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The NCC and CBN have issued orders to telcos and banks to settle a USSD debt of N250 billion
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The NCC and CBN have issued orders to telcos and banks to settle a USSD debt of N250 billion

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Mobile network operators and deposit money banks have been asked by the Nigerian Communications Commission (NCC) and the Central Bank of Nigeria (CBN) to resolve the long-standing N250 billion USSD debt issue.

On Monday, officials referenced the “2nd Joint Circular of the Central Bank of Nigeria and the Nigerian Communications Commission on the Resolution of the USSD Debt Issue Between Deposit Money Banks and Mobile Network Operators” as a mandate.

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This order was similar to the one I dictated not long ago, in which telecommunications companies demanded a structured payment plan from government agencies in order to deal with the growing debt crisis that has gripped the industry.

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The NCC’s Head of Legal and Regulatory Services, Chizua Whyte, and the CBN’s Ag Director of the Payments System Management Department, Oladimeji Taiwo, signed a circular dated December 20, 2024, outlining particular steps for debt settlement.

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The long-running disagreement between DMBs and MNOs over the usage of MNOs’ USSD platforms for banking services was a major point of contention in the joint statement. The matter is still not resolved, even though many attempts have been made.

Full and complete settlement of 60% of all invoices issued before to API was ordered by the two regulators in reaction to this.

A lump sum or installment payment plan must be agreed upon before January 2, 2025, between DMBs and MNOs. Please note that the deadline for the completion of any installment payments selected is July 2, 2025.

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At the same time, the CBN and NCC have ordered DMBs to pay 85% of all outstanding invoices by December 31, 2024, for post-API debts.

These debts originate from transactions that occurred after the Application Programming Interfaces were introduced in February 2022. In addition, it is required that 85% of all future invoices be paid within one month of being issued.

Along with the immediate cessation of any litigation pertaining to the USSD debt issue, the CBN and NCC warned that the appropriate regulatory agencies will punish those who did not comply with their directions.

“With that out of the way, the following instructions are issued by the CBN and the NCC to DMBs and MNOs: 1. The whole and final settlement amount must be sixty percent of all invoices issued before the API.

By January 2, 2025, the involved DMB and MNO must have agreed upon a payment plan, whether it be a lump sum or payments. The total amount is due by July 2, 2025, and payments should be made in equal installments every month.

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  120. Steroid hormones are derived from cholesterol and subsequently can readily diffuse through the lipid bilayer of the cell membrane to achieve the intracellular receptor ([link]).
    Thyroid hormones, which comprise benzene rings studded with iodine, are also lipid-soluble and may enter the cell.
    The downside, mentioned Wooden and Pope, is that as
    a result of these side effects don’t occur instantly,
    they’re not perceived as scary enough to outweigh the benefits of PEDs.

    Moreover, a single hormone could additionally be able to inducing different responses in a given cell.

    As a CBS investigation present in 2019, the regulation surrounding mentioned clinics is spotty, with clinics prescribing hormones like
    testosterone to people with normal ranges. In Accordance to medical doctors,
    Hollywood insiders, and regular gym-going sources, anabolic steroids are the most value effective and most typical of all PEDs.
    Meanwhile, medical-grade HGH is tougher to search out due to prescription controls and expense.
    In Liechtenstein, anabolic steroids are considered managed substances and
    are categorised underneath Schedule III.
    These medicine are dangerous and their long-term results are understudied, consultants say, but with what they provide, these issues appear to
    get lost within the shuffle. In the United States, it’s illegal to use HGH for a situation that is not permitted by the
    Meals and Drug Administration. So, it’s against the legislation to use HGH for constructing muscle or as an anti-aging therapy.

    Growth hormone deficiency (GHD) is more prone to have an result on children somewhat than adults and is a symptom of several genetic diseases corresponding to Prader-Willi syndrome
    and Turner Syndrome. An Infection, head accidents, and radiation therapy might result in acquired GHD.

    Selective Androgen Receptor Modulators (SARMS) are a type of
    performance-enhancing medicine which would possibly
    be typically used by athletes and bodybuilders.
    This would allow for extra control over the testosterone
    hormone by regulating its time release. Nevertheless, in the early 1950’s
    a larger ester in Enanthate would be hooked up to the hormone
    thereby slowing down the hormone’s activity even more.

    Testosterone Enanthate would turn out to be the dominating testosterone type within the medical area and Testosterone Cypionate would join a number of years
    later. The difference in Testosterone Enanthate and Testosterone Cypionate is basically inconsequential.
    The contribution of feedback loops to homeostasis will only be briefly reviewed right here.
    Positive suggestions loops are characterised by the discharge of further hormone in response to an original hormone
    release.
    Docs and scientists worldwide are pushing for funding to check
    HGH results on accidents. They imagine it’s not only an effective weapon in opposition to the ravages of the growing older course of but that it’s
    considered one of nature’s best remedies for all kinds of injuries.

    In order to understand the distinct difference between HGH and steroids, it’s necessary to grasp slightly about
    steroids first. Dr. O’Connor has over 20 years of expertise treating women and men with a history of anabolic steroid,
    SARM, and PED use.
    While it’s not a magic wand for eternal youth, HGH therapy can supply numerous benefits for women, too.

    For men, HGH therapy is normally a bit like discovering a brand new
    superhero energy – however with a accountable person guide included.
    But there are HGH supplements obtainable online and over the counter,
    designed to encourage your physique to provide more HGH naturally.
    As for the long-term advantages of HGH, the listing is so long as a grocery purchasing
    trip whenever you’re hungry. We Have already established that HGH
    is not a steroid, however that’s not to say it would
    not have a ‘bad boy’ side. So, you may say that HGH is like that favorite pair of jeans you own – versatile and important, becoming into just about every a half of your life (and body).

    Testosterone doesn’t cause notable hepatotoxicity, being an injectable.
    HGH additionally increases cognitive ability because
    of progress hormone receptors being expressed in brain regions, together with the cerebral cortex,
    choroid plexus, and hippocampus (2). We have seen adults expertise a 15% drop in growth hormone every 10 years (1), contributing to weight acquire, wrinkles, muscle loss, and decreased vitality.
    The use of HGH and steroids is regulated by numerous
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    In many countries, the non-medical use of these substances is unlawful without a prescription.
    Athletes who are caught utilizing HGH or bodybuilding No steroids (zahnarzt-kuehn-May.de) without
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    Even less common however nonetheless possible includes rash, shortness of breath, speedy heart rate, wheezing
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    Insulin is produced by the pancreas and is officially classified as a peptide hormone.
    On its practical foundation, insulin is responsible for the utilization and
    regulation of glucose, amino acids and fatty acids.
    It can be answerable for stopping the metabolic breakdown of glycogen, fats and protein. There is insufficient data on whether HGH passes into
    breast milk or how it may have an effect on a nursing toddler.

  121. Nonetheless, its potent nature may result in a more pronounced lack of physique fat, probably
    impacting muscle mass. Due To This Fact, the outcomes of those two steroids largely rely upon the users’ health
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    Typically, the anabolic steroid should be discontinued though in instances of mild abnormalities, the doctor could
    elect to observe the patient rigorously at a reduced drug dosage.
    Winstrol enhances energy and power output by boosting red blood cell manufacturing and bettering oxygen delivery to muscle tissue.
    This makes it a favorite amongst athletes in sports activities requiring speed,
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    And it’s right here that Winstrol comes into play, proving its worth as a compelling candidate for cutting cycles.

    Despite having completely different paths, each
    Winstrol and Anavar result in increased bodily efficiency.

    With Winstrol, customers may anticipate important fat loss, improved vitality utilization, and
    enhanced muscle definition. In comparison, Anavar leans
    extra towards sustainable power features, elevated energy, and enhanced efficiency without substantial
    weight positive aspects. Dianabol and Anavar stacked together may appear unusual, as Anavar is
    a chopping steroid with diuretic effects, while Dianabol is a
    bulking steroid that promotes water retention.
    This is in contrast to compounds like Dianabol and Anadrol, which are identified for his or her
    tendency to trigger bloating and fluid retention (Kicman, British Journal
    of Pharmacology, 2008). Embarking on a Winstrol cycle is normally a
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    Loopy Bulk Winsol is made with all-natural elements which might
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    Customers can take an AI (aromatase inhibitor), which we now have discovered to
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    as estrogen plays a task in raising HDL (good cholesterol
    levels). In our experience, Winstrol and trenbolone cycles
    are extremely toxic AAS and only suitable for superior steroid users.
    If a person is not cutting and uses this stack, mass and power positive aspects will be vital, given the powerful
    nature of Anadrol. Even on low energy when slicing, bodybuilders
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    To totally reap the benefits, it’s important to mix the consumption of Winstrol with a calorie-controlled food plan plan, common cardio,
    and resistance coaching for sustainable, efficient results.
    This milder strategy aims to revive the body’s natural hormonal steadiness while safeguarding the muscle acquired
    through the cycle. Given Winstrol’s brief half-life, in any type, PCT can commence immediately after finishing the Winstrol cycle.
    It is advisable to attend for the lively substance to naturally
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    It is advisable to begin at the decrease end of the dosage
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    This is also what we discover in our testing, mixed with excessive ranges of cardiotoxicity.

    Thus, nearly all of the weight gained on Superdrol will be saved post-cycle, as it doesn’t trigger increases in extracellular water retention. Our sufferers have described Superdrol as the oral equal of trenbolone, causing
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    Winstrol is usually not recommended for ladies due to the
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    Foundational steroids will symbolize compounds like Testosterone and Trenbolone.

    Nevertheless, as soon as lean this steroid will show very helpful as it will promote a a lot
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  122. It is a safe and effective different to the anabolic steroid Clenbuterol.
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    We assessed the value of every legal steroid available
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    Now we would NEVER suggest using steroids because the precise fact is – steroids are unlawful.
    What you can see online isn’t legit and
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    It’s really helpful to use Testo-Max for
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    For finest outcomes, take 3 capsules of D-Bal approximately forty five minutes after your workout.

    Sustaining wholesome testosterone levels can even improve mood and
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    We only advocate authorized steroids that have a transparent and easily accessible formulation. L-arginine and 20-hydroxyecdysone-containing steroid supplements
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    Many authorized steroid customers stack products (e.g., a bulking and testosterone booster combo)
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    TREN-MAX also will increase the synthesis of red blood cells, growing the oxygen supply to the muscle
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    Trenorol is a secure and efficient alternative to the anabolic steroid Trenbolone, which has severe unwanted
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  123. For example they could throw issues collectively like dianabol and testosterone to put on muscle mass and energy.

    On the flip facet, bodybuilders run issues like anavar and winstrol to achieve the
    hardened, cut look that you want for a competition or a
    photo shoot. Keep in mind that Anabolic Steroids are unlawful and have a
    lot of bad unwanted effects, even though they could raise testosterone levels.
    As An Alternative, look for drugs that make the body make extra
    testosterone naturally.
    It’s an unflinching exploration of a subject usually shrouded in controversy, delivered to
    light with clarity and unwavering directness. We have seen ladies keep away from virilization unwanted facet effects when taking Dianabol in low doses; however, with trenbolone, masculinization is more more likely to happen. Trenbolone also has sturdy fat-burning properties (39); thus, we’ve seen it effectively utilized in slicing cycles.

    Generally, Dianabol is not beneficial for chopping,
    because the body shall be in a calorie deficit (catabolic).

    It delivers pure muscle and uncooked energy while getting rid of undesirable fats.
    It leaves you with a tough, ripped, and toned physique, ready
    to face the physical challenges forward. By putting your metabolism
    into overdrive, your physique is in a position to use your stored fat for vitality.

    The extra nitrogen you’ve in your muscles, the more your cells will produce protein. It’s greatest to
    concentrate on sustainable, wholesome methods to build
    muscle and keep fit. You’ll also prevent the potential physical and psychological
    harm of relying on artificial substances to achieve the level
    of fitness you need within the course of. It’s OK should you really feel overwhelmed by
    how a lot time and thought you want to put into bulking up or
    if you’re not seeing the outcomes you need.

    As for results, both oral and injectable steroids are greater than able to delivering
    highly effective anabolic effects18. Ultimately, your results will come down to not the administration type of your steroids however to how
    you employ them, how you plan your cycles, and the way optimal your diet and training are!

    In different words, you can fail on orals and injectables
    if you don’t do the other things right. Postmenopausal
    girls receiving 50 mg nandrolone decanoate every 4 weeks for
    a yr, superimposed on hormonal alternative therapy (HRT; 2 mg estradiol daily), reported extra voice complaints than these receiving HRT solely (220).
    Objectively, there was a loss of high frequencies and a lower
    imply frequency during speech, in addition to elevated voice
    creakiness and instability as assessed by a speech pathologist.
    Laryngoscopic findings showed no differences between teams with regard to
    oedema of the vocal cords and laryngitis.
    Nevertheless, earlier reports do note oedema and hyperaemia shortly after starting AAS administration, but subsiding afterwards.

    The only source of HGH during the early 1980s was
    from the brains of cadavers. This form of HGH
    was harmful and resulted in Creutzfeldt-Jakob illness in some users.
    As with the cadaver derived HGH, the artificial type would be hard to find and dear.

    On the premise of this metabolism, the mix of a 5α-reductase inhibitor with nandrolone seems significantly misguided.
    The overall medical results, however, are crystal clear – initially the muscle-building
    impact pursued by AAS users. More current well-designed trials
    continued to provide further support for the potent muscle-building effects of AAS that had already been recognized by athletes
    for many years (15, 22, 35–38).
    The formation of male breast tissues, or
    “man boobs,” as they are generally known, is brought on as
    a end result of gynecomastia. This process happens when the testosterone from
    anabolic steroids enters your body and converts into estrogen by way of a chemical response known as aromatization. Muscle production is
    usually credited to testosterone or the “t-hormone” produced naturally by the
    human physique. Although you presumably can enhance its stage by following an excellent
    food plan and getting an sufficient amount of relaxation, the
    improvement in the hormone remains pretty restricted.
    And the best steroids can present an enormous enhance to your
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    muscular tissues inside a brief span. These are steroids, that are synthetic
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    to that male hormone. As A Result Of testosterone is critical in building muscle and
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    achieve muscle mass, burn fats, and recover quicker.

    Aspect results of Turinabol embrace a excessive risk of adverse influence on ldl cholesterol and suppression of pure testosterone
    production. Androgenic are unlikely however attainable and may embody acne and baldness.
    Water retention and different estrogenic unwanted side effects usually are
    not a problem with this steroid, making it useful
    as a part of a chopping cycle.
    Glasgow, Might 03, (GLOBE NEWSWIRE) — Achieving critical
    muscle development demands more than just time within the fitness center.

    While constant coaching and a solid vitamin plan type the inspiration, dietary supplements can offer an added edge.
    For athletes and bodybuilders, the right products assist restoration, improve power,
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    secure dietary supplements can really feel overwhelming. You
    Are getting the advantages of increased protein synthesis for muscle restore, enhanced
    nitrogen retention for sustained anabolism, and optimized testosterone levels
    for overall efficiency and recovery. Female bodybuilders also choose
    Anavar for being secure in comparability with different steroids.
    Its few androgenic positive effects of steroids on the body (Leonore) make it a prime pick in ladies’s bodybuilding steroids.

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