Thứ Tư, 6 tháng 6, 2018

Auto news on Youtube Jun 6 2018

hi guys welcome back to my channel so today I'm super super super excited

because I just got a package from wish and I ordered 10 lipsticks that worth

dollar now they claim to be lipsticks but when I open the package they say lip

gloss so I'm not really sure I'm not really sure like what to expect

but I wanted to fill my reaction and I hope that you guys enjoy this video

don't forget to subscribe like and comment

again let's get into the video ok so right off the bat the only thing that

I'm already seeing that I don't like is that they don't have names they're just

numbers like this one is 1645 but what I do like is how sleek and cute they are

so they just have a black top and then you open it this is the applicator

it's a doe foot applicator and it just says Matt Lee matte lip gloss so let's

go ahead and try out the color 16 4 5

so this is a color that I would definitely want to use a lip liner with

I'm not this bow to go out looking like this but I'm not gonna lie this really

is a pretty color I just think for me it means a lip liner lip liner but it is

pretty now what I can say is it's already met for sure it's met online I

said that it's a lipstick so I'm guessing that's why I met but on the

bottle that says lip gloss so it's giving me the lip gloss kind of vibe

because you know how like when you wear lip spinning you do like this it's

really sticky that's how this is it's really really sticky but it's mint so I

don't know but I like the color it just needs a lip liner is is all so let's go

ahead and try some more oh yeah I got a little wipe so I prepared

okay so update this is not wanting to come off with a white so I'm just gonna

take a makeup remover and apply it because I don't have time to be playing

these games with this lipstick okay so the next color is 16:32 again same thing

doe foot and it smells really like sweet it doesn't smell like chemicals or

anything like that it smells like glaber's

so this color so a lot of the colors I'm I'm guessing that I'm going to need a

lip liner but I'm not about to do a lip liner and then do this just to take it

off I'm just going to show you how the product works from the bet this is only

the second one but the pigmentation is here honey like it is here and I'm here

for it so it is kind of patchy and like lip gloss it's really sticky on the lips

but it is matte so they haven't told any lies there and it is really hard to get

off so I'm guessing if I was to eat or drink it would still be on here for a

little while so yeah this is this color okay so the next color is 1626

and this is what it looks like the pigmentation on this is amazing like

that's the first thing that I noticed just from doing the first color that

these are so pigmented and they dry so fast like this one is already drying out

of all three so far this one is my favorite because it's so bold and pretty

there I'm just here for it the next color it is 1624 and this is what it

looks like

these are so pity and I'm so happy that I got so many of them because these are

only as dollar in the quality is there like I don't know what your expect for

like a dollar but this is a lot more than what I expected for a dollar

especially from an abbot I don't really know too much about but yeah so I'm

really really really really enjoying so yeah this is the 1624 as you can see

it's pretty pretty and that's not for the next one

okay so the next one is 1631 I can already tell that this is gonna need a

lip liner but we're still gonna go with the flow y'all see this pigmentation

like do you see that these colors are so vibrant

they are so pigmented they're a dollar this is so cute

it doesn't need a lip liner in my opinion this is giving me like Nicki

Minaj pink which is not an ugly color just for me I need a lip liner cuz I

would never walk out like this but y'all this is so beautiful like I'm

so happy I'm gonna do more wish halls because I'm just in love already the

next color is 1627 and it's a nudish brown color which I'm excited for

like real-life move and I definitely need a lip line I'm just as I'm saying

it because I kind of feel like all the colors I picked out I would need a lip

line in the next one is 16 26 and this is what it looks like this is the first

one that's not really giving me the same amount of pigmentation this is another

really bold one that I'm loving like this is your self pity and I feel like

this would look good on like so many skin columns okay so this one the color

is 1647 it's like a really nude pink color maybe like babydoll pink but it is

a pretty color and I'm still happy with my purchase so far so the next one is

sixteen twelve that's a pretty color but it's really patchy and it's yeah it's

just going to wait to catch it for me I don't like that sorry but I stopped two

more colors so I have 1644 which is a black and then I have 1630 which is

another pink I'm going to do the pink because sometimes black is a little bit

harder to take off so let's just go ahead

I don't know if you've noticed but a lot of these colors are really really

similar like this woman has looked like like breathing so far but that's my

opinion okay so finally I am on the last one

which is 1644 so let's see how it goes

all the colors this is the only one that doesn't want to like have any

pigmentation so that was all ten of the wish lipsticks that were a dollar that I

picked out all of them except for the last one had amazing pigmentation I

would definitely recommend them if you want to try a lot of different shades of

colors and pinks and nudes but you don't want to go out and spend $10 or $5 or

even $25 on a lipstick so I would definitely recommend these just know

that they do dry down that some of the colors are a little bit patchy and they

are claimed lipstick / lip gloss I'm guessing so they do have that sticky

feeling but what I did research was that if you take an ice cube and you rub it

on your lips after you apply a lip gloss it takes some stickiness away I don't

know if that works or not but that's an option so yeah I hope that you guys

enjoyed this video if you want to see more wish app related videos let me know

down in the description box go ahead and subscribe hit the thumbs up and until

next time love you bye

For more infomation >> Testing Wish Makeup $1 Lipsticks | WHAT IS GOING ON WISH APP?! - Duration: 9:07.

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Marvel Illustrator Shares What It Was Like To Work With Wanna One - Duration: 8:05.

Marvel illustrator Lee Jee Hyung recently sat down for an interview to share his experience on working with Wanna One

Wanna One recently released several versions of their special album "1÷χ=1(UNDIVIDED)

" The "artbook version" includes high-quality illustrations of Wanna One members that Lee Jee Hyung worked on

A cover illustrator of Marvel comic books, Lee Jee Hyung is also the art director of the Netmarble mobile game "Marvel: Future Fight

"During the interview, Lee Jee Hyung talked about how he felt when he first got the offer to collaborate with Wanna One

"I was excited because they're such popular celebrities," he said. "I remember that I was worried as well

" Soompi.Display.News.English.300x250.BTF Soompi.Mobile.English.300x250.ATF He also shared his first impressions of Wanna One members

"I was amazed, but I acted like I wasn't," he said with a laugh. "When I saw Ong Seong Woo on television or in pictures, I thought he was handsome

I was surprised to see him in person because he was even better looking than I thought

Ha Sung Woon has great skin and Bae Jin Young has a strong gaze with masculine charms

" Lee Jee Hyung added jokingly, "Bae Jin Young has a really small face. I accidentally stood next to him in the group photo, so the size of my face really stood out

 I couldn't share the picture anywhere but in my family group chat."Lee Jee Hyung took each member's unique characteristics into account when deciding their concepts

Regarding Kang Daniel's concept of 'first snow,' Lee Jee Hyung explained, "I thought Kang Daniel is someone who could make your heart flutter

That feeling equals first snow. I thought, 'What if Kang Daniel could decide when there would be first snow? What if he could make the first snow fall in summer?'" The members' everyday fashion was one of the many things Lee Jee Hyung considered as well

"Hwang Min Hyun wears coats a lot," he said. "Things like Park Ji Hoon's pink shirt and Park Woo Jin's red hooded sweatshirt and headsets are what they actually wore

I exactly copied them down. Lai Guan Lin is the only foreign member and as I was researching, I saw him wearing fusion hanbok at an event

I was really glad to see that."Some of the members themselves actively made suggestions for their illustrations as well

"I wanted to draw Ha Sung Woon in a denim jacket, but he said he enjoyed wearing knitted sweaters," Lee Jee Hyung shared

"I originally drew Bae Jin Young with a bright hair color but changed it after he wanted darker hair

It looked better after I changed it."When asked who was the most difficult to draw, Lee Jee Hyung answered, "I imagined that Hwang Min Hyun had the ability to manipulate others' minds

It was difficult to express that with effects, so I drew him in a pose where he's sort of pointing at you

" He continued, "Ong Seung Woo has various charms like a chameleon. So I gave him the ability of metamorphosis

This ability was also hard to portray with effects, so I tried things like drawing on a mask and drawing him transformed into someone else

Then I learned that fans liked Ong Seung Woo wearing colored contact lenses, so I expressed the image of metamorphosis through his eye colors

I got a lot of help from Wannables."Lee Jee Hyung revealed that he wasn't perfectly satisfied with the results but had fun with it nonetheless

He explained, "For four to five months, I had to spend all my after hours on this because I was working on the collaboration and going to work at the same time

You know there are 11 members. Even if you invest just a few days on one member, a month flies by

I do wish that I had more time. However, working with real people as models and the fact that they're an idol group were all refreshingly fun

It was great to collaborate with the popular idol group Wanna One, and I'd like to work with them again if I have the chance

" Source (1)

For more infomation >> Marvel Illustrator Shares What It Was Like To Work With Wanna One - Duration: 8:05.

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Obama Facing Immediate Arrest After What He Was Just Caught Doing Overnight - Duration: 11:41.

Obama Facing Immediate Arrest After What He Was Just Caught Doing Overnight

Barack Obama may finally be going down after his disturbing plot with Islamic terrorists

finally came to light this week.

Right Wing News reported that in order to appease Iran so that he could make his precious

nuclear deal with them, Obama derailed efforts by the FBI and DEA to prosecute a Hezbollah's

drug-trafficking and money-laundering operations.

He did this because he was afraid that prosecuting them would disrupt the Iran deal that he was

desperate to make.

Making matters worse, antiwar activist Cindy Sheehan has revealed that it is no accident

that US-supplied weapons made it into the hands of ISIS, as she is blaming Obama's

CIA for this.

"The CIA wanted the weapons to get into the hands of the extremists," she declared,

adding that this was part of Obama's plan to destabilize the Middle East and control

resources.

On top of that, Obama allowed the Taliban to become the world's number 1 producer

in Heroin so they'd have money to fund future terror attacks on America and the West.

After eight years of Obama being in office, the Taliban is now the top producer of heroin

in the world, and they use this money to fund their attacks against the West.

"The Taliban in Afghanistan has spent over a decade funding their operations from opium

farms and their mass production of heroin.

This was able to take place under the Obama administration which refused to target their

illicit operations.

Obama allowed the Taliban to become the worlds top producer of heroin, generating $billions

for the terrorist outfit," Conservative Daily Post reported.

Political commentator and syndicated columnist Charles Krauthammer has called on Obama to

be investigated and arrested after all of this came to light.

"If a company did this, a CEO would be in jail right now," he stated.

It looks like the walls may finally be closing in on Obama, as all the harm he did to our

country is being exposed.

SHARE this story if you think Obama should be INVESTIGATED and LOCKED UP!

For more infomation >> Obama Facing Immediate Arrest After What He Was Just Caught Doing Overnight - Duration: 11:41.

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What If The Wendigo Was Real? - Duration: 4:14.

The Algonquian are North American natives who were prominent along the Atlantic coast,

as well as around the great lakes, such as the Ojibwe, Saultough, the Cree, Naskapi,

and the Innu people.

They believed in a mythical being known as the Wendigo, a cannibal monster or spirit

that lived in the forests of eastern North America.

The Wendigo, for all that we know, is simply a legend, but what if it wasn't?

Today, life's biggest questions ask, what if the wendigo was real.

Hello and welcome back to life's biggest questions, I'm Charlotte Dobre.

Don't forget to leave a thumbs up, subscribe and let us know in the comments below a question

you have always wanted to know the answer to.

First, if you've never heard of the Wendigo before, here's what you need to know.

According to Algonquian legend, the Wendigo can appear as a horned monster, that has some

characteristics of a human.

The Wendigo has the ability to possess human beings and turn them into cannibals, murderers

as well as cause them to have insatiable greed.

Some indigenous people believe those who destroy the environment have been possessed by the

Wendigo.

In psychiatry, the term wendigo psychosis is a medical term used to refer to someone

who has intense cravings for human flesh and fear of becoming a cannibal.

There have even been people who have claimed to have been possessed by wendigos.

In 1878 a Cree man known as a swift runner was suddenly overcome with the need to butcher

his entire family.

Following the death of his son, which was reportedly due to the harsh winter of 1878,

Swift runner consumed the remains of his wife and 5 remaining children.

He confessed but blamed the murders he committed on the Wendigo.

He was subsequently executed by the authorities at Fort Saskatchewan.

Locals in Roseau in Northern Minnesota claimed to have seen the Wendigo from the 1800s to

1920s.

each time, a death followed.

So what does the wendigo look like?

Heres a description according to Basil Johnson, an Ojibwe scholar.

The Wendigo was gaunt to the point of emaciation, its desiccated skin pulled tightly over its

bones.

With its bones pushing outward against its skin, its complexion the ash gray of death,

and its eyes pushed back deep into their sockets, the wendigo looked like a gaunt skeleton recently

disinterred from the grave.

What lips it had were tattered and bloody.

Unclean and suffering from suppurations of the flesh.

The Wendigo gave off a strange and eerie odor of decay and decomposition, of death and corruption.

Wendigos are also very large beings, giants, many times larger than human beings.

This is because whenever a wendigo eats, it grows in proportion to the meal it just had.

For this reason, wendigos are never full.

They are both gluttonous as well as extremely thin due to starvation.

The idea of a wendigo is similar to that of a zombie.

So now that you know a bit about the Wendigo, let's talk about what would happen if it were

a real being.

Some tribes believe the Wendigo to be a real being, and they are so afraid of it that they

perform ceremonial dances in times of famine or harsh winters.

The dances reminded people of the importance of cooperation and moderation, while at the

same time reinforcing the threat of the Wendigo in their minds.

It is believed that the myth of the windigo originated as a way to prevent those who were

starving in times of famine from resorting to cannibalism.

Put it this way, if the wendigo was real, we would be pretty much screwed, especially

those of us who love the outdoors.

It stalks its prey, lures them away from safety into the deep wilderness.

It's even possible for the Wendigo to mimic human voices.

Maybe it would mimic the voice of a loved one, lost in the woods screaming for help,

and you would follow it.

Once it possesses you, it slowly begins to infect you.

It torments its victims with strange smells, nightmares and a burning sensation throughout

their legs and feet.

As a result of the burning sensation, victims strip down naked and run through the forest

like madmen.

If the Wendigo were real, there would undoubtedly be a ban on camping and hiking.

We would never get to experience the beauty of mountainous areas or forests because those

places are where the wendigo lurks.

Those who had been infected by the wendigo would be left in the woods to live out their

existence.

Wooded areas would likely be fenced off, or even burnt to a crisp so there would be nowhere

for the Wendigo to hide.

What do you think would happen if the wendigo was real?

Let us know in the comment section.

For now, I'm Charlotte Dobre and you've been watching life's biggest questions.

If you liked this video, you'll love our playlist, biggest what-ifs. make sure you subscribe

to notifications by clicking the bell, and we'll see you in the next video.

For more infomation >> What If The Wendigo Was Real? - Duration: 4:14.

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What is Feminist Research Series with Sara Ahmed - Duration: 2:25.

Feminism is about trying to change the world.

It's about recognizing gender inequalities, it's about other inequalities as well. My work is concerned

with trying to get better understandings of how power operates

so we can have a best chance of intervening in those power relations, so that people have more room in their lives to live

in accordance with their wishes.

It's often power works through

presuming that the interests of one group are the interests of all groups. And that usually works by hiding

that these are the interests of one group as opposed to all groups so that when one person speaks

it assumes, it appears that they're speaking for everybody

When actually they're only speaking for somebody. So when we're I'm trying to challenge

universalism were actually trying to show that actually what's at stake is the power of who's speaking?

Who gets to speak, who gets to say what matters for people?

For a particular group? Who gets to represent that group's interests in politics and in everyday life?

So it's the question of putting the who back into politics. Somebody's speaking, not everybody speaking.

Somebody's working, not everybody's working.

So you're always thinking about trying to locate the person who is doing the knowledge,

who is writing the books, who is giving the speech, and recognize that their location matters and it often matters by being,

disappearing from view point. So we actually say where you come from,

who you are, the history that you have in coming to this world, that shapes what you can do and we need to explore that.

It was a starting point for feminists was to challenge universalism and what that means was

basically to show how when people assume something to be

universally relevant about everybody they were actually referring to a specific group of people.

So when they were talking about human rights, they were referring to men's rights. Or when they were talking about humanity, there were referring

to white people.

So what we do when we do a critique of universalism is we show it.

That actually the universal is quite particular. It universalizes from one particular group

as if what stands for them stands for everyone. And that's what we need to explode.

For more infomation >> What is Feminist Research Series with Sara Ahmed - Duration: 2:25.

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Melania Finally Emerges In Public After Weeks And Is Attacked Over What Camera Caught - Duration: 4:46.

First Lady Melania Trump was finally seen in public after weeks of her presence is missed.

She went through a surgical procedure and appeared to be recovering and/or working at

the White House, but didn't seem to make many public appearances for the last several

weeks. Her "missing" status conjured up the conspiracy theorists who blatantly attacked

the woman for not being in public as much as they wanted her to. Everything from divorcing

Donald to doing other weird things took over a minuscule portion of the Internet run by

trolls. Finally, Melania walked over the bridge as the Internet trolls underneath looked up

and caught a glimpse.

Melania made an appearance at an event for Gold Star families to honor the fallen who

given their all to fight for the freedoms of this great country. It was a Gold Star

daughter named Jena Greene who was lucky enough to capture video of Melania in her finesse

and glamorous form as she arrived. She took the video, but sure enough, it didn't take

long for people to go on the prowl and bring out their inner troll. the video was bashed

and people were saying things like Melania had a stunt double, or that wasn't really

her, and there sure was a lot of people laughing at the people who posted things like that.

Some couldn't tell if people were just joking to make light of the conspiracy theorists,

or if they were truly honest in what they were saying.

Regardless, here is Gold Star daughter Jena Greene's video of Melania Trump making her

appearance.

Fox News gave us more insight on the "missing Melania" theories that people came up with:

"Mainstream media members jumped the shark and took Trump Derangement Syndrome to new

heights by concocting tales of domestic abuse when trying to determine first lady Melania

Trump's whereabouts before she showed up to a White House event on Monday night.

Melania Trump was painted as "missing in action" when news broke on Sunday night

that the first lady, who is fresh off an operation for a kidney condition, will not join her

husband on a pair of international trips. CNN even aired a g*****c of a calendar, placing

question marks on each date since the first lady was "last seen" on May 10 – but

CNN's coverage turned out to be less appalling than some conspiracy theories floated on Twitter.

Rolling Stone senior writer Jamil Smith wrote, "I wish that I didn't suspect that the

prolonged, poorly explained public absence of Melania Trump could be about concealing

abuse. I wish that it was a ludicrous prospect."

Media Research Center Vice President Dan Gainor told Fox News that CNN's calendar graph

"was sickening," but "to see a Rolling Stone writer claim the absence was possible

domestic violence is demented."

The Atlantic senior editor David Frum also insinuated that domestic violence was the

reason why Melania Trump laid low for a few weeks.

"Suppose President Trump punched the first lady in the White House (federal property

= federal jurisdiction), then ordered the Secret Service to conceal the assault. POTUS

has Article II authority over Secret Service. Is that obstruction? Under Sekulow/Dowd, apparently

NO," Frum tweeted.

Media analyst Jeffrey McCall told Fox News that "it really is sad that some corners

of the media world so easily engage in unsubstantiated speculation," simply to bash the president.

"Imagine the outrage if that had happened during the Obama years. This is how low the

left is willing to go, straight out of the gutter and into the sewer," Gainor said.

McCall added that, "It is bad enough when this happens with regards to policy matters,

but it is really out of line when it deals with somebody's personal behavior. This

kind of toxic and polarized public dialogue damages the public sphere in so many ways."

Smith and Frum did not immediately respond when asked if they will issue an apology.

Rolling Stone and The Atlantic did not immediately respond to a request for comment.

"Pundits who have engaged in such wild rumoring should, indeed, apologize, but I don't think

that is likely to happen," McCall said. "The moral compasses of pundits who would

engage in such unsupported allegations are so out of whack that a public apology would

not cross their minds."

The conspiracy theories were debunked when Melania Trump attended a scheduled White House

event honoring Gold Star families Monday evening. Videos of the first lady at the event were

quickly posted on social media, showing the first lady wearing a sleeveless black dress

and strolling into the East Room accompanied by President Trump.

Let's just say that people have too much time on their hands if they're creating

conspiracy theories right after Melania has a surgical procedure and might need to rest

for a little bit.

Share this with someone who would get a good laugh.

Write your comments below!

For more infomation >> Melania Finally Emerges In Public After Weeks And Is Attacked Over What Camera Caught - Duration: 4:46.

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What is Combustion? - Duration: 1:52.

For more infomation >> What is Combustion? - Duration: 1:52.

-------------------------------------------

Melania Finally Emerges In Public After Weeks And Is Attacked Over What Camera Caught - Duration: 4:45.

First Lady Melania Trump was finally seen in public after weeks of her presence is missed.

She went through a surgical procedure and appeared to be recovering and/or working at

the White House, but didn't seem to make many public appearances for the last several

weeks. Her "missing" status conjured up the conspiracy theorists who blatantly attacked

the woman for not being in public as much as they wanted her to. Everything from divorcing

Donald to doing other weird things took over a minuscule portion of the Internet run by

trolls. Finally, Melania walked over the bridge as the Internet trolls underneath looked up

and caught a glimpse.

Melania made an appearance at an event for Gold Star families to honor the fallen who

given their all to fight for the freedoms of this great country. It was a Gold Star

daughter named Jena Greene who was lucky enough to capture video of Melania in her finesse

and glamorous form as she arrived. She took the video, but sure enough, it didn't take

long for people to go on the prowl and bring out their inner troll. the video was bashed

and people were saying things like Melania had a stunt double, or that wasn't really

her, and there sure was a lot of people laughing at the people who posted things like that.

Some couldn't tell if people were just joking to make light of the conspiracy theorists,

or if they were truly honest in what they were saying.

Regardless, here is Gold Star daughter Jena Greene's video of Melania Trump making her

appearance.

Fox News gave us more insight on the "missing Melania" theories that people came up with:

"Mainstream media members jumped the shark and took Trump Derangement Syndrome to new

heights by concocting tales of domestic abuse when trying to determine first lady Melania

Trump's whereabouts before she showed up to a White House event on Monday night.

Melania Trump was painted as "missing in action" when news broke on Sunday night

that the first lady, who is fresh off an operation for a kidney condition, will not join her

husband on a pair of international trips. CNN even aired a g*****c of a calendar, placing

question marks on each date since the first lady was "last seen" on May 10 – but

CNN's coverage turned out to be less appalling than some conspiracy theories floated on Twitter.

Rolling Stone senior writer Jamil Smith wrote, "I wish that I didn't suspect that the

prolonged, poorly explained public absence of Melania Trump could be about concealing

abuse. I wish that it was a ludicrous prospect."

Media Research Center Vice President Dan Gainor told Fox News that CNN's calendar graph

"was sickening," but "to see a Rolling Stone writer claim the absence was possible

domestic violence is demented."

The Atlantic senior editor David Frum also insinuated that domestic violence was the

reason why Melania Trump laid low for a few weeks.

"Suppose President Trump punched the first lady in the White House (federal property

= federal jurisdiction), then ordered the Secret Service to conceal the assault. POTUS

has Article II authority over Secret Service. Is that obstruction? Under Sekulow/Dowd, apparently

NO," Frum tweeted.

Media analyst Jeffrey McCall told Fox News that "it really is sad that some corners

of the media world so easily engage in unsubstantiated speculation," simply to bash the president.

"Imagine the outrage if that had happened during the Obama years. This is how low the

left is willing to go, straight out of the gutter and into the sewer," Gainor said.

McCall added that, "It is bad enough when this happens with regards to policy matters,

but it is really out of line when it deals with somebody's personal behavior. This

kind of toxic and polarized public dialogue damages the public sphere in so many ways."

Smith and Frum did not immediately respond when asked if they will issue an apology.

Rolling Stone and The Atlantic did not immediately respond to a request for comment.

"Pundits who have engaged in such wild rumoring should, indeed, apologize, but I don't think

that is likely to happen," McCall said. "The moral compasses of pundits who would

engage in such unsupported allegations are so out of whack that a public apology would

not cross their minds."

The conspiracy theories were debunked when Melania Trump attended a scheduled White House

event honoring Gold Star families Monday evening. Videos of the first lady at the event were

quickly posted on social media, showing the first lady wearing a sleeveless black dress

and strolling into the East Room accompanied by President Trump.

Let's just say that people have too much time on their hands if they're creating

conspiracy theories right after Melania has a surgical procedure and might need to rest

for a little bit.

Share this with someone who would get a good laugh.

Write your comments below!

For more infomation >> Melania Finally Emerges In Public After Weeks And Is Attacked Over What Camera Caught - Duration: 4:45.

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Underwriting is at the heart of the ANZ cartel case, but what is it? - Duration: 7:49.

ANZ cartel case: What is underwriting and why is it key for share markets? By business reporter Michael Janda Sometimes companies need to raise extra cash from shareholders — to fund expansion, cover losses or pay down expensive debts

ANZ was in that boat in mid-2015. Late in 2014, David Murray's financial system inquiry had recommended that Australia's banks lift their cash reserves to become unquestionably strong and able to withstand a major crisis

It was a recommendation new APRA boss Wayne Byres embraced wholeheartedly, with the bank regulator's own reports showing some worrying weaknesses in Australia's big banks

The big four responded with capital raisings, where new shares are sold to investors, generally at a discount to existing ones, to raise the extra money

In August 2015, ANZ engaged Citi, Deutsche Bank and JP Morgan to underwrite a share sale intended to raise $2

5 billion to help the bank meet the higher capital requirements.As is normal in these so-called share placements, the underwriters agreed to buy any shares that other investors didn't want

Often, there aren't any left over. But this time almost a third of the shares didn't sell

That left the three big investment banks with a chunk of ANZ shares they would eventually need to offload

The allegation that the ACCC is making is that the three investment banks and ANZ, through some of their most senior executives, came to an understanding about how these shares were to be dealt with

However, JP Morgan has not been charged.Given the criminal nature of these charges, the ACCC's chairman Rod Sims has been unusually, but understandably, tight-lipped about the case

"Charges have now been laid by the Commonwealth Director of Public Prosecutions and the matter will be determined by the court," he said

Citigroup and Deutsche Bank have both confirmed that they will vigorously defend the charges, as will ANZ

With a criminal case now underway, the banks haven't said too much either, but Citi did offer this response

"Citi steadfastly denies the allegations made against it, and certain employees … Citi will vigorously defend these allegations on behalf of itself and its employees," the bank noted in a statement

"Citi and its employees acted with integrity and without any bad intent in fulfilling the obligations of this underwriting agreement

"As required by the Market Integrity Rules, Citi also effectively participated in orderly capital markets to ensure that the required outcomes for ANZ and its shareholders were achieved

"So what do underwriters do and why?With the ANZ matter before the court, it is impossible to discuss in detail the specifics of this case

However, it has left a lot of people wondering what services underwriters perform for their clients in share sales and the how they assist the functioning of the market

InvestSMART chief market strategist Evan Lucas said their main role is to effectively act as a guarantor the share sale will succeed, raise the money required and take on the financial risk if it's a flop

"Their role is two-fold — it is not only to distribute those shares in the initial offering, it's also to be there to be a price supporter," he said

"If an IPO [initial public offering] or a capital raising is incredibly well bid, there needs to be an ability to therefore have some sort of price on the sell side

"On the other side, if things unfortunately go poorly for the capital raising, as the underwriter, part of their legal obligation is to basically take on what is left behind and therefore you can see scenarios where those underwriters end up with a lot of underbid stock

This may sound like a thankless task with a lot of downside and little upside, but the investment banks that do it collect fees for taking on the risk that there's not enough demand for the new shares

"Part of the whole scenario is the administration, the legal side, making sure they meet the obligations of the ASX," Mr Lucas explained

"They get paid the fee for actually taking on the risk and they will have a percentage, like what you get with a loan; they take from it for the risk of actually listing a company or taking on a capital raising

"Mr Lucas said it's a pretty common practice for major IPOs and capital raisings to be underwritten by investment banks

"The risk is that if you had a non-underwritten IPO, where let's say only 60 per cent of the IPO was bid up, you would therefore be short of the capital required to come online," he said

"You wouldn't, therefore, be able to make a continuous price, you'd also have a scenario where you may actually see the IPO fall over because they haven't raised the capital required to meet their obligations

"

For more infomation >> Underwriting is at the heart of the ANZ cartel case, but what is it? - Duration: 7:49.

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What is Michelle Keegan's net worth? Our Girl star's estimated fortune revealed - Duration: 6:06.

Michelle Keegan is one of the most in-demand television actresses, having found fame in

Coronation Street in 2008 before landing a role in BBC drama Our Girl in 2016.

The 30-year-old, who is married to former TOWIE star Mark Wright, has an estimated net

worth of £2.7million, according to wealth management website Spear's.

During her time on the ITV soap, in which she played barmaid Tina McIntyre for eight

years, the former soap star roughly earned an impressive annual salary of £60,000.

However, due to her contract with ITV, Michelle was unable to take part in any other lucrative

deals.

Since her departure from the popular soap, Michelle has landed various roles in other

TV dramas, including in BBC's Ordinary Lies and Our Girl, where she plays leading star

Corporal Georgie Lane.

She was also cast as Tina Moore in the ITV drama about 1966 England World Cup hero Bobby

Moore and his wife Tina.

Television career aside, Michelle has signed various lucrative contracts.

She has modelled for Revlon makeup and high street fashion label Lipsy, which is said

to pay around £250,000 a year alone.

Her Garnier's Ambre Solaire self-tan range is reported to have earned her £150,000.

In 2017, it was revealed that Michelle has teamed up with fashion brand Very - as well

as having her own clothing line, she also has an exclusive homeware collection with

the online retailer.

The former Coronation Street star and her husband have each spent extended periods of

time away from home since they moved in 2014; while Michelle travelled for months filming

her role in the BBC drama Our Girl, Mark is currently based in Los Angeles, where he works

as a presenter for US entertainment show Extra.

Last year, the actress revealed that she signed the contract for the third season of Our Girl

before it was even commissioned.

Speaking to Radio 1 host Nick Grimshaw, she explained: "I wasn't 100 per cent there would

be another series but I signed the option for there to be another.

Obviously the first time it was for five episodes but this time it was for 12 so it's overly

doubled."

Michelle and Mark, who have been married since 2015, are currently splitting their time between

the UK and Los Angeles.

The couple own a six-bedroom, three-bathroom property in Essex.

It was recently reported that 31-year-old Mark borrowed money from his wife and sister,

Jessica Wright, to convert a seven bedroom Essex mansion into four houses.

According to documents filed with Companies House, Michelle loaned Mark's company, Chigwell

Properties Limited, over £700,000 on 24 September 2015.

One of the properties has since been listed on Right Move for £1,295,000.

Who is Michelle Keegan's husband?

After meeting in Dubai in 2012, Mark and Michelle immediately became one of TV's ultimate golden

couples.

Mark also has a pretty impressive fortune, with a net worth estimated to be around the

£4million mark.

The former footballer was given his first big break in The Only Way is Essex in 2010,

which has since scored him appearances on I'm a Celebrity...

Get Me Out Of Here! and Strictly Come Dancing.

The Essex-born hunk then swiftly became a presenter of Take Me Out: The Gossip and hosted

ITV2's Mark Wright's Hollywood Nights.

In 2013, Mark landed a role as a reporter on popular ITV series Surprise Surprise.

Away from the small screen, the reality-star-turned-presenter has also hosted his own radio show with Heart

Radio and has modelled for his menswear range with Littlewood's.

And while Mark makes a name for himself alongside Mario Lopez in America, there have been rumours

that Michelle could try and find her feet in Hollywood.

However, when asked if she has considered making a move, Michelle recently told You

Magazine: "Of course I've thought about it.

But it's not that simple.

I'm auditioning for work out in LA and if something good comes up I will take it and

that will be great.

But it has to be something I want to do."

She added: "I've held out for really good parts on British television and I love working

here.

I think we make great drama in this country.

I do love LA.

It's always so sunny; it's so easy to be healthy and happy there.

But I'm a northern girl."

In February, Mark revealed that his marriage to Michelle "will always come first" over

his presenting career in the US.

"If Michelle didn't like living here and she wanted me to move home, and she preferred

life back home, then for sure I would [move back]," he said on Good Morning Britain.

"[Marriage] comes first...It's not going to come to that, but if it ever did, then yes,

of course, marriage and my love life is definitely first."

The lovebirds have been enjoying a transatlantic relationship, having spent eight months apart

last year.

He continued: "Yes I miss her, yes she misses me...Right now we make sure we see each other

as much as we can."

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