Miralem Pjanic, 30 years previous, has change into one of many nice protagonists of the switch market with out having completed the season or opening the interval for hiring. The stoppage in world soccer due to the coronavirus has postponed that many footballers postpone choices about their future, together with the midfielder of the Juventus. La Gazzetta dello Sport has revealed this Friday that “Pjanic has stated sure” and that “there’s an settlement with Barça”. The operation would take the participant to Barcelona and a midfielder culé to Turin. The azulgrana provide Arturo Vidal or Rakitic earlier than together with Arthur, who has expressed his need to proceed at Barça. Pjanic, for his half, appears prepared to change Turin for Barcelona. If this signing is confirmed, the paradox of soccer could also be such that the Bosnian has gone from being a desired participant by Actual Madrid to having the ability to put on the Barça colours. Whites’ curiosity dates again to the summer season of 2018 when Tuttosport revealed on its cowl that Juventus rejected a suggestion of 60 million euros from Actual Madrid by the midfielder, an quantity by which his departure would now be encrypted, in accordance to what he may know ACE. Madrid’s curiosity was reactivated in March 2019 with the return of Zinedine Zidane to the Bernabéu bench and be Pjanic a participant of Marseille’s style. To this we should add the phrases of Mehdi Benatia in April: “Actual Madrid tried to signal Pjanic”.Pjanic has a contract with Juventus till June 2023. As a bianconero he has performed 167 video games unfold over 4 seasons by which he has scored 22 targets and has distributed 36 assists. The midfielder is valued at 52 million euros by the specialised portal Transfermarkt.
Don’t miss out on the latest news and information. Lights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew Gov’t to employ 6,000 displaced by Taal Nadine Lustre’s phone stolen in Brazil Carpio hits red carpet treatment for China Coast Guard PLAY LIST 02:14Carpio hits red carpet treatment for China Coast Guard02:56NCRPO pledges to donate P3.5 million to victims of Taal eruption00:56Heavy rain brings some relief in Australia02:37Calm moments allow Taal folks some respite03:23Negosyo sa Tagaytay City, bagsak sa pag-aalboroto ng Bulkang Taal01:13Christian Standhardinger wins PBA Best Player award MOST READ View comments Sports Related Videospowered by AdSparcRead Next Jovielyn Prado rattled in 14 points as Tacloban pulled off a 15-25, 25-23, 22-25, 25-20, 15-13 squeaker over PetroGazz Saturday night in the Premier Volleyball League Open Conference at Malolos Convention Center.The Fighting Warays snapped a three-game losing streak and managed to remain in contention for the Final Four with a 5-7 record.ADVERTISEMENT Gretchen Barretto’s daughter Dominique graduates magna cum laude from California college In its star’s absence, UST shows promise heading into next season LATEST STORIES But though it was Prado who did the most damage, Heather Guino-o applied the finishing touches as she scored three points late in the fifth frame.Down 7-10, Guino-o tried rallied the Fighting Warays late in the deciding set, hammering a baseline hit as they come to within 11-12 before an Angels’ attacking error tied the match.FEATURED STORIESSPORTSGinebra beats Meralco again to capture PBA Governors’ Cup titleSPORTSJapeth Aguilar wins 1st PBA Finals MVP award for GinebraSPORTSGolden State Warriors sign Lee to multiyear contract, bring back ChrissGuino-o then gave Tacloban the lead with a kill-block off PetroGazz star Stephanie Mercado. Japeth Aguilar embraces role, gets rewarded with Finals MVP plum Allen Durham still determined to help Meralco win 1st PBA title Will you be the first P16 Billion Powerball jackpot winner from the Philippines? Lights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew Tim Cone, Ginebra set their sights on elusive All-Filipino crown
John B. S. Davies, President, LBDI and President, LBAThe Liberia Bank for Development and Investment (LBDI) has acceded to the peer review of the Prudential Standard Guidelines and Rating System (PSGRS) of the Association of African Development Finance Institutions (AADFI). This makes the Bank the first financial institution in Liberia preparing to be rated by the Association.The AADFI-PSGRS mechanism was co-initiated by the African Development Bank with the aim of assessing Development Finance Institutions (DFIs) in the key areas of Governance Standards, Financial & Prudential Standards and Operational Standards.The PSGRS and the peer review exercise are intended to assist member institutions to identify their strengths and weaknesses with a view to applying remedial measures to ensure that African DFIs reflected international best practices in their operations.LBDI made a statement of intent on becoming a PSGRS compliant development finance institution last week when it hosted a two-day training session on PSGRS compliance for senior and middle-level managers at its 9th Street Corporate office on July 3 and 4.The seminar was facilitated by seasoned AADFI experts, who were led by Mr. Attiogbe Koku Akogoni and his colleagues, Mr. Konate Yacouba and AADFI peer review consultant, Mr. Paul Yuma Morisho.Speaking at the closing ceremony of the seminar, LBDI Chief Executive Officer, Mr. John B. S. Davies, III assured the public that LBDI will be the first bank to successfully pass the litmus PSGRS evaluation test for AADFI rating.“We have no doubt that LBDI will be the first bank in Liberia to achieve this feat,” he said noting, however, that Management will not rest on its laurels, but will work with all stakeholders across the banking industry to ensure that no effort is spared in providing access to finance to the Liberian populace.According to Mr. Davies, LBDI had to first meet the Central Bank of Liberia’s (CBL) requirement on international financial reporting standards (IFRS) before venturing into acceding to PSGRS peer review.“We [LBDI] led the way in meeting the IFRS requirement by the CBL and our report has already been published,” he said.Mr. Davies thanked AADFI for sending the ‘brilliant’ facilitators and said the move to accede to the PSGRS of AADFI is intended to take LBDI to another level and enhance the Bank’s credit rating system in line with international best practices.He noted that it is the responsibility of LBDI to lead by example because the Bank is the premiere development finance institution in the country.The LBDI CEO described his bank’s accession to the PSGRS as another milestone in ensuring that LBDI adapts best practices and sound banking procedures, actions and endeavors in the interest of advancing its strategic plan.“I am aware of the fact that the first attempt by many of our colleague development finance institutions, who are members of AADFI, did not do quite as well as we’ve done in our first revision. That progress is an attestation that Liberia’s banking sector is vibrant and that our regulatory framework is strong,” he said.For his part, the Deputy Director for Regulation and Supervision at the CBL Mr. Michael B. Ogun described as a milestone, the decision by LBDI Management to accede to AADFI’s PSGRS.According to Mr. Ogun, LBDI has crossed the bridge and open the way for other banks to follow suit in order to improve their credit rating.“This landmark gain by LBDI is welcoming because Liberia is not rated. Sierra Leone, Ghana, Nigeria and most of the other countries are rated, but Liberia is not rated,” the CBL Deputy Director declared.He stressed the importance of the country’s banks being rated and said it attracts potential investors. Mr. Ogun challenged AADFI and other credit rating agencies to ensure that LBDI succeeds so that country’s financial institutions will be listed. The Association of African Development Finance Institutions has, since its creation in 1975, continued to promote activities that support African national and sub-regional DFIs in achieving their mandates.Since the adoption of the PSGRS in 2008, it has been used for peer review and rating of DFIs every two years, with the first exercise being conducted during the 2009 CEOs Forum held in Ezulwini, Kingdom of Swaziland in November 2009.Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window)
GAA: Declan Bonner will select his Donegal U21 team before Christmas when he holds a final trial match on December 19th. Bonner has called up FIFTY players for trials – and has been casting a watchful eye over them in the last number of weekends.Bonner took charge of the Donegal minor side over the past two seasons and won an Ulster MFC title in 2014. He also led the Donegal minors to the All-Ireland decider in 2014 – before narrowly losing out to Kerry.Donegal have lost THREE Ulster U21 finals in-a-row – and Bonner will be hoping he can go one better this season.Bonner suffered a blow when Darach O’Connor sustained a cruciate ligament injury for Buncrana.It’s unlikely he will be fit in time for the Ulster championship which gets underway in March. Donegal have been handed a home quarter-final tie with Antrim and will be confident of progressing.Stephen McBrearty, Jack O’Brien, Stephen McMenamin, Rory Carr and Ciaran Thompson are all in the Donegal Senior squad for the 2016 campaign – and will be key figures for Bonner in the U21 campaign. DONEGAL U21 SQUAD TO BE FINALISED BEFORE CHRISTMAS was last modified: December 2nd, 2015 by Mark ForkerShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:GAAnewsSport
Former Manchester United Youth captain Ryan McConnell enjoyed a dream debut for his new club Ballinamallard United this afternoon. He scored, and won the MOTM award, but unfortunately his side were defeated 2-1 by Irish League giants Linfield.McConnell is on loan from Finn Harps, after enduring a frustrating season under Ollie Horgan. McConnell wasn’t given many opportunities to impress, and was left kicking his heels on the bench. Gavin Dykes who was Harps assistant earlier this season, left Harps in June to take over at Ballinamallard.He took McConnell on loan from Harps in order to get him some first-team football. That has instantly paid dividends with McConnell having an outstanding debut for the Mallards.The club’s supporters gave him the MOTM award, and he also notched his first senior goal in the process.Harps fans will be glad they have secured the services of McConnell for next season, as many feel he could become a mainstay of the Harps defence for years to come. McConnell shows Harps what they’re missing with MOTM display for new club was last modified: August 7th, 2016 by Mark ForkerShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:ballinamallardDebutfinn harpsManchester UnitedMOTMRyan McConnellSport
JIM McGuinness was clearly delighted after Donegal overcame Kerry today – but was keeping his feet on the ground as favourites Cork lie ahead in the semi-final on August 26.And the Donegal manager admitted that his side nearly lost it against the Kingdom towards the end.“We nearly threw it away,” said Jim. “We had a six point lead and we we were in control – and then a goal goes in and we nearly paid the price,” he said, “Kerry really came back at us.”But he winning the ball in midfield at the end to allow Karl Lacey to point again “really mattered.”Said McGuinness: “From our own point of view we are just happy to get over the line. Great scenes for the supporters out there today and to play Kerry for the first time in the championship and get a victory is fantastic.“We are now in the semi-fnal and not getting too carried away. Hopefully we can bring the thing forward im the coming weeks.” VICTORY OVER KERRY: GREAT DAY FOR DONEGAL, SAYS BOSS JIM, BUT MORE TO DO! was last modified: August 5th, 2012 by BrendaShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:BUT MORE TO DO!SAYS BOSS JIMVICTORY OVER KERRY: GREAT DAY FOR DONEGAL
Two Donegal families have landed major roles as part of a massive advertising campaign by Failte Ireland. Failte Ireland is launching a major Wild Atlantic Way Marketing campaign, and Donegal will have a starring role in it.Louisa Harley and Mark Forrester were cast as models for Failte Ireland. Their children Taylor Lee, Jayden and Ashton are students of the Karen Gorman Academy of Speech and Drama & Casting Agency.This time, the roles being cast were for adults and parents – and Louisa and Mark, Letterkenny, along with Patricia andGerry Duke, Donegal Town, were successful in being chosen as models.A delighted Karen told Donegal Daily, “This was a very exciting project for us to be involved in given the huge profile that Failte Ireland’s Wild Atlantic Way campaign has.“We were successful in having not 1 but 4 clients cast. “They were all an absolute delight for the photographer to work with and their photos may be used by any company involved in the tourism industry as they are going to be part of Failte Ireland’s Content Pool.“This really widens the scope of their exposure so we are thrilled! Patricia Duke has modelled many times in the past, one of her campaigns was for the Ryan Air Brochure.“Herself and husband Gerry made a fantastic team. Louisa and Mark were absolute naturals and are the pride of their sons in Speech and Drama class.“What amazing role models they are for their very talented boys.”Delight as Donegal quartet secure casting roles for Failte Ireland campaign was last modified: October 19th, 2016 by Mark ForkerShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)
Share Facebook Twitter Google + LinkedIn Pinterest By Doug Tenney, Leist MercantileDeclining grain prices continued that trend into the first week of September. December 2019 CBOT corn made a new contract low of $3.53, over a dollar below the contract high of $4.73 from June 17. Kansas City wheat reached a 14-year low that same week. Chicago December CBOT wheat tumbled to $4.50 ½, well below its summer high reached in June of $5.65 ¾ and its contract high at $6.34 ½ established in August 2018. The contract low for December wheat was reached May 13 at $4.42 ¼. While U.S. corn and soybean production for this year falls below levels seen in 2017 and 2018, plentiful and ever-increasing world stocks of grains continues to keep prices on the defensive. U.S. grain exports face stiff and growing competition from other world suppliers. Early September, South American and Black Sea corn sale values were 15 to 45 cents per bushel below those from the U.S. Gulf for shipment this fall and into December.U.S. temperatures in early September reached into the 40s in the northern Corn Belt states. While temperatures are cooling and 6- to10-day forecasts indicate normal to above normal temperatures, there continue to be no frost threats into September 20. The market will aggressively monitor northern U.S. temperatures through Oct. 10. Here’s why. In early September there were 53 million U.S. corn acres not yet in the dent stage. In addition, 10 million soybean acres had not yet begun to set pods. It will indeed be a race to the finish for U.S. corn and soybeans to reach maturity before a killing frost.An EPA announcement in August granted small refinery exemptions (SREs) for 31 small refineries. This announcement allowed those refineries to not include ethanol in their gasoline blends. This is not the first exemption granted by this administration, with previous exemptions dating back to 2016-2017. It is extremely troubling to producers as they quickly see demand destruction for corn. Using corn to produce ethanol, also known as a renewable fuel has been around for 30 years. Plant expansion was particularly evident in the past 10 years all across the Midwest. Producers made cropping and equipment decisions based on the continued use of ethanol. We have seen E15 and E85 Ethanol stations spring up across the Midwest the last 10 years. However, the number is significantly less than had been expected in past years. While we have seen several new weekly records for corn used for ethanol in the past 18 months, the ethanol line in the supply and demand tables has been shrinking in recent months.Corn demand for the 2019-2020 marketing year (September 2019 to August 2020) continues to shrink. The August WASDE report had corn exports of 2.050 billion bushels, down from 2.275 billion bushels in the May WASDE report, a cut of 225 million bushels. In August, corn used for ethanol stood at 5.475 billion bushels, down 25 million bushels from May. Sept. 12 projections suggest U.S. corn demand will see further cuts in the months ahead.The U.S. and China each implemented another set of tariffs against each other on Sept. 1. Late August, the Commerce Department in China indicated they wanted to see the trade deal get finalized as the current tariffs are affecting their economy. The U.S. continues to insist China wants trade meetings to take place. Yet, at times little is heard from China concerning their next steps. In the days following Labor Day, it was announced the U.S. and China would be meeting in early October. Perhaps the caterer for lunch at these meetings thinks he has a pretty good gig, as the October meetings would be the thirteenth time the two have met. Ongoing unrest for China in Hong Kong perhaps suggests China has gains to come up with a trade deal.Expect corn and soybean harvest to last well into late November.
Readers of Environmental Building News have had about a month to contemplate some of the talking points raised in an EBN article and accompanying blog about the Passivhaus standard and, in a purely hypothetical discussion, the merits (or demerits) of slightly altering the standard to accommodate small homes and North America’s various climate zones.The author of the article, EBN Executive Editor Alex Wilson, summarizes Passivhaus history, highlights the standard’s considerable benefits and its technical underpinnings, and then introduces a few ideas intended to make the Passivhaus standard, which enjoys relatively wide adoption in Western Europe, more of a force on this side of the Atlantic. Wilson offers suggestions relevant to Passivhaus criteria in three areas:• Heating and cooling requirements, which allow a maximum of 15 kWh/m2/yr (4,755 Btu/ft2/yr) for heating or cooling. For total “primary” energy consumption, including heating, cooling, water heating, lighting, and appliances, the standard allows 120 kWh/m2/yr (38,000 Btu/ft2/yr). In very cold or very hot climates, Wilson says, he recommends relaxing the heating and cooling requirements but maintaining the total primary energy consumption limit. He adds that in very cold climates, where little or none of the 15 kWh/m2/yr for cooling will be needed, it might make sense to allow some of that energy to be used for heating. Similarly, for hot climates, where little or no space heating is needed, it would seem reasonable to allow some of that energy to be used for cooling.• Small houses, which, because Passivhaus energy-consumption limits are based on floor area, have a significantly harder time meeting the energy standard than do larger houses. Likewise, the Passivhaus airtightness standard – 0.6 air changes per hour with a 50 pascal pressure difference across the envelope (ACH50) – is tougher for small houses to meet because it is based on air changes per hour rather than cubic-feet-per-minute of air leakage per unit area of envelope. Wilson suggests relaxing the airtightness standard enough to offset that bias, and easing the energy consumption limit by allowing an additional 2 kWh/m2/yr for heating or cooling if the house is under a certain size (he suggests 100 m2 (1,076 ft2).• Existing buildings, where, because North America’s housing stock is so vast, there is enormous opportunity for energy savings (and increased occupant comfort) but also often daunting and expensive challenges to improving energy efficiency significantly, never mind to the Passivhaus standard. The recommendation: convening a panel of leading energy experts who are familiar with North America’s housing stock—and also committed to dramatic reductions in building-energy use—to come up with a reasonable “Passive House Retrofit Standard for North America.” (For example, energy consumption limits about double what the standard currently requires for new buildings – 30 kWh/m2/yr, say, for heating and the same for cooling, and an airtightness standard raised from 0.6 to 1.5 ACH50.)Reader responses to these suggestions show a striking level of commitment to the performance demands of the standard (many are not crazy about the idea of relaxing the airtightness requirement) and also to the standard’s overarching benefits, including extraordinary energy efficiency, interior comfort, durability. Naturally, though, there’s also a keen interest in increasing the affordability and market appeal of Passivhaus construction, as well as various combinations of energy efficient construction and renewable-energy systems that bring a building’s performance to net zero energy, or very near it.Paul Torcellini, a National Renewable Energy Laboratory engineer who has worked actively on the Department of Energy’s zero-energy initiative, told EBN that net-zero-energy should be as good as Passive House. “I like the idea of a number, and zero is the best number,” he said. “The beauty of net-zero is that it’s really hard to game the system if you follow the established definitions.”“How can you tell me that a net-zero house is worse than a Passive House?” added building science engineer John Straube, who is both a Passivhaus admirer and critic.As homeowners and prospective homeowners catch on to green building concepts, it seems likely net-zero-energy homes and, eventually, homes that meet the Passivhaus standard will seem less exotic and more attainable. As Wilson points out, the development of Passivhaus buildings in the U.S. is slow, but manufacturers and suppliers are starting to pay attention. And that could be a very good thing as homeowners and builders try to find the sweet spot in calculations of cost, performance, and comfort.
The Rise and Rise of Mobile Payment Technology dan rowinski Why IoT Apps are Eating Device Interfaces What it Takes to Build a Highly Secure FinTech … Tags:#Apple#iPhone#mobile The iPhone 5 will lands in many consumers’ hands on Friday but not in everyone’s who wants one. You can still get a taste of the iPhone 5 by upgrading your iPad or iPhone to Apple’s latest mobile operating system, iOS 6, due out today. New In iOS 6iOS 6 boasts nearly 200 updates to the iOS 5, and all of them are expected to be available in the United States at 1 p.m. Eastern time. Here are the highlights:Maps: As is widely known, Apple ditched Google Maps (and pretty much all other Google apps) with iOS 6. It has built its own map functions that feature, like standard and satellite views, turn-by-turn navigation, directions, 3-D buildings, crowd-sourced traffic (by way of technology from a company called Waze), local search and business reviews. Early reviews of Apple’s Maps have said that it is functional but not terrific and lacks the deep understanding of location and stree- view features of Google. Siri: The personal-assistant app takes a big step toward being a mature feature with a plethora of new functions. It now sports Twitter and Facebook integration, local search, directions, restaurant and movie reviews and information. Apple is also touting how Siri can tap into real-time sports information. Safari: Many aspects of iOS 6 are informed by Apple’s personal cloud service, iCloud. Nowhere is iCloud’s presence felt more deeply than in Apple’s mobile Safari browser. Safari, like Google’s Chrome browser, Mozilla’s Firefox or Opera, now enables you to sign in to the browser and see the same page you were reading on another device.For instance, While reading ReadWriteWeb with Safari on your Mac, you can open Safari on your iPhone to find a ReadWriteWeb tab already open. Safari also can now save pages and add to a reading list even without an Internet connection. You can also upload pictures without leaving the browser. PassBook: This feature is completely new in iOS 6. It is a “wallet” app that holds loyalty cards, movie tickets, boarding passes and coupons so you can do away with more paper. And PassBook is aware of event times and locations, and will remind you to get to the right place at the right time. Related Posts Apple has also added a “find my friends” feature that shares your location with friends and receives location-based alerts. Great for tracking your friends out on the town or keeping tabs on your kids. iTunes, App Store and iBookstore have also been remodeled. What’s Coming Next for iOS?It is never too early to surmise what Apple might institute next. Apple’s iOS 7 will likely be announced at Apple’s World Wide Developer’s Conference in the middle of 2013. Here are some features that we would like to see.Near Field Communications integration: Despite the lack of NFC in the iPhone 5, Apple has actually set itself up nicely for NFC with its PassBook application.NFC is a smartphone (and sometimes credit-card) technology that enables you to tap a terminal instead of swiping a card or scanning a barcode.Most new Android phones and Windows Phones have NFC and are starting to do very interesting things with it, such as:Making paymentsActivating loudspeakers or headphonesApproving security accessInteracting with advertisementsPassBook tees this up. Perhaps we’ll see NFC next year.Redesigned stores: Apple touts its new stores, but many people (including designers within Apple) do not like the look of them. It is time to get away from the faux bookshelves and reimagine basic interfaces for some of Apple’s most popular destinations. Ambient location: “Find my friends” is an interesting feature but only takes a small step into the always-on location capabilities of smartphones. If Apple could figure out how to do persistent background location without ruining battery life, it could fundamentally change how people interact with their environment, such as knowing where they are, what store they are near, where their friends are and more. Persistent-location is an area where most smartphone vendors could greatly improve.A Leap in HTML5: Safari is considered one of the better mobile browsers for instituting HTML5, the new page- and app-building standard, but it could go so much further if it would put the weight of its resources behind furthering HTML5. The browser in iOS 6 saw incremental additions and iCloud integration. It is now time to push the bounds of HTML5. What would you like to see in iOS 7? Let us know in the comments. Role of Mobile App Analytics In-App Engagement FaceTime: Apple’s video chat now enables face-to-face calls over WiFi and cellular connections. While FaceTime service had been limited to WiFi service, Apple’s implementation of 4G LTE now enables you use the feature anywhere, anytime.Unless, of course, you are with AT&T, in which case you are forced to sign a new data plan for FaceTime over cellular. Facebook: Apple had integrated Twitter deeply into iOS 5. Many at the time cried foul, saying that Facebook did not get the same treatment. In iOS 6, Facebook gets tied into the iPhone, making is easier to get notifications, post status updates, like apps and songs, and access your contacts. Shared Photos: This is another feature where the presence of iCloud is felt. To share pictures with other iOS 6 or Mac owners using Apple’s latest Mountain Lion desktop operating system, you select pictures and send them. The pictures will be sent to the recipient’s iPhoto or Photo app. Email: The default messaging system gets a slight redesign. Now with a VIP inbox and better photo integration.Camera: The biggest upgrade to the iPhone 5’s camera is in hardware, with a new sapphire lens and improved image stability. Apple has also added a new 240-degree panorama function.