Zuckerberg recently formed a company called Assemble Stream, Inc. 4:00 PM · Jan. Nicole Junkermann of NJF Holdings is proud to invest in Swarm Technologies, founded by Dr Sara Spangelo and Dr Ben Longmier. Net Worth: $500 million - $1 billion. 0 ecosystem. She studied media and communications at the University of Westminster in London. Inoltre, Nicole è pure la fondatrice del NJF Holdings. Danach leitete die. 13K subscribers 197 videos Welcome to my channel. . Nicole. Nicole Junkermann joins Winamax as newest Team Pro. The current Covid-19 pandemic sadly all too clearly demonstrates the need for continual improvements and growth in the field of healthcare. She is the founder and CEO of NJJ Capital, a venture capital firm. She is so much more than just that. For Nicole Junkermann, who had held the position of President of Chevrolet since 2013, her departure signaled a new era at GM. 0. Next. By Veronica Cruz Published Feb 15, 2023 at 20:31 PM GMT. Currently based in London, she not only boasts an impressive career track record but also possesses a remarkable linguistic acumen, fluently conversant in six languages. Speaking to Forbes, Nicole Junkermann shares the qualities that make young businesses attractive to investors and how they can best safeguard their longevity in the future. She is hitched to Ferdinando, a well-known name in the business world. 0 shares. From a business perspective, Heinz Junkermann had a range of commercial interests across Germany, from setting up setting up his own private wealth. Detail of Nicole Junkermann and Her Life. After graduation, Junkermann launched her career in sports when she co-founded a digital football gaming portal called Winamax. Fluent in six languages, Nicole has experience. Currently, Barra is the Chief Executive Officer of General Motors (GM). Welcome to my channel. Junkermann is among a new group of entrepreneurs with a common vision that transformative technologies in areas such as genomics, virtual reality and artificial intelligence will create major breakthroughs in healthcare, financial infrastructure, security and premium content. 000 millones y es imparable" Ediciones. 0 3 4 minutes read. 0, wherein they say data and content are centralized in a small group of companies sometimes. Unfortunately, Heinz died in June 2011. In her life, nicole junkermann mary barra has been a model and an actress, a bestselling author, and CEO of a $300 million company. 0 Followers. Nicole Junkermann is 1 of the Directors of Carbyne. Nicole Junkermann, NJF Capital founder, presents Elvie, a health and lifestyle brand developing smarter technology for women. The 61-year-old singer hails. Red dragon tattoo back: A red dragon tattoo on the back is a bold and powerful design choice. Despite this, the industry has faced significant challenges in response to changing consumer and manufacturing demands. Dr Mario Ohle, Dr Hubertus Hoffmann, French Admirals Pierre Lacoste and Jean Dufourcq at : "France and Germany and the EU in a World 3. Nicole Junkermann-Nicole is an international entrepreneur and investor, and founder of the investment company NJF Holdings which has interests in venture capital, private equity, and real estate. nicole junkermann web3. Nicole Junkermann is a German entrepreneur and businesswoman. Number of Investments 12. Dorothea von Boxberg. S. Nicole Junkermann 2021 . Nicole Junkermann di NJF Capital presenta Soundtrack Your Brand, una società di tecnologia musicale che ha costruito il prodotto migliore, più creativo e sen. Nicole Junkermann presents Coindrum – An NJF Capital investment which is solving the inconvenience of leftover foreign coins. Nicole Junkermann founded the venture capital company NJF Capital in 2012 and shares three tips to become more productive in the workplace by Portia Chamapiwa 08-02-2023 11:48Nicole Junkermann Web 3. In this article, we delve into the remarkable journeys of Nicole Junkermann Lynn Good, exploring their experiences,. Originally published on Vocal. bukhari17@gmail. Nicole Junkermann net worth is unknown t the time of writing. . The ominously named “Reporty Homeland Security” was the first incarnation of what is now called “Carbyne911” and is referred to as simply “Carbyne. Swarm Technologies is launching a satellite system which can provide internet to London and the world at a cheaper rate than current satellites. Njf Capital with applied Nicole Junkermann investor. Height: 165 cm. @TechNative. Tutorials page. Gain insights into her forward-thinking ideas and. At NJF Real Estate, we aim to generate market-leading returns on international real estate markets. Visit this link to download: Nicole Junkermann. Nicole Junkermann’s net worth has been growing steadily over the years. Nicole’s father, Heinz Junkermann, was a renowned businessman, as was her mother, Ingrid Junkermann. Order by Phone at 866-388-7003 or online at. Born April 27, 1980, in Darmstadt, Germany, she contributed significantly to Web… Read More » Nicole Junkermann Web 3. She is so. Through the company’s venture capital arm (NJF Capital), Nicole oversees an investment portfolio across Europe and the US similar in size to a small venture capital fund. Bolt. She was raised by her parents as their only kid. NJF Capital, the. She has perceived the capability of blockchain innovation to change enterprises and has been effectively engaged with supporting organizations that are creating imaginative blockchain arrangements. By focusing on customer satisfaction, taking calculated risks, and mentoring new entrepreneurs, Nicole made Winamax a globally recognized brand. 0. Previous. Her. Tel: +44 (0)203 675 9530 Email: raid@cavendishgroup. Valheim Genshin Impact. 0:00 Wireless technology0:. Nicole Junkermann explains how Elvie uses smart apps to create innovative femtech. NJF Holdings Founder, Nicole Junkermann, gives an investor’s perspective on what we can learn from the current health crisis, what the future could look like and her experience as a woman in the investment. Nicole Junkermann è un’imprenditrice e un’investitrice internazionale. Nicole Junkermann, die Gründerin von NJF Capital, stellt Wi-Charge vor, das führende Unternehmen im Bereich der drahtlosen Energietechnologie mit großer Reic. Consultez le profil complet sur LinkedIn et découvrez les relations de Nicole, ainsi que des emplois dans des entreprises similaires. Nicole Junkermann’s Post Nicole Junkermann Founder at NJF Holdings 4yNovember 6, 2023 November 6, 2023 Pushap 0 Tagged CEO of Duke Energy, CEO of NJF Capital,. 0 and explore how Nicole Junkermann is leaving her indelible mark on this exciting frontier. Right here, our team are actually speaking about one of the famous personality is actually a motivation of all as. Swarm Technologies lance une constellation de satellites qui peut fournir un accès. Blockchain are connecting the world to the f. 1%. 2/13. Her parents reared her as the sole kid. Read writing from Nicole Junkermann on Medium. Her investments in blockchain technology, digital assets, and decentralized applications have helped to accelerate the growth of this emerging industry, making her. 6 Recently, definitions of Web 3. Watch this video . Randi Zuckerberg y Nicole Junkermann son dos mujeres tan extraordinarias como didácticas. Nicole Junkermann is a well-known entrepreneur, investor, advisor, and philanthropist who has made significant contributions to the development of Web3. 0 39 4 minutes read. . . A self-made entrepreneur is challenging to find today, yet still there are handful of incredible individualities that had actually performed a ton of challenging job to achieve to the excellent place without taking help of anybody. 27. Junkermann began her career in investment. Nicole Junkermann CBD Gummies is the best alternative for you if you want to get rid of various health issues such as depression, stress, anxiety, trauma, and so on. This is the logic underpinning Randi Zuckerberg and Nicole Junkermann’s belief that Web3 technology will change the world, heralding a new, decentralized internet hosted on the blockchain. Randi Zuckerberg y Nicole Junkermann son dos mujeres tan extraordinarias como didácticas. Forbes Magazine named him one of. I’m Nicole Junkermann, an international entrepreneur and investor. He was 83 years old when he passed away. The Chairman of the Board of Directors is Ehud Barak, ex PM of Israel, ex Chief of Staff of the IDF & former Head of Military Intelligence for Israel. See Nicole Junkermann's compensation, career history, education, & memberships. Nicole is also the founder and CEO of the NRJ Group, specializing in real estate, fashion, private equity, entertainment, and capital investment. As CEO, Barra will be responsible for all of GM’s operations. There are a few reasons why nicole junkermann winamax is not the richest woman in the world. Nicole Junkermann began her organization in 2012 with only 10 workers. Katharina gehra. Ms Junkermann spoke on a. An ex-model whose name appeared in the Panama Papers from the Mossack Fonseca leaks and who became. But regrettably, Heinz passed away in June 2011. This year marks the tenth anniversary since international entrepreneur Nicole Junkermann lost her father Heinz, who passed away in his hometown of Dusseldorf at the age of eighty-three. 0 ecosystem. First, she is not an heiress or has inherited her wealth. Soon after graduating from university, Nicole Junkermann built and sold her first business. 0 technology, healthcare, and finance. The 41-years-of-age entrepreneur was born Nicole Junkermann on 27 April 1980. Born April 27, 1980, in Darmstadt, Germany, she contributed significantly to Web… Read More » Nicole Junkermann Web 3. We consider opportunities in yield-generating real estate assets with high capital gain potential as well as development projects with. Her investments in blockchain technology, digital assets, and decentralized applications have helped to accelerate the growth of this emerging industry, making her one of the most influential figures in the space. If we start to talk about Nicole Junkermann then first, we have to mention that she is a co-founder of Winamax. INSCMagazine: Get Social! Introduction In today’s evolving business landscape, women. Net Worth / Leave a Comment. NJF Holdings Founder, Nicole Junkermann, features in an article by Handelsblatt on 100 women who will advance Germany in the next few years Mar 18, 2021 Apr 24, 2020 On Saturday 31st August 2002, Jeffrey Epstein and Nicole Junkermann would fly from Paris Le Bourget Airport to Birmingham Airport, in the UK, alone. Welcome to my channel. Nicole Junkermann – founder of NJF Holdings, an international finance and investment company Manoj Badale – co-founder of Blenheim Chalcot, a digital venture builder Shoe Dog by Phil Knight. by Monika. At the forefront of a new approach to the old ‘femcare’ sector, how is Elvie, along with strategists like Nicole Junkermann and NJF Capital, helping to shape the new women’s health climate?The “ Coworking Spaces Global Market Report 2020-30: COVID-19 Growth and Change ” published in May 2020 reported that the global co-working spaces market is expected to decline from $9. que vão te deixar mais forte. I’ve spent my career developing strong media businesses, investing in disruptive, cutting-edge. 000 millones y es imparable" Ediciones. Through NJF’s venture capital arm, NJF Capital, the team oversees a portfolio of over 30 start. Nicole’s mother, Ingrid Junkermann, was from a wealthy family, and her father, Heinz Junkermann, was also a successful businessman. Success Stories. In recent years, there has been a push for more diversity and inclusion in the business world, and two women who are leading the way in this movement are Nicole Junkermann and Mary Barra. I’ve spent my career developing strong media businesses, investing in disruptive, cutting-edge. 0, a concept that promises to revolutionize the digital world. . Nicole Junkermann invests in Owkin UK, founded in 2016, alongside Brent Hoberman and they are passionate about the healthcare sector and its growing use of biotech. Nicole Junkermann is an international entrepreneur and investor, focused on identifying opportunities to disrupt traditional business models through industry-defining technologies. Unfortunately, Heinz died in June 2011. Follow. Previous. Randi and Nicole believe that we are still in the “dial up days” of Web3 adoption, and that now is the moment to build the structure that will enable. Breaking News. NICOLE JUNKERMANN AND WEB3 NEWS. Nicole Junkermann Web3. In 2019, Nicole’s net worth increased to $1 billion. Literature. NJF Capital: The Rise of the Eurocorn: Europe's Billion-dollar. Nicole Junkermann, founder of NJF Capital, recently spoke on how Europe can become the hub linking American and Chinese technology. Nicole Junkermann, Londres. Share. Moreover, she worked for In Front Sports and Media in the year 2002. 1. German born and London based, Nicole has built a deep and diverse business network across Europe, the U. 0 : Revolutionizing the Digital Landscape MTT Team | October 23, 2023 Nicole Junkermann is a key figure in Web3. 27. The Reserve Bank lowered its economic growth forecast for this year to 0. Under her leadership, GM has announced plans to invest $5 billion in electric vehicles and autonomous technology over the next five years. Cracking the Code: Deciphering 06shj06 in 60 Characters or Less. Education 13. admin. victor perez. 2/13. One of Nicole’s notable ventures is NJF Holdings, a company that invests. Home About DIVISIONS News and Views 🇬🇧 EN Nicole Junkermann and Tania Boler Nicole Junkermann is one of the many proud investors of Elvie, a health and lifestyle brand founded by Tania Boler in 2013. . Founder – NJF Holdings. She graduated from a local high school and completed her master’s degree in business administration from Harvard University. Get inspired by our community of talented artists. Be with us to know more. Nicole Junkermann Nicole Junkermann is a prominent entrepreneur, investor, and philanthropist known for her ventures in various industries. I’m Nicole Junkermann, an international entrepreneur and investor. When using AI to address societal problems the first stage is immersion; data must be gathered to assess the full scale and nature of the issue. 0 and explore how Nicole Junkermann is leaving her indelible mark on this exciting frontier. @NJFJunkermann. Nicole Junkermann Cbd Gummies When the government and nicole junkermann cbd gummies Politburo meetings were held in great value 100 lemon juice Stalin s dosage for cbd tincture office, the man in charge made him responsible for keeping brief average sales for a cbd company notes. Nicole Junkermann founded the digital football gaming service Winamax. The first part of Johnny Vedmore's Junkermann Trilogy. In the ever-evolving landscape of technology, one name that has consistently been at the forefront of innovation and investment is Nicole Junkermann Web 3. Nicole Junkermann presents Swarm Technologies: connectivity to our global community is essential for economic growth in the 21st century. Facebook 0 Twitter 0 Likes. She was born on April 27, 1980, in Darmstadt, Germany, and grew up in London, UK. Nicole Junkermann Mary BarraMary is the new CEO of General Motors, and she is quickly making her mark in the automotive industry. Nicole Junkermann, die Gründerin von NJF Capital, stellt Owkin vor, ein Start-up-Unternehmen im Bereich der medizinischen KI-Forschung, dessen Aufgabe darin. Nicole Junkermann Web3. Nicole Junkermann enrolled at the International University of Monaco in 1995 and graduated in 1998 with a Bachelor of Science degree in business administration. Search. ShareNicole Junkermann, NJF Capital founder, presents an A-Z of Femtech - a series of short videos focused on specific areas of interest in this hugely important. Explore Nicole Junkermann's visionary perspective on Web3. Nicole Junkermann sat down with Gordon & Eden to answer some questionsFollow. Nicole Junkermann is an accomplished web3 international entrepreneur, investor, and business leader. Nicole Junkermann Web 3. It was an honour to be invited to 10 Downing Street for #IWD2019. Her parents were spoilt for her since they were their sole children. Nicole Junkermann is a girl of a finance manager named Heinz Junkermann, who lives in London. She has won multiple GrandNicole Junkermann is a German entrepreneur and investor and the founder of NJF Holdings, an international investment company. uk; SUBSCRIBE TO OUR. She is proud of the fact NJF Capital has three female-led start-ups considering they recieve just 1% of venture capital funding in the UK. Nicole Junkermann is a force to be reckoned with in the world of business. com. Women experience specific health issues and I am. Nicole Junkermann Winamax’s net worth is around $250 million as of January 2023. A little bit about Nicole Junkermann Nicole Junkermann is a leading international entrepreneur and investor, focused on disrupting traditional business models through industry-defining technologies. com. Nicole Junkermann has been alive since April 27, 1980, making her age 41. Welcome to my channel. Nicole Junkerman: The IDF-linked Bond Girl Infiltrating the UK NHS. Nicole Junkermann "appears to be a German-born Israeli state intelligence operative based in London. Randi zuckerberg. Tech Investor and Entrepreneur in London, UK. Their latest investment was Series B - Soundtrack Your Brand on Jun 23, 2015, when Soundtrack Your Brand raised. Along with another major shareholder, Nicole. She is 41 years old and of German descent. She nicole junkermann mary barrera is the CEO and President of PepsiCo. Movies; LifestyleNicole Junkermann and Lynn Good are two such individuals who have carved their names in the annals of entrepreneurship and leadership. Heinz passed away in June of 2011. 5m, United In Sports. The nicole junkermann mary barra was instrumental in introducing the principles introduced by PepsiCo on environmental sustainability and ethical manufacturing practices. Forbes - Interview with Nicole Junkermann. Nicole Junkermann, 41, was born on 27 April 1980. Nicole Junkermann Nicole Junkermann is a prominent entrepreneur, investor, and philanthropist known for her ventures in various industries. 0 : A Vision For The Future. We have added a new blog about her connections with #web3. How the Covid-19 Open AI Consortium (COAI) is helping to combat the pandemicNicole Junkermann is the founder of NJF Holdings, an entrepreneur ruling the international business space as well as an investor. . Nicole Junkermann Nicole Junkermann is a prominent entrepreneur, investor, and philanthropist known for her ventures in various industries; we shall discuss Nicole Junkermann Web 3. Her folks were spoilt for her since they were their only kids. James Stephens August 10, 2019 Facebook 0 Twitter Pinterest 0 0 LikesRead writing from NJF Holdings_De on Medium. com was registered 3 years ago. April 27, 1980. The backing of industry leaders like Nicole Junkermann suggests this is likely just the beginning of The PIT's success. 0, the next evolution of the internet, is poised to revolutionize the digital landscape and empower users in unprecedented ways. 0, you may. I’m Nicole Junkermann, an international entrepreneur and investor. How to Start an Equipment Rental Business: Laying the Foundation Discover the transformative journey of Nicole Junkermann Web3. I’ve spent my career developing strong media businesses, investing in disruptive, cutting-edge. A report from Drake Star Partners forecast that the global sports technology sector will reach $31. Junkermann began her career in sports marketing and quickly transitioned to technology and digital media,. She has become a key player in the blockchain industry. Nicole Junkermann sat down with El Referente to talk about how she became a successful entrepreneur and her mission as an investor to improve lives through technology. . ,que vão te deixar mais fortefases e ciclos difíceis,Muitas vezes, você irá passar por processos,e ainda mais incrível do que você já é. Both parents spoiled her because she was their only child. Vivek Punjabi Co Founder, Operating Partner at Nova Talent & Girl Dad. Want to discover art related to nicolejunkermann? Check out amazing nicolejunkermann artwork on DeviantArt. She is a member of the Newest Team Pro and has enjoyed some success in her career so far. Fiza Sami Send an email February 23, 2023. James Stephens March 18, 2021. As a girl, she’d be taken into meetings by her father Heinz Junkermann and offered an insight into the companies he worked with. On-Demand Wellness: The Convenience of Mobile Services. 0 - What we can learn from Dr. 0. EXPLORING THE SUCCESS STORY OF WEB3: WEB3 BUSINESS, WEB3 GAMING. This is the logic underpinning Randi Zuckerberg and Nicole Junkermann’s belief that Web3 technology will change the world, heralding a new, decentralized internet hosted on the blockchain. Number of Investments 12. He has been named one of the most powerful leaders in the world by Forbes Magazine, with a total value of about 0 290 million. 0 Followers. 0 - What we can learn from Dr. I’m Nicole Junkermann, an international entrepreneur and investor. This has been achieved by her investments in Blockchain. NJF Capital is the venture capital arm of NJF Holdings. and his gaming company Improbable is looking into all the ways Web3 might influence the way we live in the. Nicole Junkermann appears to be an Israeli state intelligence operative based in London. She is the daughter of her late German businessman father Heinz Junkermann and his wife Ingrid Junkermann. Therefore, Nicole has accumulated a decent fortune over the years. A self-made business owner is difficult to discover today, but still there are actually handful of incredible personalities that had carried out a great deal. Junkermann was also a crucial investor and the lousy habit director of Bridgepoint Capita. Both women have achieved great success in their respective industries and have become role models for women around the world. , which announced Thursday it is acquiring Web3 membership community Meta Angels. 0 You May Also Like: 1. 1. Join Facebook to connect with Nicole Junker and others you may know. In this article, we will delve into the concept of Web3. Nicole began her career in 1998 as a co-founder of football gaming portal Winamax. Height: 165 cm. by admin August 12, 2022 December 19, 2022 0 704. Nicole Junkermann’s Perspective on How Technology Could hold the key to Living Longer. Announced Date. A Global Entrepreneur Shaping the Future of Web3. The Nicole Junkermann Maryand Barra both are inspirational business women who have proved them in the world of entrepreneurship. Search. 0 and has been actively involved in supporting companies that are developing innovative blockchain solutions. They both speak six different languages and live in different parts of the world. 0 You May Also Like: 1. On 27 th April 1980, Heinz Junkermann, a successful businessman, and Ingrid Junkerman, who was also from the business world, welcomed their only child. Yazan Abu Huraira 90 Days Fiance; Eric Dayton “Mark Dayton son” Wiki, Bio, Age, Height, Instagram, Wife, Job, and Net WorthNicole Junkermann Career and Business Ventures. Nicole Junkermann: Wonder Woman In Business World. Nicole’s journey began… Read More » Nicole Junkermann Web 3. Nicole Junkermann learnt about business at a young age. Technology. . Nicole junkermann mary barra has worked with companies such as Puma, Chanel, Revlon and L’Oreal. Nicole Junkermann, international entrepreneur, investor and founder of NJF Holdings. Randi zuckerberg. An ex-model whose name appeared in the Panama Papers, the closest example that you could possibly find to a real-life “Bond Girl. She is originally from Germany, and now lives in the United States. View Nicole Junkermann’s profile on LinkedIn, the world’s largest professional community. Danach leitete die. She is in almost complete control of her public image. Her impressive career spans…Nicole Junkermann @NicoleJunkermann 2. Top Companies and Job Boards. Nicole Junkermann is a German entrepreneur, investor, and philanthropist. Just like her father, Nicole Junkermann has also refused to pigeon-hole herself into a single profession or industry. 0 ecosystem. She has been awarded the title “Queen of Social. In addition, Junkermann played a vital role as an investor and Bridgepoint Capita’s bad. Mary Barra – Early Life and Career: 5. She invested in newly-founded Infront Sports and Media in 2002 and in Shanghai Really Sports, China’s third largest sports retailer, in 2005. Nicole Junkermann was born in Germany in 1965. Facebook Twitter LinkedIn Tumblr Pinterest Reddit VKontakte Odnoklassniki Pocket. Nicole Junkermann, the highly accomplished venture capitalist, discusses the role of AI in the health sector and where her investments are fuelling progress towards the solutions for major healthcare concerns. Nicole Junkermann analyses Blockchain and the launch of The PIT, the first crypto trading platform to bring institutional-grade speed, reliability, and liquidity to individual investors across the world, plus other recent expansions. admin. 0 Revolutionizing the Internet with Blockchain TechnologyWith her keen eye for innovation and insatiable appetite for groundbreaking ideas, she has become a prominent figure in the world of Web3. As an accomplished artist who has performed on Broadway and won three Tony awards for producing Broadway shows, she is uniquely positioned to speak on the intersection of technology and art. 0 and the Emergence: A Paradigm Shift in Technology. Heinz Junkermann and Ingrid. This is the logic underpinning Randi Zuckerberg and Nicole Junkermann’s belief that Web3 technology will. More from victor perez. Why I’m Not The Richest Woman in the World. This is the logic underpinning Randi Zuckerberg and Nicole Junkermann’s belief that Web3 technology will change the world, heralding a new, decentralized… Robin Dunbar on LinkedIn: Nicole Junkermann, Randi Zuckerberg and the future of Web3 -. Many people take their health for granted, however, this crisis will surely encourage society to reassess its. Popular Posts. International investor and entrepreneur Nicole Junkermann is a fantastic ROLE MODEL of what women can achieve through hard work, self-belief and resilience! From her early entrepreneurial days to becoming the Founder of international finance and investment company, NJF Holdings , Nicole’s knowledge, determination and sheer will has led her to. Yet, she is almost unknown to the majority of us. Whilst it is unclear at this. S. 0 Innovation - because the future is blockchain, and she's leading the charge. Marianne janik. Yet, she is almost unknown to the majority of us. Facebook 0 Twitter Pinterest 0 0 Likes. Nicole Junkermann was born in Dusseldorf, grew up in Spain, has lived in France and Italy, and travels globally. Thursday, March 16, 2023. From self-made billionaire. Business. This video also discusses the world of NFTs and how they can help combat the toxic positivity mindset that is becoming less prevalent. 0Johnny Vedmore investigates Nicole Junkermann's British vacation she took with Jeffrey Epstein in 2002. 2. Nicole has 6 jobs listed on their profile. Nicole a 6 postes sur son profil. Technology. The famous business tycoon’s biography, education, and everything will stun you. Guarda il profilo completo su LinkedIn e scopri i collegamenti di Nicole e le. Junkermann was also a crucial investor and the lousy habit director of Bridgepoint Capita. She studied economics at the University of Zurich and earned an MBA from INSEAD. I’m Nicole Junkermann, an international entrepreneur and investor. Born in Düsseldorf, she grew up in Spain, worked and studied in the USA - including at Harvard.