• Daily Illinois
  • About
  • Contact
  • Privacy
  • Terms
  • DMCA
  • Sitemap
  • Write For Us
Saturday, May 21, 2022
Daily illinois - USA | News, Sports & Updates Web Magazine
  • Covid-19
  • News
    • All
    • Business
    • Education
    • Politics
    • Sports
    • World
    Business Trends Entrepreneurs Must Know

    Business Trends Entrepreneurs Must Know

    Tornado in Northern Michigan Kills Two and Injures More Than 40

    Tornado in Northern Michigan Kills Two and Injures More Than 40

    Georgia Gov. Brian Kemp (R) greets President Donald Trump as he steps off Air Force One at Dobbins Air Reserve Base in Marietta, Georgia, in March 2020.

    Trump Is Making Georgia All About Himself, And It Could Cost The GOP

    What to watch, what to bet this weekend

    What to watch, what to bet this weekend

    Using Blockchain Technology to Scale Climate Action

    Using Blockchain Technology to Scale Climate Action

    Chicago Teachers Union elects Stacy Davis Gates as new president, keeping CORE slate in power – Chicago Tribune

    Chicago Teachers Union elects Stacy Davis Gates as new president, keeping CORE slate in power – Chicago Tribune

    The second £20MILLION new Roller: This is the Rolls-Royce Boat Tail Pearl - the second of a trio of custom-made cars with a combined value of £60million

    Rolls-Royce’s £20M Boat Tail Pearl: The most expensive new car

    3 Tips To Help You Delegate Better In Your Business

    3 Tips To Help You Delegate Better In Your Business

    Asylum seekers hug near the US-Mexico border wall

    US judge blocks Biden’s plan to end Title 42 border expulsions | Migration News

    Tesla boss Elon Musk blasts Biden, Democrats on Twitter

    Tesla boss Elon Musk blasts Biden, Democrats on Twitter

  • Science & Tech
    • All
    • Ai - Artificial Intelligence
    • Apps
    • Mobile
    Facebook Dating was a catastrophic failure — and I know why

    Facebook Dating was a catastrophic failure — and I know why

    Xiaomi Mi Band 7

    Xiaomi Mi Band 7 release date, images revealed

    Twitter deal leaves Elon Musk with no easy way out

    Twitter deal leaves Elon Musk with no easy way out

    The best cheap gaming headset deals May 2022

    The best cheap gaming headset deals May 2022

    More free COVID rapid tests are available. Here's how to get yours

    More free COVID rapid tests are available. Here’s how to get yours

    "No, I hear you. You're telling me that true 'synergy' can only be achieved through 'blue-sky thinking' and giving it '110 percent,' right?"

    5 major tech annoyances and how to fix them

    Lumen metabolic analyzer update 2

    Lumen metabolic analyzer iOS app gets updated macro tracker

    Saving money.

    Tech smarts: 5 silly ways you’re flushing money down the toilet

    What time is the Blood Moon lunar eclipse?

    What time is the Blood Moon lunar eclipse?

    Norm Macdonald Recorded a New Netflix Comedy Special Before He Died

  • Entertainment
    • All
    • Gaming
    • Movie
    • Music
    Clea Shearer starts chemotherapy for breast cancer

    Clea Shearer starts chemotherapy for breast cancer

    A man, right, talks to a woman pouring herself a drink at a bar

    ‘Men’ ending explained: Birth, rebirth and what it means

    A man standing on the ceiling of an upside-down living room

    Harry Styles: Perfect boyfriend, pop star on ‘Harry’s House’

    Nine Techniques To Keep Customer Support Conversations Productive And Positive

    Nine Techniques To Keep Customer Support Conversations Productive And Positive

    Johnny Depp and Ellen Barkin in 1994.

    Ellen Barkin Recalls Johnny Depp’s Sex-Scratch Suspicion And Throwing Bottle

    Two people in black stand near a window.

    ‘Men’ explained: What inspired Alex Garland’s trippy horror

    A woman with tattoos on her arm places her chin in hand for photograph

    Dominican star Tokischa stirs controversy with explicit raps

    Joe Alwyn’s Nick on ‘Conversations With Friends’ Is TV’s Most Boring Character

    Joe Alwyn’s Nick on ‘Conversations With Friends’ Is TV’s Most Boring Character

    Eric Clapton catches COVID-19 after calling vaccine efforts a ‘mass psychosis’ – New York Daily News

    Eric Clapton catches COVID-19 after calling vaccine efforts a ‘mass psychosis’ – New York Daily News

    Mother of teen killed in Millennium Park mourns him as city’s new rules on minors there take effect – Chicago Tribune

    Mother of teen killed in Millennium Park mourns him as city’s new rules on minors there take effect – Chicago Tribune

    • F95zone
  • Lifestyle
    • All
    • Fashion
    • Food
    • Travel
    Adopting a dog after meeting my wife changed me

    Adopting a dog after meeting my wife changed me

    How Megan Fox Inspired ‘Good Mourning,’ Machine Gun Kelly’s Wild New Stoner Comedy With Pete Davidson

    How Megan Fox Inspired ‘Good Mourning,’ Machine Gun Kelly’s Wild New Stoner Comedy With Pete Davidson

    Illustration of a woman applying sunscreen

    14 heat safety tips for L.A. hiking during hot weather

    This Might Be Chromat’s Most Inclusive Swimwear Collection Yet

    This Might Be Chromat’s Most Inclusive Swimwear Collection Yet

    People urged to cook frozen fruit and vegetables because of Listeria findings

    People urged to cook frozen fruit and vegetables because of Listeria findings

    4 Best Casual Walking Sandals for Women in 2022

    4 Best Casual Walking Sandals for Women in 2022

    Buffalo shooting suspect, Payton S. Gendron, who is accused of killing 10 people in a live-streamed supermarket shooting in a Black neighborhood of Buffalo, is escorted in the courtroom in shackles, in Buffalo, New York, U.S., May 19, 2022.

    Buffalo shooting suspect confronted in courtroom: ‘You’re a coward!’

    Biden’s tour of Asia is all about countering China

    Biden’s tour of Asia is all about countering China

    The restaurant where real Italian mothers rule the kitchen

    The restaurant where real Italian mothers rule the kitchen

    AAPI Designers Bringing Traditional Design to Modern Fashion

    AAPI Designers Bringing Traditional Design to Modern Fashion

33 °f
Chicago
35 ° Sat
35 ° Sun
35 ° Mon
37 ° Tue
No Result
View All Result
Daily illinois - USA | News, Sports & Updates Web Magazine
  • Covid-19
  • News
    • All
    • Business
    • Education
    • Politics
    • Sports
    • World
    Business Trends Entrepreneurs Must Know

    Business Trends Entrepreneurs Must Know

    Tornado in Northern Michigan Kills Two and Injures More Than 40

    Tornado in Northern Michigan Kills Two and Injures More Than 40

    Georgia Gov. Brian Kemp (R) greets President Donald Trump as he steps off Air Force One at Dobbins Air Reserve Base in Marietta, Georgia, in March 2020.

    Trump Is Making Georgia All About Himself, And It Could Cost The GOP

    What to watch, what to bet this weekend

    What to watch, what to bet this weekend

    Using Blockchain Technology to Scale Climate Action

    Using Blockchain Technology to Scale Climate Action

    Chicago Teachers Union elects Stacy Davis Gates as new president, keeping CORE slate in power – Chicago Tribune

    Chicago Teachers Union elects Stacy Davis Gates as new president, keeping CORE slate in power – Chicago Tribune

    The second £20MILLION new Roller: This is the Rolls-Royce Boat Tail Pearl - the second of a trio of custom-made cars with a combined value of £60million

    Rolls-Royce’s £20M Boat Tail Pearl: The most expensive new car

    3 Tips To Help You Delegate Better In Your Business

    3 Tips To Help You Delegate Better In Your Business

    Asylum seekers hug near the US-Mexico border wall

    US judge blocks Biden’s plan to end Title 42 border expulsions | Migration News

    Tesla boss Elon Musk blasts Biden, Democrats on Twitter

    Tesla boss Elon Musk blasts Biden, Democrats on Twitter

  • Science & Tech
    • All
    • Ai - Artificial Intelligence
    • Apps
    • Mobile
    Facebook Dating was a catastrophic failure — and I know why

    Facebook Dating was a catastrophic failure — and I know why

    Xiaomi Mi Band 7

    Xiaomi Mi Band 7 release date, images revealed

    Twitter deal leaves Elon Musk with no easy way out

    Twitter deal leaves Elon Musk with no easy way out

    The best cheap gaming headset deals May 2022

    The best cheap gaming headset deals May 2022

    More free COVID rapid tests are available. Here's how to get yours

    More free COVID rapid tests are available. Here’s how to get yours

    "No, I hear you. You're telling me that true 'synergy' can only be achieved through 'blue-sky thinking' and giving it '110 percent,' right?"

    5 major tech annoyances and how to fix them

    Lumen metabolic analyzer update 2

    Lumen metabolic analyzer iOS app gets updated macro tracker

    Saving money.

    Tech smarts: 5 silly ways you’re flushing money down the toilet

    What time is the Blood Moon lunar eclipse?

    What time is the Blood Moon lunar eclipse?

    Norm Macdonald Recorded a New Netflix Comedy Special Before He Died

  • Entertainment
    • All
    • Gaming
    • Movie
    • Music
    Clea Shearer starts chemotherapy for breast cancer

    Clea Shearer starts chemotherapy for breast cancer

    A man, right, talks to a woman pouring herself a drink at a bar

    ‘Men’ ending explained: Birth, rebirth and what it means

    A man standing on the ceiling of an upside-down living room

    Harry Styles: Perfect boyfriend, pop star on ‘Harry’s House’

    Nine Techniques To Keep Customer Support Conversations Productive And Positive

    Nine Techniques To Keep Customer Support Conversations Productive And Positive

    Johnny Depp and Ellen Barkin in 1994.

    Ellen Barkin Recalls Johnny Depp’s Sex-Scratch Suspicion And Throwing Bottle

    Two people in black stand near a window.

    ‘Men’ explained: What inspired Alex Garland’s trippy horror

    A woman with tattoos on her arm places her chin in hand for photograph

    Dominican star Tokischa stirs controversy with explicit raps

    Joe Alwyn’s Nick on ‘Conversations With Friends’ Is TV’s Most Boring Character

    Joe Alwyn’s Nick on ‘Conversations With Friends’ Is TV’s Most Boring Character

    Eric Clapton catches COVID-19 after calling vaccine efforts a ‘mass psychosis’ – New York Daily News

    Eric Clapton catches COVID-19 after calling vaccine efforts a ‘mass psychosis’ – New York Daily News

    Mother of teen killed in Millennium Park mourns him as city’s new rules on minors there take effect – Chicago Tribune

    Mother of teen killed in Millennium Park mourns him as city’s new rules on minors there take effect – Chicago Tribune

    • F95zone
  • Lifestyle
    • All
    • Fashion
    • Food
    • Travel
    Adopting a dog after meeting my wife changed me

    Adopting a dog after meeting my wife changed me

    How Megan Fox Inspired ‘Good Mourning,’ Machine Gun Kelly’s Wild New Stoner Comedy With Pete Davidson

    How Megan Fox Inspired ‘Good Mourning,’ Machine Gun Kelly’s Wild New Stoner Comedy With Pete Davidson

    Illustration of a woman applying sunscreen

    14 heat safety tips for L.A. hiking during hot weather

    This Might Be Chromat’s Most Inclusive Swimwear Collection Yet

    This Might Be Chromat’s Most Inclusive Swimwear Collection Yet

    People urged to cook frozen fruit and vegetables because of Listeria findings

    People urged to cook frozen fruit and vegetables because of Listeria findings

    4 Best Casual Walking Sandals for Women in 2022

    4 Best Casual Walking Sandals for Women in 2022

    Buffalo shooting suspect, Payton S. Gendron, who is accused of killing 10 people in a live-streamed supermarket shooting in a Black neighborhood of Buffalo, is escorted in the courtroom in shackles, in Buffalo, New York, U.S., May 19, 2022.

    Buffalo shooting suspect confronted in courtroom: ‘You’re a coward!’

    Biden’s tour of Asia is all about countering China

    Biden’s tour of Asia is all about countering China

    The restaurant where real Italian mothers rule the kitchen

    The restaurant where real Italian mothers rule the kitchen

    AAPI Designers Bringing Traditional Design to Modern Fashion

    AAPI Designers Bringing Traditional Design to Modern Fashion

33 °f
Chicago
35 ° Sat
35 ° Sun
35 ° Mon
37 ° Tue
No Result
View All Result
Daily illinois - USA | News, Sports & Updates Web Magazine
No Result
View All Result
Home Lifestyle Fashion

The Year That Changed Retail Forever

by Staff Writer
December 19, 2020
in Fashion
Reading Time: 8 mins read
0
The Year That Changed Retail Forever
491
SHARES
1.4k
VIEWS
Share on FacebookShare on Twitter


For retailers, it felt like there was a lot of bad news in 2019. Little did we know what 2020 had in store. Except… to some extent, we did know. 

Related posts

This Might Be Chromat’s Most Inclusive Swimwear Collection Yet

This Might Be Chromat’s Most Inclusive Swimwear Collection Yet

May 21, 2022
4 Best Casual Walking Sandals for Women in 2022

4 Best Casual Walking Sandals for Women in 2022

May 21, 2022

Many of the legacy retailers that survived a particularly tough year — think: J.Crew, Neiman Marcus, J.C. Penney — were already hanging on by a thread before the pandemic, with sinking sales, reliance on physical retail and large amounts of debt coming up due. As “retail prophet” Doug Stephens put it to me in an email: “The early retail victims of Covid-19 suffered from a variety of pre-existing conditions.” 

These companies were in situations that would’ve been nearly impossible to rebound from even without a global public health crisis. Retail analysts had already predicted that some of them would declare bankruptcy in 2020 — add a nearly-worldwide lockdown that mandated temporary store closures into the mix, and their fate was sealed early on.

That being said, Covid-19 definitely made things even worse. So far, there have been an estimated 29 retail bankruptcies and 8,400 permanent store closures this year, with more predicted to come, meaning 2019’s record of 9,302 closures will likely be broken. According to Business of Fashion and McKinsey & Co.’s The State of Fashion 2021 report, fashion companies specifically are expected to post approximately a 90% decline in profit in 2020, after a 4% rise the previous year. 

Related Articles
The Biggest Fashion Stories of 2020
Traditional Wholesale Isn’t Working Anymore. So, What Come Next?
Moving Forward, What Does Wholesale Buying Look Like for Fashion?

Most retail experts, however, would tell you that the events of this year merely accelerated trends and changes that were already in motion pre-pandemic. That means 2020 was an especially pivotal year for the industry. As our lives changed dramatically, we witnessed the rapid decline of what wasn’t working — and maybe also the birth of what will.

“Retail is a reflection of life and our lives have changed enormously and in some respects, permanently,” explains Stephens. “Hundreds of millions of us are working remotely. Twenty-six percent of businesses are looking to cut their real estate footprints. Technology companies are allowing their people to work from anywhere. We’re educating from home. There are exoduses from cities to surrounding suburbs. The airline industry may take five or more years to recover to 2019 levels. All of these life changes have implications for retail. Where, how, when and even why we shop has been fundamentally changed.”

Below, we break down some of those fundamental changes, from the definitive shift online to the new ways brands and retailers are working together to the innovative shopping concepts gaining momentum.

The Shift to Online

The most obvious of those already-underway trends was consumers’ shift to shopping online, which they did a lot of this year thanks to that whole stay-at-home thing. 

Per the BoF McKinsey report, luxury e-commerce sales rose by at least 50% in the United States, Europe and China. “2020 may be remembered as the year in which fashion retail made a definitive shift online,” it read. “Over a period of just eight months, e-commerce’s share of fashion sales nearly doubled from 16 percent to 29 percent globally, jumping forward six years worth of growth.”

Overall, e-commerce sales rose 30% in the U.S. in the first half of the year, according to Census data. And that trend isn’t expected to reverse once we’re all safe to leave our homes again: According to a recent report, Moody’s Investors Service expects online sales as a percentage of total retail sales to exceed 25% over the next five years. As a result, retail chains will likely continue to reduce their store counts (if they don’t go under entirely, that is).

Looking forward, online shopping concepts are likely to become more advanced, and we’re already seeing how. Instagram launched in-app checkout, even for features like Instagram Live and Reels. TikTok has hosted shoppable livestreams. Shopping through video games and VR are also likely to become more common — though, it probably won’t find widespread adoption anytime soon.

The New Retailer-Brand Relationships

Something that 2020 is likely to change forever is the way in which retailers and brands work together. 

Those first few months of the pandemic were harmful, if not devastating to brands that relied heavily on wholesale brick-and-mortar accounts, particularly those without the backing of a conglomerate. Some were able to quickly pivot to an online direct-to-consumer model, but that only helped if they were offering product that felt relevant to consumers mid-pandemic. Meanwhile, some retailers protected themselves by reducing buys, cancelling orders or even failing to pay invoices, to the detriment of the brands they carry, many of which then couldn’t afford to pay factories, leaving already-vulnerable garment workers in the lurch. Then, there was the fact that the whole ecosystem around the buying and selling of clothes — traveling to Europe, attending showrooms and crowded trade shows, etc. — couldn’t happen. All of this exacerbated frustrations that already existed among brands that may have felt forced to bend to wholesale partners’ every whim without always seeing enough of a return.

Logistically, 2020 accelerated the rise of online wholesale platforms and tools that allow buyers to see everything and place orders digitally. More broadly, we’re also beginning to see brands and retailers work more closely together on terms, with brands aiming to maintain more control than they’ve had in the past.

“If you were a bestselling item at Macy’s and they’re no longer carrying you, you have no say in that; I think people are going to be looking into: How do I control that experience a little bit more for my livelihood?” says Selene Cruz, founder of San Francisco-based retail-as-service concept store Re:Store, which was recently acquired by B8ta, another retail-as-service platform.

Hillary France, founder of Brand Assembly, which operates tradeshows and helps with backend operations for brands, has noticed brands being more flexible with when they release new product instead of working on seasonal wholesale calendars. “Companies through this feel that they can release collections when they have the time, when they feel it’s ready and there isn’t necessarily this defined date that everybody has to release a collection,” she explains. Retailers, too, seem increasingly open to buying in-season based on demand, rather than making orders months in advance and ending up with excess inventory. France argues this will give brands more control over what they give retailers access to.

The BoF McKinsey report advises: “Companies need to reduce complexity and find ways to increase full-price sell-through to reduce inventory levels by taking a demand-focused approach to their assortment strategy, while boosting flexible in-season reactivity for both new products and replenishment.”

The Retail Survivors

The pandemic has put a bigger spotlight on newer, more innovative retail marketplaces that don’t rely on the typical wholesale model. 

Retail-as-service platforms — which don’t buy inventory but instead offer space to brands for a fee and/or commission — have been especially hot in 2020. There was B8ta’s acquisition of Re:Store, as mentioned above, plus the opening of its New York outpost and rebranding of its San Francisco location under the name Forum. Neighborhood Goods, which operates stores and an e-commerce site, began the year with significant VC funding and 600% year-over-year sales growth, which put it in a position to help small brands for free. Then, we saw launches of mobile versions of this concept, such as Shopify’s Shop, The Yes and Behold. (The latter counts Julie Gilhart and Tomoko Ogura as brand curators and sees celebrity stylists personalizing outfits for shoppers.)

Another new shopping app, FastAF, delivers a well-curated assortment of essentials by status-y millennial brands (think Aesop, Skims, Ouai, Le Labo and Everlane) to your home within two hours. It does buy inventory — held in fulfillment centers powered by parent company Darkstore, which fittingly takes advantage of vacancies left by businesses that have had to shut down. (A “dark store” is one that used to be used for physical shopping that has pivoted to become a fulfillment center for online shopping.)

The pandemic has created plenty of available space, according to Darkstore and FastAF founder Lee Hnetinka. He says the concept appeals to brands because of the company’s ability to reach shoppers so immediately, but also because of its curation of brands that have a certain cool factor and also aren’t widely available on other digital marketplaces: “It’s all over Instagram as this insanely cool selection, so we kind of have this movement we’ve created and brands have come to us and said, ‘Hey, we really want to be on there.'” Since launching in New York and Los Angeles, the app has seen 1,100% MoM in sales growth.

As FastAF grows, these differentiating factors — speedy delivery and cool curation — could spell success. “Any merchant, in any format, that adds significant value to the products they sell, has a place in the future,” says Stephens.

One of the big e-commerce success stories to come out of 2020 was that of Farfetch, an online platform that wasn’t new, but managed to really capitalize on the year’s events. Second-quarter sales at the site, which offers inventory from designer boutiques around the world, were up nearly 75% from the previous year.

While all of these models hold promise, Stephens warns that not all retail-as-service platforms will ultimately survive as the market gets crowded. “When that happens the novelty factor for investors, brand partners and even consumers will begin to die,” he says. “For investors and brand partners, it will really become more about true revenue and profitability. For consumers, the expectations of the experience they have will be significantly higher.”

Stephens poses Nike as an example of a single-brand retailer that proved itself as a survivor this year because it had already “laid the groundwork to weather this kind of storm.”

“They became geniuses at digital retail,” he continues. “They fired all their suboptimal distribution partners. They focussed their direct-to-consumer effort. And they built really cool stores. Coupled with the fact that their early action to close their stores in the interest of staff and customer safety turned out to be a remarkable PR play.” 

Getting Local — and a Future for Physical Stores

In addition to becoming more digitized, several experts we’ve spoken with think retail could become more localized moving forward. 

The pandemic has been devastating to travel- and tourism-dependent retail, but it’s been a boon to local neighborhood businesses. France has noticed founders and designers fleeing big cities like New York and L.A. to live and open up shop in smaller towns, like Hudson, NY or Ojai, Calif., where they can operate inexpensively but still harness their digital presence to connect with (and sell to) the world at large. With consumers expected to remain cautious about travel, companies are likely trying to find ways to engage people more locally. “I think small town retail will see a huge uptick,” she notes.

And while we will continue to see closures of underperforming stores, that doesn’t mean the concept of the physical store is dead. Per the BoF McKinsey report, stores will be more important than ever. “Stores are really going to have a heyday,” Elsa Berry, founder of luxury M&A advisory firm Vendôme Global Partners, said, in the report. “[Changed consumer behavior] is going to put pressure on the stores that do exist to be super interesting.”

“There’s still big belief in the physical space but there is this urgency to: How do you scale it out?” Cruz argues, who feels that stores need to be fused with digital in such a way that people who aren’t physically there can still experience them.

Per Stephens, brick-and-mortar success will be all about “remarkable” experiences. “I call it SUPER experiences: Surprising, Unique, Personalized, Engaging and Repeatable,” he predicts. “Brands that can deliver all five will be bulletproof.”

Never miss the latest fashion industry news. Sign up for the Fashionista daily newsletter. 

Source by fashionista.com

Related

Tags: BusinessCOVID-19FashionistagramNetworkretail
Share196Tweet123Share49

Latest News - Daily illinois

Business Trends Entrepreneurs Must Know

Business Trends Entrepreneurs Must Know

May 21, 2022
Chicago expected to reach ‘high’ COVID-19 level as soon as next week – Chicago Tribune

Chicago expected to reach ‘high’ COVID-19 level as soon as next week – Chicago Tribune

May 21, 2022
Tornado in Northern Michigan Kills Two and Injures More Than 40

Tornado in Northern Michigan Kills Two and Injures More Than 40

May 21, 2022
Clea Shearer starts chemotherapy for breast cancer

Clea Shearer starts chemotherapy for breast cancer

May 21, 2022
A man, right, talks to a woman pouring herself a drink at a bar

‘Men’ ending explained: Birth, rebirth and what it means

May 21, 2022
A man standing on the ceiling of an upside-down living room

Harry Styles: Perfect boyfriend, pop star on ‘Harry’s House’

May 21, 2022
Nine Techniques To Keep Customer Support Conversations Productive And Positive

Nine Techniques To Keep Customer Support Conversations Productive And Positive

May 21, 2022
President Vladimir Putin sits at a desk with Rosatom CEO Alexey Likhachev, whose back is to the camera, on a state media photo dated to May 19 2022

Putin’s leadership is unraveling as he takes regular breaks for medical treatment and is constantly surrounded by doctors, says British ex-spy

May 21, 2022
Daily illinois - USA | News, Sports & Updates Web Magazine

Copyright © 2020 Dailyillinois.com.

Navigate Site

  • Daily Illinois
  • About
  • Contact
  • Privacy
  • Terms
  • DMCA
  • Sitemap
  • Write For Us

Follow Us

No Result
View All Result
  • About Us Page
  • Contact
  • Daily illinois
  • DMCA Policy
  • Privacy Policy
  • Submit, Guest Post, Write For Us and Become a Contributor
  • Terms of Use

Copyright © 2020 Dailyillinois.com.

This website uses cookies. By continuing to use this website you are giving consent to cookies being used. Visit our Privacy and Cookie Policy.