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“Becoming a global leader doesn’t happen without effort.” Perhaps this is what has motivated the top leadership at <a href="http://www.businessinsider.in/searchresult.cms?query=infosys">Infosys </a>to not only restore the company’s IT bellwether status, but to come up with innovative strategies to take on the world as the <keyword id="2722483" type="UNKNOWN" weightage="20" keywordseo="global-IT-leader">global IT leader</keyword>. The man who is striving hard to turn the company’s fortune around is none other than <keyword id="6354512" type="CITY" weightage="20" keywordseo="Infosys">Infosys</keyword> CEO <a href="http://www.businessinsider.in/searchresult.cms?query=vishal+sikka">Vishal Sikka</a>. In an interview to ET Now, <keyword id="484178" type="PERSON" weightage="20" keywordseo="R-Seshasayee">R Seshasayee</keyword>, chairman, Infosys, said that <keyword id="281963" type="PERSON" weightage="20" keywordseo="Sikka">Sikka</keyword> has the board's mandate to restore the company to its bellwether status. 

	Seshasayee further added that Sikka has done a commendable job to keep the company’s focus firmly on business.
 

	Infosys’ hard work was quite evident in the first quarter of fiscal year 201-16 itself. During this period, the company registered strong <a href="http://www.businessinsider.in/searchresult.cms?query=revenue">revenue </a>growth and an unexpected bump-up in annual guidance. As a result, this raised hopes that Sikka's 'renew and new' strategy might have started to pay off. The Bengaluru-headquartered company further trumped larger rival <a href="http://www.businessinsider.in/searchresult.cms?query=tcs">Tata Consultancy Services</a> (TCS) in quarterly revenue growth for the first time since last two years.
 

	“The vision of Infosys, as enunciated by its founders, is to be the most respected company. The vision holds that you will get respect only when you are a leader. That is precisely what our goal is,” said Seshasayee told ET Now.
 

	Earlier this month, Infosys has been positioned as a leader in <a href="http://www.businessinsider.in/searchresult.cms?query=gartner">Gartner’s </a>Magic Quadrant for <keyword id="3009127" type="UNKNOWN" weightage="20" keywordseo="SAP-Implementation-Services">SAP Implementation Services</keyword>, Worldwide, 2015 by <keyword id="2340238" type="PERSON" weightage="20" keywordseo="Susan-Tan">Susan Tan</keyword>. This Magic Quadrant assessed 17 service providers. (Image: Infosys)

Infosys aims to become the big boy of the global IT industry

<ul class="summary-list"><li>A group of GOP senators unsuccessfully tried to convince President Donald Trump not to fire Gordon Sondland, the ambassador to the European Union who testified in the impeachment inquiry.</li><li>Trump disregarded the warnings and fired Sondland on Friday.</li><li>Among the senators who sought to change his mind was Sen. Susan Collins of Maine, who was recently mocked for voting to acquit Trump and saying she believed he had learned a lesson.</li><li><a href="https://www.businessinsider.com/?hprecirc-bullet">Visit Business Insider's homepage for more stories</a>.</li></ul>A group of Republican senators unsuccessfully tried to persuade President Donald Trump not to fire Gordon Sondland, the ambassador to the European Union who testified in the House impeachment hearings in November, <a href="https://www.nytimes.com/2020/02/08/us/politics/trump-vindman-sondland-fired.html">The New York Times reported Saturday</a>.Trump dismissed Sondland Friday, even though he had reportedly already been planning to leave his position.But a number of GOP senators had feared the optics of Trump firing his own diplomatic official after the impeachment proceedings, according to The Times.Among those who tried to stop Trump was Sen. Susan Collins, the Maine Republican who <a href="https://www.businessinsider.com/susan-collins-vote-acquit-trump-impeachment-trial-2020-2">voted to acquit Trump</a> on both articles of impeachment and endured widespread derision for saying she believed Trump had "learned from this case" and would be "much more cautious" going forward.The Times reported that the other Republican senators who tried to warn Trump were Sens. Ron Johnson of Wisconsin, Martha McSally of Arizona, and Thom Tillis of North Carolina.The Times reported that the senators did not try to intervene in Trump's firing of Lt. Col. Alexander Vindman, a top Ukraine expert at the National Security Council who also testified against the president in the impeachment hearings.Trump also fired Vindman's twin brother, Yevgeny, a White House official who was not involved in the impeachment inquiry.On Saturday, Trump took to Twitter to explain why he fired Vindman."Actually, I don't know him, never spoke to him, or met him (I don't believe!) but he was very insubordinate, reported contents of my 'perfect' calls incorrectly, &amp; … was given a horrendous report by his superior, the man he reported to, who publicly stated that Vindman had problems with judgement, adhering to the chain of command and leaking information. In other words, 'OUT.'"<ul class="read-more-links"><li>Read more:</li><li><a href="https://www.businessinsider.com/trump-photo-tan-line-photoshop-orange-face-2020-2">Trump called out a viral picture of his tan line for being edited, but originals didn't look too different</a></li><li><a href="https://www.businessinsider.com/vindman-firing-us-government-protecting-whistleblowers-2020-2">The Trump administration went back on its promise to protect whistleblowers' safety</a></li><li><a href="https://www.businessinsider.com/trump-impeachment-inquiry-hearings-key-moments-photos-2019-11">72 photos show all of the key moments from Trump's impeachment</a></li><li><a href="https://www.businessinsider.com/trump-fires-white-house-officials-watergate-saturday-night-massacre-2020-2">People are comparing Trump's purge of 2 top officials who testified against him to an episode straight out of the Watergate scandal</a></li></ul>

A group of Republican senators including Susan Collins tried and failed to stop Trump from firing Gordon Sondland

Business Insider Awards and Recognition 

<ul class="summary-list"><li>There is no safe or good UV index for tanning, since a tan indicates skin damage.</li><li>If you do want to tan anyway, use sunscreen and try to go on days with the lowest possible number.</li></ul>If you're hoping to get a tan (especially during the summer), you might want to know the best level of exposure to UV radiation to do so. However, it doesn't exist."There is no good UV index for tanning," says <a href="https://rutgershealth.org/provider/cindy-wassef" target="_blank" rel="noopener">Dr. Cindy Wassef</a>, assistant professor of dermatology at <a href="https://rwjms.rutgers.edu/" target="_blank" rel="noopener">Rutgers Robert Wood Johnson Medical School</a>. "There is <a href="https://www.fda.gov/radiation-emitting-products/tanning/risks-tanning" target="_blank" rel="noopener">no such thing as a safe tan</a>."If you still want to <a href="https://www.insider.com/guides/beauty/how-to-tan-safely" target="_blank" rel="noopener">get a sun-kissed tan</a> despite the risks — like premature aging and skin cancer — use sunscreen, reapply it frequently, and avoid the sun during its peak hours with help using the UV index.Here's what you should know about the UV index and how to protect your skin from the sun.<h2>How to use the UV index</h2>"The UV index rates the strength of ultraviolet rays coming from the sun on a scale of 1 to 11, with higher numbers indicating stronger ultraviolet radiation," says Wassef.Knowing the <a href="https://www.insider.com/guides/beauty/uv-index-scale" target="_blank" rel="noopener">UV index</a> forecast for the day can help guide your activity, clothing, and sunscreen choices, she adds.Here is the <a href="https://www.epa.gov/sites/default/files/documents/uviguide.pdf" target="_blank" rel="noopener">breakdown</a> of the UV index and the sun protection you need:<table style="border-collapse: collapse; width: 99.7452%; height: 287px;" border="1"><tbody><tr style="height: 22px;"><td style="width: 21.9745%; height: 22px;">UV Index Number</td><td style="width: 78.0255%; height: 22px;">Sun Protection</td></tr><tr style="height: 22px;"><td style="width: 21.9745%; height: 22px;">&lt;2 (Low)</td><td style="width: 78.0255%; height: 22px;">Wear sunglasses on bright days. Cover up and use SPF 15 or higher sunscreen if you tend to burn easily.</td></tr><tr style="height: 22px;"><td style="width: 21.9745%; height: 22px;">3-5 (Moderate)</td><td style="width: 78.0255%; height: 22px;">Take the same precautions like covering up and using sunscreen. Seek shade during midday hours to shield yourself from the sun.</td></tr><tr style="height: 22px;"><td style="width: 21.9745%; height: 22px;">6-7 (High)</td><td style="width: 78.0255%; height: 22px;">In addition to the measures above, wear a wide-brimmed hat, sunglasses, long-sleeved shirt, and pants.</td></tr><tr style="height: 22px;"><td style="width: 21.9745%; height: 22px;">8-10 (Very High)</td><td style="width: 78.0255%; height: 22px;">Take the same protections and be aware that skin can burn very quickly at this level. Stay inside during midday hours.</td></tr><tr style="height: 22px;"><td style="width: 21.9745%; height: 22px;">11+ (Extreme)</td><td style="width: 78.0255%;">Take all precautions possible because unprotected skin may burn in a matter of minutes. Avoid the sun as much as you possibly can.</td></tr></tbody></table>You can check the daily UV index for the day by downloading the <a href="https://www.epa.gov/enviro/uv-index-mobile-app" target="_blank" rel="noopener">UV Index Mobile App</a> or entering either your ZIP code or city and state on the <a href="https://www.epa.gov/enviro/uv-index-search" target="_blank" rel="noopener">UV Index Search</a>. You may also view a <a href="https://www.epa.gov/sunsafety/uv-index-1" target="_blank" rel="noopener">four-day UV Index Forecast</a> to plan your activities for the next few days. Aside from daily fluctuations, UV radiation changes intensity based on:<ul><li>Time of year: UV radiation <a href="https://www.epa.gov/sites/default/files/documents/uviguide.pdf" target="_blank" rel="noopener">peaks</a> in spring and summer and is lowest in the winter.</li><li>Location: UV is strongest at the equator and declines as you move toward the poles</li><li>Elevation: As you get higher in elevation, UV radiation gets stronger</li></ul><h2>Is there a safe UV index for tanning?</h2>When you're exposed to UV radiation, your body increases the production of melanin — the brown pigment that <a href="https://kidshealth.org/en/teens/tanning.html" target="_blank" rel="noopener">causes</a> tanning — to protect the skin. So by the time you actually see a tan, some damage to your skin has already occurred. "As a dermatologist, I would say it is never okay to tan," says <a href="https://wexnermedical.osu.edu/find-a-doctor/susan-massick-md-4575" target="_blank" rel="noopener">Dr. Susan Massick</a>, a dermatologist at <a href="https://wexnermedical.osu.edu/" target="_blank" rel="noopener">The Ohio State University Wexner Medical Center</a>.Massick adds that the safest UV index for being outdoors would be the lowest possible: &lt;2. But even if the UV index is at the lowest level, you still must protect your skin with sunscreen. In addition, those who resort to <a href="https://www.insider.com/guides/beauty/are-tanning-beds-safe" target="_blank" rel="noopener">indoor tanning beds </a>to avoid the sun's rays are actually most at risk of skin damage. The average sunbed emits UV radiation at an <a href="https://health.ec.europa.eu/scientific-committees/easy-read-summaries-scientific-opinions/health-effects-sunbeds-cosmetic-purposes-1_en" target="_blank" rel="noopener">index of 12</a> to <a href="https://pubmed.ncbi.nlm.nih.gov/12511047/" target="_blank" rel="noopener">13</a>, which is incredibly strong. Although data from 2018 shows that indoor tanning use in the US generally <a href="https://www.aad.org/media/stats-indoor-tanning" target="_blank" rel="noopener">declined</a> in recent years, about 7.8 million adults still use it today.If you really want to get a tan, opt for "sunless" tanning creams containing dihydroxyacetone (DHA), a sugar that <a href="https://www.jaad.org/article/S0190-9622(17)31647-X/fulltext" target="_blank" rel="noopener">interacts</a> with the proteins in your skin to produce a brownish pigment. It can give you a simulated tan without the risks associated with UV radiation.Note: While DHA is <a href="https://www.jaad.org/article/S0190-9622(17)31647-X/fulltext" target="_blank" rel="noopener">FDA-approved</a> for topical applications like cream or lotions, it is not approved for use in spray form — like at-home spray tans or misting from tanning booths — due to limited safety data. In fact, the use of DHA in aerosol spray form has been found to <a href="https://journals.lww.com/jdnaonline/fulltext/2018/01000/exposure_to_dihydroxyacetone_in_sunless_tanning.2.aspx" target="_blank" rel="noopener">cause</a> side effects like rashes, cough, dizziness, and fainting.<h2>Risks of tanning</h2>According to Massick and Wassef, tanning comes with a lot of risks, which include:<ul><li>Accelerated or premature aging</li><li>Fine lines and wrinkles</li><li>Brown spots</li><li>Skin cancer</li></ul>Excessive exposure to UV radiation — whether from sunlight or the use of <a href="https://www.insider.com/guides/beauty/are-tanning-beds-safe" target="_blank" rel="noopener">indoor tanning</a> — <a href="https://www.aad.org/media/stats-skin-cancer" target="_blank" rel="noopener">increases</a> the risk for all types of skin cancer. The best way to avoid the risks of tanning is to protect your skin from the sun. Here are some tips from Massick and Wassef:<ul><li>Apply a broad-spectrum, water-resistant sunscreen <a href="https://www.insider.com/guides/beauty/spf-meaning" target="_blank" rel="noopener">at least SPF 15 or higher</a> about 15 to 20 minutes before heading outside.</li><li>Re-apply sunscreen every 90 to 120 minutes when outdoors, especially if you're sweating or swimming. </li><li>Always seek shade.</li><li>Use hats, sunglasses, rash guards, and sun-protective clothing.</li><li>Avoid the sun during its hottest hours, which are usually from 10 a.m. to 3 p.m.</li></ul>"The more consistent you are with protecting your skin from the sun, the better off you'll be in preventing and avoiding the changes from cumulative sun exposure," Massick says.<h2>Best sunscreens</h2><div type="image" title="black woman sunscreen beach" height="900" width="1200" msid="94974086" hostid="261" sizebytes="59600"></div>For the best protection during all different times of the UV index, choosing the right sunscreen can be as important as applying it correctly. Here are some of <a href="https://www.insider.com/guides/health/best-sunscreen" target="_blank" rel="noopener">the best sunscreens we've tested</a> for all different skin types and tones: <ul><li>Best overall: <a href="https://affiliate.insider.com?u=https%3A%2F%2Fsupergoop.com%2Fproducts%2Feveryday-sunscreen" target="_blank" rel="nofollow noopener sponsored">Supergoop PLAY Everyday Lotion SPF 50, from $10 at Supergoop</a></li><li>Best facial sunscreen: <a href="https://affiliate.insider.com?u=https%3A%2F%2Fwww.amazon.com%2Fgp%2Fproduct%2FB004W55086" target="_blank" rel="nofollow noopener sponsored">La Roche-Posay Anthelios Ultra-Light Mineral Sunscreen SPF 50, $34.99 at Amazon</a></li><li>Best on a budget: <a href="https://affiliate.insider.com?u=https%3A%2F%2Fwww.amazon.com%2Fgp%2Fproduct%2FB00K3JQO9Y" target="_blank" rel="nofollow noopener sponsored">Thinksport's SPF 50+ Sunscreen, $16.79 at Amazon</a></li><li>Best spray-on: <a href="https://affiliate.insider.com?u=https%3A%2F%2Fsupergoop.com%2Fproducts%2F100-mineral-sunscreen-mist" target="_blank" rel="nofollow noopener sponsored">Supergoop Mineral Sunscreen Mist, $34 at Supergoop</a></li><li>Best waterproof: <a href="https://affiliate.insider.com?u=https%3A%2F%2Fwww.amazon.com%2Fgp%2Fproduct%2FB071JPLRP4" target="_blank" rel="nofollow noopener sponsored">Manda's SPF 50 Organic Sun Paste with Thanaka, $28 at Amazon</a></li></ul><h2>Insider's takeaway</h2>Overexposure to UV radiation can cause premature aging and skin cancer. To guide your daily activities and level of sun protection, make sure to check the UV Index of the day before going out."When it comes to tanning, any degree of UV exposure can damage the health of your skin," Massick says. "There is no such thing as the 'healthy glow' or 'sun-kissed' look from a tan."

What even is a UV index and the best numbers for basking in the sun, according to skin experts

<ul class="summary-list"><li>There is no safe or good UV index for tanning, since a tan indicates skin damage.</li><li>If you do want to tan anyway, use sunscreen and try to go on days with the lowest possible number.</li></ul>If you're hoping to get a tan (especially during the summer), you might want to know the best level of exposure to UV radiation to do so. However, it doesn't exist."There is no good UV index for tanning," says <a href="https://rutgershealth.org/provider/cindy-wassef" target="_blank" rel="noopener">Dr. Cindy Wassef</a>, assistant professor of dermatology at <a href="https://rwjms.rutgers.edu/" target="_blank" rel="noopener">Rutgers Robert Wood Johnson Medical School</a>. "There is <a href="https://www.fda.gov/radiation-emitting-products/tanning/risks-tanning" target="_blank" rel="noopener">no such thing as a safe tan</a>."If you still want to <a href="https://www.insider.com/guides/beauty/how-to-tan-safely" target="_blank" rel="noopener">get a sun-kissed tan</a> despite the risks — like premature aging and skin cancer — use sunscreen, reapply it frequently, and avoid the sun during its peak hours with help using the UV index.Here's what you should know about the UV index and how to protect your skin from the sun.<h2>How to use the UV index</h2>"The UV index rates the strength of ultraviolet rays coming from the sun on a scale of 1 to 11, with higher numbers indicating stronger ultraviolet radiation," says Wassef.Knowing the <a href="https://www.insider.com/guides/beauty/uv-index-scale" target="_blank" rel="noopener">UV index</a> forecast for the day can help guide your activity, clothing, and sunscreen choices, she adds.Here is the <a href="https://www.epa.gov/sites/default/files/documents/uviguide.pdf" target="_blank" rel="noopener">breakdown</a> of the UV index and the sun protection you need:<table style="border-collapse: collapse; width: 99.7452%; height: 287px;" border="1"><tbody><tr style="height: 22px;"><td style="width: 21.9745%; height: 22px;">UV Index Number</td><td style="width: 78.0255%; height: 22px;">Sun Protection</td></tr><tr style="height: 22px;"><td style="width: 21.9745%; height: 22px;">&lt;2 (Low)</td><td style="width: 78.0255%; height: 22px;">Wear sunglasses on bright days. Cover up and use SPF 15 or higher sunscreen if you tend to burn easily.</td></tr><tr style="height: 22px;"><td style="width: 21.9745%; height: 22px;">3-5 (Moderate)</td><td style="width: 78.0255%; height: 22px;">Take the same precautions like covering up and using sunscreen. Seek shade during midday hours to shield yourself from the sun.</td></tr><tr style="height: 22px;"><td style="width: 21.9745%; height: 22px;">6-7 (High)</td><td style="width: 78.0255%; height: 22px;">In addition to the measures above, wear a wide-brimmed hat, sunglasses, long-sleeved shirt, and pants.</td></tr><tr style="height: 22px;"><td style="width: 21.9745%; height: 22px;">8-10 (Very High)</td><td style="width: 78.0255%; height: 22px;">Take the same protections and be aware that skin can burn very quickly at this level. Stay inside during midday hours.</td></tr><tr style="height: 22px;"><td style="width: 21.9745%; height: 22px;">11+ (Extreme)</td><td style="width: 78.0255%;">Take all precautions possible because unprotected skin may burn in a matter of minutes. Avoid the sun as much as you possibly can.</td></tr></tbody></table>You can check the daily UV index for the day by downloading the <a href="https://www.epa.gov/enviro/uv-index-mobile-app" target="_blank" rel="noopener">UV Index Mobile App</a> or entering either your ZIP code or city and state on the <a href="https://www.epa.gov/enviro/uv-index-search" target="_blank" rel="noopener">UV Index Search</a>. You may also view a <a href="https://www.epa.gov/sunsafety/uv-index-1" target="_blank" rel="noopener">four-day UV Index Forecast</a> to plan your activities for the next few days. Aside from daily fluctuations, UV radiation changes intensity based on:<ul><li>Time of year: UV radiation <a href="https://www.epa.gov/sites/default/files/documents/uviguide.pdf" target="_blank" rel="noopener">peaks</a> in spring and summer and is lowest in the winter.</li><li>Location: UV is strongest at the equator and declines as you move toward the poles</li><li>Elevation: As you get higher in elevation, UV radiation gets stronger</li></ul><h2>Is there a safe UV index for tanning?</h2>When you're exposed to UV radiation, your body increases the production of melanin — the brown pigment that <a href="https://kidshealth.org/en/teens/tanning.html" target="_blank" rel="noopener">causes</a> tanning — to protect the skin. So by the time you actually see a tan, some damage to your skin has already occurred. "As a dermatologist, I would say it is never okay to tan," says <a href="https://wexnermedical.osu.edu/find-a-doctor/susan-massick-md-4575" target="_blank" rel="noopener">Dr. Susan Massick</a>, a dermatologist at <a href="https://wexnermedical.osu.edu/" target="_blank" rel="noopener">The Ohio State University Wexner Medical Center</a>.Massick adds that the safest UV index for being outdoors would be the lowest possible: &lt;2. But even if the UV index is at the lowest level, you still must protect your skin with sunscreen. In addition, those who resort to <a href="https://www.insider.com/guides/beauty/are-tanning-beds-safe" target="_blank" rel="noopener">indoor tanning beds </a>to avoid the sun's rays are actually most at risk of skin damage. The average sunbed emits UV radiation at an <a href="https://health.ec.europa.eu/scientific-committees/easy-read-summaries-scientific-opinions/health-effects-sunbeds-cosmetic-purposes-1_en" target="_blank" rel="noopener">index of 12</a> to <a href="https://pubmed.ncbi.nlm.nih.gov/12511047/" target="_blank" rel="noopener">13</a>, which is incredibly strong. Although data from 2018 shows that indoor tanning use in the US generally <a href="https://www.aad.org/media/stats-indoor-tanning" target="_blank" rel="noopener">declined</a> in recent years, about 7.8 million adults still use it today.If you really want to get a tan, opt for "sunless" tanning creams containing dihydroxyacetone (DHA), a sugar that <a href="https://www.jaad.org/article/S0190-9622(17)31647-X/fulltext" target="_blank" rel="noopener">interacts</a> with the proteins in your skin to produce a brownish pigment. It can give you a simulated tan without the risks associated with UV radiation.Note: While DHA is <a href="https://www.jaad.org/article/S0190-9622(17)31647-X/fulltext" target="_blank" rel="noopener">FDA-approved</a> for topical applications like cream or lotions, it is not approved for use in spray form — like at-home spray tans or misting from tanning booths — due to limited safety data. In fact, the use of DHA in aerosol spray form has been found to <a href="https://journals.lww.com/jdnaonline/fulltext/2018/01000/exposure_to_dihydroxyacetone_in_sunless_tanning.2.aspx" target="_blank" rel="noopener">cause</a> side effects like rashes, cough, dizziness, and fainting.<h2>Risks of tanning</h2>According to Massick and Wassef, tanning comes with a lot of risks, which include:<ul><li>Accelerated or premature aging</li><li>Fine lines and wrinkles</li><li>Brown spots</li><li>Skin cancer</li></ul>Excessive exposure to UV radiation — whether from sunlight or the use of <a href="https://www.insider.com/guides/beauty/are-tanning-beds-safe" target="_blank" rel="noopener">indoor tanning</a> — <a href="https://www.aad.org/media/stats-skin-cancer" target="_blank" rel="noopener">increases</a> the risk for all types of skin cancer. The best way to avoid the risks of tanning is to protect your skin from the sun. Here are some tips from Massick and Wassef:<ul><li>Apply a broad-spectrum, water-resistant sunscreen <a href="https://www.insider.com/guides/beauty/spf-meaning" target="_blank" rel="noopener">at least SPF 15 or higher</a> about 15 to 20 minutes before heading outside.</li><li>Re-apply sunscreen every 90 to 120 minutes when outdoors, especially if you're sweating or swimming. </li><li>Always seek shade.</li><li>Use hats, sunglasses, rash guards, and sun-protective clothing.</li><li>Avoid the sun during its hottest hours, which are usually from 10 a.m. to 3 p.m.</li></ul>"The more consistent you are with protecting your skin from the sun, the better off you'll be in preventing and avoiding the changes from cumulative sun exposure," Massick says.<h2>Best sunscreens</h2><div type="image" title="black woman sunscreen beach" height="900" width="1200" msid="93807049" hostid="261"></div>For the best protection during all different times of the UV index, choosing the right sunscreen can be as important as applying it correctly. Here are some of <a href="https://www.insider.com/guides/health/best-sunscreen" target="_blank" rel="noopener">the best sunscreens we've tested</a> for all different skin types and tones: <ul><li>Best overall: <a href="https://affiliate.insider.com?u=https%3A%2F%2Fsupergoop.com%2Fproducts%2Feveryday-sunscreen" target="_blank" rel="nofollow noopener sponsored">Supergoop PLAY Everyday Lotion SPF 50, from $10 at Supergoop</a></li><li>Best facial sunscreen: <a href="https://affiliate.insider.com?u=https%3A%2F%2Fwww.amazon.com%2Fgp%2Fproduct%2FB004W55086" target="_blank" rel="nofollow noopener sponsored">La Roche-Posay Anthelios Ultra-Light Mineral Sunscreen SPF 50, $34.99 at Amazon</a></li><li>Best on a budget: <a href="https://affiliate.insider.com?u=https%3A%2F%2Fwww.amazon.com%2Fgp%2Fproduct%2FB00K3JQO9Y" target="_blank" rel="nofollow noopener sponsored">Thinksport's SPF 50+ Sunscreen, $16.79 at Amazon</a></li><li>Best spray-on: <a href="https://affiliate.insider.com?u=https%3A%2F%2Fsupergoop.com%2Fproducts%2F100-mineral-sunscreen-mist" target="_blank" rel="nofollow noopener sponsored">Supergoop Mineral Sunscreen Mist, $34 at Supergoop</a></li><li>Best waterproof: <a href="https://affiliate.insider.com?u=https%3A%2F%2Fwww.amazon.com%2Fgp%2Fproduct%2FB071JPLRP4" target="_blank" rel="nofollow noopener sponsored">Manda's SPF 50 Organic Sun Paste with Thanaka, $28 at Amazon</a></li></ul><h2>Insider's takeaway</h2>Overexposure to UV radiation can cause premature aging and skin cancer. To guide your daily activities and level of sun protection, make sure to check the UV Index of the day before going out."When it comes to tanning, any degree of UV exposure can damage the health of your skin," Massick says. "There is no such thing as the 'healthy glow' or 'sun-kissed' look from a tan."

<div class="KonaFilter image-container display-table"><div><div class="image"></div></div></div><ul class="summary-list"><li>Goldman Sachs announced its 2019 class of managing directors, with 465 new promotes getting the nod.</li><li>Of the 465 promoted, 29% are women, and 34% identified as an ethnic minority or LGBTQ.</li><li>The firm announces managing-director promotions every two years.</li><li>It's one of the most coveted positions on Wall Street, a step below partner at the premier investment bank.</li></ul><a href="http://markets.businessinsider.com/stock/GS-Quote"> Goldman Sachs</a> just announced a new class of 465 managing directors, and millennials comprised nearly two-thirds of it. The promotions, which are announced once every two years and are among the most coveted on Wall Street, put recipients one step <a href="https://www.businessinsider.com/goldman-ceo-solomon-offering-buyouts-to-partners-shrink-senior-ranks-2019-9">below partner</a> at the prestigious investment-banking firm.The 2019 class is smaller than the record-setting class of 509 in 2017, but larger than the class of 2015, which had 425 new MDs.It's also one the youngest classes the bank has promoted - 62% are millennials, up from 44% in 2017 and <a href="https://www.businessinsider.com/goldman-managing-director-list-2015-11">30% in 2015</a>.Other headline stats about the class:<ul><li>66% started their careers as analysts or associates at Goldman Sachs, equal with 2017.</li><li>29% of the class is women, up from 24% in 2017.</li><li>34% of the identified as an ethnic minority or LGBTQ: 26% are Asian, 4% are black, 2% are hispanic/Latino, and 2% are LGBTQ. </li></ul><h2>Here's the full list of all 465 new managing directors:</h2>Rashid Abdalla Angela Abramian-Katz Meredith Adams Keren Adan Vikas Agrawal Mike Ahern Edward Ainsworth Danny Akerman Temidayo Akinola Aaron Albert Eyas Aldossari Marsha Alexander Daniel Alger Asad Ali Brendan Ames Dipam Amin Rebecca Anderton-Davies Junnosuke Ando Ash Ang Timothy Arblaster Kenan Arkan Patrick Armstrong Cameron Arrington Cindy Au Anne-Victoire Auriault John Aurre Frederick Baba Andrew Bailey Tanya Baker Victoria Baker-Duly Venkatesh Balasubramanian Nick Baltas Maria Barron Baratech Luke Barrs Robert Bartlett Dennis Beeson Angus Bell Bob Bengtson Kerryann Benjamin Jeff Bernstein Adam Berry Michel Beshara Justin Betzen Praveen Bhagavathula Peter Biggs Ersen Bilgin Nathan Bird Simon Birtwistle Barnali Biswal Brittany Boals Moeller David Bodenstein Vanessa Bogaardt Kevin Boova Andrea Bora Said Boujnah Jeff Boyd Rachel Boyd Glyn Braganza Joyce Brayboy Pierre Brunet Keith Brunini Steven Budig Francisco Cabeza Kimberly Carabetta Sarah Card Marie Cardoen Gloria Carreno Jonathan Carter Osmar Castellani Junior Lucia Catalan Federico Ceresole Jeffrey Chao John Chappell Yogesh Chati Frank Chen Selina Chen Hakim Cherrouk Christopher Yiu Chung Cheung Tak Cheung Siddharth Chhabria Liz Chick James Chilcott Jon Child Naveen Choppara Leonard Chung George Cole Greg Collett James Colletti Kevin Conniff Simon Constant Charles Corke Krystal Cowan Ben Coward-Talbott Nerissa Cumberbatch Ryan Cunn Nadim Daban Brook Dane Abigail Darby Michael Daub Bill Davis Christopher Dawe Jeffrey Dawkins Adam Dawson Philipp de la Chevallerie Camille de Lamotte Frederik De Neree Joaquin de Soto Dan Deighton Manuel Deijk Stefanie D'Elia Lena Demashkieh Michael Dente Philippe Derimay Bradley Diener Michel Dimitri Angelo Diotisalvi Natalia Dobrinskaya John Doherty Matthew Doherty Jerome Dortmans Hamish Douglas Crista Downey Andre D'Souza Alexander Dupont Brett Durick Tsuyoshi Egawa Gaudenz Eichenberger Nnaemeka Eke Bill Elfsten Abel Elizalde Russell Elliott Scott Epperson Robert Fama Meriem Feghoul Xinyi Feng Roger Fenningdorf David Fernandez Morgan Fitzpatrick Ryan Flanagan John Flood Kellan Florio Kerry Flynn Jeremy Follett Anneliese Foster Fabrice Francois Marissa Freund Anders Furuhed Sebastien Gagnon Timothy Galligan Francesca Gardner Raj Garigipati Brian Garrett Douglas Gilman Aaron Goldman Jeremy Goldman Sanyam Goyal Ricky Grant Steven Gray Jules Gruner Shao Ping Guan Anushka Gupta Sonia Gupta Arvind Guruprasad Itir Guvenc Mungan Raymond Haagen Andrew Haave Sylvia Hadjimamas Terry Hagerty Sharon Hall Jeff Haller Scott Hankey Sara Hanlon Tom Haraldsson Alex Harman Lauren Havens Ken Hayahara James Hayward Tom Healy Victoria Hegan Michael Heller Paula Hendrickson Evan Herring Schuyler Heuer Daniel Hibbert Andrew Hine Megan Hogan Yoomin Hong John Hooton George Horton Dan Howard Christine Hu Katie Hyde Nicole Irvin Ahmed Ismail Kumar Iyer Philip Jacob Raphaelle Jacquemin Rajan Jain Rich James Marene Jennings Kyle Jessen Natasha Jhunjhunwala Brandon Johnson Geddes Johnson Milind Joshi Sojin Jung Amy Jupe Michael Kagan William Kallop Jordan Kaufman Charlotte Keenan Maxime Kennel Aron Kershner Ronald Keung Eugene Khafizov Feroz Khosla Kieron King Tom Knott Simon Knowles Sarah Kong Scott Konicki Robert Koslow Kunal Koya Elisabeth Kozack Joanna Kozlowski Kristin Kramer Jason Kreuziger Daniel Krinsky Kristin Kuney Casey Laflamme Beyrouthawit Lakew Mikael Lang Mark Langham Francesca Lau Karmen Lau Victoria Ledda Adrian Lee Sara Lee Niall Leguillon Chip Lemkau Marie Claire Lennon Matthew Leskowitz Ryan Lester Curtis Leung Jacky Leung Giulia Lewandowski Christian Lhert Aihua Liang Chi-Yu Liang Mony Lim Nyan Lin Tobias Lindemann Jon Lindgren Ada Liu Adrian Loh Syida Long Lorenzo Pasquale Longo Alexandre Lucas Michelle Luk Amanda Lynam Chris Lyon Srivats Madhavan Alok Madhukar Devasish Majumdar Salome Makharadze Shun Manabe James Mann Todd Mansfield Corey Maple Ivan Martinez Farzad Mashayekhi Morad Masjedi Michael Mastropaolo Moe Matar Colin Mathews Ritesh Mathur Brooke Mayne Jordan McCallum Mark McCaskill Catherine McCormack Paul McGregor Andrew McLennan Brian McMahon Nehal Mehra Ramiro Menchaca Mark Midle Giuseppe Milicia Kristin Milot Yusuke Minowa Aric Mizrahi Sherry-Ann Mohan Stacy Mohr Mohammed Mohsinali Helen Moloney Matthew Mottram Richard Mulley Ken Murata Sarah Murray Usman Naeem Soumik Nandy Satish Narang Vijay Narayanan Jamil Nathoo Joseph Natoli Sean Navin Aziz Ndiaye Ryan Newman Sara Nielsen Eyal Nirenberg Quinn O'Bryen Joanna Obstoj Jackie O'Connor Nonso Ogbonna Laide Oginni Mari Oishi Scarlett Omar-Broca Enrico Orlandi Jean Otrakji Edouard Panie Francesco Papa Pratik Pareek Gemma Parrott Atul Pawar Arnaud Payement Yuriy Podoshev Mitesh Popat Matthew Popper Arnaud Porchet Nicole Poulson Joseph Pozzi Anant Prasad Frederic Pripp Chaitra Purushotham Benny Quek Conor Quinn Thomas Radberg Stephanie Raimo Kamal Ramnani Michael Rand Olivia Rascoe Jibraan Rasheed Varun Rastogi Seth Reagen Nikhil Reddy Adil Rehman Elaine Rene Salveen Richter Fabian Riedel Helen Rigley Joe Ritchie Ilan Rochman David Rockliff Pearl Rodrigues Mark Romanczuk Mairin Rooney Delia Rosoga Ranjith Roy Mark Ruffles Benjamin Runnacles Ashley Ryan Eric Ryckman Takeshi Saito Sushil Sancheti Neha Santiago Vijay Saraswat James Sarvis Christian Schaefer Heather Schuyler Katelyn Seager Gowri Sekar Chris Semones Vikram Sethi Hui Shan Adi Sharma Praharsh Sharma Nicole Sharp Inna Shaykevich Jenna Shen David Shih Michael Shin Aekloveya Shyam Haris Siddiqi Adam Siegler John Sienkiewicz Craig Singer Peter Smith Brian Snyder Tejas Sodha Doug Spencer Mark Spitzer Anushree Srivastava Christian Stassen Holger Staude Emily Stecher Becky Steinthal Samuel Su Vivek Sukhatme Danny Suwanapruti Andy Tai Stephanie Tan Kei Tanaka Jacky Tang Hekmat Tannous Michael Tarulli Luigi Tavella Archana Tayade Emma Taylor Lori Taylor Asher Teren Gurtaran Thethi Jonathan Thomas Neil Thomas Bryn Thompson-Clarke Todor Todorov Steven Torbeck Sidney Tordjman Stephen Tripi Clemens Tripp Michael Trokoudes Jason Tsang Christian Tschirdewahn Candice Tse Vicki Tung Mateo Ugas Alekhya Uppalapati Rucha Vaidya Steven Valentic Peter VanDeventer Kyle VanFleet Alexandre Virolle Christopher Volmut Neel Vora Danielle Walsh Jordan Walter Bingwen Wang Phyllis Wang Zac Wang Brandon Watkins James Weaver Deborah Wei* Steven Weiss Robert Whelan Andrew White Anna Whitlow Eva Maria Wiecko Liz Wilcockson Lennart Wilhelm Rob Williams Henry Willoughby Jim Wiltshire Maggie Wojcik William Wolcott Jean Xu Xiao-ou Kevin Xu Susan Yan Julien Yoo Wael Younan Laura Young Nick Young Ali Zaidi Kirill Zavodov Thilo Zeidler James Zhang Wanjing Zhang Yun Zhang <a href="https://www.businessinsider.com/intelligence/10-up-and-coming-fintechs-2019?IR=T&amp;itm_source=businessinsider&amp;itm_medium=ctgr_bii&amp;itm_term=ctgr_leadgen&amp;itm_content=finance&amp;itm_campaign=10-up-and-coming-fintechs-2019-2"></a>

Goldman Sachs' new managing-director list is out, and millennials dominated the class

<ul class="summary-list"><li>Type 1 <a href="https://www.businessinsider.com/category/diabetes">diabetics</a> need <a href="https://www.businessinsider.com/category/insulin">insulin</a> to survive. Due to drastic price increases, many <a href="https://www.businessinsider.com/insulin-price-fluctuation-conundrum-type1-diabetes-2019-1">diabetics are struggling to afford the lifesaving drug</a>. </li><li>In the past 15 years, insulin prices have tripled. There are only three manufacturers who make insulin and decide the price for insulin - their <a href="https://www.businessinsider.com/insulin-prices-could-be-much-lower-and-drug-makers-would-still-make-healthy-profits-2018-9">prices have risen</a> at the same rates.</li><li>The insulin supply chain, like other <a href="https://www.businessinsider.com/pharma-asks-for-rebate-reform-to-lower-drug-prices-at-senate-hearing-2019-2">pharmaceutical medications</a>, is extremely complicated and opaque, so the consumer cannot see where prices get set and where they change throughout the supply chain. </li></ul>Following is a transcript of the video.Narrator: Many people in the United States can't afford insulin. The average price for one vial of insulin is about $285. Most diabetics need two to four vials per month. But here's the thing. Insulin prices weren't always this high. "Inexpensive, easily accessible."Narrator: A Type 1 diabetes diagnosis was a death sentence before this life-saving discovery.Commercial: "The all-essential insulin."Narrator: Without insulin, an essential hormone that regulates blood sugar, your body can't regulate how much glucose enters your cells, and your cells starve. The medical researchers who patented their invention in 1923 wanted insulin to be affordable for even the poorest sufferers from diabetes. Sure, there have been major improvements.Commercial: "This new genetically-engineered insulin has two distinct advantages."Narrator: The most recent was about 15 years ago. Insulin's still an old drug. It's shocking that the price has increased so dramatically. When a drug has been on the market for enough time, its patent expires, ending its reign of market exclusivity and opening the door to generic competition. This should drive the prices down.Jeremy Greene: And what's happening with insulin is a real violation of our expectations, because this is an old drug that is now becoming inaccessibly expensive, long after its worth has been proven, and long after that cost of original innovation of these drugs has already been recouped.Narrator: There are only three manufacturers making insulin for the United States drug market and the prices of their competing products have risen at the exact same rate. Even though the manufacturers have said that they set their prices independently, this shouldn't happen in a competitive market. Even the newest variation of insulin has long been approved by the FDA. So you might think that some essential innovations happened in the past few years to warrant such a price increase, well think again.Nicholas Argento: The products that are out are not really new. They may have tweaked the manufacturing process and the like and they have better delivery pens and the like, but the increase in price has been astronomical.Narrator: So the product hasn't really changed, just the packaging and delivery. And the high prices have pushed people to crowdsource money, using sites like GoFundMe.Tan Mitchell: My son had started to not take his dosages as prescribed, because he knew we were struggling with trying to come up with the funds to get more insulin for him. We had not met the deductible.Narrator: A diabetic with a high deductible insurance plan could pay for months of insulin prescriptions out of pocket until their their insurance kicks in.Dylan Porteus: The part that was at the forefront of my mind was that I might die from this, I might not get what I need. The deductible was 5, 6 thousand dollars. Even with them covering half, six vials of insulin, they wanted $837.Narrator: So how are these skyrocketing prices determined? The manufacturers make the drug and set the price. This is part of the reason why insulin is so expensive. There's no limit to how high the price can be set, and they don't have to disclose how they set it. The manufacturers negotiate with Pharmacy Benefit Managers to be placed on PBM formularies in exchange for rebates. These rebates and negotiations also don't have to be disclosed. Formularies are a list of medicines that the PBM offers. The PBM negotiates on behalf of insurance companies, and the manufacturers give rebates to PBMs in exchange for lower placement on an insurance tier system. The lower placement usually leaves the patient with one option, as it's the most affordable. It's a good place for a brand to be, but it's not always great for the patient. It leaves them with one option, and that option might not even be what their doctor prescribed.Julia Lerner: It almost feels like insurance is working against us, in a way. I say, so I need X, and they only cover Y. Or I need a certain kind of insulin, and they just, they say that's tough, sorry.Greene: This is all wrapped in a web of secrecy.Narrator: Business Insider reached out to the three insulin manufacturers. and they each cited the complexity of the supply chain as a reason for their high list prices.William Cefalu: We think there are incentives at every level of the supply chain that facilitate or even encourage the high list price from the manufacturers, to the wholesalers, to the PBMs, to the health plans.Narrator: And at this point, it's safe to call what's happening an insulin crisis. So why isn't the FDA intervening?Lydia Ramsey: The FDA can't do anything around price. So the FDA can't say, "You have to charge $150 for this, "and you can't do anything different." That's just not how it works in the US. Other countries can have a little bit more sway.Narrator: The US does not regulate prices. So that's part of the answer. Insulin's expensive because it can be. There's no limit to how high the price can rise. The FDA regulates and approves drugs and grants patents. In the US, a patent excludes others from making an invention for a limited time, usually 20 years. Some critics think that manufacturers of insulin are abusing patents.Susan Collins: For insulin, a careful look is warranted to determine if minor modifications were used to just extend the patent protections and discourage competitors.Tahir Amin: What it becomes then is just the patent system has become strategy and defensive tool. How can I strategize to keep my competitors off? Forget about the patent system being about progressing the sciences and the arts, as the Constitution says. It's become a business strategy.Narrator: But patents aren't the reason why a generic insulin doesn't exist. Unlike chemical medications, like Advil and Zestril, there's no generic insulin.Ramsey: With a chemical drug, you have the same chemicals in it every single time. When it comes to a biologic-based drug, like insulin, that's a much more lengthy process. You have to figure out how to make living cells look and feel exactly the same as the original version.Narrator: The FDA approval process is lengthy and usually more expensive. In fact, out of all medicines in the US, there are currently only 17 FDA approved biosimilars. In 2016, a follow on biologic insulin, which is close to a biosimilar, was approved by the FDA. It was made by one of the three manufacturers, Eli Lilly, which didn't exactly add a new competitor, and it didn't really help the price decrease, which leads patients on their own to find another option.Lerner: Here's a group where people can go and say I don't have the supplies I need, and I really need help.Andrew Livingston: It's very surreal to live in the United States and to buy life-sustaining medicine on the black market, you know?Marina Tsaplina: You have a way to get it, somehow, somewhere. You have doctors who are giving their free samples away.Livingston: The endocrinologist I saw would just give me whatever free samples she had lying around. Tsaplina: You go to Canada and buy your insulin.Narrator: Recently, the public has been paying attention to the patient-led movement for affordable insulin.Elizabeth Rowely: We really wanted to see people living with it who truly understand it being a voice for change.Tsaplina: You don't know if you will have enough of a freaking liquid that your whole life depends on. You don't know if you have enough life. That's what being not sure if you can afford your insulin means.

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