Uncovered losses hurt U.S. small business in wake of 2017 storms: Fed

FILE PHOTO: The corner stone of the New York Federal Reserve Bank is seen surrounded by financial institutions in New York City, New York, U.S., March 25, 2015. REUTERS/Brendan McDermid/File Photo

By Reade Levinson

(Reuters) – Small businesses in the United States struggled with uninsured damages and lost revenue following a record-breaking year of hurricanes and wildfires, according to a Federal Reserve survey published on Tuesday.

The report by the Dallas, New York, Richmond, and San Francisco Fed banks examined 1,800 businesses with fewer than 500 employees in zip codes with disasters designated by the Federal Emergency Management Agency. It found, 40 percent of small firms in these areas had natural-disaster related losses, and 35 percent lost more than $25,000 in revenues.

The report paints a worrisome picture for local economies after a record-breaking year of weather and climate-related disasters that cost the United States an estimated $306 billion in 2017, the third-warmest year on record, according to the U.S. National Oceanic and Atmospheric Administration.

To see the report,  click here  .

“Small businesses are primary drivers of job growth and their ability to rebound from disasters is critical to regional economic recovery,” said Claire Kramer Mills, assistant vice president at the New York Fed.

Small businesses employ half of private-sector workers and are the primary creators of new jobs in the United States, according to a 2015 U.S. Census Bureau study.

The survey found last year’s storms hit minority communities particularly hard. Some 54 percent of Hispanic-owned firms in affected areas reported natural disaster-related losses, compared to 40 percent of White-owned firms and 35 percent of Black or African American-owned firms.

The storms hit lodging and retail businesses hardest. Some 52 percent of leisure and hospitality firms and 47 percent of retail firms in affected areas reported natural disaster-related losses, the highest shares of all industries.

Small and young businesses are especially vulnerable to extreme weather and other natural disasters compared to their larger counterparts. Financing options are limited: federal relief funds can take months to reach communities and few small business are insured against such storms.

The report found firms’ insurance holdings did not match the sources of their losses, which stemmed more from disrupted business than from damaged assets. Sixty-five percent of disaster-affected firms cited loss of power or utilities as the source of their losses. However, only 17 percent of affected firms had business disruption insurance at the time of the disaster.

Federal Reserve Bank officials who worked on the report said local governments can help bridge this insurance gap by helping business understand their vulnerabilities and purchase the relevant coverage beforehand.

(Reporting by Reade Levinson in New York; Editing by Lisa Shumaker and Nick Zieminski)

Travel snarled, power outages as storm bears down on U.S. Northeast

A woman walks during rain while the New York skyline and the One World Trade Center are seen from Exchange Place in New Jersey, U.S., March 7, 2018. REUTERS/Eduardo Munoz

By Jonathan Allen

NEW YORK (Reuters) – The second winter storm within a week crept into New York and surrounding states on Wednesday, with forecasters predicting intensifying snowfall that could snarl the evening commute as thousands remained without power from the last nor’easter.

Between 4 and 12 inches (10 and 30 cm) of snow were forecast for New York City and the surrounding suburbs in New Jersey and Connecticut through to Thursday morning, with wind gusts creating “near-whiteout conditions” for commuters, the National Weather Service said on Wednesday.

The storm will spread with varying degrees of intensity across the Northeast, from western Pennsylvania up into New England, and officials took precautions.

New York’s three major airlines reported a total of 1,431 canceled flights on Wednesday morning, about 40 percent of their normally scheduled flights.

All schools were closed in Philadelphia while schools across the region canceled classes or shortened the school day ahead of the storm, local news media reported. Schools stayed open in New York City.

This week’s storm was not forecast to have the hurricane-strength winds whipped up at times by the storm last week, but forecasters say strong gusts of 60 miles per hour (96.56 km per hour) and accumulated snow will still be enough to knock down more power lines.

Last week’s storm brought major coastal flooding to Massachusetts, killed at least nine people and knocked out power to about 2.4 million homes and businesses in the Northeast.

Some 100,000 homes and businesses in the region remained without power on Wednesday. A nor’easter is an East Coast storm in which winds blow from the northeast.

The governors of New Jersey and Pennsylvania declared states of emergency, giving them access to support from the U.S. government if needed.

The Amtrak passenger train service canceled some Wednesday trains between Washington and Boston, as well as some services in Pennsylvania, New York state and other parts of the Northeast.

The storm got off to an uncertain start in New York City, where the air was damp, and the odd stray snowflake could be spotted, but many early commuters saw no reason to unfurl the umbrellas stashed under their arms.

“I was expecting more than this,” Michelle Boone, 50, said as she waited for a bus to get to her job at a Manhattan homeless shelter. “I’m happy it’s not doing what they said it was going do. This evening could be different, though.”

(Reporting by Jonathan Allen in New York; additional reporting by Scott DiSavino in New York and Barbara Goldberg in Maplewood, New Jersey; editing by Scott Malone and Jonathan Oatis)

Flooded streets and evacuations as storm pounds Boston and U.S. Northeast

By Scott Malone

BOSTON (Reuters) – Seawater on Friday flowed onto some coastal streets around Boston, where businesses set up flood barriers and piled sandbags around their doors as a powerful storm threatened to flood pockets of the U.S. coast from Maine to Virginia.

Over 700,000 homes and businesses were without power in the U.S. Northeast, hundreds of flights were canceled at New York’s three major airports and Boston’s Logan International, and the federal government closed offices in Washington.

It was the second time this year that Boston streets, including areas around the Long Wharf and the rapidly developing Seaport District, flooded in a winter storm.

“It’s crazy. I guess this is sea-level rise in action,” said Bob Flynn, 38, who had stepped out from his work at Boston’s Children’s Museum to survey a partially submerged walkway along the city’s Fort Point Channel.

Heavy rains, extreme high tides and a wind-driven storm surge could combine to cause several feet of water to flow onto streets in coastal Massachusetts, with government and private weather forecasters warning of a repeat of an early-January storm that drove a couple of feet of icy seawater onto Boston’s streets. High winds gusting up to 60 miles per hour (97 kph) could also bring extensive power outages.

“The winds are going to keep on increasing and the seas are going to go higher and higher for the next three high tide cycles,” said Bill Simpson, a meteorologist with the National Weather Service in Taunton, Massachusetts. Floodwater surged in during high tide around 11 a.m. ET (1600 GMT), and forecasters warned that strong winds coming in off the ocean could keep levels high through the next two high tides.

Residents of coastal areas that regularly flood in storms, including the towns of Newburyport, Duxbury and Scituate had been encouraged to evacuate their homes and head to higher ground, said Chris Besse, a spokesman for the Massachusetts Emergency Management Agency.

He added that it is hard to predict where the storm will take its heaviest toll.

“It could be that the first high tide washes away dunes from one beach and the second washes away houses,” Besse said.

Sarah Moran, a 59-year-old mother of six, was fretting whether her family’s oceanfront home in Scituate, Massachusetts, south of Boston, would survive the storm.

“Every house south of mine has been washed away since the 1978 blizzard. That risk is part of the package – the house comes complete with ocean views, taxes, maintenance and risks,” she said in a phone interview from Burlington, Vermont, where she owns a catering business.

The National Weather Service had coastal flood watches and warnings in place from southern Maine through coastal Virginia, including New York’s eastern suburbs, and was also tracking a snowstorm heading east from the Ohio Valley that could drop significant amounts of snow in northern New York State. It forecast storm surges of up to 4 feet (1.2 meters) for eastern Massachusetts.

More than 700,000 homes and businesses were without power across the region, with the largest number of outages in New York, utilities said.

Federal offices closed on Friday in Washington, while dozens of schools throughout the region canceled classes. More than a quarter of flights into and out of New York’s three major airports and Boston’s airport were canceled, according to tracking service Flightaware.com.

Southern California was also facing weather dangers, with risks of rain-driven mudslides prompting mandatory evacuations ordered for some 30,000 people living near fire-scarred hills around the Santa Barbara coast.

(Reporting by Scott Malone; additional reporting by Barbara Goldberg and Gina Cherelus in New York and Steve Gorman in Los Angeles; editing by Phil Berlowitz and Jonathan Oatis)

Snowstorms shut down Ireland, Britain calls in army for hospitals

People walk along the street through the snow near Sterling Castle, Scotland, Britain, March 1, 2018. REUTERS/Russell Cheyne

By Conor Humphries and Elisabeth O’Leary

DUBLIN/EDINBURGH (Reuters) – Snowstorms shut most of Ireland on Friday and forced Britain to call in the army to help battle some of the worst weather seen for nearly 30 years.

After a blast of Siberian cold dubbed “the beast from the east”, southern Britain and Ireland were battered by Storm Emma that arrived from the south and blocked roads, grounded planes and stopped trains.

Overnight blizzards left snow drifts up to three feet (90 cm) deep across Ireland and Scotland. The storm knocked out Ireland’s entire public transport network, closing its airports and leaving roads “extremely dangerous,” the government said.

Women take pictures of a statue of horses that is frozen over in the city centre of Dublin, Ireland, March 1, 2018. REUTERS/Clodagh Kilcoyne

Women take pictures of a statue of horses that is frozen over in the city centre of Dublin, Ireland, March 1, 2018. REUTERS/Clodagh Kilcoyne

At the peak of the storm, over 100,000 homes and businesses were left without power. On Friday the Irish stock exchange was shut, as were all schools and most government offices as a status Red weather alert remained across most of Ireland.

“The country needs to more or less stay in hibernation today,” deputy prime minister Simon Coveney told state broadcaster RTE. “Hopefully we can continue to get through these freak weather conditions without tragedy.”

In Britain, a seven-year-old girl was killed in the far southwestern county of Cornwall after a car crashed into a house in icy conditions, the BBC reported. Dozens of passengers were stranded on trains overnight in southern England.

The army was summoned to help rescue hundreds of drivers stuck in the snow and to transport National Health Service workers. Roads and schools were closed and many flights canceled across Britain.

Weather conditions in Scotland, which initially bore the brunt of the Siberian cold front, improved slightly, but the authorities warned people not to travel on Friday and during the weekend.

DIGGING OUT SNOWBOUND ROADS

Around 30 vehicles were stuck on a road near Aberdeen, the local council said, with many other roads closed due to snow drifts. Residents of the Scottish border area were asked to help dig out roads where a number of motorists were stranded. Care workers in rural areas were moving around in tractors.

“In the current bad weather, I want to say thank you to everyone going the extra mile to keep our country moving – and to keep us safe,” British Prime Minister Theresa May said.

Airbus said its Filton plant in Bristol, which helps make wings for passenger jets, was closed on Friday due to the heavy weather.

Audit firm PwC estimated that the cost of insurance claims by consumers and businesses in United Kingdom to date as a result of the severe weather was at least 15 million pounds, though it was too early to forecast the final bill.

“We have already had over 8,000 road accidents in the past three days and this could increase significantly with more snow set to fall today,” said Mohammad Khan, head of PwC’s general insurance business in Britain.

Social media across the British Isles was dominated by the weather, as some mocked the authorities’ struggles to manage the snowfall while others showed near misses on slippery roads and people abandoning their cars.

People stand and watch rough seas as Storm Emma makes landfall in Dublin, Ireland March 1, 2018. REUTERS/Clodagh Kilcoyne

People stand and watch rough seas as Storm Emma makes landfall in Dublin, Ireland March 1, 2018. REUTERS/Clodagh Kilcoyne

In Dublin, which last saw a major snowfall in 2010, videos posted on social media showed people used bathtubs and baking trays as improvised sleds. Panic-buying of bread left shelves empty across the capital.

Snow and icy conditions continued to cause disruption in southern Europe too. In the Liguria and Emilia-Romagna regions of northern Italy, the weather forced the closure of key sections of major highways and paralyzed rail traffic.

Train service between major cities such as Genoa and Milan and Genoa and Turin, the three points in Italy’s north known as the industrial triangle, was either suspended or suffered from long delays because of ice.

Traffic on secondary, regional roads was backed up after vehicles were diverted onto them from closed highways.

(Additional reporting by Alistair Smout and Carolyn Cohn in London, Tim Hepher in Paris and Philip Pullella in Rome; editing by Mark Heinrich)

Storm barrels through U.S. Midwest with snow and frigid temperatures

Satellite image from the National Weather Service. 2-9-18

By Brendan O’Brien and Suzannah Gonzales

MILWAUKEE, Wis./CHICAGO (Reuters) – A major winter storm barreled into Chicago and Milwaukee early on Friday, dumping heavy snow and dropping temperatures well below freezing as it forced schools to close and threatened to leave travel at a stand still across the Midwest.

The storm system stretches from western Montana across the Dakotas and parts of Minnesota, Wisconsin and Illinois, and reaches as far east as southern Michigan. The storm could drop up to 14 inches (36 cm) of snow in some areas, the National Weather Service said.

Chicago was anticipating six to 12 inches of snow early on Friday morning with more snow expected over the weekend, according to the service’s weather forecast.

“The city is ready for this,” Chicago Mayor Rahm Emanuel said during a news conference about the city’s preparedness on Thursday. “Make no mistake though, this is a heavy snow, heavier than we’ve seen in a number of winters.”

City officials announced school closures in Chicago, Detroit and Milwaukee because of the weather.

Wind chill temperatures were expected to drop below 0 Fahrenheit (-18 C) in many areas across the region, and officials warned of limited visibility on roads.

Chicago’s O’Hare and Midway international airports canceled more than 200 flights on Thursday before the storm hit, and several airlines were also anticipating delays or cancellations.

United Airlines said on Twitter that waivers were in effect for snow-hit areas this week allowing travelers to change flights without charges, and Delta Air Lines offered to rebook flights on Friday for 18 Midwest cities.

Winter weather across the United States this week killed several people in accidents in the Midwest, including six in Iowa, two in Missouri and one in Montana, local media in those states reported.

(Editing by Peter Graff)

Thaw on the way in southern United States

National Weather Service High and Low Temperature Map 1-19-18

By Rich McKay

ATLANTA (Reuters) – Commuters in the southern United States will wake up to more frigid temperatures and slick roads Friday, but a thaw is expected by the weekend, forecasters say.

Many schools in Atlanta, northeastern Georgia and western North Carolina remained closed Friday after a mid-week storm dumped snow across the region, whipped up winds that snapped power lines and led to at least a dozen deaths.

Sub-freezing temperatures overnight left many roads with ice that is difficult for drivers to detect, but that’s expected to melt soon, said Laura Belanger, a meteorologist with the National Weather Service in Atlanta.

“We’re looking at a warm-up for the southeast and mid-Atlantic with daytime temperatures up in the 40s and 50s (Fahrenheit) and hitting the low 60s in some areas by Saturday,” Belanger said.

Areas as far north as Boston will inch up to the low 40s (Fahrenheit) but dip below freezing at night, she said adding, “This is still winter.”

Through the early morning hours, NWS freeze warnings remained in effect over much of the Deep South as far as Tampa, Florida.

The winter storm sent blasts of cold air as far south as Mississippi, Lousiana, Texas and Oklahoma.

In Houston, 22-year-old Cynthia Chavez said she walked on ice for the first time in her life on Wednesday, and fell on her second step.

“I was, like, coming out of our house and there was a little step and what I thought was water,” Chavez said by phone from Olde Towne Kolaches in Houston where she is a cashier. “Two steps and I was on my butt. At first, I was nervous but then I was like, ah, THIS is ice.”

More than 9 inches (23 cm) of snow have fallen this week in Durham, North Carolina, since Monday, with 7 inches (18 cm) or more in various places across southern Virginia, the NWS said.

In Virginia on Thursday, a six-year-old boy on a sled slid onto a road and was struck and killed by a car, CBS affiliate WDBJ-TV in Roanoke, Virginia, reported.

On Thursday in North Carolina’s Washington County, a 26-year-old man was killed when his vehicle went off a snowy road and overturned in a canal, officials said.

In Oklahoma, two people died on Wednesday in a fire apparently caused by the use of electrical space heaters, media reported.

(Reporting by Rich McKay; additional reporting by Brendan O’Brien in Milwaukee and Bernie Woodall in Fort Lauderdale, Fla.; Editing by Larry King)

Commuters in U.S. South face tough trek after deadly storm

Snow cover in the U.S. 1-18-18 - National Weather Service

By Rich McKay

ATLANTA (Reuters) – Commuters in the U.S. South faced frigid temperatures and dangerously slick roads on Thursday after a winter storm, responsible for at least eight deaths, thrashed the region with heavy snow and winds that snapped power lines.

Schools in New Orleans, Charlotte and Atlanta and across the region canceled classes on Thursday as winter weather advisories from the National Weather Service (NWS) remained in effect from eastern Texas to Florida and north into southeast Virginia.

“Motorists are urged to use extreme caution, or avoid travel if possible,” the NWS said in an advisory, warning that freezing temperatures would keep roads icy.

Wind chill advisories were in effect as temperatures will feel like they have fallen below zero Fahrenheit (-18 degrees Celsius) in parts of the Carolinas, Alabama and Virginia.

More than 14,000 households and businesses in North Carolina and Louisiana and in various parts of the South were without power early on Thursday, utility companies said online.

The governors of Georgia, North Carolina and Louisiana declared states of emergency because of severe conditions that made traveling treacherous.

“We cannot stress it enough for everyone to stay off the roads unless you have no choice,” North Carolina Governor Roy Cooper said in a statement, adding the storm had caused 1,600 traffic accidents.

More than 9 inches (23 cm) of snow have fallen in Durham, North Carolina since Monday, with 7 inches (18 cm) or more measured at various locations across southern Virginia, the NWS said.

The storm has caused at least eight deaths.

In Austin, Texas, a vehicle plunged more than 30 feet (9 meters) off a frozen overpass on Tuesday, killing a man in his 40s, Austin-Travis County Emergency Medical Service said on its Twitter feed.

An 82-year-old woman who suffered from dementia was found dead on Wednesday behind her Houston-area home, likely due to exposure to cold, the Harris County Sheriff’s Office said. Another woman died from cold exposure in Memphis, police said on Twitter.

In Georgia, two people were fatally struck by a car that slid on an ice patch near Macon, local media reports said.

A man was killed when he was knocked off an elevated portion of Interstate 10 in New Orleans and an 8-month-old baby died in a car crash in suburban New Orleans, local news reports said.

A woman died in West Virginia in a car crash, local reports said.

(Additional reporting by Brendan O’Brien in Milwaukee; Editing by Edmund Blair and Bernadette Baum)

Flights canceled, schools closed across snowy U.S. South

Snow falls through a picture frame in the Boston Public Garden during a winter storm in Boston, Massachusetts, U.S., January 17, 2018.

By Gina Cherelus

(Reuters) – A bitter winter storm gripped much of the South on Wednesday, prompting schools to close and causing thousands of flight delays and cancellations as snow, ice and record-breaking cold hit the region.

The storm led to a least one death when a vehicle in Austin, Texas, plunged more than 30 feet off a frozen overpass late on Tuesday, killing a man in his 40s, Austin-Travis County Emergency Medical Service said on its Twitter feed.

Winter weather advisories were in effect from the Northeast to the Mid-Atlantic states and Southeast, as well as over the central Gulf Coast of Texas, according to the National Weather Service (NWS). Winter storm warnings were also in effect for portions of the Carolinas, southern Virginia and the New England area.

More than 360 outgoing flights at Atlanta’s Hartsfield-Jackson International Airport were canceled or delayed on Wednesday, according to Flightaware.com, and another 60-plus were canceled or delayed at the Raleigh-Durham International Airport.

The governors of Georgia, North Carolina and Louisiana declared states of emergency due to severe winter weather conditions, which caused multiple car accidents during rush-hour traffic, officials said.

NWS meteorologist Dan Petersen said snowfall in central and north Georgia had ended, and the arctic cold front would now bring snow, frigid temperatures and frozen roadways across central North Carolina on Wednesday.

“The rain in central North Carolina will eventually turn into snow later today and is predicted to dump 6 to 8 inches of snow over central North Carolina and about 1 to 3 inches over east North Carolina,” he said.

North Carolina Governor Roy Cooper warned at a news briefing that cold temperatures Wednesday night would make travel conditions even more hazardous.

“The snow is pretty, but don’t be fooled,” Cooper said.

In Houston, the nation’s fourth most populous city, most freeways were closed on Wednesday morning after icing over, the city’s Office of Emergency Management said.

“Not a good idea to be out on the roads. Conditions are still unsafe,” the Texas Department of Transportation Houston Division said on its Twitter feed.

New Orleans had record-breaking cold temperatures Wednesday morning with 20 degrees Fahrenheit in the area, beating its previous record 23 degrees set in 1977, according to the NWS. Hattiesburg, Mississippi, also broke temperature records with 12 degrees Fahrenheit on Wednesday, beating its 14 degrees also set in 1977.

(Reporting by Gina Cherelus in New York and Jon Herskovitz in Austin, Texas; Editing by Colleen Jenkins and David Gregorio)

Erie, Pennsylvania pummeled by record 5 feet of snow

A general view of 1925 State Street after the record snowfall in Erie, Pennsylvania, U.S., December 26, 2017 in this picture obtained from social media.

(Reuters) – Snow piled up in Erie, Pennsylvania, on Wednesday after two days of record-breaking snowfall that had already surpassed 5 feet (1.5 meters), breaking city and state records, according to the National Weather Service.

Though residents are used to winter snow squalls blowing in from adjacent Lake Erie, which straddles the border with Canada, the Christmas storm is already one for the ages.

“This is an incredible amount of snow that we’re trying to move,” the Erie Police Department said in statement after the city declared a “snow emergency” on Tuesday, imploring people to stay off the streets.

By Tuesday evening, meteorologists had counted at least seven different city and state records broken by the storm.

The 34 inches (0.86 meters) that fell on Christmas Day alone was a new record for any single day in Erie, handily beating the 20-inch record set back in 1956, the National Weather Service said.

And the storm broke a 59-year-old record for two-day snowfall recorded anywhere in Pennsylvania, totaling 58 inches when Tuesday’s barrage was added and beating the 44-inch record set in Morgantown in 1958.

Another two to four inches of snow were forecast for Wednesday, with up to 6 inches in some places.

No residents of Erie, a city of 99,000 people according to recent U.S. census estimates, have been publicly reported as being injured in the storm, though some have complained to local news outlets about how long it takes to shovel out their driveways this week.

Pennsylvania Governor Tom Wolf deployed 21 Pennsylvania National Guard troops along with some all-terrain military vehicles to the region on Tuesday to help residents dig out, check on people’s well-being and transport emergency responders around the area.

(Reporting by Jonathan Allen in New York; Editing by Steve Orlofsky)

Lighter winds early this week may help battle against California wildfire

Firefighters keep watch on the Thomas wildfire in the hills and canyons outside Montecito, California, U.S., December 16, 2017.

By Chris Kenning

(Reuters) – Lighter winds expected in California early this week should help firefighters in their battle against one of the largest and most destructive wildfires in the state’s history, the National Weather Service has said.

By late on Sunday, more than 8,500 firefighters had contained about 45 percent of the fire in Southern California. Dubbed the Thomas fire, it began Dec. 4 and has scorched 270,000 acres (109,000 hectares) along the scenic Pacific Coast north of Los Angeles.

Its size is approaching that of the 2003 Cedar blaze in San Diego County, the largest wildfire in state history, which consumed 273,246 acres and caused 15 deaths.

While wind and low humidity will still create dangerous fire conditions, “improving weather conditions should allow firefighters to make progress on the fire” on Monday and Tuesday, the National Weather Service said on Twitter.

Officials said calmer winds also helped make Sunday one of their most productive days yet battling a blaze that has been fueled by fierce Santa Ana winds sweeping in from eastern California deserts.

“We’re just hoping to make it home for Christmas,” Bakersfield Fire Department Captain Tim Ortiz said Sunday at a recreation center in Santa Barbara serving as a staging area and base camp for more than 3,000 firefighters.

The fire has destroyed more than 1,000 structures and threatened 18,000 others. Centered less than 100 miles (160 km) northwest of downtown Los Angeles, it has forced more than 104,000 people to evacuate or seek shelter.

On Sunday firefighters paid their respects during a funeral procession for Cal Fire engineer Cory Iverson, 32, who died of smoke inhalation and burns on Thursday while battling the flames near the Ventura County community of Fillmore.

Firefighters lined spots along the procession route that ran from Ventura County to his home near San Diego.

So far it has cost $123.8 million to battle the Thomas fire, which has forced many schools and roads to close for days and created poor air quality throughout southern California.

“I’ve seen people who have lost everything,” said Larry Dennis, 60, who sought refuge at a Ventura shelter Sunday after the blaze inundated the region with smoke and turned nearby hillsides red. Several areas of Ventura and Santa Barbara counties also saw evacuation orders lifted Sunday, Cal Fire said.

Five of the 20 most destructive fires in recorded history have ravaged the state in 2017, according to Cal Fire. The cause of the Thomas fire remains under investigation.

(Reporting by Chris Kenning; Editing by Raissa Kasolowsky)