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Why You Got Ghosted After An Interview (And What To Do Now)

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You nailed the interview, or at least you thought you did. Days turn into weeks, and all you hear is…silence. If you’ve ever been ghosted after a job interview, you’re not alone. While it’s frustrating and can leave you second-guessing everything, there are often hidden reasons why employers go radio silent.


It’s Not You, It’s Them.

If you’ve been ghosted after an interview, putting in a ton of work during the interview process—perhaps even attending and acing five interviews and putting 40 hours in on a special project—what that’s telling you is that there’s something happening on the employer’s side.

You didn’t do anything wrong. They are struggling to decide if hiring someone for the position is something they need. Do they have the money for it? Is this the direction they want to go in? Unfortunately, many companies list job postings and conduct interviews in order to figure out what they actually need in a candidate—what they actually need to do next in the work. It’s just the reality.

I know that’s hard to hear, but just because you’ve been ghosted doesn’t mean you can’t keep that relationship with the employer going. Here’s what I would do if I were ghosted after an interview…

Stay On Their Radar By Sending A Helpful Resource

Woman on laptop emails an employer after realizing she's being ghostedBigstock

The employer knows you invested a lot of time and effort into interviewing with them, and when they realize they can’t hire you now, they don’t know what to say to you. So they ghost you. And I know you’re thinking, “Why can’t they do the right thing and just tell me what’s going on?” But let’s give them the benefit of the doubt.

Instead of sending them another follow-up email asking about the job, I want you to try a cool technique. Find a really good article or video that talks about a pain you’ve discussed through this interview process. If you’ve done your homework, you know what their pain points are. You know exactly what’s broken and, specifically, what’s costing them money, what’s making them lose money, or why they’re failing to make more money. You need to tie yourself to the money. That’s the only way they can justify hiring you.

So, find an article or video about that and send a message to them. Do not ask about the job. Just message them and say…

“Hey, I saw this article/video and it immediately made me think about our conversations. Thought you all would find it helpful. Hope you’re having a great week!”

That’s it. Now the employer is thinking, “Wait. This person isn’t asking about the job. Have they taken another job? What’s going on?” Unfortunately, it’s a little bit like the psychology of dating.

When you send an employer a message with a helpful resource, you’re showing your professionalism. You have no hard feelings, and you still want to keep the relationship going. You’re still thinking about them in terms of value. When you do this instead of asking about the job again, it’s incredible how you suddenly get a response.

So many of my clients who are getting ghosted after an interview use this strategy, and the employer immediately responds to them. All of a sudden, they have an update about the job and they’re telling them where they’re at.

It’s unfortunate how common it is to get ghosted by employers after one or more job interviews. But by sharing a helpful article or video without inquiring about the job, you’re going to keep that relationship going. If you’re currently getting ghosted by an employer, try this strategy today.

Good luck! Go get ’em.

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7 strategic cyber steps for the Chief Underwriting Officer | Insurance Blog

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Cyber is an expanding net-new growth area with opportunity to deliver a compelling insurance offering especially in the mid-market. Yet, the path to becoming a market-leading and profitable cyber insurer is fraught with challenges. In this article, we outline the essential strategies to develop a top-tier cyber offering, culminating in a guide to the 7 strategic cyber steps for the Chief Underwriting Officer. 

Why cyber in the mid-market has unique challenges to mitigate

The cyber risk landscape is evolving so rapidly that insurers need a robust framework to for example enable continuous data-led learning from previous claims, deliver a seamless quote and bind process, and to mitigate unintended risk aggregation. 

While the SME market will typically purchase standard cyber coverage direct and online, the mid-market consists of companies that are serviced by brokers and agents. These companies require insurers to possess both foundational and advanced capabilities to effectively address the unique challenges of cyber risk in the mid-market. The key challenges that are unique to cyber in the mid-market are as follows: 

Transparency and clarity for brokers and agents: As the mid-market is predominantly serviced by brokers and agents, it’s crucial that the insurer’s risk appetite and underwriting approach are transparent. Whether the insurer offers a dedicated cyber broker portal or utilizes existing portals for multiple lines of business, the key is to have a transparent risk appetite and to make it seamless for brokers to compare quotes and to place business. Additionally, it is imperative to turn around accurate quotes on a same-day basis. 

Need for both standard and bespoke policies: The mid-market consists of companies that purchase both standard and bespoke policies. Insurers therefore need to be able to quickly turn around changes to policy terms, changes to exclusions, or a different mix of higher deductibles or sub-limits. Some mid-market companies have sophisticated requirements on risk mitigation, prevention and incident response planning. For large mid-market customers there can be a need for in-depth exposure analysis to design the right insurance coverage.  

Significant amounts of data: Whilst no more than four data points are required from an SME customer for a standard cyber policy (name, industry, revenue, and the customer’s website), far more data points are required by mid-market customers. Some data points can be obtained through open APIs and structured data intake from brokers, but the higher complexity of the risk, the higher the likelihood is for the relevant data points to arrive in unstructured documents. 

Establishing a robust digital infrastructure for cyber insurance

Cyber insurers need foundational capabilities across distribution, quote, and bind to ensure a seamless business process. The operating model begins and ends with being focused on the customer and broker experience. Whether insurers choose to organise themselves according to the customer segment (e.g. a mid-market Center of Excellence servicing all lines of business) or according to the lines of business (e.g. a specialized one-stop-shop cyber team cutting across distribution, underwriting, and claims), it is important that this is a conscious choice made at the C-level. 

All customers, irrespective of whether they purchase cyber insurance, should quantify their cyber risk and define their key cyber risk scenarios as part of their incident response planning. If they do not, they are running an unknown and potentially significant risk through the balance sheet. Some insurers may choose to invest in risk scenario capabilities, whereas others will rely on brokers or outsource to cybersecurity experts. The capabilities required for an in-depth exposure analysis is similar to what some insurers offer in a cyber saferoom that provides a secure space for pre-incident advice and training, cyber stress-testing, cybersecurity readiness verification tools, detection and response solutions, incident response planning, notification services and embedded claims services. 

A key foundational capability for cyber is a strong digital core and master data management that is fit-for-purpose. Insurers require strategic tools like a robust digital core and fit-for-purpose master data management to perform detailed exposure analysis at the quote stage. These tools facilitate granular risk accumulation and establish a framework for measuring and understanding aggregated cyber risk exposure based on various parameters, including industry sector, underlying hardware and software, cybersecurity maturity, supply chains, jurisdiction, and company size. A detailed exposure management framework is crucial for effectively mitigating the risk of unintended risk aggregation. 

Building advanced market leading cyber capabilities

A critical component to becoming a market-leading cyber insurer is that the technology and data capabilities must be architected to work at scale and in real-time. Cyber insurance is among the most challenging sectors due to the potentially catastrophic and boundary-less nature of breaches. Cyber incidents can be continuously evolving and unpredictable, akin to oil spillages, and can critically impact businesses, societies, and essential infrastructure like hospitals, water and sewage systems, and airports. Today, the potential for insurers to face unintended risk aggregation is a clear and present threat. 

As mentioned above, significantly more data points need to be captured and modelled at the quote and bind stage for mid-market cyber policies. Additionally, at first notice of loss, there can be hundreds of relevant data points, which is far more than for example with a motor claim, where insurers typically capture 20-30 data points that are motor specific (vehicle details, purpose of use, witness details, IoT data etc.). For a cyber claim there are more than 100 data points that can be relevant for the continuous learning and refinement that feeds into exposure management, the actuarial tables, and the risk controls in the underwriting system. This in turn is what enables a market-leading insurer to remain profitable through a robust framework around risk appetite and pricing.  

As previously covered, there is a scarcity of cyber talent with deep proficiency in cybersecurity protocols and a deep understanding of the constantly evolving regulations and legislation across IT, AI, GDPR, and consumer privacy. Whilst investing in talent and continuously upskilling underwriters and claims adjusters, there are high-impact use cases in cyber insurance for AI and Gen AI solutions. We have seen AI and Gen AI save underwriters tens of hours a month and empower them to only spend their time on niche and hazardous risk areas that require deep human expertise.  

Insurers with a strong digital core can move quickly on accelerating profitable growth in cyber, but most insurers are coming to the realization of the investments needed to implement AI and Gen AI at scale. Per Accenture’s Pulse of Change research, 46% of insurance C-suite leaders say it will take more than 6 months to scale up Gen AI technologies and take advantage of the potential benefits. If applications and data are not on the cloud, and if there is not a strong security layer, then benefiting from Gen AI at scale is virtually impossible. 

The 7 strategic cyber steps for the Chief Underwriting Officer

In today’s rapidly evolving technology landscape, Chief Underwriting Officers face the critical task of steering their organizations through the complexities of cyber insurance. The following strategic steps are a roadmap for insurers to not only survive, but thrive in this challenging environment: 

  1. Define your identity in cyber insurance: Decide whether you want to be a conservative insurer, a fast follower, or a market leader. This choice will guide your investments and emphasize cyber as a core part of your business. 
  2. Establish your cyber brand: Determine your signature offering in cyber insurance, whether it’s leading-edge risk consulting, competitive pricing, AI-powered and streamlined processes, or a strong reputation in claims service. 
  3. Opt for specialization: Choose between establishing a dedicated mid-market Center of Excellence (CoE), a cyber-specific CoE, or a hybrid operation model. 
  4. Enhance responsiveness: Transform or deploy new capabilities to deliver accurate quotes within a few hours. 
  5. Refine underwriting practices: Decide on the optimal number of underwriting variables for technical pricing. Reverse-engineer your processes to capture essential data at the broker submission and claim notification stages. 
  6. Assess cyber exposure management: Engage external experts to evaluate your cyber exposure management helping to avoid unintended risk aggregation. 
  7. Invest in talent: Focus on a talent strategy that enhances skills and integrates advanced technologies like AI and Gen AI to keep pace with the evolving cyber risk landscape. 

Measuring the path to being a cyber market leader

Designing and executing a leading framework for cyber insurance presents significant challenges. A crucial aspect involves defining success, establishing metrics for measurement, and determining the necessary actions to achieve these goals. Continuously monitoring financial and operational metrics is essential for timely adjustments, ensuring the capture of profitable growth in the cyber mid-market. For further discussion, please contact Carmina Lees and Matthew Madsen 

Until Dawn Film Debuts Next Year

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Despite stumbling with the remake, it seems Supermassive Games‘ Until Dawn is getting a new form of life as the film adaptation wraps up filming and eyes a mid-2025 debut. The film was revealed earlier in the year.

Sony’s Screen Gems dated the film for April 2025, as reported by Deadline. Filmmaker David F. Sandberg directs while Gary Dauberman and Blair Butler inked the script. This take on the psychological horror stars Ella Rubin, Michael Cimino, Ji-young Yoo, Belmont Cameli, Odessa A’zion, Maia Mitchell, and Peter Stormare.

Beyond the film, though, we also have reports of Sony tapping Firesprite to develop a sequel to the 2015 hit.



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Amzazing gadgets:iphone/USB charger plug smart gadget home appliances good thing amazon finds tiktok

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😍This is very helpful for multiple wires. It can save you lots of space. Go get this hack!
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Blockchain Life 2024 in Dubai: A Legendary Gathering of Market Insiders Ahead of the Bull Run – GlobeNewswire

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Blockchain Life 2024 in Dubai: A Legendary Gathering of Market Insiders Ahead of the Bull Run  GlobeNewswire

KeyCorp Q3 GAAP results hurt by portfolio repositioning, adjusted EPS beats

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KeyCorp Q3 GAAP results hurt by portfolio repositioning, adjusted EPS beats

Numbers To Know: Is The Fed Having Second Thoughts About Rate Cuts?

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Inflation, combined with September’s strong jobs report, suggests that the Fed might be rethinking how quickly to cut the Federal Funds Rate, says Windermere’s Principal Economist Jeff Tucker.

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Today’s number you should know: 2.4 percent.

That’s the annual CPI inflation rate in September, meaning how much the Consumer Price Index climbed from one year ago. This was a step down from 2.5 percent in August, but it didn’t drop as much as the consensus forecast, which was expecting 2.3 percent.

Another data point is the implied annual rate of inflation based on the monthly change: 2.2 percent. You can see that it’s been more volatile, including some overheating back in Q1, but in general, it’s been cool enough to bring annual inflation down.

Inflation has had a long, rocky path downward since it peaked at 9.1 percent in summer 2022. This is another step in the right direction, but it’s still a little concerning that it’s not dropping faster.

Combined with the strong September jobs report I discussed last week, that means the Fed might be having second thoughts about how quickly they need to cut the Federal Funds Rate, especially after they started it off with a bang by cutting half a point in September. 

Now, there’s even some discussion of the Fed pausing on rate cuts at their next meeting in November.

In the meantime, the combination of renewed labor market strength and a slower cooldown in inflation is enough to push up long-term yields, like mortgage rates, which brings me to the other number to know right now: 6.64 percent.

That’s where the 30-year mortgage rate stood on Friday, Oct. 11, according to Mortgage News Daily. It’s up about half a point from where it stood one month ago, though it’s still down about 1 full point from where it was at this time last year.

Looking ahead, for mortgage rates to resume falling, we probably need either some reassuring data showing inflation cooling down or need to see more signs of labor market deterioration — or both. Interest rates went up so much because the economy was running hot, arguably overheating, for a couple of years, so now markets need to see more convincing evidence of a cooldown to get us out of that high-rate environment.

Jeff Tucker is the Principal Economist for Windermere Real Estate in Seattle, Washington. Connect with him on X or Facebook. 



Love them or hate them, Terrifier creator Damien Leone says two more movies are probably happening

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Joker: Folie à Deux might be getting clowned on at the box office, but another clown is having a ball meanwhile. Terrifier 3 is killing it as we speak (given its minuscule $2 million budget), and according to creator Damien Leone, two more flicks are on the cards.

Following solid reviews and a $28 million worldwide haul so far, it’s not strange to see Art the Clown popping up on our feeds time and again. Of course, all this buzz has led to more interviews with creator Damien Leone, and to the surprise of no one, Terrifier 4 is in the works. The shock, however, is that he’s not planning to keep the slasher horror series around for as long as it prints money.

DiscussingFilm shared the news, with Leone saying he’d “love to see him in space or go to Las Vegas or the Wild West. But I can’t imagine it going past two more movies.” Maybe those are the first teases worth paying attention to if you’re a Terrifier fanatic.

“For me, personally, as a storyteller, I think that my well is going to eventually run dry, plainly because I pack so much into each movie,” he added. While it seems that Terrifier is only getting started as a mainstream horror franchise, Leone would rather bow out before its popularity runs out, which isn’t a very common thing to hear from a creative behind a successful horror movie series.

Leone later went on to explain how he looks at runtimes after criticisms that perhaps Terrifier 2 went on for too long and Terrifier 3 could stand some trimming: “At least the majority of fans would rather have a 90-minute movie. If that’s the case, then I would probably split them up into, say, two more movies.” Again, notice how he’s already looking at wrapping it all up sooner rather than later.

With Halloween coming up, Terrifier 3 is probably going to have a solid run throughout the second half of October unless Smile 2 (which is getting surprisingly good reviews) completely takes over the horror flick conversation starting tomorrow.

Oh, and there’s an ultra-gory, arcade-ish Terrifier beat ’em up coming next year too.





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FTC ‘Click to Cancel’ Rule Aims to Make Canceling Subscriptions Easier

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The Federal Trade Commission (FTC) has announced a final “click to cancel” rule that aims to simplify the process of ending subscriptions and memberships for US consumers.


The new rule will require businesses to make cancellation processes as straightforward as sign-up procedures, and companies will be prohibited from forcing customers to use chatbots or speak with agents to cancel subscriptions that were originally initiated online or through an app. For memberships started in person, businesses must offer cancellation options by phone or online.

In a statement accompanying the Commission’s press release, FTC Chair Lina M. Khan said: “Too often, businesses make people jump through endless hoops just to cancel a subscription. The FTC’s rule will end these tricks and traps, saving Americans time and money. Nobody should be stuck paying for a service they no longer want.”

The rule will apply to almost all negative option programs across all media. It also requires sellers to provide clear information before obtaining billing details and to secure informed consent for negative option features prior to charging customers.

The move follows a significant increase in consumer complaints about subscription practices, according to the FTC. In 2024, the government agency received an average of nearly 70 complaints per day related to negative option and recurring subscription issues, up from 42 per day in 2021.

The Commission voted 3-2 to approve the final rule, with two Republican commissioners opposing it. Some initially proposed measures were dropped, including requirements for businesses to send annual reminders about recurring charges. The new regulation is set to take effect 180 days after publication in the Federal Register.

The regulation is part of the FTC’s efforts to modernize its 1973 Negative Option Rule and address unfair practices, and follows recent legal actions against major companies like Amazon and Adobe over their subscription practices.



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A Fine Line Between A Life-Saving Measure And Forced Displacement – EJIL: Talk!

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According to media reports, Israeli Prime Minister Benjamin Netanyahu is proposing to force Palestinian civilians out of northern Gaza and declare a ‘closed military zone’. Likud MP Avichai Boaron told The Guardian that ‘the IDF will evacuate all the civilians who are in the north of Gaza, from the border to the Gaza River’, on the basis that ‘[w]hen the civilians population has left, you can find and kill all the terrorists without harming the civilians’.

Evacuations are a common practice in armed conflicts, serving as an indispensable means to temporarily move people away from hostilities to protect them from harm. However, evacuations can also expose evacuees to significant risks. During active conflict, they are not only a dangerous undertaking but also displace people from their homes, exposing them to additional risks associated with displacement.

Netanyahu’s plan offers a timely opportunity to reflect on how international law regulates the evacuation of civilians during armed conflicts. This post demonstrates that while international humanitarian law (IHL) permits and, in some cases, requires the evacuation of civilians, forced evacuations are only justified under strict conditions.

The duty to evacuate

The duty to evacuate people in armed conflicts is well-established in IHL. It is conceptually rooted in the general obligations of parties to armed conflicts to take precautionary measures to avoid or minimize harm to those protected under IHL. Within the categories of ‘protected persons’, civilians are likely the largest group requiring evacuation. Article 58 of Additional Protocol I obligates parties to a conflict to evacuate civilians from areas near military objectives.

However, the duty to evacuate is not absolute. It does not apply when it is neither feasible nor safe to evacuate people.

First, parties are not expected to evacuate individuals when it is objectively impossible to do so. This limitation is reflected in article 58 of Additional Protocol I. The feasibility of evacuation depends on both the responsible actors’ ability to conduct safe evacuations and the prevailing military context. As Biggerstaff recounts in a detailed piece for the Lieber Institute, in some cases, parties may simply be unable to evacuate persons; although where this is the result of a lack of resources, they may need to seek external assistance, such as from the ICRC. In other cases, evacuations may not be feasible from a military perspective. Factors to consider include the risks that the evacuation may pose to the party’s military objectives, the constraints evacuation operations place on available resources, and the extent to which the evacuees would benefit from relocation. Depending on the circumstances, it may not be feasible to evacuate everyone or do so immediately. In such cases, priority may be given to the most vulnerable groups, such as children, the elderly, or the sick.

Secondly, parties are also not obligated to evacuate protected persons when it is unsafe to do so. Although this is not explicitly stated in treaty texts, the ICRC Commentaries clarify this condition. For instance, they note that evacuations ‘should not go beyond the point where the life of the population would become difficult or even impossible’ (para. 2245) and ‘should not be more dangerous than remaining in place’ (para. 4586). However, the inability to safely evacuate does not absolve parties of their duty to provide protection. In such cases, parties must avoid exposing protected persons to danger and, if necessary, allow third parties to provide humanitarian assistance.

Furthermore, the duty to evacuate does not always extend to all civilians equally, leaving some flexibility to account for the specific circumstances of individuals or groups for whom evacuation may be necessary and appropriate. For example, parties may be required to evacuate vulnerable subgroups, such as children, mothers, the elderly, and the sick, due to their heightened vulnerabilities in armed conflict, while the evacuation of others may not yet be necessary (ICRC Commentaries para. 2247). The same applies to specific sites, like hospitals and refugee camps, which may need to be evacuated before others. Conversely, certain individuals within a group should not be evacuated if relocation would expose them to greater risks than staying in place, even when it is safe for others in that group to do so (see e.g., article 9 of Geneva Convention III).

When the duty to evacuate does apply, parties are responsible for ensuring the safe evacuation of protected persons. The obligations regarding prisoners of war and persons hors de combat suggest that parties must remove them from the hostilities. However, the same expectations may not be feasible for large civilian populations. Therefore, it may be reasonable to interpret the duty to evacuate civilians as an obligation of conduct rather than result. This interpretation parallels the duty to evacuate in peacetime, implying that parties must take necessary steps to compel and facilitate evacuations to the greatest extent possible, but they are not obligated to physically remove people from danger zones.

The duty to evacuate civilians thus implies that parties must plan for evacuations, issue evacuation orders when needed, facilitate the process, and enforce these orders as long as necessary. In many cases, this duty is fulfilled by issuing advance warnings to civilians, instructing them to leave areas where an attack is imminent. However, such warnings are only effective if civilians are given sufficient time to evacuate and if safe escape routes are available. This highlights a key substantial aspect of the duty: parties are obligated to ensure the safe evacuation of protected persons. IHL provides several mechanisms to achieve this, including through evacuation agreements between belligerent parties and opening humanitarian corridors. The important point to emphasize here is that these measures are integral to the duty to evacuate, setting minimum standards for its implementation.

Restrictions on evacuations

While recognizing the critical importance of evacuations for protecting civilians during armed conflicts, IHL imposes strict limitations on when and how parties to a conflict can order and enforce evacuations. These limitations stem primarily from the prohibition against forcible transfers and deportations of civilians, codified in article 49(1) of Geneva Convention IV. While the emphasis of the text lies on preventing the removal of civilians from occupied territory, the prohibition also applies to movements within occupied territory, seeking to prevent arbitrary internal displacement. The prohibition is relevant to all armed conflicts: article 17 of Additional Protocol II explicitly forbids the displacement of civilian populations during non-international armed conflicts. Moreover, the prohibition is widely recognized as customary international law by states, as well as domestic and international courts, and is supported by the ICRC.

The only exception to the prohibition against the forcible movement of protected persons concerns evacuations. However, as expressed in article 49(2) of Geneva Convention IV, it is highly restrictive, with three major limitations: (1) evacuations must only be ordered for the security of the population or for imperative military reasons; (2) protected persons must not be moved outside the occupied territory unless it is unavoidable; and (3) evacuees must be allowed to return home as soon as hostilities have ended. Furthermore, parties must ensure that forced evacuations are carried out in a humane manner (article 49(3)). Together, these restrictions are intended as safeguards to protect the interests of the affected population and prevent arbitrary displacement.

The first of these is particularly relevant to the proposed plan ostensibly under active consideration by Netanyahu. While the Geneva Conventions do not elaborate on the precise meaning of ‘imperative military reasons’, case law from international courts and tribunals has established key criteria for interpreting this ground. Courts have set a high threshold for accepting imperative military reasons as a justification, only doing so when civilian evacuations are deemed vital to the success of broader military operations. Military advantage alone is generally insufficient to justify forced evacuations, although military necessity may meet the bar. Moreover, evacuations can only be justified in the face of actual, rather than hypothetical, military threats. The conduct of the evacuating party also plays a crucial role: evacuations planned well in advance may indicate ulterior motives and threats created by the evacuating power itself cannot serve as justification. Furthermore, evacuations must be carried out in a safe and secure manner that allows for the eventual return of civilians. Any violent or persecutory actions during evacuations can invalidate claims of imperative military reasons.

When forced evacuations fail to meet the conditions outlined above, they are unlawful and violate the prohibition against forcible transfers or deportations of civilians. Given the severe impact on displaced evacuees, such cases are typically taken very seriously by the international community, as illustrated by the evacuation of Eastern Aleppo in 2016 (see here and here).

The consequences of unlawful evacuations can be grave. They not only violate IHL but may also result in criminal liability for those individuals responsible. Forcible transfers and deportations are classified as grave breaches of the Geneva Conventions, which state parties are obligated to prosecute those responsible (article 147 Geneva Convention IV). In addition, these acts are recognized as war crimes under the Rome Statute, which explicitly lists unlawful transfers and deportations of civilians as offences within the jurisdiction of the International Criminal Court (article 8(2)(a)(viii)), and they may also serve as evidence of genocidal intent, as previously discussed on this blog. This sends a clear warning to those considering civilian evacuations, emphasizing that they must only do so for the genuine protection of civilians and not for any other purpose.



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