Mortgage rates inched lower this week, mortgage buyer Freddie Mac said Thursday.

Freddie Mac’s latest Primary Mortgage Market Survey, released Thursday, showed the average rate on the benchmark 30-year fixed mortgage slipped to 6.09% from last week’s reading of 6.11%. 

The average rate on a 30-year loan was 6.87% a year ago.

The average rate on the 30-year fixed mortgage fell to 6.09% this week, Freddie Mac said. (Ty Wright/Bloomberg via Getty Images)

HOME DELISTINGS SURGE AS SELLERS STRUGGLE TO GET THEIR PRICE

“Bolstered by strong economic growth, a solid labor market and mortgage rates at three-year lows, housing affordability continues to measurably improve,” said Sam Khater, Freddie Mac’s chief economist. “These factors have caught the attention of many prospective homebuyers, driving purchase application activity higher than a year ago.”

The average rate on a 15-year fixed mortgage fell to 5.44% from last week’s reading of 5.5%.

Mortgage rates are affected by several factors, including the Federal Reserve and geopolitics. Though mortgage rates are not directly affected by the Fed’s interest rate decisions, they closely track the 10-year Treasury yield. The 10-year yield hovered around 4.1% as of Thursday afternoon.

“Mortgage rates have lingered in the low-6% range for weeks, letting buyers and sellers who were already prepared take action, but likely not low enough to entice the next wave,” Realtor.com Economist Jiayi Xu. “While active listings continued to rise year-over-year in January, inventory growth has slowed for the ninth consecutive month, leaving total supply still about 17.2% below pre-pandemic levels.”

THE MARKETS WHERE HOMEBUYERS MAY FINALLY GET SOME RELIEF IN 2026, REALTOR.COM SAYS

“In short, while the market remains stable, a larger drop in rates will be needed to attract new buyers and sellers and truly reignite the housing market,” Xu added.

The average rate on the 15-year mortgage fell to 5.44% this week. (David Paul Morris/Bloomberg via Getty Images)

HOMEBUILDERS REPORTEDLY DEVELOPING ‘TRUMP HOMES’ PROGRAM TO IMPROVE AFFORDABILITY

U.S. existing home sales tumbled to the lowest level in more than two years in January as falling inventory raised house prices.

Home sales dropped 8.4% last month to a seasonally adjusted annual rate of 3.91 million units, the lowest level since December 2023, the National Association of Realtors said on Thursday. Economists polled by Reuters had forecast home resales declining to a rate of 4.18 million units.

Last month’s sales likely reflected contracts that were signed in November and December, and would not have been impacted by winter storms that slammed large parts of the country in January. Home sales decreased 4.4% on a year-over-year basis.

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Reuters contributed to this report.

Budget-conscious Americans are returning to McDonald’s as the fast-food giant doubles down on value meals, discounted bundles and limited-time promotions aimed at stretching diners’ dollars.

The strategy appears to be working as U.S. sales rose 6.8% in the fourth quarter – the biggest jump in about two years – and lower-priced offers and aggressive promotions drove traffic back into restaurants. Analysts had expected a smaller 4.9% gain.

McDonald’s CEO Chris Kempczinski said there is growing evidence the company’s value push is working, particularly among lower-income consumers who have been most affected by inflation. 

A McDonald’s restaurant in San Francisco on July 29, 2024. (David Paul Morris/Bloomberg via Getty Images)

Holiday promotions also played a role in pulling customers in. Last December, McDonald’s launched a Grinch-themed meal that the company said delivered “the highest single sales day in history.” 

MCDONALD’S OFFERS FREE MCNUGGET CAVIAR KITS FOR VALENTINE’S DAY CELEBRATION

The company revived its Monopoly promotion in October after nearly a decade and rolled out value offers starting at $5 in November.

Industry analysts say consistency will be key as consumers remain selective about where they spend.

McDonald’s strategy is notable given how many U.S. restaurants in the U.S. are struggling to maintain foot traffic. Across the industry, lower-priced chains have generally fared better than higher-priced competitors as consumers trade down.

McDonald’s U.S. sales rose 6.8% in the fourth quarter, the biggest jump in about two years. (Mario Tama/Getty Images)

Taco Bell posted a 7% increase in same-store sales in the latest quarter and KFC reported 3% growth, parent company Yum Brands said last week. Meanwhile, higher-priced Chipotle Mexican Grill reported a 1.7% decline in sales earlier this month.

The renewed customer momentum helped power stronger-than-expected financial results, underscoring how discount-driven traffic can translate into profits.

Exterior view of a McDonald’s restaurant on May 24, 2024. (Paul Weaver/SOPA Images/LightRocket)

The traffic rebound translated into stronger financial results. McDonald’s global comparable sales rose 5.7% in the fourth quarter, topping expectations, while adjusted earnings beat Wall Street estimates as revenue climbed to more than $7 billion. International markets also contributed to growth, with steady demand in Britain, Germany and Australia.

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Looking ahead, McDonald’s plans to build on its affordability messaging while expanding into beverages such as cold coffees, crafted sodas and energy-style drinks — offerings designed to drive additional visits, particularly among younger consumers. A new McCafe-branded drink lineup is set to roll out in the U.S. and select international markets this year after a 500-store test exceeded expectations.

Reuters contributed to this report. 

Navigating promotional systems across crypto casino platforms can feel overwhelming, especially when multiple bonus types exist simultaneously.

Understanding how redemption mechanics work helps players avoid wasted opportunities and extract genuine value from platform incentives. This guide breaks down everything you need to know about activation processes, strategic timing, and common pitfalls.

What Is a BC Game Redeem Code?

A BC Game redeem code functions as a unique alphanumeric sequence that unlocks specific rewards when entered into designated areas of the platform. Unlike automatic bonuses that trigger upon deposit or registration, these codes require manual input, giving users control over when and how they claim benefits.

The core distinction lies in distribution method and flexibility. Standard welcome packages activate automatically based on predefined conditions. Redemption codes, however, arrive through targeted campaigns, community collaborations, or time-limited promotions. Players receive these sequences via email newsletters, social media announcements, or partnership channels, then apply them according to personal gaming schedules.

Key characteristics that define redemption codes include:

• Manual activation requirement through the dedicated platform interface
• Time-limited validity periods ranging from hours to weeks
• Unique alphanumeric sequences distinguish each promotional campaign
• Eligibility criteria based on account status or verification level
• Specific reward structures tied to individual code distributions
• The non-transferable nature prevents sharing between accounts
• Tracking mechanisms, monitoring usage patterns, and redemption frequency

These codes integrate into the broader reward ecosystem without replacing foundational bonus structures. They serve as supplementary tools for enhancing bankroll potential during specific periods or events. The platform uses them to test engagement strategies, reward loyalty, and maintain competitive positioning within the crypto casino market.

How Does a BC Game Redeem Code Work?

The activation process follows a straightforward technical pathway. After logging into an account, users locate the designated input field within their profile dashboard or promotional section. Entering the exact code sequence, case-sensitive in most implementations, triggers backend verification protocols.

System checks confirm code validity, user eligibility, and expiration status before processing the request. Valid codes instantly credit associated rewards to the account balance or unlock specified perks. The platform logs each redemption attempt, preventing duplicate usage of single-use codes while tracking multi-use promotional sequences. For players interested in exploring specific platform features, BC Game Plinko demonstrates how redeemed credits can be applied across different entertainment options.

Typical rewards range from fixed credit amounts to percentage-based balance boosts, though some codes grant access to exclusive tournaments or feature previews. Redemption windows vary significantly—some codes expire within 24 hours of distribution, while others remain active for weeks. Checking terms attached to each code prevents disappointment from expired or region-restricted offers.

Where to Find Legitimate BC Game Redeem Codes

Official communication channels remain the most reliable source. The platform distributes codes through verified email newsletters sent to registered users, ensuring recipients meet baseline eligibility criteria. Social media accounts operated directly by the brand announce time-sensitive codes during promotional campaigns or special events.

Platform-native features sometimes generate personalized codes based on activity patterns or milestone achievements. Users who reach specific VIP tiers or complete designated challenges receive custom sequences tailored to their engagement level. These targeted codes often carry higher value than general promotional offers.

Community-driven sources require careful verification. Third-party aggregator sites and forum threads occasionally share working codes, but authenticity varies. Cross-referencing information against official announcements prevents activation attempts with fake or outdated sequences. Expired codes consume valuable time without delivering benefits, making source credibility essential.

Partnered content creators and affiliate programs distribute exclusive codes unavailable through other channels. These collaborations introduce unique sequences tied to specific influencer campaigns, providing tracking mechanisms for partnership performance while offering players alternative access points.

How to Use a BC Game Redeem Code Correctly

Begin by ensuring account registration completion and verification status. Unverified accounts often face restrictions on promotional redemptions, blocking code activation until identity confirmation concludes. Checking eligibility requirements before attempting redemption saves troubleshooting effort.

Navigate to the account dashboard and locate the redemption interface, typically labeled as “Redeem Code,” “Promo Code,” or similar terminology. Input the exact sequence provided, maintaining case sensitivity and avoiding extra spaces. Some platforms differentiate between uppercase and lowercase characters, causing rejection of incorrectly formatted entries.

After submission, monitor account notifications for confirmation messages. Successful activations generate immediate feedback, while failed attempts display error codes explaining rejection reasons. Common issues include expired codes, regional restrictions, or previous usage by the account holder. Players seeking to enhance their strategic approach across different platform types can read more about optimizing engagement techniques.

Review the attached terms immediately upon successful activation. Wagering requirements, game restrictions, and withdrawal limitations often accompany redeemed bonuses. Understanding these conditions before deploying funds prevents unexpected obstacles during cash-out attempts. Bonus balances typically carry different rules than deposited funds, requiring strategic separation in bankroll management.

How to Get Maximum Value from a Redeem Code

Timing activation around personal gaming sessions optimizes code benefits. Redeeming immediately before extended play periods allows full utilization of time-sensitive bonuses that expire after fixed durations. Players planning weekend sessions benefit more from Friday activations than Monday redemptions if codes carry 48-hour validity.

Bankroll management principles apply equally to redeemed bonuses. Treating credited amounts as extended play capital rather than guaranteed profits maintains realistic expectations. Allocating redeemed funds across multiple sessions distributes variance risk while prolonging entertainment value.

Strategic stacking opportunities exist when platforms allow simultaneous promotions without conflict. Some codes complement existing deposit bonuses without triggering mutual exclusivity clauses. Reviewing promotional terms identifies compatible combinations, though attempting unauthorized stacking risks forfeiture of all active bonuses.

Variance considerations matter when choosing how to deploy redeemed credits. Higher-volatility approaches suit players comfortable with swing potential, while conservative strategies preserve capital for longer sessions. Matching code usage to personal risk tolerance creates sustainable engagement patterns rather than forced high-variance plays that deplete bonuses rapidly.

Common Mistakes When Using BC Game Redeem Codes

Attempting to reactivate expired codes wastes effort and creates frustration. Players sometimes screenshot codes without noting expiration dates, leading to failed redemption attempts weeks after distribution. Maintaining organized records with timestamp information prevents this oversight.

Ignoring wagering conditions before activating codes causes unexpected complications during withdrawal processes. Many redeemed bonuses require playing through credited amounts multiple times before converting to withdrawable funds. Players who skip term reviews discover locked balances only after attempting cashouts, generating unnecessary support tickets.

Frequent errors that reduce code effectiveness include:

• Entering incorrect character sequences due to manual typing errors
• Activating codes without sufficient account balance to meet minimum requirements
• Attempting redemption from restricted geographic locations
• Failing to read the maximum withdrawal limits on bonus-generated winnings
• Overlooking game contribution percentages toward wagering requirements
• Redeeming multiple conflicting promotions simultaneously
• Sharing codes publicly after single-use activation
• Missing activation deadlines despite receiving valid sequences

Expecting guaranteed returns from redeemed credits misaligns with probabilistic gaming fundamentals. Codes enhance playing opportunities rather than ensuring profits, yet some users approach them as risk-free capital. This mindset leads to aggressive betting patterns that accelerate losses instead of extending session duration.

Neglecting account verification before code redemption creates activation barriers. Platforms often restrict promotional access until identity confirmation completes, blocking code usage despite successful input. Completing verification proactively eliminates this bottleneck.

Are BC Game Redeem Codes Worth Using?

Value assessment depends on individual playing habits and bonus structure alignment. Active users who already engage regularly with the platform gain straightforward benefits from supplementary credits. These codes essentially extend existing bankrolls without requiring additional deposits, reducing overall cost per session.

Limitations exist around flexibility and control. Wagering requirements attached to most redeemed bonuses restrict immediate withdrawal access, locking funds until completion. Players preferring unrestricted capital may find terms too constraining relative to the benefits received.

Casual users benefit most when codes require no deposit obligations. Risk-free exploration opportunities allow testing platform features without financial commitment, though attached terms still apply to redeemed amounts. These scenarios suit newcomers evaluating whether the platform matches their preferences.

Strategic users incorporate codes into broader bankroll planning rather than treating them as isolated windfalls. Integrating redeemed credits with deposit schedules and session planning creates cohesive financial management across all platform interactions.

Frequently Asked Questions

Can redeem codes expire?

Yes, most codes carry expiration dates ranging from 24 hours to several weeks after distribution. Checking validity windows upon receipt prevents missed opportunities.

Can codes be reused?

Single-use codes deactivate after first redemption, while multi-use promotional sequences remain available until expiration or redemption cap achievement. Code terms specify usage limitations.

Are codes available to existing users?

Availability varies by campaign type. Some codes target new registrations exclusively, while others remain accessible to all verified accounts regardless of tenure. Distribution channels and attached terms clarify eligibility.

Do codes work in all regions?

Geographic restrictions sometimes apply based on regulatory requirements or marketing strategies. Verifying regional eligibility before activation attempts prevents failed redemptions.

What happens if a code doesn’t work?

Error messages typically indicate expiration, previous usage, or eligibility mismatches. Contacting support with the specific code sequence and error details facilitates resolution.

Platform incentive structures continue evolving as competitive dynamics shift within crypto casino markets. Understanding redemption mechanics transforms promotional codes from confusing sequences into strategic bankroll enhancement tools. Players who combine thorough term reviews with disciplined timing extract genuine value while maintaining realistic outcome expectations.

Tadeu Marroco
CEO, Member of Management Board & Executive Director

Good morning, everyone. I’m delighted to welcome you to our Full Year 2025 Results Presentation. With me this morning, Javed Iqbal, Interim CFO; and Victoria Buxton, Group Head of Investor Relations.

I will begin with our transformation highlights. Javed will then take you through our financial results in more detail. Finally, I will return to talk more about our performance outlook and why we are confident in the pathway ahead given the clear momentum we are driving. We will then take your questions.

With that, I would like to draw your attention to the disclaimers on Slides 2 and 3. So let’s begin by looking at the positive transformation momentum we are driving. Starting with some key highlights. We added 4.7 million smokeless consumers, bringing our total to 34.1 million, mainly driven by our continued strong performance in Modern Oral. This marks our strongest growth acceleration to date and position us well for 2026.

We delivered 2025 group results at the top end of guidance, driven by resilient delivery in combustibles and an excellent performance from Velo in all three regions.