Swiss Lower House Backs Ubs Treaty, Asks For Popular Referendum

Here are the answers for The New York Times Mini Crossword for Jan. 5.

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Satya Nadella has been Microsoft's CEO since 2014, overseeing the company's shift to cloud computing and AI development. Stephen Brashear/Getty ImagesMicrosoft has had three CEOs since its founding in 1975. Bill Gates, Steve Ballmer, and Satya Nadella have steered the company through its 50-year history. Read about the CEOs who oversaw Microsoft's successes, failures, launches, acquisitions, and more.

Henri Leduc/Getty ImagesMajor alcohol companies have been bracing for a culture shift favoring nonalcoholic options. Younger consumers under the age of 30 buy less alcohol and drink less often. Brands like Heineken and AB InBev have rolled out their own alcohol-free offerings, bolstering sales. Even before the Surgeon General on Friday warned that alcohol can cause cancer and should come with a warning label, big companies like Heineken and AB InBev — the parent of brands like Budweiser and Michelob Ultra — were preparing for a culture shift favoring nonalcoholic options.