Thryv Holdings, the Dallas-based company that owns the Yellow Pages, began trading shares of its common stock on the Nasdaq on Thursday, hoping to attract investors with its growth into a small-business-management platform.

Perhaps you haven’t opened or even seen a physical Yellow Pages book in years, but you’ve certainly seen the online Yellow Pages appear in search engine results. That evolution of the legacy Yellow Pages print product to a digital one has been the focus of Thryv chairman and CEO Joe Walsh and his team.

For five years, the company also has been building out an all-in-one business-management platform, called Thryv, that specifically caters to small- and mid-sized businesses. Think Salesforce, but for companies with two to 50 employees.

“We have the Yellow Pages, and the Yellow Pages come with hundreds and hundreds of thousands of mom-and-pop small businesses,” Walsh said. “So we built something that was appropriate for them.”

Grown through a series of mergers and acquisitions, Thryv Holdings now operates in 48 states. In 2014, Thryv was called DexMedia and was a conglomerate of Yellow Pages companies that previously had been fragmented among owners such as Verizon and AT&T. It acquired YP Holdings — the owner of YP.com — from AT&T in 2017.

Thryv recorded $1.3 billion in revenue and $452 million in pre-tax profit for the 12-month period that ended in June. Headquartered in the old Braniff International Airways HQ near DFW Airport, Thryv employs more than 2,400 people and serves 360,000 customers. About half of its staff works in the Dallas area, including human resources, sales and information technology teams.

Already a mature company, Thryv opted to go back to the trading floor through a direct listing under the ticker symbol THRY. Its shares had a brutal first day, opening at $14 and dropping

By William Schomberg and David Milliken

LONDON (Reuters) – Bank of England Deputy Governor Dave Ramsden said he thought the floor for the central bank’s key interest rate was 0.1% but the BoE was “duty-bound” to consider going below zero as part of its efforts to help the economy through its coronavirus crisis.

“For me, I see the effective lower bound still at 0.1 which is where Bank Rate is at present,” Ramsden said in an interview with Britain’s Society of Professional Economists posted online.

Sterling extended its rise against the dollar and the euro after his comments.

The BoE said this month it would look at how it might be able to implement negative rates if they were needed, building on an announcement in August that the option was part of its toolbox.

One of the BoE’s nine interest-rate setters, Silvana Tenreyro, said in a newspaper interview published on Saturday that the investigation into whether negative rates might help the economy had found “encouraging” evidence.

Ramsden said in his interview with the SPE that there were some jurisdictions where negative rates appeared more effective than in the euro zone and Japan, but their usefulness depended on the economic cycle and the structure of the banking system.

The BoE cut interest rates to a record-low 0.1% in March, and until this year it had always ruled out negative rates, saying they would hurt Britain’s banks and building society lenders.

But the scale of the COVID-19 hit to the economy, and the possibility of Britain failing to strike a trade deal with the European Union, have forced the BoE to reconsider.

Ramsden said interest rates on households’ bank deposits tended not to fall below zero when central banks pushed their benchmark rates into negative territory – which could hurt banks as

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