www panaloko net The ACLU of Mass. wants to ban sales of cellphone location data to protect abortion accessSAN DIEGO , Dec. 10, 2024 /PRNewswire/ -- Robbins LLP reminds investors that a class action was filed on behalf of all persons and entities that purchased or otherwise acquired PACS Group, Inc. (NYSE: PACS) (a) common stock in connection with the Company's April 11, 2024 initial public offering ("IPO"), or (b) securities between April 11, 2024 and November 5, 2024 . PACS Group, through its subsidiaries, operates senior care facilities, skilled nursing facilities, and assisted living facilities in the United States . For more information, submit a form , email attorney Aaron Dumas, Jr. , or give us a call at (800) 350-6003. The Allegations: Robbins LLP is Investigating Allegations that PACS Group, Inc. (PACS) Misled Investors Regarding its Reimbursement and Referral Practices According to the complaint, during the class period, defendants failed to disclose to investors: (1) that the Company engaged in a "scheme" to submit false Medicare claims which "drove more than 100% of PACS' operating and net income from 2020 – 2023"; (2) that the Company engaged in a "scheme" to "bill thousands of unnecessary respiratory and sensory integration therapies to Medicare"; and (3) that the Company engaged in a scheme to falsify documentation related to licensure and staffing. Plaintiff alleges that on November 4, 2024 , Hindenburg Research published a report containing allegations to support these contentions. On this news, the Company's share price fell $11.93 , or over 27%, to close at $31.01 per share on November 4, 2024 . Plaintiff further alleges that on November 6, 2024 , the Company announced that it would postpone its fiscal third quarter 2024 earnings release. The Company further disclosed it had "received civil investigative demands from the federal government regarding the Company's reimbursement and referral practices that may or may not be related to this week's third-party report." On this news, the Company's share price fell $11.45 or 38.76%, to close at $18.09 per share on November 6 , 2024. By the commencement of this action, PACS Group stock has traded as low as $18.09 per share, a more than 13.9% decline from the $21 per share IPO price. What Now : You may be eligible to participate in the class action against PACS Group, Inc. Shareholders who want to serve as lead plaintiff for the class must submit their application to the court by January 13, 2025 . A lead plaintiff is a representative party who acts on behalf of other class members in directing the litigation. You do not have to participate in the case to be eligible for a recovery. If you choose to take no action, you can remain an absent class member. For more information, click here . All representation is on a contingency fee basis. Shareholders pay no fees or expenses. About Robbins LLP : Some law firms issuing releases about this matter do not actually litigate securities class actions; Robbins LLP does. A recognized leader in shareholder rights litigation, the attorneys and staff of Robbins LLP have been dedicated to helping shareholders recover losses, improve corporate governance structures, and hold company executives accountable for their wrongdoing since 2002. Since our inception, we have obtained over $1 billion for shareholders. To be notified if a class action against PACS Group, Inc. settles or to receive free alerts when corporate executives engage in wrongdoing, sign up for Stock Watch today. Attorney Advertising. Past results do not guarantee a similar outcome. View original content to download multimedia: https://www.prnewswire.com/news-releases/pacs-stockholders-with-large-losses-should-contact-shareholder-rights-law-firm-robbins-llp-for-information-about-the-pacs-group-inc-class-action-302328211.html SOURCE Robbins LLP

By CHRISTOPHER RUGABER WASHINGTON (AP) — President-elect Donald Trump on Tuesday named Andrew Ferguson as the next chair of the Federal Trade Commission . He will replace Lina Khan, who became a lightning rod for Wall Street and Silicon Valley by blocking billions of dollars’ worth of corporate acquisitions and suing Amazon and Meta while alleging anticompetitive behavior . Ferguson is already one of the FTC’s five commissioners, which is currently made up of three Democrats and two Republicans. “Andrew has a proven record of standing up to Big Tech censorship, and protecting Freedom of Speech in our Great Country,” Trump wrote on Truth Social, adding, “Andrew will be the most America First, and pro-innovation FTC Chair in our Country’s History.” Related Articles National Politics | Biden issues veto threat on bill expanding federal judiciary as partisan split emerges National Politics | Trump lawyers and aide hit with 10 additional felony charges in Wisconsin over 2020 fake electors National Politics | After withdrawing as attorney general nominee, Matt Gaetz lands a talk show on OANN television National Politics | What will happen to Social Security under Trump’s tax plan? National Politics | Republican-led states are rolling out plans that could aid Trump’s mass deportation effort The replacement of Khan likely means that the FTC will operate with a lighter touch when it comes to antitrust enforcement. The new chair is expected to appoint new directors of the FTC’s antitrust and consumer protection divisions. “These changes likely will make the FTC more favorable to business than it has been in recent years, though the extent to which is to be determined,” wrote Anthony DiResta, a consumer protection attorney at Holland & Knight, in a recent analysis . Deals that were blocked by the Biden administration could find new life with Trump in command. For example, the new leadership could be more open to a proposed merger between the country’s two biggest supermarket chains, Kroger and Albertsons, which forged a $24.6 billion deal to combine in 2022. Two judges halted the merger Tuesday night. The FTC had filed a lawsuit in federal court earlier this year to block the merger, claiming the deal would eliminate competition, leading to higher prices and lower wages for workers. The two companies say a merger would help them lower prices and compete against bigger rivals like Walmart. One of the judges said the FTC had shown it was likely to prevail in the administrative hearing. Yet given the widespread public concern over high grocery prices, the Trump administration may not fully abandon the FTC’s efforts to block the deal, some experts have said. And the FTC may continue to scrutinize Big Tech firms for any anticompetitive behavior. Many Republican politicians have accused firms such as Meta of censoring conservative views, and some officials in Trump’s orbit, most notably Vice President-elect JD Vance, have previously expressed support for Khan’s scrutiny of Big Tech firms. In addition to Fergson, Trump also announced Tuesday that he had selected Jacob Helberg as the next undersecretary of state for economic growth, energy and the environment.Ethereum Price Prediction: ETH Analysts Eye $10,000, As Investors 10x Their Profits With Dogecoin. Yeti Ouro Launches Meme Contest, Attracting Investors

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(All times Eastern) Schedule subject to change and/or blackouts Tuesday, Nov. 26 CANADIAN HOCKEY LEAGUE 7 p.m. NHLN — CHL/USA Prospects Challenge: From London, Ontario COLLEGE BASKETBALL (MEN’S) 1:30 p.m. CBSSN — Sunshine Slam Beach Bracket: TBD, Third-Place Game, Daytona Beach, Fla. 2 p.m. TBS — Players Era Festival: San Diego St. vs. Creighton, Las Vegas 3:30 p.m. ESPN2 — Maui Invitational: TBD, Consolation Semifinal, Maui, Hawaii 4 p.m. CBSSN — Sunshine Slam Beach Bracket: TBD, Championship, Daytona Beach, Fla. 4:30 p.m. TBS — Oregon vs. Texas A&M, Las Vegas 6 p.m. CBSSN — Sunshine Slam Ocean Bracket: Wyoming vs. Tulane, Semifinal, Riviera Maya, Mexico ESPN — Maui Invitational: TBD, Semifinal, Maui, Hawaii 6:30 p.m. ESPNU — W. Kentucky at Kentucky 7 p.m. ACCN — Manhattan at Virginia FS1 — Wagner at Georgetown TRUTV — Acrisure Holiday Invitational: Grand Canyon vs. Stanford, Semifinal, Palm Springs, Calif. 8 p.m. BTN — SC-Upstate at Iowa TBS — Players Era Festival: Houston vs. Alabama, Las Vegas 8:30 p.m. CBSSN — Sunshine Slam Ocean Bracket: Loyola Marymount vs. Belmont, Semifinal, Riviera Maya, Mexico ESPNU — Maui Invitational: TBD, Consolation Semifinal, Maui, Hawaii 9 p.m. ESPN — Vegas Showdown: Kansas vs. Duke, Las Vegas 9:30 p.m. TRUTV — Acrisure Holiday Invitational: California Baptist vs. SMU, Semifinal, Palm Springs, Calif. 10 p.m. BTN — S. Utah at UCLA 10:30 p.m. TBS — Players Era Festival: Rutgers vs. Notre Dame, Las Vegas 11 p.m. ESPN — Maui Invitational: TBD, Semifinal, Maui, Hawaii 11:30 p.m. ESPNU — Vegas Showdown: Seattle vs. Furman, Las Vegas Midnight TRUTV — Acrisure Holiday Invitational: Fresno St. vs. Washington St., Semifinal, Palm Springs, Calif. COLLEGE BASKETBALL (WOMEN’S) 2 p.m. TRUTV — Acrisure Holiday Invitational: Michigan St. vs. California, Semifinal, Palm Springs, Calif. 4:30 p.m. TRUTV — Acrisure Holiday Invitational: Arizona vs. Vanderbilt, Semifinal, Palm Springs, Calif. 7 p.m. SECN — Western Carolina at Tennessee COLLEGE FOOTBALL 7 p.m. ESPN2 — Toledo at Akron 8 p.m. ESPN — CFP Rankings Show GOLF 4 a.m. (Wednesday) GOLF — Asian Tour: The International Series Qatar, First Round, Doha Golf Club, Doha, Qatar NBA BASKETBALL 7:30 p.m. TNT — Milwaukee at Miami 10 p.m. TNT — L.A. Lakers at Phoenix The Associated Press created this story using technology provided by Data Skrive TV listings provided by LiveSportsOnTV .Feds suspend ACA marketplace access to companies accused of falsely promising ‘cash cards’

As open enrollment for Affordable Care Act plans continues through Jan. 15, you’re likely seeing fewer social media ads promising monthly cash cards worth hundreds, if not thousands, of dollars that you can use for groceries, medical bills, rent and other expenses. But don’t worry. You haven’t missed out on any windfalls. Clicking on one of those ads would not have provided you with a cash card — at least not worth hundreds or thousands. But you might have found yourself switched to a health insurance plan you did not authorize, unable to afford treatment for an unforeseen medical emergency, and owing thousands of dollars to the IRS, according to an ongoing lawsuit against companies and individuals who plaintiffs say masterminded the ads and alleged scams committed against millions of people who responded to them. The absence of those once-ubiquitous ads are likely a result of the federal government suspending access to the ACA marketplace for two companies that market health insurance out of South Florida offices, amid accusations they used “fraudulent” ads to lure customers and then switched their insurance plans and agents without their knowledge. In its suspension letter, the Centers for Medicare & Medicaid Services (CMS) cited “credible allegations of misconduct” in the agency’s decision to suspend the abilities of two companies — TrueCoverage (doing business as Inshura) and BenefitAlign — to transact information with the marketplace. CMS licenses and monitors agencies that use their own websites and information technology platforms to enroll health insurance customers in ACA plans offered in the federal marketplace. The alleged scheme affected millions of consumers, according to a lawsuit winding its way through U.S. District Court in Fort Lauderdale that seeks class-action status. An amended version of the suit, filed in August, increased the number of defendants from six to 12: — TrueCoverage LLC, an Albuquerque, New Mexico-based health insurance agency with large offices in Miami, Miramar and Deerfield Beach. TrueCoverage is a sub-tenant of the South Florida Sun Sentinel in a building leased by the newspaper in Deerfield Beach. — Enhance Health LLC, a Sunrise-based health insurance agency that the lawsuit says was founded by Matthew Herman, also named as a defendant, with a $150 million investment from hedge fund Bain Capital’s insurance division. Bain Capital Insurance Fund LP is also a defendant. — Speridian Technologies LLC, accused in the lawsuit of establishing two direct enrollment platforms that provided TrueCoverage and other agencies access to the ACA marketplace. — Benefitalign LLC, identified in the suit as one of the direct enrollment platforms created by Speridian. Like Speridian and TrueCoverage, the company is based in Albuquerque, New Mexico. — Number One Prospecting LLC, doing business as Minerva Marketing, based in Fort Lauderdale, and its founder, Brandon Bowsky, accused of developing the social media ads that drove customers — or “leads” — to the health insurance agencies. — Digital Media Solutions LLC, doing business as Protect Health, a Miami-based agency that the suit says bought Minerva’s “fraudulent” ads. In September, the company filed for Chapter 11 protection from creditors in United States Bankruptcy Court in Texas, which automatically suspended claims filed against the company. — Net Health Affiliates Inc., an Aventura-based agency the lawsuit says was associated with Enhance Health and like it, bought leads from Minerva. — Garish Panicker, identified in the lawsuit as half-owner of Speridian Global Holdings and day-to-day controller of companies under its umbrella, including TrueCoverage, Benefitalign and Speridian Technologies. — Matthew Goldfuss, accused by the suit of overseeing and directing TrueCoverage’s ACA enrollment efforts. All of the defendants have filed motions to dismiss the lawsuit. The motions deny the allegations and argue that the plaintiffs failed to properly state their claims and lack the standing to file the complaints. The Sun Sentinel sent requests for comment and lists of questions about the cases to four separate law firms representing separate groups of defendants. Three of the law firms — one representing Brandon Bowsky and Number One Prospecting LLC d/b/a Minerva Marketing, and two others representing Net Health Affiliates Inc. and Bain Capital Insurance Fund — did not respond to the requests. A representative of Enhance Health LLC and Matthew Herman, Olga M. Vieira of the Miami-based firm Quinn Emanuel Urquhart & Sullivan LLP, responded with a short message saying she was glad the newspaper knew a motion to dismiss the charges had been filed by the defendants. She also said that, “Enhance has denied all the allegations as reported previously in the media.” Catherine Riedel, a communications specialist representing TrueCoverage LLC, Benefitalign LLC, Speridian Technologies LLC, Girish Panicker and Matthew Goldfuss, issued the following statement: “TrueCoverage takes these allegations very seriously and is responding appropriately. While we cannot comment on ongoing litigation, we strongly believe that the allegations are baseless and without merit. “Compliance is our business. The TrueCoverage team records and reviews every call with a customer, including during Open Enrollment when roughly 500 agents handle nearly 30,000 calls a day. No customer is enrolled into any policy without a formal verbal consent given by the customer. If any customer calls in as a result of misleading content presented by third-party marketing vendors, agents are trained to correct such misinformation and action is taken against such third-party vendors.” Through Riedel, the defendants declined to answer follow-up questions, including whether the company remains in business, whether it continues to enroll Affordable Care Act clients, and whether it is still operating its New Mexico call center using another affiliated technology platform. The suspension notification from the Centers for Medicare and Medicaid Services letter cites several factors, including the histories of noncompliance and previous suspensions. The letter noted suspicion that TrueCoverage and Benefitalign were storing consumers’ personally identifiable information in databases located in India and possibly other overseas locations in violation of the centers’ rules. The letter also notes allegations against the companies in the pending lawsuit that “they engaged in a variety of illegal practices, including violations of the (Racketeer Influenced & Corrupt Organizations, or RICO Act), misuse of consumer (personal identifiable information) and insurance fraud.” The amended lawsuit filed in August names as plaintiffs five individuals who say their insurance plans were changed and two agencies who say they lost money when they were replaced as agents. The lawsuit accuses the defendants of 55 counts of wrongdoing, ranging from running ads offering thousands of dollars in cash that they knew would never be provided directly to consumers, switching millions of consumers into different insurance policies without their authorization, misstating their household incomes to make them eligible for $0 premium coverage, and “stealing” commissions by switching the agents listed in their accounts. TrueCoverage, Enhance Health, Protect Health, and some of their associates “engaged in hundreds of thousands of agent-of-record swaps to steal other agents’ commissions,” the suit states. “Using the Benefitalign and Inshura platforms, they created large spreadsheet lists of consumer names, dates of birth and zip codes.” They provided those spreadsheets to agents, it says, and instructed them to access platforms linked to the ACA marketplace and change the customers’ agents of record “without telling the client or providing informed consent.” “In doing so, they immediately captured the monthly commissions of agents ... who had originally worked with the consumers directly to sign them up,” the lawsuit asserts. TrueCoverage employees who complained about dealing with prospects who called looking for cash cards were routinely chided by supervisors who told them to be vague and keep making money, the suit says. When the Centers for Medicare and Medicaid Services began contacting the company in January about customer complaints, the suit says TrueCoverage enrollment supervisor Matthew Goldfuss sent an email instructing agents “do not respond.” The lawsuit states the “scheme” was made possible in 2021 when Congress passed the American Rescue Plan Act in the wake of the COVID pandemic. The act made it possible for Americans with household incomes between 100% and 150% of the federal poverty level to pay zero in premiums and it enabled those consumers to enroll in ACA plans all year round, instead of during the three-month open enrollment period from November to January. Experienced health insurance brokers recognized the opportunity presented by the changes, the lawsuit says. More than 40 million Americans live within 100% and 150% of the federal poverty level, while only 15 million had ACA insurance at the time. The defendants developed or benefited from online ads, the lawsuit says, which falsely promised “hundreds and sometimes thousands of dollars per month in cash benefits such as subsidy cards to pay for common expenses like rent, groceries, and gas.” Consumers who clicked on the ads were brought to a landing page that asked a few qualifying questions, and if their answers suggested that they might qualify for a low-cost or no-cost plan, they were provided a phone number to a health insurance agency. There was a major problem with the plan, according to the lawsuit. “Customers believe they are being routed to someone who will send them a free cash card, not enroll them in health insurance.” By law, the federal government sends subsidies for ACA plans to insurance companies, and not to individual consumers. Scripts were developed requiring agents not to mention a cash card, and if a customer mentions a cash card, “be vague” and tell the caller that only the insurance carrier can provide that information, the lawsuit alleges. In September, the defendants filed a motion to dismiss the claims. In addition to denying the charges, they argued that the class plaintiffs lacked the standing to make the accusations and failed to demonstrate that they suffered harm. The motion also argued that the lawsuit’s accusations failed to meet requirements necessary to claim civil violations of the RICO Act. Miami-based attorney Jason Kellogg, representing the plaintiffs, said he doesn’t expect a ruling on the motion to dismiss the case for several months. The complaint also lists nearly 50 companies, not named as defendants, that it says fed business to TrueCoverage and Enhance Health. Known in the industry as “downlines,” most operate in office parks throughout South Florida, the lawsuit says. The lawsuit quotes former TrueCoverage employees complaining about having to work with customers lured by false cash promises in the online ads. A former employee who worked in the company’s Deerfield Beach office was quoted in the lawsuit as saying that senior TrueCoverage and Speridian executives “knew that consumers were calling in response to the false advertisements promising cash cards and they pressured agents to use them to enroll consumers into ACA plans.” A former human resources manager for TrueCoverage said sales agents frequently complained “that they did not feel comfortable having to mislead consumers,” the lawsuit said. Over two dozen agents “came to me with these complaints and showed me the false advertisements that consumers who called in were showing them,” the lawsuit quoted the former manager as saying. For much of the time the companies operated, the ACA marketplace enabled agents to easily access customer accounts using their names and Social Security numbers, change their insurance plans and switch their agents of record without their knowledge or authorization, the lawsuit says. This resulted in customers’ original agents losing their commissions and many of the policyholders finding out they suddenly owed far more for health care services than their original plans had required, the suit states. It says that one of the co-plaintiffs’ health plans was changed at least 22 times without her consent. She first discovered that she had lost her original plan when she sought to renew a prescription for her heart condition and her doctor told her she did not have health insurance, the suit states. Another co-plaintiff’s policy was switched after her husband responded to one of the cash card advertisements, the lawsuit says. That couple’s insurance plan was switched multiple times after a TrueCoverage agent excluded the wife’s income from an application so the couple would qualify. Later, they received bills from the IRS for $4,300 to cover tax credits issued to pay for the plans. CMS barred TrueCoverage and BenefitAlign from accessing the ACA marketplace. It said it received more than 90,000 complaints about unauthorized plan switches and more than 183,500 complaints about unauthorized enrollments, but the agency did not attribute all of the complaints to activities by the two companies. In addition, CMS restricted all agents’ abilities to alter policyholders’ enrollment information, the lawsuit says. Now access is allowed only for agents that already represent policyholders or if the policyholder participates in a three-way call with an agent and a marketplace employee. Between June and October, the agency barred 850 agents and brokers from accessing the marketplace “for reasonable suspicion of fraudulent or abusive conduct related to unauthorized enrollments or unauthorized plan switches,” according to an October CMS news release . The changes resulted in a “dramatic and sustained drop” in unauthorized activity, including a nearly 70% decrease in plan changes associated with an agent or broker and a nearly 90% decrease in changes to agent or broker commission information, the release said. It added that while consumers were often unaware of such changes, the opportunity to make them provided “significant financial incentive for non-compliant agents and brokers.” But CMS’ restrictions might be having unintended consequences for law-abiding agents and brokers. A story published by Insurance News Net on Nov. 11 quoted the president of the Health Agents for America (HAFA) trade group as saying agents are being suspended by CMS after being flagged by a mysterious algorithm that no one can figure out. The story quotes HAFA president Ronnell Nolan as surmising, “maybe they wrote too many policies on the same day for people who have the same income or they’re writing too many policies on people of a certain occupation.” Nolan continued, “We have members who have thousands of ACA clients. They can’t update or renew their clients. So those consumers have lost access to their professional agent, which is simply unfair.” Ron Hurtibise covers business and consumer issues for the South Florida Sun Sentinel. He can be reached by phone at 954-356-4071, on Twitter @ronhurtibise or by email at rhurtibise@sunsentinel.com.

Pitcher Yusei Kikuchi and Los Angeles Angels agree to a $63 million, 3-year contract, AP source says A person familiar with the negotiations tells The Associated Press left-hander Yusei Kikuchi and the Los Angeles Angels have agreed to a $63 million, three-year contract. The person spoke on condition of anonymity because the deal, first reported by the New York Post, was subject to a successful physical. An All-Star with Seattle in 2021, Kikuchi was 9-10 with a 4.05 ERA this year for Toronto and Houston, which acquired him on July 30. Kikuchi was 5-1 with a 2.70 ERA in 10 starts with the Astros. He is 41-47 with a 4.57 ERA in six seasons. Formula 1 expands grid to add General Motors' Cadillac brand and new American team for 2026 season LAS VEGAS (AP) — Formula 1 will expand the grid in 2026 to make room for an American team that is partnered with General Motors. The approval ends years of wrangling that launched a federal investigation into why Colorado-based Liberty Media, would not approve the team initially started by Michael Andretti, who has since stepped aside. The 11th team will be called Cadillac F1 and be run by new Andretti Global majority owners Dan Towriss and Mark Walter. The team will use Ferrari engines its first two years until GM has a Cadillac engine built for competition in time for the 2028 season. US goalkeeper Alyssa Naeher is retiring from international soccer U.S. women’s national team goalkeeper Alyssa Naeher is retiring from international soccer. Naeher is on the team’s roster for a pair of upcoming matches in Europe but those will be her last after a full 11 years playing for the United States. Naeher was on the U.S. team that won the Women’s World Cup in 2019 and the gold medal at this year's Olympics in France. She’s the only U.S. goalkeeper to earn a shutout in both a World Cup and an Olympic final. Judge rejects request to sideline a San Jose State volleyball player on grounds she’s transgender A judge has rejected a request to block a San Jose State women’s volleyball team member from playing in a conference tournament on grounds that she’s transgender. Monday’s ruling by U.S. Magistrate Judge S. Kato Crews in Denver will allow the player to continue competing in the Mountain West Conference women’s championship in Las Vegas this week. His order also upholds the seedings and pairings in the tournament. The ruling comes after a lawsuit was filed by nine current players against the Mountain West Conference challenging the league’s policies for allowing transgender players to participate. The players argued that letting her compete was a safety risk and unfair. Conference title games a chance at a banner, bragging rights and, for some, a season-wrecking loss Indiana should be able to breathe easy. The Hoosiers have very little chance of making it to the Big Ten championship game. In the Southeastern Conference, Georgia has a spot in the league title game but with that comes a lot of worry. Conference title games give teams a chance to hang a banner, but for national title contenders it is an additional chance for a season-wrecking loss — even with an expanded 12-team College Football Playoff field. UCLA moves up to No. 1 in AP Top 25 women's basketball poll for first time in history UCLA has earned the school's first No. 1 ranking in in The Associated Press Top 25 women's basketball poll. The Bruins knocked off the previous top team, South Carolina, which had held the No. 1 spot for the previous 23 polls. UCLA moved up four spots. UConn remained No. 2. Notre Dame pulled off its own upset, beating then-No. 3 USC and moving up to third. South Carolina dropped to fourth, Texas is fifth and USC fell to sixth. Iowa is in the poll for the first time in the post-Caitlin Clark era, coming in at No. 22. Kansas stays at No. 1 ahead of showdown vs. No. 11 Duke; Ole Miss, Mississippi St back in AP Top 25 Kansas remained solidly entrenched at No. 1 in the AP Top 25 men’s college basketball poll ahead of its showdown with Duke in Las Vegas. The Jayhawks received 51 of 62 first-place votes from the national panel of media, putting them well ahead of two-time reigning national champion UConn, which was second with six first-place votes. Gonzaga was third with two first-place votes, Auburn was next with three, and Iowa State rounded out a top five that was unchanged from the previous week. Xavier, Ole Miss and Mississippi State entered the poll at the expense of Illinois, St. John's and Rutgers. Wake up the ghosts! Texas, Texas A&M rivalry that dates to 1894 is reborn AUSTIN, Texas (AP) — Any Texas or Texas A&M player who grew up in the state has heard the lore of the rivalry between the two schools, a grudge match that dates to 1894. But for more than a decade it has been only ghostly memories of great games and great plays made by heroes of the distant past. That changes this week when one of college football’s great rivalries is reborn after a 12-year hiatus. Third-ranked Texas plays at No. 20 Texas A&M with a berth in the conference championship game on the line. Week 12 was filled with sloppy play, especially on special teams: Analysis Week 12 was filled with sloppy play around the NFL, leading to some upsets and surprising outcomes. Jayden Daniels nearly led Washington to an improbable comeback down 10 in the final two minutes against Dallas only to fall short because Austin Seibert’s extra point sailed wide left. After a field goal and successful onside kick, Daniels connected with Terry McLaurin on an 86-yard catch-and-run touchdown to bring the Commanders within one point with 21 seconds remaining. But Seibert’s point-after attempt failed and the Cowboys returned the ensuing onside kick for a touchdown to seal a 34-26 victory. Cavaliers' unexpected 17-1 start to season also produces unexpected star: reserve guard Ty Jerome CLEVELAND (AP) — The M-V-P chants weren't only directed at Cleveland All-Star Donvan Mitchell on Sunday night. As the Cavaliers were improving to 17-1 overall and 10-0 at home, reserve guard Ty Jerome heard them while shooting a free throw. The Cavs' unexpected start has produced an unexpected rising star in Jerome, who played in just two games last season because of a severe ankle injury. Jerome has scored 29 and 26 points, respectively, in his last two games. But he's been a marvel since the season began for first-year coach Kenny Atkinson, who is finding it hard to take him off the floor.Opinion editor’s note: Strib Voices publishes a mix of commentary online and in print each day. To contribute, click here . ••• The long lines on election days across countries and continents suggest dynamic democracies. But despite the calendar aligning for a record-setting number of people worldwide eligible to vote this year, democracy itself is actually imperiled. That’s the clear conclusion from Freedom House, which said in its annual “ Freedom in the World ” report that “flawed elections and armed conflicts contributed to the 18th year of democratic decline.” The “breadth and depth of the deterioration was extensive,” the think tank reported, adding that “political rights and civil liberties were diminished in 52 countries, while only 21 countries saw improvements.” That analysis was amplified in a similarly grim report from the Economist Intelligence Unit, which starkly stated that “conflict and polarization drive a new low for global democracy.” This dire data corresponds with, and may have been caused by, a commensurate retreat in media freedom, as evidenced by Reporters Without Borders’ annual World Press Freedom Index , which warned that “press freedom around the world is being threatened by the very people who should be its guarantors — political authorities.” Indeed, if democracy were a stock, “it would have suffered something of a price correction over the last 20 years,” said Richard Haass , the president emeritus of the Council on Foreign Relations. Haass, a veteran envoy who served Republican and Democratic administrations, was speaking via video on Tuesday night at a Minnesota Peace Initiative forum called “The World Votes: Global Democracy at a Crossroads.” The event, held in Minneapolis at Norway House (fitting, considering Norway held the top spot in the World Press Freedom Index and along with fellow Scandinavian nations is ranked as the world’s most free by Freedom House), drew a capacity crowd with many more online to hear from Haass, me and three other panelists: Chad Vickery , vice president of global strategy and technical leadership at the International Foundation for Electoral Systems; Aram Gavoor , a former Justice Department official and current professor at the George Washington University Law School; and Thomas Hanson , diplomat-in-residence at the University of Minnesota Duluth. Haass cited several factors for his clear-eyed diagnosis of democracy, including technological transformations that have ushered in an unsettled media landscape. “We live in one of the odd moments in history where there’s never been greater access to information and never been greater access to disinformation,” Haass said, adding that citizens don’t know if information is “accurate, fully accurate, partially accurate or essentially inaccurate.” That’s to autocrats’ advantage, asserted Gavoor, who said that this country’s competitors “have sought to exploit the U.S. democratic system for quite some time.” The “age of technology, especially with social media,” he said, has “taken on a dramatically different dimension.” Mentioned as additional direct democratic threats were distributed denial-of-service attacks and “strategic foreign mis- and disinformation campaigns that oftentimes are quite opportunistic and play on various doubts in the minds of Americans.” Gavoor gave this good news, however: “The federal government has actually gotten quite adept and capable with regard to identifying foreign mis- and disinformation to the extent that there are significant bodies that exist to combat these things,” like the National Security Council and the Office of the Director of National Intelligence. But the threat to democracy from domestic disinformation is an even greater challenge, Gavoor said. And, he added, wherever the disinformation originates, the objective is similar. “Keep in mind that the end goal is not just to disrupt an American election or to cause a particular candidate to be advantaged or not. The end goal is to undermine the entire system of American governance and the faith in American democracy and perhaps greater softening of the resolve to maintain a democracy.” Disinformation is just one component corroding democratic norms within some countries, said Vickery. “We’ve learned how autocracy works: First, you have to win an election by popular vote, usually running against the elites in your country.” Next, he said, “you change the election laws, you game the system to make sure you can win again and not be challenged again.” “But then the third thing is you need to harass civil society in many places” — places like Norway House, he said. “After that, you need to pack the courts with judges who are going to support you, and then you want to enrich your cronies with corruption and then you buy up newspapers and television and make this propaganda machine.” If the democracy-tending attendees at Norway House were any indication, that’s not about to happen here. Indeed, the citizen engagement on display was considered a model by moderator Janet Dolan, who co-created the Minnesota Peace Initiative with her husband, William Moore. The other panelists concurred on Dolan’s admiration, and that along with a free press, such civic involvement should be inviolate in this country and the others it tries to inspire toward a democratic form of government. But the beacon that former Foreign Service officers like Hanson projected and protected on behalf of this country may not shine as bright in recent years. “I think many people in the world perceive that the American model of democracy is less compelling than it was, and that makes our work globally much more challenging,” said Hanson, who added, “and we’re beginning to see other narratives of contestation on democracy and on elections.” Hanson, who will hold his highly anticipated and attended Global Minnesota “ 2025 U.S. Foreign Policy Update ” on Jan. 23, began by saying he was “struck by the dichotomy between an agreed ‘recession of democracy’ and an unprecedented number of elections” this year. “I think that shows how elections nowadays are being used to legitimize variants of democracy.” Many “managed democracies around the world hold elections if they predetermine who can participate. This is the case in Russia. This is the case in Pakistan.” And, he added, “I hate to say it, but at the local level in our own country our two parties go to great lengths to prevent any third-party candidate from participating, which is a minor example of what I’m describing.” According to Vickery, those democracies, however managed or free and fair, have had results that can be categorized as “change-of-status elections” like in the U.S., U.K., South Africa, North Macedonia, Botswana, Senegal and others. Next are elections “solidifying power,” such as in Indonesia and Mexico. And more hopefully, there are examples of “bounce-back” democracies that through elections or civic action have gone “in the right direction,” including Sri Lanka and Bangladesh. While not as many will queue to choose their leaders next year, Vickery noted that there will be 102 elections in 68 nations affecting 1.2 billion citizens worldwide. So for many, 2025 will truly be an election year, even if globally it isn’t quite a year of elections like 2024. But democracy “is about more than voting,” said Haass. “We the citizens, we the people, have the obligation, and I would argue the self-interest, to exercise our democratic rights, to stay informed, to stay involved, and to make sure that those who are entrusted with outsized political power comport themselves and act consistent with the law, and act consistent with the norms that make our democracy what it is.” What it is can be credited in no small part to the kind of civil, civic engagement from groups like the Minnesota Peace Initiative and the involved, inspiring citizens attending Tuesday’s event.

It won’t be impossible to buy a house in 2025 — just be prepared to play on hard mode. According to a November 2024 report from ICE Mortgage Technology, the monthly principal and interest payment on an average-priced home is $2,385. While that’s not the highest it’s ever been, it’s still a sharp increase — nearly 80% — from just three years ago. In November 2021, when mortgage rates averaged 3%, the monthly principal and interest on an average-priced home was $1,327 per month. So here’s the key to buying in 2025: Look ahead, not back. Regret won’t help you budget for today’s new normal. And with this year’s election also in the rearview mirror, so is some uncertainty among buyers and sellers that historically slows the market during every presidential election cycle. “People have just been kind of sitting waiting to see what’s going to happen,” says Courtney Johnson Rose, president of the National Association of Real Estate Brokers, an industry group for Black real estate agents. “I’m hopeful that the new year will bring more attention to real estate, more excitement to real estate, and more opportunities for first-time home owners to get in the game.” Preparing to buy a house is a lot like dressing for the weather. It’s easier when the outlook is sunny — but with some planning, you can gear up to face any condition. Here’s what housing market experts are forecasting for the upcoming year. First, home prices: We’ll likely see more modest growth in 2025, a change from skyrocketing prices in recent years. After 16 consecutive months of year-over-year price increases, the median existing-home sales price hit $407,200 in October, according to the National Association of Realtors. In 2025, with more supply trickling in to temper price increases, NAR chief economist Lawrence Yun forecasts a median existing-home sales price of $410,700, up just 2% over this year. Next, housing inventory: Demand still outpaces supply. While we don’t expect a return to a buyer’s market, competition should be less cutthroat. Realtor.com forecasts a balanced market in 2025 with an average 4.1-month supply of homes for sale, up from an average 3.7-month supply so far in 2024. That would make 2025 the friendliest market for buyers since 2016, which had an average 4.4-month supply. Finally, mortgage rates: After topping 8% in October 2023, the 30-year mortgage rate has slowly eased into the 6.5%-7% range this year. Rate cuts from the Federal Reserve have helped nudge that downward. Despite earlier optimism, forecasters’ latest consensus is for rates to effectively plateau above 6% throughout 2025. That said, every year has its wild cards. In 2025, it’s still uncertain how President-elect Donald Trump and a Republican-led Congress might shake up regulations and tax policies that affect the U.S. housing market. National forecasts don’t analyze what matters most: Your personal cash flow. To get ready to buy, first meet with a financial advisor or use an online calculator to determine . You can also get free or low-cost advice from a housing counselor sponsored by the U.S. Department of Housing and Urban Development (HUD). Next, look into from state housing finance agencies, local governments, nonprofits and mortgage lenders. Your employer or labor union might offer assistance, too. First-time buyers with income below their area median have the most options, but repeat or higher-income borrowers can qualify for some programs as well. “I think that there’s a lot of free money being left out there,” Rose says. Your not-so-secret weapon for buying in 2025 just might be an experienced buyer’s agent. “Anybody can write a contract,” says Sharon Parker, associate broker with Tate & Foss Sotheby’s International Realty in Rye, New Hampshire. “But you need somebody who’s seen the market, the ups and downs, who knows how to get creative because every transaction is different.” Following a , buyers can now negotiate their agent’s compensation up front. (Previously, home sellers took on that task.) While new norms are still shaking out, Rose says she hasn’t seen too much drama since the change took effect in August. “So as long as buyers remember that we have to talk about this in the beginning of our relationship, everything typically works out fine,” she says. Finally, it’s time to shop for a mortgage. To get the best interest rate, get a quote with at least three different lenders. You could also delegate the shopping to a mortgage broker, who can compare quotes and even negotiate a lower rate on your behalf. Though brokers charge a fee, their access to more mortgage options and lower rates can often mean net savings overall. With a in hand, it’s go time. And you don’t have to wait until spring: If you’re ready to buy now, buyers have less competition and more negotiating power from December through February, so you could snag a deal. “The people who are selling and the people who are buying in the off season are very serious,” Parker says. “They’re not just lookie-loos.” However, lower inventory means fewer choices for buyers. So start your search prepared to compromise — a “good enough” house will still help you build equity. If a down payment or monthly mortgage payment is financially out of reach, there’s no shame in postponing your search to pad your savings. And owning a home isn’t the right lifestyle choice for everyone, with the ongoing commitment of money and time. But once you’re ready to buy — whether for the first time, or to upgrade or downsize — avoid the trap of waiting for a dip in mortgage rates. “Nobody can predict what the market, or the world, is going to do,” Parker says. “There is no better time than right now.” Mortgage rates will always fluctuate, and if they drop significantly, you can refinance. For first-time buyers, homeownership is a major financial glow-up — and the sooner you jump in, the longer you’ll have to build home equity. “Time value of money is really, really critical when it comes to real estate,” Rose says. “So I would always encourage somebody to buy as soon as you can and get the clock ticking.”Buying a house in 2025: your how-to guide

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The Canada Pension Plan (CPP) retirement pension varies because of factors such as length of contributions, age at which you start payments, and average earnings throughout your working life. The government website says the maximum CPP amount for 2025 if you claim at age 65 is $1,346.60. However, most CPP users receive only an average of $815 monthly (as of July 2024). The reason? You qualify for the maximum monthly pension if you have contributed at least 39 years between 18 and 65, and the contributions are the maximum amount. The maximum annual pensionable earning for 2025 is $71,300, an increase of $2,800 from the $68,500 threshold in 2024. This threshold refers to the income or earnings required to qualify for the maximum CPP payout. If you have not earned the maximum pensionable earnings for most of your working years, kiss your chances goodbye. CPP users won’t get much pension increase for the enhancements in 2019. Many current contributors to the fund will likely fall short, too. The remedy is to augment the average CPP pension with investment income. If you have money saved, consider buying . Note that the average pension of $815 is 60.5% of the maximum CPP pension. The difference is $531.60. Generous dividend payers like ( ) and ( ) can help you earn the amount. However, it takes time and patience to reach the goal. Given the average 6.62% dividend yield, you must invest or accumulate $48,200 worth of shares ($24,100 in each) to make half or $265.90. If you add the Old Age Security (OAS) of $713.34 (2024 max at 65), you’d have a total of $1,794.24. CIBC is a solid choice because it’s the top-performing big bank stock year to date (+48.29%). Besides the hefty 5.5% dividend yield, the dividend track record is 156 years and counting. The current share price is $91.11. As of this writing, the market cap is $61.61 billion. Canada’s fifth-largest bank did not disappoint investors in its recent quarterly performance. In the third quarter (Q3) fiscal 2024 (three months ending July 31, 2024), revenue and net income rose 13% and 25% year over year to $6.6 billion and $1.8 billion. Its president and chief executive officer (CEO), Victor Dodig, credits the disciplined client-focused strategy and diversified North American platform for the strong results. TC Energy is fresh from the spinoff of its liquids pipeline business. The $71.4 billion company is now a pure-play natural gas, natural gas storage, power and energy solutions provider. At $70.14 per share, current investors enjoy a 56.54% year-to-date gain on top of the 7.74% dividend yield. Management expects demand for natural gas to soar and is confident that TC Energy can meet the surge in demand. Four key growth projects worth an estimated $1.5 billion in gross capital expenditures will drive long-term growth. The reality for future retirees is that only a handful receive the maximum CPP pension. Fortunately, it’s not the not of the road. There are other ways to boost retirement income, like generating pension-like income from top dividend stocks.

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A banner hanging from on overpass along the southbound lane of I-83 that says, "Deny Defend Depose Health Care 4 All." Lloyd Fox | Baltimore Sun | Tribune News Service | Getty Images Major insurance stocks have fallen more than 6% since their closing prices last Tuesday, the day before the deadly shooting of Brian Thompson, CEO of UnitedHealth Group 's insurance arm, in midtown Manhattan. That includes UnitedHealth, CVS Health and Cigna , which operate three of the nation's largest private health insurers. Thompson, 50, led UnitedHealthcare, the largest private payer of health insurance benefits in the U.S. Luigi Mangione , 26, is accused of fatally shooting Thompson outside the Hilton hotel in midtown Manhattan early Wednesday last week, as the CEO headed to UnitedHealth Group's investor day. Investigators have said Mangione was a critic of the health-care industry, a view some Americans sympathized with online in the days after Thompson's death. The stock performance of the companies appears to be in response to the "renewed rhetoric" condemning insurers' business models, where they "wind up incredibly profitable at the expense of some patients at different points of the year," Jared Holz, Mizuho's health-care equity strategist, said in an interview. He noted that it is not a new theme in the industry, which many Americans blame for their spiraling health-care costs. "I think the response investors have had is, 'do we want to own this category of stocks if there's going to be this now renewed negative focus on the industry?'" Holz said. UnitedHealthcare, similar to other big insurers, has faced lawsuits and criticism from regulators, lawmakers and patients alike over allegedly denying claims to maximize their profits. Americans have criticized insurance companies over denied coverage for services or treatments, unexpected bills, hefty out-of-pocket costs and the dizzying complexity of navigating coverage, among other issues. While backlash to the industry has mounted since the shooting, Holz said the negative stock reaction will likely wind up being "fairly short-lived." He added that he does not expect insurance companies to make material changes to their policies in response to the killing. "Do I think companies do anything proactively different on the back of this? No," Holz said. Booking photo of Luigi Mangione in Huntingdon, Pennsylvania. Source: PA Department of Corrections New York prosecutors charged Mangione with second-degree murder, criminal possession of a loaded gun and other crimes Monday night, hours after his arrest in Altoona, Pennsylvania. The New York charges followed Mangione's first court appearance in Pennsylvania on separate gun and forgery counts. Mangione, a private-school valedictorian and Ivy League graduate who belongs to an influential Maryland family, was held without bail after his arraignment Monday evening. In a court hearing Tuesday afternoon, Mangione refused to waive his right to challenge his extradition to New York City. A judge denied Mangione's bail, sending him back to a Pennsylvania prison for the time being. At the time of his arrest, Mangione was carrying handwritten pages that criticized the U.S. health-care industry and singled out UnitedHealthcare, law enforcement officials told NBC News. "I do apologize for any strife or traumas but it had to be done. Frankly, these parasites simply had it coming," Mangione wrote, NBC reported. Authorities are still investigating the motive for the shooting, which will "come out as this investigation continues to unfold over the next weeks and months," New York City Police Commissioner Jessica Tisch told NBC's "TODAY" show on Tuesday. But she noted that Mangione's note had "anti-corporatist sentiment, a lot of issues with the health care industry." Don’t miss these insights from CNBC PRO This is the biggest AI winner two years after ChatGPT's debut — and it's not Nvidia Goldman Sachs has a trading strategy to score a few big wins before year end Bernstein says this tech stock is its best idea for 2025, could be added to S&P 500 Oracle is on pace for the best year since 1999. What led to the meteoric riseNEW YORK (AP) — There's no place like home for the holidays. And that may not necessarily be a good thing. In the wake of the very contentious and divisive 2024 presidential election, the upcoming celebration of Thanksgiving and the ramp-up of the winter holiday season could be a boon for some — a respite from the events of the larger world in the gathering of family and loved ones. Hours and even days spent with people who have played the largest roles in our lives. Another chapter in a lifetime of memories. That's one scenario. For others, that same period — particularly because of the polarizing presidential campaign — is something to dread. There is the likelihood of disagreements, harsh words, hurt feelings and raised voices looming large. Those who make a study of people and their relationships to each other in an increasingly complex 21st-century say there are choices that those with potentially fraught personal situations can make — things to do and things to avoid — that could help them and their families get through this time with a minimum of open conflict and a chance at getting to the point of the holidays in the first place. For those who feel strongly about the election's outcome, and know that the people they would be spending the holiday feel just as strongly in the other direction, take the time to honestly assess if you're ready to spend time together in THIS moment, barely a few weeks after Election Day — and a time when feelings are still running high. The answer might be that you're not, and it might be better to take a temporary break, says Justin Jones-Fosu, author of “I Respectfully Disagree: How to Have Difficult Conversations in a Divided World.” “You have to assess your own readiness,” he says, “Each person is going be very different in this.” He emphasizes that it's not about taking a permanent step back. “Right now is that moment that we’re talking about because it’s still so fresh. Christmas may be different.” Keep focused on why why you decided to go in the first place, Jones-Fosu says. Maybe it’s because there’s a relative there you don’t get to see often, or a loved one is getting up in age, or your kids want to see their cousins. Keeping that reason in mind could help you get through the time. If you decide getting together is the way to go, but you know politics is still a dicey subject, set a goal of making the holiday a politics-free zone and stick with it, says Karl Pillemer, a professor at Cornell University whose work includes research on family estrangement. “Will a political conversation change anyone’s mind?" he says. “If there is no possibility of changing anyone’s mind, then create a demilitarized zone and don’t talk about it.” Let’s be honest. Sometimes, despite best efforts and intentions to keep the holiday gathering politics- and drama-free, there’s someone who’s got something to say and is going to say it. In that case, avoid getting drawn into it, says Tracy Hutchinson, a professor in the graduate clinical mental health counseling program at the College of William & Mary in Virginia. “Not to take the hook is one of the most important things, and it is challenging,” she says. After all, you don’t have to go to every argument you’re invited to. If you risk getting caught up in the moment, consider engaging in what Pillemer calls “forward mapping.” This involves thinking medium and long term rather than just about right now — strategy rather than tactics. Maybe imagine yourself six months from now looking back on the dinner and thinking about the memories you'd want to have. “Think about how you would like to remember this holiday,” he says. “Do you want to remember it with your brother and sister-in-law storming out and going home because you’ve had a two-hour argument?” Things getting intense? Defuse the situation. Walk away. And it doesn't have to be in a huff. Sometimes a calm and collected time out is just what you — and the family — might need. Says Hutchinson: “If they do start to do something like that, you could say, `I’ve got to make this phone call. I’ve got to go to the bathroom. I’m going to take a walk around the block.'"Kroger Co. stock outperforms competitors on strong trading day