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2025-01-13
Back trouble and brain fog bothered suspect in UnitedHealthcare CEO killing, his posts show Social media posts from Luigi Mangione show the man suspected of killing UnitedHealthcare CEO Brian Thompson underwent successful back surgery last year that alleviated debilitating chronic pain. He repeatedly posted on Reddit about his recovery and offered words of encouragement for other people with similar conditions. But notably absent from the posts are explicit concerns about corporate greed within the health insurance industry. Those appear to have surfaced only later: in the handwritten manifesto recovered this week by police. Despite recent revelations about a potential motive, Mangione’s descent into rage and violence remains largely a mystery. Javascript is required for you to be able to read premium content. Please enable it in your browser settings.At a campaign event in Winston-Salem on the eve of the 1976 North Carolina Democratic primary, a voter asked then-candidate Jimmy Carter whether he was a “born again” Christian. Carter, a Southern Baptist Sunday-school teacher, replied that, yes, he was “born again,” thereby sending a legion of journalists from outside the Bible belt to their Rolodexes to figure out what in the world he was talking about. Carter sought throughout his life to act on the principles of his faith, which was defined in part by the extraordinary activism of 19th century evangelical Christians who worked assiduously on behalf of those Jesus called “the least of these.” They were involved in peace crusades and helped to organize public schools so that the children of those less affluent could become upwardly mobile. Northern evangelicals worked for the abolition of slavery. They supported prison reform and women’s suffrage. Carter’s progressive evangelicalism was very much in that tradition. He was sensitive to racial inequalities from a young age and tried to address them — as school board member, as governor and as president. He supported women’s equality, including the proposed Equal Rights Amendment. As president, Carter tried to nudge American foreign policy away from its reflexive Cold War dualism toward an emphasis on human rights. He recognized that if the United States were to have any meaningful relationship with Latin America, we needed to attenuate our colonialism, so he pushed through the ratification of the Panama Canal treaties. He advanced peace in the Middle East farther than any of his predecessors (or successors), and he appointed more women and people of color to federal office than any previous president. Many environmentalists consider him the best president ever for their cause. Carter’s failure to win reelection in 1980 devastated him. He departed Washington for Plains, Ga., at 56, the youngest president to leave office since William Howard Taft. Rosalynn was especially embittered by the election loss. In one of our interviews decades after the 1980 election, Carter told me that in the course of his frequent reassurances to his wife that they still had productive years ahead of them, he began to believe his own rhetoric. He also conceded that if he had been president for four more years, that second term would not have been nearly so fruitful as the alternative turned out to be. Carter’s post-presidency began with a middle-of-the-night idea. In addition to a presidential library, Jimmy told Rosalynn, “We can start an adjacent institution, something like Camp David, where people can come who are involved in a war. I can offer to serve as a mediator, in Atlanta or perhaps in their countries. We might also teach how to resolve or prevent conflict.” This would be an entirely new model for out-of-office presidents — a privately funded nonprofit center to advance his goals and allow him to address issues he would have pursued if he’d stayed in the White House. In a list of basic principles for the center, Carter stipulated that it would be nonpartisan and that it would not duplicate the programs of other institutions, such as the United Nations. Most important, Carter wanted an “action agency,” an institution devoted to change rather than simply “theoretical or academic analysis.” The Jimmy Carter Presidential Library and Museum, along with the Carter Center, was dedicated in Atlanta on Oct. 1, 1986, Carter’s 62nd birthday. His faith undeniably informed every effort at the center. Carter told an interviewer in 1988 that the life of Jesus had always been his guide. “I don’t see any disharmony in this life between evangelistic effort on the one hand and benevolent care of people who suffer or who are in need on the other,” he said. “I think they are intimately tied together.” Carter understood problems afflicting the world as spiritual challenges in part, noting that industrialized Western society had failed to adopt Christian principles of concern and caring. He believed that people of privilege, and especially people of faith, bore a special responsibility for those less fortunate, for those who suffer and are deprived. “That’s where Jesus spent all his ministry,” Carter said. Piety alone wasn’t sufficient; followers of Jesus must live out their convictions with acts of charity. Early on, Carter identified access to healthcare, including mental healthcare (one of Rosalynn’s concerns), as a fundamental human right, noting at one point that 40,000 children die every day from preventable diseases. Using education and simple, low-cost methods, the Carter Center’s health initiatives addressed “neglected tropical diseases”: lymphatic filariasis, trachoma, schistosomiasis and malaria. Other programs targeted guinea worm and river blindness (onchocerciasis), extraordinary initiatives that have achieved near eradication of those diseases in regions where the Carter Center has been active. Peace and conflict resolution, the second focus of the Carter Center, built on Carter’s success in negotiating the Camp David accords. “We need to deal with other people with mutual respect,” Carter told an audience at Messiah College in 1988, “and through that kind of approach there can be peaceful resolution of differences through the use of diplomacy and negotiation, not through the use of military power.” The center conducted programs on democracy and human rights and monitored elections in dozens of countries. Carter leveraged his relationships with world leaders to mediate various disputes, including those in Guyana, Ethiopia and Serbia. In 1994, Carter convinced Kim Il Sung to open North Korea’s nuclear reactors to inspectors. In Haiti the following year, U.S. military planes were headed toward the island when Carter, together with Colin Powell and Georgia Sen. Sam Nunn, persuaded the military junta to abandon power. Carter’s persistent efforts at conflict resolution, dating back to the Camp David accords of 1978, were recognized with the Nobel Peace Prize in 2002. Jimmy and Rosalynn, who died in November 2023, extended their public service beyond the Carter Center, too — most notably with Habitat for Humanity, which Carter once described as “the most practical, tangible way I’ve ever seen to put Christian principles into action.” During one of our conversations, Carter choked up when he told of completing a house for a woman and her family who had been living in an abandoned septic tank. Carter’s alternative “second term” lasted for more than four decades. Out of the ashes of political annihilation, he became not just an elder statesman and world-renowned humanitarian but arguably the most consequential of modern former presidents. James Laney, former president of Emory University, partner of the Carter Center, offered the best and most succinct characterization of the man from Plains. Carter, Laney remarked, was “the first president to use the White House as a stepping stone.” Randall Balmer, the John Phillips Professor in Religion at Dartmouth College, is the author of “Redeemer: The Life of Jimmy Carter.”COLUMBIA, South Carolina (AP) — Victims’ families and others affected by crimes that resulted in federal death row convictions shared a range of emotions on Monday, from relief to anger, after President Joe Biden commuted dozens of the sentences . Biden converted the sentences of 37 federal death row inmates to life imprisonment without the possibility of parole. The inmates include people who were convicted in the slayings of police, military officers and federal prisoners and guards. Others were involved in deadly robberies and drug deals. Three inmates will remain on federal death row: Dylann Roof , convicted of the 2015 racist slayings of nine Black members of Mother Emanuel AME Church in Charleston, South Carolina; the 2013 Boston Marathon Bomber, Dzhokhar Tsarnaev , and Robert Bowers, who fatally shot 11 congregants at Pittsburgh’s Tree of life Synagogue in 2018 , the deadliest antisemitic attack in U.S history. Opponents of the death penalty lauded Biden for a decision they’d long sought. Supporters of Donald Trump , a vocal advocate of expanding capital punishment, criticized the move as an assault to common decency just weeks before the president-elect takes office. Victims’ families and former colleagues share relief and anger Donnie Oliverio, a retired Ohio police officer whose partner, Bryan Hurst, was killed by an inmate whose death sentence was commuted, said the execution of “the person who killed my police partner and best friend would have brought me no peace.” “The president has done what is right here,” Oliverio said in a statement also issued by the White House. But Hurst’s widow, Marissa Gibson, called Biden’s commutation distressing and a “complete dismissal and undermining of the federal justice system,” in a statement to The Columbus Dispatch . Heather Turner, whose mother, Donna Major, was killed in a 2017 South Carolina bank robbery, called the commutation of the killer’s sentence a “clear gross abuse of power” in a Facebook post, adding the weeks she spent in court with the hope of justice “just a waste of time.” “At no point did the president consider the victims,” Turner wrote. “He, and his supporters, have blood on their hands.” Decision to leave Roof on death row met with conflicting emotions There has always been a broad range of opinions on what punishment Roof should face from the families of the nine people killed and the survivors of the massacre at the Mother Emanuel AME Church. Many forgave him, but some say they can’t forget and their forgiveness doesn’t mean they don’t want to see him put to death for what he did. Felicia Sanders survived the shooting shielding her granddaughter while watching Roof kill her son, Tywanza, and her aunt, Susie Jackson. Sanders brought her bullet-torn bloodstained Bible to his sentencing and said then she can’t even close her eyes to pray because Roof started firing during the closing prayer of Bible study that night. In a text message to her lawyer, Andy Savage, Sanders called Biden’s decision to not spare Roof’s life a wonderful Christmas gift. Michael Graham, whose sister, Cynthia Hurd, was killed, told The Associated Press that Roof’s lack of remorse and simmering white nationalism in the country means he is the kind of dangerous and evil person the death penalty is intended for. “This was a crime against a race of people,” Graham said. “It didn’t matter who was there, only that they were Black.” But the Rev. Sharon Richer, who was Tywanza Sanders’ cousin and whose mother, Ethel Lance, was killed, criticized Biden for not sparing Roof and clearing out all of death row. She said every time Roof’s case comes up through numerous appeals it is like reliving the massacre all over again. “I need the President to understand that when you put a killer on death row, you also put their victims’ families in limbo with the false promise that we must wait until there is an execution before we can begin to heal,” Richer said in a statement. Richer, a board member of Death Penalty Action, which seeks to abolish capital punishment, was driven to tears by conflicting emotions during a Zoom news conference Monday. “The families are left to be hostages for the years and years of appeals that are to come,” Richer said. “I’ve got to stay away from the news today. I’ve got to turn the TV off — because whose face am I going to see?” Biden is giving more attention to the three inmates he chose not to spare, something they all wanted as a part of what drove them to kill, said Abraham Bonowitz, Death Penalty Action’s executive director. “These three racists and terrorists who have been left on death row came to their crimes from political motivations. When Donald Trump gets to execute them what will really be happening is they will be given a global platform for their agenda of hatred,” Bonowitz said. Politicians and advocacy groups speak up Biden had faced pressure from advocacy organizations to commute federal death sentences, and several praised him for taking action in his final month in office. Anthony D. Romero, executive director of the ACLU, said in a statement that Biden “has shown our country — and the rest of the world — that the brutal and inhumane policies of our past do not belong in our future.” Republicans, including Sen. Tom Cotton of Arkansas, on the other hand, criticized the move — and argued its moral ground was shaky given the three exceptions. “Once again, Democrats side with depraved criminals over their victims, public order, and common decency,” Cotton wrote on X. “Democrats can’t even defend Biden’s outrageous decision as some kind of principled, across-the-board opposition to the death penalty since he didn’t commute the three most politically toxic cases.” Liz Murrill, Louisiana’s Republican attorney general, criticized the commuted sentence of Len Davis, a former New Orleans policeman convicted of orchestrating the killing of a woman who had filed a complaint against him. “We can’t trust the Feds to get justice for victims of heinous crimes, so it’s long past time for the state to get it done,” the tough-on-crime Republican said in a written statement to the AP. One inmate’s attorney expresses thanks — and his remorse Two men whose sentences were commuted were Norris Holder and Billie Jerome Allen, on death row for opening fire with assault rifles during a 1997 bank robbery in St. Louis, killing a guard, 46-year-old Richard Heflin. Holder’s attorney, Madeline Cohen, said in an email that Holder, who is Black, was sentenced to death by an all-white jury. She said his case “reflects many of the system’s flaws,” and thanked Biden for commuting his sentence. “Norris’ case exemplifies the racial bias and arbitrariness that led the President to commute federal death sentences,” Cohen said. “Norris has always been deeply remorseful for the pain his actions caused, and we hope this decision brings some measure of closure to Richard Heflin’s family.” ___ Swenson reported from Seattle. Associated Press writers Jim Salter in O’Fallon, Missouri, and Sara Cline in Baton Rouge, Louisiana, contributed to this report. More articles from the BDNsg777 manila

By HALELUYA HADERO The emergence of generative artificial intelligence tools that allow people to efficiently produce novel and detailed online reviews with almost no work has put merchants , service providers and consumers in uncharted territory, watchdog groups and researchers say. Related Articles National News | Bill Clinton is hospitalized with a fever but in good spirits, spokesperson says National News | 2 US Navy pilots shot down over Red Sea in apparent ‘friendly fire’ incident, US military says National News | Luigi Mangione pleads not guilty to state murder and other charges in United Healthcare CEO’s death National News | Biden gives life in prison to 37 of 40 federal death row inmates before Trump can resume executions National News | Lack of doggie day care rules leaves many pet owners in the dark Phony reviews have long plagued many popular consumer websites, such as Amazon and Yelp. They are typically traded on private social media groups between fake review brokers and businesses willing to pay. Sometimes, such reviews are initiated by businesses that offer customers incentives such as gift cards for positive feedback. But AI-infused text generation tools, popularized by OpenAI’s ChatGPT , enable fraudsters to produce reviews faster and in greater volume, according to tech industry experts. The deceptive practice, which is illegal in the U.S. , is carried out year-round but becomes a bigger problem for consumers during the holiday shopping season , when many people rely on reviews to help them purchase gifts. Where are AI-generated reviews showing up? Fake reviews are found across a wide range of industries, from e-commerce, lodging and restaurants, to services such as home repairs, medical care and piano lessons. The Transparency Company, a tech company and watchdog group that uses software to detect fake reviews, said it started to see AI-generated reviews show up in large numbers in mid-2023 and they have multiplied ever since. For a report released this month, The Transparency Company analyzed 73 million reviews in three sectors: home, legal and medical services. Nearly 14% of the reviews were likely fake, and the company expressed a “high degree of confidence” that 2.3 million reviews were partly or entirely AI-generated. “It’s just a really, really good tool for these review scammers,” said Maury Blackman, an investor and advisor to tech startups, who reviewed The Transparency Company’s work and is set to lead the organization starting Jan. 1. In August, software company DoubleVerify said it was observing a “significant increase” in mobile phone and smart TV apps with reviews crafted by generative AI. The reviews often were used to deceive customers into installing apps that could hijack devices or run ads constantly, the company said. The following month, the Federal Trade Commission sued the company behind an AI writing tool and content generator called Rytr, accusing it of offering a service that could pollute the marketplace with fraudulent reviews. The FTC, which this year banned the sale or purchase of fake reviews, said some of Rytr’s subscribers used the tool to produce hundreds and perhaps thousands of reviews for garage door repair companies, sellers of “replica” designer handbags and other businesses. It’s likely on prominent online sites, too Max Spero, CEO of AI detection company Pangram Labs, said the software his company uses has detected with almost certainty that some AI-generated appraisals posted on Amazon bubbled up to the top of review search results because they were so detailed and appeared to be well thought-out. But determining what is fake or not can be challenging. External parties can fall short because they don’t have “access to data signals that indicate patterns of abuse,” Amazon has said. Pangram Labs has done detection for some prominent online sites, which Spero declined to name due to non-disclosure agreements. He said he evaluated Amazon and Yelp independently. Many of the AI-generated comments on Yelp appeared to be posted by individuals who were trying to publish enough reviews to earn an “Elite” badge, which is intended to let users know they should trust the content, Spero said. The badge provides access to exclusive events with local business owners. Fraudsters also want it so their Yelp profiles can look more realistic, said Kay Dean, a former federal criminal investigator who runs a watchdog group called Fake Review Watch. To be sure, just because a review is AI-generated doesn’t necessarily mean its fake. Some consumers might experiment with AI tools to generate content that reflects their genuine sentiments. Some non-native English speakers say they turn to AI to make sure they use accurate language in the reviews they write. “It can help with reviews (and) make it more informative if it comes out of good intentions,” said Michigan State University marketing professor Sherry He, who has researched fake reviews. She says tech platforms should focus on the behavioral patters of bad actors, which prominent platforms already do, instead of discouraging legitimate users from turning to AI tools. What companies are doing Prominent companies are developing policies for how AI-generated content fits into their systems for removing phony or abusive reviews. Some already employ algorithms and investigative teams to detect and take down fake reviews but are giving users some flexibility to use AI. Spokespeople for Amazon and Trustpilot, for example, said they would allow customers to post AI-assisted reviews as long as they reflect their genuine experience. Yelp has taken a more cautious approach, saying its guidelines require reviewers to write their own copy. “With the recent rise in consumer adoption of AI tools, Yelp has significantly invested in methods to better detect and mitigate such content on our platform,” the company said in a statement. The Coalition for Trusted Reviews, which Amazon, Trustpilot, employment review site Glassdoor, and travel sites Tripadvisor, Expedia and Booking.com launched last year, said that even though deceivers may put AI to illicit use, the technology also presents “an opportunity to push back against those who seek to use reviews to mislead others.” “By sharing best practice and raising standards, including developing advanced AI detection systems, we can protect consumers and maintain the integrity of online reviews,” the group said. The FTC’s rule banning fake reviews, which took effect in October, allows the agency to fine businesses and individuals who engage in the practice. Tech companies hosting such reviews are shielded from the penalty because they are not legally liable under U.S. law for the content that outsiders post on their platforms. Tech companies, including Amazon, Yelp and Google, have sued fake review brokers they accuse of peddling counterfeit reviews on their sites. The companies say their technology has blocked or removed a huge swath of suspect reviews and suspicious accounts. However, some experts say they could be doing more. “Their efforts thus far are not nearly enough,” said Dean of Fake Review Watch. “If these tech companies are so committed to eliminating review fraud on their platforms, why is it that I, one individual who works with no automation, can find hundreds or even thousands of fake reviews on any given day?” Spotting fake AI-generated reviews Consumers can try to spot fake reviews by watching out for a few possible warning signs , according to researchers. Overly enthusiastic or negative reviews are red flags. Jargon that repeats a product’s full name or model number is another potential giveaway. When it comes to AI, research conducted by Balázs Kovács, a Yale professor of organization behavior, has shown that people can’t tell the difference between AI-generated and human-written reviews. Some AI detectors may also be fooled by shorter texts, which are common in online reviews, the study said. However, there are some “AI tells” that online shoppers and service seekers should keep it mind. Panagram Labs says reviews written with AI are typically longer, highly structured and include “empty descriptors,” such as generic phrases and attributes. The writing also tends to include cliches like “the first thing that struck me” and “game-changer.”

NEW YORK (AP) — The man accused of fatally shooting the CEO of UnitedHealthcare pleaded not guilty on Monday to state murder and terror charges while his attorney complained that comments coming from New York’s mayor would make it tough to receive a fair trial. Luigi Mangione, 26, was shackled and seated in a Manhattan court when he leaned over to a microphone to enter his plea. The Manhattan district attorney charged him last week with multiple counts of murder, including murder as an act of terrorism . Mangione's initial appearance in New York’s state trial court was preempted by federal prosecutors bringing their own charges over the shooting. The federal charges could carry the possibility of the death penalty, while the maximum sentence for the state charges is life in prison without parole. Prosecutors have said the two cases will proceed on parallel tracks , with the state charges expected to go to trial first. One of Mangione’s attorneys told a judge that government officials, including New York Mayor Eric Adams, have turned Mangione into a political pawn, robbing him of his rights as a defendant and tainting the jury pool. “I am very concerned about my client’s right to a fair trial,” said Karen Friedman Agnifilo. Adams and Police Commissioner Jessica Tisch stood among a throng of heavily armed officers last Thursday when Mangione was flown to a Manhattan heliport and escorted up a pier after being extradited from Pennsylvania. Friedman Agnifilo said police turned Mangione’s return to New York into a choreographed spectacle. “He was on display for everyone to see in the biggest stage perp walk I’ve ever seen in my career. It was absolutely unnecessary,” she said. In a statement, Adams spokesperson Kayla Mamelak Altus said: “Critics can say all they want, but showing up to support our law enforcement and sending the message to New Yorkers that violence and vitriol have no place in our city is who Mayor Eric Adams is to his core.” “The cold-blooded assassination of Brian Thompson — a father of two — and the terror it infused on the streets of New York City for days has since been sickeningly glorified, shining a spotlight on the darkest corners of the internet,” Mamelak Altus said. Friedman Agnifilo also accused federal and state prosecutors of advancing conflicting legal theories, calling their approach confusing and highly unusual. “He is being treated like a human pingpong ball between warring jurisdictions here,” she said Monday. State trial court Judge Gregory Carro said he has little control over what happens outside the courtroom, but can guarantee Mangione will receive a fair trial. Authorities say Mangione gunned down Thompson as he was walking to an investor conference in midtown Manhattan on the morning of Dec 4. Mangione was arrested in a Pennsylvania McDonald’s after a five-day search, carrying a gun that matched the one used in the shooting and a fake ID, police said. He also was carrying a notebook expressing hostility toward the health insurance industry and especially wealthy executives, according to federal prosecutors. At a news conference last week, Manhattan District Attorney Alvin Bragg said the application of the terrorism law reflected the severity of a “frightening, well-planned, targeted murder that was intended to cause shock and attention and intimidation.” “In its most basic terms, this was a killing that was intended to evoke terror,” he added. Mangione is being held in a Brooklyn federal jail alongside several other high-profile defendants, including Sean “Diddy” Combs and Sam Bankman-Fried. During his court appearance Monday, he smiled at times when talking with his attorneys and stretched his right hand after an officer removed his cuffs. Outside the courthouse, a few dozen supporters chanted, “Free Luigi,” over the blare of a trumpet. Natalie Monarrez, a 55-year-old Staten Island resident, said she joined the demonstration because she lost both her mother and her life savings as a result of denied insurance claims. “As extreme as it was, it jolted the conversation that we need to deal with this issue,” she said of the shooting. “Enough is enough, people are fed up.” An Ivy-league graduate from a prominent Maryland family, Mangione appeared to have cut himself off from family and friends in recent months. He posted frequently in online forums about his struggles with back pain. He was never a UnitedHealthcare client , according to the insurer. Thompson, a married father of two high-schoolers, had worked at the giant UnitedHealth Group for 20 years and became CEO of its insurance arm in 2021. The killing has prompted some to voice their resentment at U.S. health insurers, with Mangione serving as a stand-in for frustrations over coverage denials and hefty medical bills. It also has sent shockwaves through the corporate world , rattling executives who say they have received a spike in threats.IN BRIEF: • AI-driven payroll solutions streamline complex international payroll operations, reducing errors and enhancing efficiency. • Automating payroll processes with AI improves accuracy, compliance, and employee satisfaction. • AI-powered chatbots provide quick, accurate responses to payroll inquiries, simplifying workloads and enhancing the employee experience. M anaging payroll for a global workforce presents a myriad of challenges due to constantly evolving political, legal, social, and economic factors. These changes impact regulatory requirements and reporting, making it difficult to navigate diverse labor laws, tax regulations, data privacy standards, and payment procedures. Consequently, the dynamic conditions increase employee inquiries, complicating payroll management. Companies need efficient, accurate, and cost-effective methods to address these inquiries, enhancing employee satisfaction and trust. CHALLENGES OF GLOBAL PAYROLL MANAGEMENT Payroll errors and delayed responses can lead to fines, damage organizational reputation, and frustrate employees, affecting costs and related functions like recruitment and retention. While preventing errors is crucial, traditional methods for handling these challenges are often costly and ineffective. Businesses are ready for an innovation — a solution that offers something greater than the sum of its parts. Finding a time-efficient, cost-effective, innovative, and globally adaptable solution that can grow with the organization demands taking stock of the entire system and adding something more: an ecosystem approach. HOW AI CAN HELP Artificial intelligence (AI) presents a significant opportunity to transform payroll functions and enhance efficiency. By automating data collection and analysis, AI can identify trends and anomalies, providing real-time insights into payroll performance. This technology can help monitor payroll metrics, track progress against targets, and identify areas where additional investment or action is needed. By leveraging AI, companies can improve the accuracy and reliability of their payroll processes while freeing up time and resources for more strategic activities. CASE STUDY: AI-DRIVEN PAYROLL SOLUTIONS Many organizations face the challenge of managing complex international payroll operations. One company needed a quick and accurate communication platform with their employees that would answer country- and employee-specific payroll questions within a broader global payroll operations environment. Weighing the desired outcomes and challenges, the company implemented an AI-driven payroll chatbot. This chatbot addressed employee payroll questions efficiently and accurately, providing accessible answers to employee questions easily and quickly. The cloud-enabled development of a large language model helped create a payroll chatbot capable of answering complex employee questions. The chatbot solved the company’s payroll needs in a way that was efficient for them as the employer, but it was also incredibly effective and beneficial for their employees. After the initial launch of a pilot version, the company scaled it to an enterprise-ready payroll chatbot that answered complex payroll questions by using an underlying large language model and vast compliance data. This solution helped reduce the burden on the employer while personalizing the employee experience. In very real terms, there were improvements across the board in providing accurate answers to queries, employee satisfaction, and first call resolution. There was also an overwhelming decrease in cost to serve. This is just one example of how AI can help accelerate and improve payroll management while simplifying the workload. AN INTEGRATED GLOBAL PAYROLL SOLUTION Taking control and driving efficiency with an integrated global payroll solution involves transforming global payrolls through a unified managed services approach, integrating domestic, mobile, and global payroll services. A centralized, modular platform handles the complexities of an international workforce, connecting legal, advisory, and compliance knowledge for an integrated payroll experience. In today’s fast-paced world, where talent is the key resource, managing the payroll of an increasingly international workforce has become complex and time-consuming. The rapid pace of regulatory compliance, labor and privacy law changes, managing the life experience of employees, and the scarcity of payroll talent are just a few of the hurdles that organizations face. Traditional payroll models struggle to keep up with modern business demands and new ways of working. The risks of noncompliance, data privacy issues, and the high costs and inefficiency of managing multiple vendors are significant challenges. Taking initiative involves governance, oversight, and control. It means having single-process ownership across employee entitlement, compliance requirements, and pay distribution. This approach provides a unified view of data, reduces duplication, ensures consistent decisions and reporting, and offers a holistic view of talent and compliance, enabling organizations to plan. Driving efficiency requires providing direct access to all subject-matter-experts and enabling effective risk management across the entire employee population. It helps reduce cost and labor leakage that occurs with disparate vendors, duplication of effort, gaps in essential knowledge and process, and inadequate business controls. Additionally, it improves in-house technology and data assets. Planning enhances the employee experience through advanced technology, streamlined processes, and easy access to on-the-ground knowledge. It also reduces the cost of developing and modifying technology. THE FUTURE OF PAYROLL A next-generation payroll managed service approach combines global reach and deep capabilities, consistent multiservice integration, and direct access to teams across the globe. Across payroll, labor and employment law, and mobility, teams can work together collaboratively to meet workforce compliance needs wherever they are. Global processes, technology, and data models are smoothly integrated, providing a single, cohesive, high-quality service. Access to core service delivery without subcontracting to third parties helps ensure effective communication and improved performance. Being part of an ecosystem facilitates the provision of comprehensive solutions beyond payroll, leveraging deep knowledge to address unique challenges. Organizations can address global payroll operational and service challenges by leveraging AI technology to create innovative solutions, such as a payroll chatbot. The proper use of AI can help simplify employer workload, answer complex payroll employee queries, provide regulatory compliance information, and enhance employee experience, leading to increased operational efficiency. This article is for general information only and is not a substitute for professional advice where the facts and circumstances warrant. The views and opinions expressed above are those of the author and do not necessarily represent the views of SGV & Co. Aaron C. Escartin is a tax partner and Philippine Payroll Operate leader of SGV & Co.

Lottery player has hard time believing huge win is real in Michigan. ‘Amazing feeling’

ATLANTA (AP) — Jimmy Carter, the peanut farmer who won the presidency in the wake of the Watergate scandal and Vietnam War, endured humbling defeat after one tumultuous term and then redefined life after the White House as a global humanitarian, has died. He was 100 years old. The longest-lived American president died on Sunday, more than a year after entering hospice care , at his home in the small town of Plains, Georgia, where he and his wife, Rosalynn, who died at 96 in November 2023 , spent most of their lives, The Carter Center said. “Our founder, former U.S. President Jimmy Carter, passed away this afternoon in Plains, Georgia,” the center simply said in posting about Carter's death on the social media platform X. Businessman, Navy officer, evangelist, politician, negotiator, author, woodworker, citizen of the world — Carter forged a path that still challenges political assumptions and stands out among the 45 men who reached the nation’s highest office. The 39th president leveraged his ambition with a keen intellect, deep religious faith and prodigious work ethic, conducting diplomatic missions into his 80s and building houses for the poor well into his 90s. “My faith demands — this is not optional — my faith demands that I do whatever I can, wherever I am, whenever I can, for as long as I can, with whatever I have to try to make a difference,” Carter once said. A president from Plains A moderate Democrat, Carter entered the 1976 presidential race as a little-known Georgia governor with a broad smile, outspoken Baptist mores and technocratic plans reflecting his education as an engineer. His no-frills campaign depended on public financing, and his promise not to deceive the American people resonated after Richard Nixon’s disgrace and U.S. defeat in southeast Asia. “If I ever lie to you, if I ever make a misleading statement, don’t vote for me. I would not deserve to be your president,” Carter repeated before narrowly beating Republican incumbent Gerald Ford, who had lost popularity pardoning Nixon. Carter governed amid Cold War pressures, turbulent oil markets and social upheaval over racism, women’s rights and America’s global role. His most acclaimed achievement in office was a Mideast peace deal that he brokered by keeping Egyptian President Anwar Sadat and Israeli Prime Minister Menachem Begin at the bargaining table for 13 days in 1978. That Camp David experience inspired the post-presidential center where Carter would establish so much of his legacy. Yet Carter’s electoral coalition splintered under double-digit inflation, gasoline lines and the 444-day hostage crisis in Iran. His bleakest hour came when eight Americans died in a failed hostage rescue in April 1980, helping to ensure his landslide defeat to Republican Ronald Reagan. Carter acknowledged in his 2020 “White House Diary” that he could be “micromanaging” and “excessively autocratic,” complicating dealings with Congress and the federal bureaucracy. He also turned a cold shoulder to Washington’s news media and lobbyists, not fully appreciating their influence on his political fortunes. “It didn’t take us long to realize that the underestimation existed, but by that time we were not able to repair the mistake,” Carter told historians in 1982, suggesting that he had “an inherent incompatibility” with Washington insiders. Carter insisted his overall approach was sound and that he achieved his primary objectives — to “protect our nation’s security and interests peacefully” and “enhance human rights here and abroad” — even if he fell spectacularly short of a second term. And then, the world Ignominious defeat, though, allowed for renewal. The Carters founded The Carter Center in 1982 as a first-of-its-kind base of operations, asserting themselves as international peacemakers and champions of democracy, public health and human rights. “I was not interested in just building a museum or storing my White House records and memorabilia,” Carter wrote in a memoir published after his 90th birthday. “I wanted a place where we could work.” That work included easing nuclear tensions in North and South Korea, helping to avert a U.S. invasion of Haiti and negotiating cease-fires in Bosnia and Sudan. By 2022, The Carter Center had declared at least 113 elections in Latin America, Asia and Africa to be free or fraudulent. Recently, the center began monitoring U.S. elections as well. Carter’s stubborn self-assuredness and even self-righteousness proved effective once he was unencumbered by the Washington order, sometimes to the point of frustrating his successors . He went “where others are not treading,” he said, to places like Ethiopia, Liberia and North Korea, where he secured the release of an American who had wandered across the border in 2010. “I can say what I like. I can meet whom I want. I can take on projects that please me and reject the ones that don’t,” Carter said. He announced an arms-reduction-for-aid deal with North Korea without clearing the details with Bill Clinton’s White House. He openly criticized President George W. Bush for the 2003 invasion of Iraq. He also criticized America’s approach to Israel with his 2006 book “Palestine: Peace Not Apartheid.” And he repeatedly countered U.S. administrations by insisting North Korea should be included in international affairs, a position that most aligned Carter with Republican President Donald Trump. Among the center’s many public health initiatives, Carter vowed to eradicate the guinea worm parasite during his lifetime, and nearly achieved it: Cases dropped from millions in the 1980s to nearly a handful. With hardhats and hammers, the Carters also built homes with Habitat for Humanity. The Nobel committee’s 2002 Peace Prize cites his “untiring effort to find peaceful solutions to international conflicts, to advance democracy and human rights, and to promote economic and social development.” Carter should have won it alongside Sadat and Begin in 1978, the chairman added. Carter accepted the recognition saying there was more work to be done. “The world is now, in many ways, a more dangerous place,” he said. “The greater ease of travel and communication has not been matched by equal understanding and mutual respect.” ‘An epic American life’ Carter’s globetrotting took him to remote villages where he met little “Jimmy Carters,” so named by admiring parents. But he spent most of his days in the same one-story Plains house — expanded and guarded by Secret Service agents — where they lived before he became governor. He regularly taught Sunday School lessons at Maranatha Baptist Church until his mobility declined and the coronavirus pandemic raged. Those sessions drew visitors from around the world to the small sanctuary where Carter will receive his final send-off after a state funeral at Washington’s National Cathedral. The common assessment that he was a better ex-president than president rankled Carter and his allies. His prolific post-presidency gave him a brand above politics, particularly for Americans too young to witness him in office. But Carter also lived long enough to see biographers and historians reassess his White House years more generously. His record includes the deregulation of key industries, reduction of U.S. dependence on foreign oil, cautious management of the national debt and notable legislation on the environment, education and mental health. He focused on human rights in foreign policy, pressuring dictators to release thousands of political prisoners . He acknowledged America’s historical imperialism, pardoned Vietnam War draft evaders and relinquished control of the Panama Canal. He normalized relations with China. “I am not nominating Jimmy Carter for a place on Mount Rushmore,” Stuart Eizenstat, Carter’s domestic policy director, wrote in a 2018 book. “He was not a great president” but also not the “hapless and weak” caricature voters rejected in 1980, Eizenstat said. Rather, Carter was “good and productive” and “delivered results, many of which were realized only after he left office.” Madeleine Albright, a national security staffer for Carter and Clinton’s secretary of state, wrote in Eizenstat’s forward that Carter was “consequential and successful” and expressed hope that “perceptions will continue to evolve” about his presidency. “Our country was lucky to have him as our leader,” said Albright, who died in 2022. Jonathan Alter, who penned a comprehensive Carter biography published in 2020, said in an interview that Carter should be remembered for “an epic American life” spanning from a humble start in a home with no electricity or indoor plumbing through decades on the world stage across two centuries. “He will likely go down as one of the most misunderstood and underestimated figures in American history,” Alter told The Associated Press. A small-town start James Earl Carter Jr. was born Oct. 1, 1924, in Plains and spent his early years in nearby Archery. His family was a minority in the mostly Black community, decades before the civil rights movement played out at the dawn of Carter’s political career. Carter, who campaigned as a moderate on race relations but governed more progressively, talked often of the influence of his Black caregivers and playmates but also noted his advantages: His land-owning father sat atop Archery’s tenant-farming system and owned a main street grocery. His mother, Lillian , would become a staple of his political campaigns. Seeking to broaden his world beyond Plains and its population of fewer than 1,000 — then and now — Carter won an appointment to the U.S. Naval Academy, graduating in 1946. That same year he married Rosalynn Smith, another Plains native, a decision he considered more important than any he made as head of state. She shared his desire to see the world, sacrificing college to support his Navy career. Carter climbed in rank to lieutenant, but then his father was diagnosed with cancer, so the submarine officer set aside his ambitions of admiralty and moved the family back to Plains. His decision angered Rosalynn, even as she dived into the peanut business alongside her husband. Carter again failed to talk with his wife before his first run for office — he later called it “inconceivable” not to have consulted her on such major life decisions — but this time, she was on board. “My wife is much more political,” Carter told the AP in 2021. He won a state Senate seat in 1962 but wasn’t long for the General Assembly and its back-slapping, deal-cutting ways. He ran for governor in 1966 — losing to arch-segregationist Lester Maddox — and then immediately focused on the next campaign. Carter had spoken out against church segregation as a Baptist deacon and opposed racist “Dixiecrats” as a state senator. Yet as a local school board leader in the 1950s he had not pushed to end school segregation even after the Supreme Court's Brown v. Board of Education decision, despite his private support for integration. And in 1970, Carter ran for governor again as the more conservative Democrat against Carl Sanders, a wealthy businessman Carter mocked as “Cufflinks Carl.” Sanders never forgave him for anonymous, race-baiting flyers, which Carter disavowed. Ultimately, Carter won his races by attracting both Black voters and culturally conservative whites. Once in office, he was more direct. “I say to you quite frankly that the time for racial discrimination is over,” he declared in his 1971 inaugural address, setting a new standard for Southern governors that landed him on the cover of Time magazine. 'Jimmy Who?' His statehouse initiatives included environmental protection, boosting rural education and overhauling antiquated executive branch structures. He proclaimed Martin Luther King Jr. Day in the slain civil rights leader’s home state. And he decided, as he received presidential candidates in 1972, that they were no more talented than he was. In 1974, he ran Democrats’ national campaign arm. Then he declared his own candidacy for 1976. An Atlanta newspaper responded with the headline: “Jimmy Who?” The Carters and a “Peanut Brigade” of family members and Georgia supporters camped out in Iowa and New Hampshire, establishing both states as presidential proving grounds. His first Senate endorsement: a young first-termer from Delaware named Joe Biden. Yet it was Carter’s ability to navigate America’s complex racial and rural politics that cemented the nomination. He swept the Deep South that November, the last Democrat to do so, as many white Southerners shifted to Republicans in response to civil rights initiatives. A self-declared “born-again Christian,” Carter drew snickers by referring to Scripture in a Playboy magazine interview, saying he “had looked on many women with lust. I’ve committed adultery in my heart many times.” The remarks gave Ford a new foothold and television comedians pounced — including NBC’s new “Saturday Night Live” show. But voters weary of cynicism in politics found it endearing. Carter chose Minnesota Sen. Walter “Fritz” Mondale as his running mate on a “Grits and Fritz” ticket. In office, he elevated the vice presidency and the first lady’s office. Mondale’s governing partnership was a model for influential successors Al Gore, Dick Cheney and Biden. Rosalynn Carter was one of the most involved presidential spouses in history, welcomed into Cabinet meetings and huddles with lawmakers and top aides. The Carters presided with uncommon informality: He used his nickname “Jimmy” even when taking the oath of office, carried his own luggage and tried to silence the Marine Band’s “Hail to the Chief.” They bought their clothes off the rack. Carter wore a cardigan for a White House address, urging Americans to conserve energy by turning down their thermostats. Amy, the youngest of four children, attended District of Columbia public school. Washington’s social and media elite scorned their style. But the larger concern was that “he hated politics,” according to Eizenstat, leaving him nowhere to turn politically once economic turmoil and foreign policy challenges took their toll. Accomplishments, and ‘malaise’ Carter partially deregulated the airline, railroad and trucking industries and established the departments of Education and Energy, and the Federal Emergency Management Agency. He designated millions of acres of Alaska as national parks or wildlife refuges. He appointed a then-record number of women and nonwhite people to federal posts. He never had a Supreme Court nomination, but he elevated civil rights attorney Ruth Bader Ginsburg to the nation’s second highest court, positioning her for a promotion in 1993. He appointed Paul Volker, the Federal Reserve chairman whose policies would help the economy boom in the 1980s — after Carter left office. He built on Nixon’s opening with China, and though he tolerated autocrats in Asia, pushed Latin America from dictatorships to democracy. But he couldn’t immediately tame inflation or the related energy crisis. And then came Iran. After he admitted the exiled Shah of Iran to the U.S. for medical treatment, the American Embassy in Tehran was overrun in 1979 by followers of the Ayatollah Ruhollah Khomeini. Negotiations to free the hostages broke down repeatedly ahead of the failed rescue attempt. The same year, Carter signed SALT II, the new strategic arms treaty with Leonid Brezhnev of the Soviet Union, only to pull it back, impose trade sanctions and order a U.S. boycott of the Moscow Olympics after the Soviets invaded Afghanistan. Hoping to instill optimism, he delivered what the media dubbed his “malaise” speech, although he didn’t use that word. He declared the nation was suffering “a crisis of confidence.” By then, many Americans had lost confidence in the president, not themselves. Carter campaigned sparingly for reelection because of the hostage crisis, instead sending Rosalynn as Sen. Edward M. Kennedy challenged him for the Democratic nomination. Carter famously said he’d “kick his ass,” but was hobbled by Kennedy as Reagan rallied a broad coalition with “make America great again” appeals and asking voters whether they were “better off than you were four years ago.” Reagan further capitalized on Carter’s lecturing tone, eviscerating him in their lone fall debate with the quip: “There you go again.” Carter lost all but six states and Republicans rolled to a new Senate majority. Carter successfully negotiated the hostages’ freedom after the election, but in one final, bitter turn of events, Tehran waited until hours after Carter left office to let them walk free. 'A wonderful life' At 56, Carter returned to Georgia with “no idea what I would do with the rest of my life.” Four decades after launching The Carter Center, he still talked of unfinished business. “I thought when we got into politics we would have resolved everything,” Carter told the AP in 2021. “But it’s turned out to be much more long-lasting and insidious than I had thought it was. I think in general, the world itself is much more divided than in previous years.” Still, he affirmed what he said when he underwent treatment for a cancer diagnosis in his 10th decade of life. “I’m perfectly at ease with whatever comes,” he said in 2015 . “I’ve had a wonderful life. I’ve had thousands of friends, I’ve had an exciting, adventurous and gratifying existence.” ___ Former Associated Press journalist Alex Sanz contributed to this report. Bill Barrow, The Associated PressMEXICO CITY — In recent days, Mexican President Claudia Sheinbaum has touted her country’s largest-ever seizure of fentanyl and highlighted multiple crackdowns on migrants headed toward to the United States. She was speaking to the press, but her most important audience is U.S. President-elect Donald Trump. Her campaign is widely seen as a desperate effort to head off his pledge to impose a 25% tariff on Mexican goods when he takes office next month. “The timing is no coincidence,” said Eduardo Guerrero, a security analyst in Mexico City. “President Sheinbaum’s agenda has changed radically with the triumph of Trump and with the threats he directed at Mexico.” There is deep anxiety here about the potentially devastating impacts of tariffs on an already sluggish economy that is heavily dependent on trade. The United States accounts for more than 80% of Mexico’s exports. “They were clearly not prepared for Trump winning the way he won, and Trump saying the things he has said since the election,” said Jorge Castañeda, a former foreign secretary. “So they are doing what they can to catch up, a little on the fly. To make Trump and the Americans in general feel like she is trying to do things to make Trump happy.” A telephone conversation between the two leaders didn’t seem to help. An elated Trump reported after the call on social media that Sheinbaum had “agreed to stop Migration through Mexico” and had committed to “effectively closing our Southern Border.” Sheinbaum disputed that, saying that Mexico’s position was not to close borders, but “to build bridges between governments and communities.” Mexican officials have been enlisting U.S. corporations, politicians and others to help dissuade Trump from imposing tariffs. “It’s better for Mexico to know about the tariff threat beforehand,” said Sofía Ramírez, who heads the economic think tank México, ¿cómo vamos? “This way they can at least formulate a response.” Officials even launched a highly publicized offensive against contraband goods from Asia, raiding a shopping center in downtown Mexico City and seizing thousands of toys and other products — an operation widely seen as a preemptive strike to discourage Trump from trying to punish Mexico for serving as a conduit for Chinese merchandise headed to the United States. Sheinbaum “realized that China is a big deal for Trump, and if she wants to stay on his good side, Mexico has to do more to prevent China from using Mexico as a back door to get into the U.S. market,” said Denise Dresser, a columnist and political scientist at the Autonomous Technological Institute of Mexico. The president has denied that she is simply trying to placate Trump. Mexicans, she recently told reporters, “can be sure that we are never going to bow our head or be ashamed.” Sheinbaum must walk a fine line between her constituents, who don’t want to see Mexico humiliated — or go broke — and the unpredictable, impetuous Trump. Few expect Sheinbaum, a scientist of austere demeanor, to secure the kind of rapport with Trump enjoyed by her predecessor, Andrés Manuel López Obrador, a folksy, old-school populist who showered Trump with praise at every opportunity. “She is not going to go and campaign for Trump in the Rose Garden,” said Dresser, recalling López Obrador’s 2020 visit to the Trump White House. “He’s not going to call her, ‘Mi amiga Claudia,’ or sit and drink tequilas with her.” Trump views tariffs as a way to pressure countries to do what he wants. In issuing his threat against Mexico last month in a post on his social media platform, he wrote: “The Tariff will remain in effect until such time as Drugs, in particular Fentanyl, and all Illegal Aliens stop this Invasion of our Country!” It didn’t take long before Sheinbaum started trotting out accomplishments in those areas. On Dec. 4 — nine days after the tariff threat — Sheinbaum announced the seizure of more than a ton of fentanyl in two raids in the state of Sinaloa, a notorious cartel bastion and manufacturing hub for the synthetic opioid. The haul could have produced 20 million doses of fentanyl and yielded more than $400 million for organized crime, she told reporters. The operation, she said, had been planned for some time, countering suggestions in the Mexican media that it had been stage-managed to win over the Trump team. Completely shutting down the fentanyl trade is probably not possible, according to experts. Smugglers ship precursor chemicals from China to Mexico, where the opioid is produced in clandestine labs, before being transported across the U.S. border. It’s not clear whether Trump will be willing to compromise. “We don’t really know what Trump wants other than these blanket statements to ‘stop the drugs,’ ” Castañeda said. “Does he want to send in more DEA guys? More military? To go after kingpins again? Or go after shipments of the precursor chemicals coming in from China?” On migration, Sheinbaum has said that northbound migrant caravans were being “dealt with” — Mexican authorities have been breaking up the groups in southern Mexico. Mexico has been detaining more than 5,000 migrants a day, almost 50% more than during the final months of her predecessor’s term. This year, Mexico has reported more than 1.2 million apprehensions of migrants — a record for Mexico that even tops the total arrests by the U.S. Border Patrol along the U.S.-Mexico border during the same period. Will that be enough to mollify Trump? No one knows. “Both governments are kind of condemned to deal with each other,” Castañeda said. “There’s not much choice. She can’t make Trump go away and he can’t make her go away. So they will eventually get along.”

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