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By JILL COLVIN and STEPHEN GROVES WASHINGTON (AP) — After several weeks working mostly behind closed doors, Vice President-elect JD Vance returned to Capitol Hill this week in a new, more visible role: Helping Donald Trump try to get his most contentious Cabinet picks to confirmation in the Senate, where Vance has served for the last two years. Vance arrived at the Capitol on Wednesday with former Rep. Matt Gaetz and spent the morning sitting in on meetings between Trump’s choice for attorney general and key Republicans, including members of the Senate Judiciary Committee. The effort was for naught: Gaetz announced a day later that he was withdrawing his name amid scrutiny over sex trafficking allegations and the reality that he was unlikely to be confirmed. Thursday morning Vance was back, this time accompanying Pete Hegseth, the “Fox & Friends Weekend” host whom Trump has tapped to be the next secretary of defense. Hegseth also has faced allegations of sexual assault that he denies. Vance is expected to accompany other nominees for meetings in coming weeks as he tries to leverage the two years he has spent in the Senate to help push through Trump’s picks. Vice President-elect JD Vance, still a Republican senator from Ohio, walks from a private meeting with President-elect Donald Trump’s nominee to be attorney general, former Rep. Matt Gaetz, R-Fla., at the Capitol in Washington, Wednesday, Nov. 20, 2024. (AP Photo/J. Scott Applewhite) President-elect Donald Trump’s nominee to be attorney general, former Rep. Matt Gaetz, R-Fla., center, and Vice President-elect JD Vance, left, walk out of a meeting with Republican Senate Judiciary Committee members, at the Capitol in Washington, Wednesday, Nov. 20, 2024. (AP Photo/Ben Curtis) FILE – Sen. JD Vance, R-Ohio, departs the chamber at the Capitol in Washington, March 15, 2023. (AP Photo/J. Scott Applewhite, File) FILE – Sen. JD Vance, R-Ohio, center speaks during a Senate Banking Committee hearing on Capitol Hill in Washington, March 7, 2023. (AP Photo/Andrew Harnik, File) FILE – Sen. JD Vance, R-Ohio, right, speaks with Sen. Sherrod Brown, D-Ohio, before testifying at a hearing, March 9, 2023, in Washington. (AP Photo/Kevin Wolf, File) FILE – Sen. JD Vance, R-Ohio, arrives for a classified briefing on China, at the Capitol in Washington, Feb. 15, 2023. (AP Photo/J. Scott Applewhite, File) FILE – Sen. JD Vance, R-Ohio, arrives for a vote on Capitol Hill, Sept. 12, 2023 in Washington. (AP Photo/Mark Schiefelbein, File) FILE – Sen. JD Vance R-Ohio speaks during a news conference on Capitol Hill in Washington, Feb. 6, 2024. (AP Photo/Jose Luis Magana, File) Vice President-elect JD Vance, still a Republican senator from Ohio, walks from a private meeting with President-elect Donald Trump’s nominee to be attorney general, former Rep. Matt Gaetz, R-Fla., at the Capitol in Washington, Wednesday, Nov. 20, 2024. (AP Photo/J. Scott Applewhite) The role of introducing nominees around Capitol Hill is an unusual one for a vice president-elect. Usually the job goes to a former senator who has close relationships on the Hill, or a more junior aide. But this time the role fits Vance, said Marc Short, who served as Trump’s first director of legislative affairs as well as chief of staff to Trump’s first vice president, Mike Pence, who spent more than a decade in Congress and led the former president’s transition ahead of his first term. ”JD probably has a lot of current allies in the Senate and so it makes sense to have him utilized in that capacity,” Short said. Unlike the first Trump transition, which played out before cameras at Trump Tower in New York and at the president-elect’s golf club in Bedminster, New Jersey, this one has largely happened behind closed doors in Palm Beach, Florida. There, a small group of officials and aides meet daily at Trump’s Mar-a-Lago resort to run through possible contenders and interview job candidates. The group includes Elon Musk, the billionaire who has spent so much time at the club that Trump has joked he can’t get rid of him. Vance has been a constant presence, even as he’s kept a lower profile. The Ohio senator has spent much of the last two weeks in Palm Beach, according to people familiar with his plans, playing an active role in the transition, on which he serves as honorary chair. Vance has been staying at a cottage on the property of the gilded club, where rooms are adorned with cherubs, oriental rugs and intricate golden inlays. It’s a world away from the famously hardscrabble upbringing that Vance documented in the memoir that made him famous, “Hillbilly Elegy.” His young children have also joined him at Mar-a-Lago, at times. Vance was photographed in shorts and a polo shirt playing with his kids on the seawall of the property with a large palm frond, a U.S. Secret Service robotic security dog in the distance. Related Articles On the rare days when he is not in Palm Beach, Vance has been joining the sessions remotely via Zoom. Though he has taken a break from TV interviews after months of constant appearances, Vance has been active in the meetings, which began immediately after the election and include interviews and as well as presentations on candidates’ pluses and minuses. Among those interviewed: Contenders to replace FBI Director Christopher Wray , as Vance wrote in a since-deleted social media post. Defending himself from criticism that he’d missed a Senate vote in which one of President Joe Biden’s judicial nominees was confirmed, Vance wrote that he was meeting at the time “with President Trump to interview multiple positions for our government, including for FBI Director.” “I tend to think it’s more important to get an FBI director who will dismantle the deep state than it is for Republicans to lose a vote 49-46 rather than 49-45,” Vance added on X. “But that’s just me.” While Vance did not come in to the transition with a list of people he wanted to see in specific roles, he and his friend, Trump’s eldest son, Donald Trump Jr., who is also a member of the transition team, were eager to see former Democratic Rep. Tulsi Gabbard and Robert F. Kennedy Jr. find roles in the administration. Trump ended up selecting Gabbard as the next director of national intelligence , a powerful position that sits atop the nation’s spy agencies and acts as the president’s top intelligence adviser. And he chose Kennedy to lead the Department of Health and Human Services , a massive agency that oversees everything from drug and food safety to Medicare and Medicaid. Vance was also a big booster of Tom Homan, the former acting director of Immigration and Customs Enforcement, who will serve as Trump’s “border czar.” In another sign of Vance’s influence, James Braid, a top aide to the senator, is expected to serve as Trump’s legislative affairs director. Allies say it’s too early to discuss what portfolio Vance might take on in the White House. While he gravitates to issues like trade, immigration and tech policy, Vance sees his role as doing whatever Trump needs. Vance was spotted days after the election giving his son’s Boy Scout troop a tour of the Capitol and was there the day of leadership elections. He returned in earnest this week, first with Gaetz — arguably Trump’s most divisive pick — and then Hegseth, who has was been accused of sexually assaulting a woman in 2017, according to an investigative report made public this week. Hegseth told police at the time that the encounter had been consensual and denied any wrongdoing. Vance hosted Hegseth in his Senate office as GOP senators, including those who sit on the Senate Armed Services Committee, filtered in to meet with the nominee for defense secretary. While a president’s nominees usually visit individual senators’ offices, meeting them on their own turf, the freshman senator — who is accompanied everywhere by a large Secret Service detail that makes moving around more unwieldy — instead brought Gaetz to a room in the Capitol on Wednesday and Hegseth to his office on Thursday. Senators came to them. Vance made it to votes Wednesday and Thursday, but missed others on Thursday afternoon. Vance is expected to continue to leverage his relationships in the Senate after Trump takes office. But many Republicans there have longer relationships with Trump himself. Sen. Kevin Cramer, a North Dakota Republican, said that Trump was often the first person to call him back when he was trying to reach high-level White House officials during Trump’s first term. “He has the most active Rolodex of just about anybody I’ve ever known,” Cramer said, adding that Vance would make a good addition. “They’ll divide names up by who has the most persuasion here,” Cramer said, but added, “Whoever his liaison is will not work as hard at it as he will.” Cramer was complimentary of the Ohio senator, saying he was “pleasant” and ” interesting” to be around. ′′He doesn’t have the long relationships,” he said. “But we all like people that have done what we’ve done. I mean, that’s sort of a natural kinship, just probably not as personally tied.” Under the Constitution, Vance will also have a role presiding over the Senate and breaking tie votes. But he’s not likely to be needed for that as often as was Kamala Harris, who broke a record number of ties for Democrats as vice president, since Republicans will have a bigger cushion in the chamber next year. Colvin reported from New York. Associated Press writer Mary Clare Jalonick contributed to this report.People In USA Left Amazed When They're Calling 1-800-242-8478. Here's Why
As science continues its evolution, discoveries and technologies can act like a master key that opens doors that lead to novel advancements. Artificial intelligence is one such key, making innovations possible by solving complex problems, automating tasks and enabling research that would have been impossible, or very time-consuming, without it. But do we want to do research on all topics, and shall we try the AI master key on every door? To explore this question, let’s consider the use of AI by genomics experts as an example. In recent years, genomics experts have added unbelievable depth to what we know about the world and ourselves. For example, genetics researchers have revealed facts about when certain animals and plants were domesticated. In another example, DNA found in 30,000-year-old permafrost was used to create fertile samples of a plant called narrow-leafed campion. Importantly, genetic engineering techniques such as CRISPR facilitate extraordinary advances in the treatment of complicated conditions, such as sickle-cell anemia. Thanks to AI developments, we are witnessing a dramatic increase in the pace and scalability of genomic techniques, which will allow researchers to embark on exploratory journeys — and at the same time, add urgency to already-existing ethical issues. AI companies are also most interested in the scientific implications of this technology. We see this demonstrated in a recent interview between Harvard Business School officials and OpenAI CEO Sam Altman. In response to the question, “What are the pieces of AI that you are most excited about?” Altman said: “Greatly increasing the rate of scientific discovery is what I’m most excited about.” However, given the risks and possible consequences of AI use in science, should we rush headlong into using AI in all kinds of projects? One relevant example is research on Neanderthals, our closest relatives, who lived until about 40,000 years ago. Neanderthals have been studied for several years now through genetic investigation of their fossils and their DNA. Genetic engineering can potentially use ancient DNA and genome editing methods to re-create a Neanderthal or aspects of a Neanderthal’s genetics and physiology. To do this, scientists could start by figuring out the DNA sequence of a Neanderthal by comparing it with the DNA of modern humans, since they are closely related. Then, scientists could use CRISPR to swap out parts of human DNA with Neanderthal DNA. This process would require a lot of trial and error and might not succeed soon, but based on what we know about genetics, if something is possible, AI can help make it happen faster, cheaper and with less effort. Scientists are excited about these developments because they could facilitate new discoveries and open up many new research opportunities in genetic research. With or without AI, research on Neanderthals will proceed, but the extraordinary power of AI could give the final push to these discoveries and facilitate this kind of resurrection. At that point, the scientific community must develop norms and guidelines about how to treat these resurrected beings with dispositions very similar to humans. We would need to carefully consider their rights and well-being almost in the same way as when humans are involved and not as research subjects or artifacts of scientific curiosity. These ethical issues are discussed in more detail in a new paper published in the journal Nature Machine Intelligence. A more holistic question to consider is: Should we prioritize the use of resource-intensive AI, researchers’ time and public funds to resurrect extinct beings? Or should we invest these resources into conserving species that are critically endangered today to prevent biodiversity from more degradation?
WASHINGTON — The House on Wednesday passed a $895 billion measure that authorizes a 1% increase in defense spending this fiscal year and would give a double-digit pay raise to about half of the enlisted service members in the military. The bill is traditionally strongly bipartisan, but some Democratic lawmakers opposed the inclusion of a ban on transgender medical treatments for children of military members if such treatment could result in sterilization. It passed by a vote of 281-140 and next moves to the Senate, where lawmakers sought a bigger boost in defense spending than the current measure allows. The Pentagon and the surrounding area is seen Jan. 26, 2020, from the air in Washington. Lawmakers are touting the bill's 14.5% pay raise for junior enlisted service members and a 4.5% increase for others as key to improving the quality of life for those serving in the U.S. military. Those serving as junior enlisted personnel are in pay grades that generally track with their first enlistment term. Lawmakers said service member pay failed to remain competitive with the private sector, forcing many military families to rely on food banks and government assistance programs to put food on the table. The bill also provides significant new resources for child care and housing. "No service member should have to live in squalid conditions and no military family should have to rely on food stamps to feed their children, but that's exactly what many of our service members are experiencing, especially the junior enlisted," said Rep. Mike Rogers, R-Ala., chairman of the House Armed Services Committee. "This bill goes a long way to fixing that." The bill sets key Pentagon policy that lawmakers will attempt to fund through a follow-up appropriations bill. The overall spending tracks the numbers established in a 2023 agreement that then-Speaker Kevin McCarthy, R-Calif., reached with President Joe Biden to increase the nation's borrowing authority and avoid a federal default in exchange for spending restraints. Many senators had wanted to increase defense spending some $25 billion above what was called for in that agreement, but those efforts failed. Sen. Roger Wicker, R-Miss., who is expected to serve as the next chairman of the Senate Armed Services Committee, said the overall spending level was a "tremendous loss for our national defense," though he agreed with many provisions within the bill. "We need to make a generational investment to deter the Axis of Aggressors. I will not cease work with my congressional colleagues, the Trump administration, and others until we achieve it," Wicker said. Sen. Roger Wicker, R-Miss., speaks with reporters Nov. 21 on Capitol Hill in Washington. House Republicans don't want to go above the McCarthy-Biden agreement for defense spending and are looking to go way below it for many non-defense programs. They are also focused on cultural issues. The bill prohibits funding for teaching critical race theory in the military and prohibits TRICARE health plans from covering gender dysphoria treatment for children under 18 if that treatment could result in sterilization. Rep. Adam Smith of Washington state, the ranking Democratic member of the House Armed Services Committee, said minors dealing with gender dysphoria is a "very real problem." He said the treatments available, including puberty blockers and hormone therapy, have proven effective at helping young people dealing with suicidal thoughts, anxiety and depression. "These treatments changed their lives and in many cases saved their lives," Smith said. "And in this bill, we decided we're going to bar service members' children from having access to that." Smith said the number of minors in service member families receiving transgender medical care extends into the thousands. He could have supported a study asking medical experts to determine whether such treatments are too often used, but a ban on health insurance coverage went too far. He said Speaker Mike Johnson's office insisted on the ban and said the provision "taints an otherwise excellent piece of legislation." Rep. Chip Roy, R-Texas, called the ban a step in the right direction, saying, "I think these questions need to be pulled out of the debate of defense, so we can get back to the business of defending the United States of America without having to deal with social engineering debates." Smith said he agrees with Roy that lawmakers should be focused on the military and not on cultural conflicts, "and yet, here it is in this bill." Branden Marty, a Navy veteran who served for 13 years, said the loss of health coverage for transgender medical treatments could prompt some with valuable experience to leave the military, affecting national security because "we already struggle from a recruiting and retention standpoint." He also said the bill could regularly force service members into difficult choices financially. "It will be tough for a lot of them because of out-of-pocket expenses, especially enlisted members who we know already struggle with food insecurity," said Marty, the father of a transgender teenager. "They don't get paid very much, so they're going to be making a lot of choices on a day-to-day, tactical level." House Minority Leader Hakeem Jeffries, D-N.Y., responds to reporters Dec. 6 during his weekly news conference at the Capitol in Washington. Rep. Hakeem Jeffries, the House Democratic leader, said his team did not tell Democrats how to vote on the bill. "There's a lot of positive things in the National Defense Authorization Act that were negotiated in a bipartisan way, and there are some troubling provisions in a few areas as well," Jeffries said. Overall, 81 Democrats voted for the bill and 124 against it. On the Republican side, 200 voted for the bill and 16 against it. "It's disappointing to see 124 of my Democrat colleagues vote against our brave men and women in uniform over policies that have nothing to do with their intended mission," Johnson, R-La., said. The defense policy bill also looks to strengthen deterrence against China. It calls for investing $15.6 billion to build military capabilities in the Indo-Pacific region. The Biden administration requested about $10 billion. On Israel, the bill, among other things, includes an expansion of U.S. joint military exercises with Israel and a prohibition on the Pentagon citing casualty data from Hamas. The defense policy bill is one of the final measures that lawmakers view as a must-pass before making way for a new Congress in January. Rising threats from debt collectors against members of the U.S. armed forces are undermining national security, according to data from the Consumer Financial Protection Bureau (CFPB), a federal watchdog that protects consumer rights. To manage the impact of financial stress on individual performance, the Defense Department dedicates precious resources to improving financial literacy, so service members know the dangers of notorious no-credit-check loans. “The financial well-being of service members and their families is one of the Department’s top priorities,” said Andrew Cohen, the director of financial readiness in the Office of the Deputy Assistant Secretary of Defense at the Pentagon. But debt collectors are gaining ground. Last quarter, debt collection complaints by U.S. military service members increased 24% , and attempts to collect on “debts not owed” surged 40%. Complaints by service members against debt collectors for deceptive practices ballooned from 1,360 in the fourth quarter of 2023 to 1,833 in the first quarter of 2024. “There’s a connection between the financial readiness and the readiness of a service member to perform their duty,” said Jim Rice, Assistant Director, Office of Servicemember Affairs at the Consumer Financial Protection Bureau. Laws exist to protect the mission readiness of U.S. troops from being compromised by threats and intimidation, but debt collectors appear to be violating them at an alarming pace. “If they’re threatening to call your commander or get your security clearance revoked, that’s illegal,” says Deborah Olvera, financial readiness manager at Wounded Warriors Project, and a military spouse who’s been harassed herself by a collection agency that tried to extort money from her for a debt she didn’t owe. But after she requested the name of the original creditor, she never heard from them again. “The financial well-being of service members and their families is one of the Department’s top priorities.” —Andrew Cohen, Director of Financial Readiness at the Pentagon Under the Fair Debt Collection Practices Act, it’s illegal for debt collectors to threaten to contact your boss or have you arrested because it violates your financial privacy. The FDCPA also prohibits debt collectors from making false, deceptive, or misleading representations in connection with the collection of a debt, even for borrowers with bad credit scores. But according to the data, debt collectors are increasingly ignoring those rules. “Debt collection continues to be one of the top consumer complaint categories,” said a spokesperson at the Federal Trade Commission. The commission released a report earlier this year revealing that consumers were scammed $10 billion in 2023, a new benchmark for fraud losses. In his book Debt: The First 5,000 Years, David Graeber argues that debt often creates a relationship that can feel more oppressive than systems of hierarchy, like slavery or caste systems because it starts by presuming equality between the debtor and the creditor. When the debtor falls into arrears, that equality is then destroyed. This sense of betrayal and the subsequent imbalance of power leads to widespread resentment toward lenders. Photo Credit: Olena Yakobchuk / Shutterstock The debt collector reportedly harassing military service members most was Resurgent Capital Services, a subsidiary of collection giant Sherman Financial Group. The company tacks on accrued interest and junk fees and tries to collect on debts purchased for pennies on the dollar from cable companies, hospitals, and credit card companies, among others. Sherman Financial Group is run by billionaire Benjamin Navarro, who has a reported net worth of $1.5 billion, according to Forbes. Sherman Financial also owns subprime lender Credit One Bank and LVNV Funding, which outsource collections to Resurgent Capital. According to CFPB data, the second worst offender is CL Holdings, the parent company of debt-buyer Jefferson Capital Systems. The company has also been named in numerous complaints to the Better Business Bureau for alleged violations of the FDCPA, such as failing to properly validate debts or update credit reports with accurate information. Under the leadership of CEO David Burton, Jefferson Capital Systems is a wholly-owned subsidiary of CompuCredit Corporation, which markets subprime credit cards under the names Aspire, Majestic, and others. The third most referenced debt collector is publicly traded Portfolio Recovery Associates [NASDAQ: PRAA], which was forced to pay $27 million in penalties for making false representations about debts, initiating lawsuits without proper documentation, and other violations. Portfolio Recovery Associates is run by CEO Vikram Atal. Fourth place for alleged worst offender goes to Encore Capital Group [NASDAQ ECPG], which was required to pay $42 million in consumer refunds and a $10 million penalty for violating the Fair Debt Collection Practices Act. Encore collects under its subsidiary Midland Credit Management Group. These debt collectors all operate under a veritable shell game of company and brand names, almost none of which are disclosed on their websites, sending consumers on a wild goose chase to try and figure out how they’re related to each other. But despite their attempts to hide their tracks behind a smoke screen of subsidiaries, a leopard can’t change its spots, and the CFPB complaint database makes it harder for them to try. Photo Credit: Bumble Dee / Shutterstock Although widely considered a consumer-friendly state, complaints spiked most in California, which saw a 188% increase in complaints filed from the fourth quarter of 2023 to the first quarter of 2024. California is home to 157,367 military personnel, making it the most populous state for active-duty service members. The second-largest increase in debt collection complaints was in Texas, which saw a 66% jump from the fourth quarter of 2023 to the first quarter of 2024. The U.S. Department of Defense reports 111,005 service members stationed in the Lone Star State, which is the third-most populous state for active-duty military. The rising trends do not correlate to the number of military personnel by state. Complaints against debt collectors in Virginia, the second most populous state with 126,145 active duty personnel, decreased by 29% in the same quarter-over-quarter period. And complaints filed quarter-over-quarter in North Carolina, the fifth most populous state with 91,077 military personnel, decreased by 3% in the same period. The third largest percentage increase in debt collection complaints was from service members stationed in Maryland, where alleged harassment reports jumped 112% from the fourth quarter of 2023 to the first quarter of 2024. Maryland ranks number 12 with just 28,059 active duty service members. Fourth place goes to Ohio – the 28th most populous active-duty state – where complaints doubled, followed by Arizona – the 15th most populous military state – where complaints were up 70% in the same quarter-over-quarter period. Photo Credit: PeopleImages.com - Yuri A / Shutterstock In 2007, Congress passed the Military Lending Act to cap the cost of credit to a 36% annual percentage rate, inclusive of junk fees and late charges, for active duty military service members. That rate is still considerably higher than average credit card rates, which range from 8% for borrowers with excellent credit scores to as high as 36% for borrowers with bad credit. But lenders still get hauled into court for violating the MLA. Don Hankey, the billionaire subprime auto lender who funded Donald Trump’s $175 million appeal bond , is among those violators. His company, Westlake Financial, which markets high-interest car loans for bad credit, has been sued twice by the Department of Justice for harassing military service members. In 2017, the DoJ alleged Hankey’s Westlake Financial illegally repossessed at least 70 vehicles owned by military service members. Westlake Financial paid $700,000 to settle the charges. In 2022, Westlake Financial paid $250,000 for allegedly cheating U.S. troops out of interest rates they were legally entitled to. Westlake Financial continues to receive complaints from military service members alleging abusive debt collection practices on its no-credit-check loans. A steady year-over-year increase in the number of complaints filed against Westlake Financial continued from 2020 to 2023. Consumer Financial Protection Bureau data shows a 13% increase in the number of complaints against the company from 2020 to 2021, a 28% increase from 2021 to 2022, and a torrential 119% surge from 2022 to 2023. The numbers suggest systemic complaint-handling processes and inadequate customer service resources. Photo Credit: Cynthia Shirk / Shutterstock On May 16, 2024, a deceptively named predatory lending industry front group dubbed the Community Financial Services Association of America (CFSA) lost a legal attempt to defund the Consumer Financial Protection Bureau. In an effort to deprive Americans of essential consumer protections, the lobby group argued that the Consumer Financial Protection Bureau’s funding structure was unconstitutional. But the Supreme Court denied its claim. In a 7-2 ruling, the Court held that the Consumer Financial Protection Bureau’s funding structure is indeed constitutional. That means the Consumer Financial Protection Bureau cannot be defunded, but it does not mean the agency cannot be defanged. The New York Times suggested that Hankey’s incentive to finance Trump’s $175 million bond could have been a reciprocity pledge to neuter the Consumer Financial Protection Bureau if Trump wins the upcoming U.S. presidential election. If Trump wins a second term, he could replace Consumer Financial Protection Bureau director Rohit Chopra, an American consumer advocate, with a predatory lending advocate. In 2020, the Trump Administration secured a Supreme Court ruling that made it easier for the president to fire the head of the Consumer Financial Protection Bureau. The ruling struck down previous restrictions on when a president can fire the bureau’s director. Like other federal agencies, the Consumer Financial Protection Bureau has also been confronted for overstepping its bounds, pushing too far, and acting unfairly against entities it regulates. Photo Credit: Lux Blue / Shutterstock Seasonality and rising interest rates do not explain the increase in debt collection complaints from service members. The surge in complaints is not tied to predictable seasonal fluctuations or changes in interest rates. The increase in debt collection complaints by service members may point to underlying systemic issues, such as aggressive and predatory debt collection practices that exploit the unique financial vulnerabilities of service members, who face frequent relocations and deployments. Debt Complaints by Service Members The 24% spike in debt collection complaints exhibits no correlation to fluctuations in interest rates. 30-Year Fixed Mortgage Rates Pandemic stimulus checks were also not a factor. COVID-19 relief benefit checks went through three major rounds during the pandemic. The final round of Economic Impact Payments went out in March 2021 . To better understand the rising trend of debt collection complaints, we calculated the increase in the total number of complaints and the percentage increase quarter-over-quarter. For example, New Jersey has the second largest percentage increase in complaints quarter-over-quarter, but the total number of complaints increased by just 16. The data for this study was sourced from the Consumer Financial Protection Bureau (CFPB) complaint database. The dataset specifically targeted complaints filed by U.S. military service members, identified using the tag “Servicemember” within Q4 2023 and Q1 2024. Readers can find the detailed research methodology underlying this news story in the accompanying section here . For complete results, see U.S. Troops Face Mounting Threats from Predatory Debt Collectors on BadCredit.org . Homelessness reached record levels in 2023, as rents and home prices continued to rise in most of the U.S. One group was particularly impacted: people who have served in the U.S. military. "This time last year, we knew the nation was facing a deadly public health crisis," Jeff Olivet, executive director of the U.S. Interagency Council on Homelessness, said in a statement about the 2023 numbers. He said the latest homelessness estimates from the Department of Housing and Urban Development "confirms the depth of the crisis." At least 35,000 veterans were experiencing homelessness in 2023, according to HUD. While that's about half of what it was in 2009—when the organization began collecting data—things have plateaued in recent years despite active efforts to get that number to zero. Although they make up just 6.6% of the total homeless population, veterans are more likely to be at risk of homelessness than Americans overall. Of every 10,000 Americans, 20 were experiencing homelessness. Of veterans living in the United States, that number jumps to 22, HUD data shows. Complicated by bureaucracy, family dynamics, and prejudice, the path from serving in the military to homelessness is a long one. According to a 2022 study by Yale School of Medicine researchers, homelessness typically occurs within four years of leaving the military, as veterans must contend with the harsh reality of finding a job in a world where employers struggle to see how skills on the battlefield transfer to a corporate environment. These days, veterans also deal with historically high rent and home prices, which causes many to rely on family generosity while figuring out a game plan. Stacker examined academic studies, analyzed government data, and spoke with members of the Biden administration, experts, and former members of the armed forces to see the struggles members of the military face when leaving the armed forces. The Department of Veterans Affairs offers transition assistance to the roughly 250,000 service members who leave each year. However, those programs can be burdensome and complex to navigate, especially for those who don't have a plan for post-military life. Only a small portion of veterans have jobs lined up when they leave, according to 2019 Pew Research. Many also choose to live with relatives until they get on their feet, which can be longer than anticipated. Some former service members are unsure what kind of career they'd like to pursue and may have to get further education or training, Carl Castro, director of the Military and Veteran Programs at the Suzanne Dworak-Peck School of Social Work at the University of Southern California, told Stacker. "It takes years for that kind of transition," Castro said. Many have trouble finding a job after leaving the service, even if they are qualified. Some employers carry misconceptions about those who have served. A 2020 analysis from the journal Human Resource Management Review found that some veterans face hiring discrimination due to negative stereotypes that lead hiring managers to write them off as a poor culture fit. Underemployment, or working low-wage jobs below their skill level, is also an issue. While the unemployment rate for veterans was 3% in March 2024, a study released by Penn State at the end of 2023 found three years after leaving the service, 61% of veterans said they were underemployed because of perceived skill mismatches . This phenomenon can have long-term economic effects, and eventually, that frustration can boil over, strain relationships, and potentially lead to housing instability. Working, especially a low-wage job, is not protection against homelessness. A 2021 study from the University of Chicago found half of people living in homeless shelters and 2 in 5 unsheltered people were employed, full or part-time. High rents make it difficult to save up, even when applying for a VA loan—a mortgage backed by the Department of Veterans Affairs that typically has more favorable terms. While the VA does not require a downpayment, some lenders, who ultimately provide the loan, do. They're not entirely risk-free either, and veterans can still lose their homes if they are unable to keep up with their mortgages. In November 2023, the VA put a six-month pause on foreclosures when an NPR investigation found thousands of veterans were in danger of losing their homes after a COVID forbearance program ended. Biden officials pointed to high rents and the end of COVID-era housing restrictions like eviction moratoriums to explain the spike in Americans experiencing homelessness. In the last year, homelessness rose 12%—to more than 650,000 people—the highest level since data began being collected in 2007. Overall, more than half of people experiencing homelessness in 2023 live in states with high living costs. Most were in California, followed by New York and Florida. Western states, including Montana and Utah, experienced massive population growth during the pandemic, becoming hubs for remote workers who drove home prices and rents even further. For veterans, housing costs certainly play a role, but those who leave the military also face systemic barriers. "It's worrying there are people that continue to fall through the cracks," said Jeanette Yih Harvie, a research associate at Syracuse University's D'Aniello Institute for Veterans and Military Families. Just under a quarter of adults experiencing homelessness have a severe mental illness , according to 2022 HUD survey data. They are also likely to have chronic illnesses but are unable to maintain preventative care, which only exacerbates these problems. Veterans facing homelessness are more likely to have experienced trauma , either before or after joining the military, according to Yale researchers who analyzed the 2019-2020 National Health and Resilience in Veterans Study. Childhood trauma was among the most significant commonalities among vets who become homeless. Substance use disorder is also widespread and can indicate an undiagnosed mental illness . Racial and ethnic disparities are at play, too. A 2023 study in the Journal of Psychiatric Research showed that Hispanic and Black veterans were more likely to screen positive for PTSD, and Hispanic veterans were more likely to report having suicidal ideation. Overall, access to mental health care has improved in the last decade or so. In December 2023, the VA announced it would open nine additional counseling centers. However, the stigma of getting help remains, especially after years of being conditioned to be self-reliant and pull oneself up by their bootstraps. That help, in the form of public policy, is slowly working to catch up to the need. In 2023, the Biden administration invested millions into research programs and studies on suicide prevention by the VA office in addition to a proposed $16 billion to improve quality and lower-cost mental health care services for veterans. And, in February of this year, HUD and the VA announced they would give up to $14 million in vouchers to public housing agencies for veterans experiencing homelessness. The program would also offer case management and other services. Still, with a culture that pushes people to keep going, it can be challenging for servicemembers to take advantage of these opportunities, Harvie said. "When you've been doing that for the last 15 or 20 years, it's difficult to stop and say, 'I'm the person that needs help.'" Story editing by Kelly Glass. Copy editing by Kristen Wegrzyn. Get Government & Politics updates in your inbox! Stay up-to-date on the latest in local and national government and political topics with our newsletter.Lennar Corp. Cl A stock outperforms competitors on strong trading day
But alongside his stark warning of the threats facing Britain and its allies, Admiral Sir Tony Radakin said there would be only a “remote chance” Russia would directly attack or invade the UK if the two countries were at war. The Chief of the Defence Staff laid out the landscape of British defence in a wide-ranging speech, after a minister warned the Army would be wiped out in as little as six months if forced to fight a war on the scale of the Ukraine conflict. The admiral cast doubt on the possibility as he gave a speech at the Royal United Services Institute (Rusi) defence think tank in London. He told the audience Britain needed to be “clear-eyed in our assessment” of the threats it faces, adding: “That includes recognising that there is only a remote chance of a significant direct attack or invasion by Russia on the United Kingdom, and that’s the same for the whole of Nato.” Moscow “knows the response will be overwhelming”, he added, but warned the nuclear deterrent needed to be “kept strong and strengthened”. Sir Tony added: “We are at the dawn of a third nuclear age, which is altogether more complex. It is defined by multiple and concurrent dilemmas, proliferating nuclear and disruptive technologies and the almost total absence of the security architectures that went before.” The first nuclear age was the Cold War, while the second was “governed by disarmament efforts and counter proliferation”, the armed forces chief said. He listed the “wild threats of tactical nuclear use” by Russia, China building up its weapon stocks, Iran’s failure to co-operate with a nuclear deal, and North Korea’s “erratic behaviour” among the threats faced by the West. But Sir Tony said the UK’s nuclear arsenal is “the one part of our inventory of which Russia is most aware and has more impact on (President Vladimir) Putin than anything else”. Successive British governments had invested “substantial sums of money” in renewing nuclear submarines and warheads because of this, he added. The admiral described the deployment of thousands of North Korean soldiers on Ukraine’s border alongside Russian forces as the year’s “most extraordinary development”. He also signalled further deployments were possible, speaking of “tens of thousands more to follow as part of a new security pact with Russia”. Defence minister Alistair Carns earlier said a rate of casualties similar to Russia’s invasion of Ukraine would lead to the army being “expended” within six to 12 months. He said it illustrated the need to “generate depth and mass rapidly in the event of a crisis”. In comments reported by Sky News, Mr Carns, a former Royal Marines colonel, said Russia was suffering losses of around 1,500 soldiers killed or injured a day. “In a war of scale – not a limited intervention, but one similar to Ukraine – our Army for example, on the current casualty rates, would be expended – as part of a broader multinational coalition – in six months to a year,” Mr Carns said in a speech at Rusi. He added: “That doesn’t mean we need a bigger Army, but it does mean you need to generate depth and mass rapidly in the event of a crisis.” Official figures show the Army had 109,245 personnel on October 1, including 25,814 volunteer reservists. Mr Carns, the minister for veterans and people, said the UK needed to “catch up with Nato allies” to place greater emphasis on the reserves. The Prime Minister’s official spokesman said Defence Secretary John Healey had previously spoken about “the state of the armed forces that were inherited from the previous government”. The spokesman said: “It’s why the Budget invested billions of pounds into defence, it’s why we’re undertaking a strategic defence review to ensure that we have the capabilities and the investment needed to defend this country.”PM rejigs senior ministers’ roles to boost economy
PASADENA, Texas (KTRK) -- Police warn that scammers are tricking seniors with deceptive computer pop-ups, posing as federal agents and convincing them to give up tens of thousands of dollars to protect their money. Unlike scams in which thieves gain direct access to a victim's bank account and drain it, in these cases, the victims hand over cash to someone who comes to collect it in person. "It's just horrific," Pasadena Police Department Detective Donna Wright said. "(The older community) have more invested, whatever it may be - life insurance payouts, maybe from a deceased loved one, so they have more money in the bank, and I feel like that is why they're targeted. Plus, they are more vulnerable because they believe the stories." In one case Wright is working on, she said a woman in her 80s was looking up a Thanksgiving recipe online on Nov. 19 when she received a pop-up aimed at causing her to panic. RELATED: 84-year-old woman who lost life savings to scammer thought she was 'helping the government' "She went to print, and all of a sudden, her computer locks up; it has a siren blaring loudly and has a pop-up," Wright said. "After trying to shut her computer down, nothing was working for her, so she contacted the number (on the pop-up)." Wright said the scam stretched three days, with the victim getting passed around from person to person, including some scammers posing as government employees. Ultimately, Wright said, the woman was convinced her information was compromised and she should move her money out of her bank while she awaits a new Social Security number. "She's very bright," Wright said. "But they made this story so convincing, it made the person least likely to do this, actually do this." She said the victim told police she met with two people who collected about $75,000 in cash each, causing her to lose $150,000 to the scam. When she met up with the first person to give them $75,000, Wright said the victim told police she took a photo of the man wearing a face mask, sunglasses, and a ball cap. RELATED: 'That was everything I had': Grandmother trying to buy puppy for grandson loses life savings to scam "She actually takes a photo of the first guy. I guess she was not wanting to give her money away," Wright said. Wright said the woman told the scammer that she took a photo during the dropoff, but the scammer told her she was not supposed to photograph an undercover agent, so she didn't get a picture of the second guy. Wright encourages families to talk to their loved ones around the dinner table this holiday about the warning signs that they're being scammed. When it comes to the online scam her victim was targeted with, she said never to call a phone number on a pop-up. "Hang up the phone. Don't panic if you get a pop-up on your computer. Close it, shut it down," Wright said. "Take it to a professional. Call your family. You have not been compromised, and if you have, let a computer expert handle that." Another case that Pasadena PD Detective Jonathan Jernigan is working on involves a woman in her 80s who was scammed out of $95,000. That scam also started with a pop-up warning on her computer, which led her to call a number and eventually resulted in her speaking with someone posing as a U.S. Department of the Treasury employee. RELATED: Grandma tricks alleged scammer into coming to her house where police pounce, make arrest "She was told that the stock market was going to crash and the banks were going to crash, basically, and that she needed to withdraw her money and send it to a third party so it would be safe until this financial crisis passes, and then she would get her money back, even with some interest," Jernigan said. Jernigan said that the victim withdrew $95,000 in a cashier's check and mailed it via UPS to someone in Tennessee. "Later on, the people, the scammers would actually call her and say, 'Everything's fine. We received your money. It's safe with us. Here's proof that your money's safe with us.' They would send additional emails. They would go a long way to try to ease these people into not disclosing what had happened," Jernigan said. He said that oftentimes, victims are told not to contact the police, their banks, or their loved ones. "Their purpose is to get them isolated from contacting anybody outside who can maybe talk some sense into them or maybe investigate a bit further," he said. Jernigan said that the victim went to the bank and withdrew another $35,000 to send the scammer, but the victim's legitimate bank was suspicious and tried to warn her that something was wrong. The woman, in that case, was eventually able to intercept her second payment and get her $35,000 back from the UPS store. However, Jernigan said it's unlikely she'll ever see the initial $95,000 she gave again. "I believe it was the bank manager who convinced her to contact us," he said. Jernigan also reiterates that if there's a pop-up on your computer warning that it's been compromised, do not call the number listed. "Unplug your computer. That's the best you can do. You may lose data that's on there like you're working on something like a Word document or an email, but at the end of the day, that's a lot better than losing hundreds of thousands of dollars potentially," he said. "Be very suspicious of anything unsolicited. If you get a call from a tech company, tech companies don't reach out just randomly to people, or they don't have access to your computer to see that you need any type of help." For updates on this story, follow Kevin Ozebek on Facebook , Twitter and Instagram . Contact 13 Investigates Have a tip? A problem to solve? Send a tip below. If you don't have a photo or document to include, just hit 'skip upload' and send the details. (On mobile? You can open our form by tapping here.)The health ministry in Hamas-run Gaza said Friday hospitals have only two days' fuel left before they must restrict services, after the UN warned aid delivery to the war-devastated territory is being crippled. The warning came a day after the International Criminal Court issued arrest warrants for Israeli Prime Minister Benjamin Netanyahu and former defence minister Yoav Gallant more than a year into the Gaza war. The United Nations and others have repeatedly decried humanitarian conditions, particularly in northern Gaza where Israel said Friday it had killed two commanders involved in Hamas's October 7, 2023 attack that triggered the war. Gaza medics said an overnight Israeli raid on Beit Lahia and nearby Jabalia resulted in dozens killed or missing. Marwan al-Hams, director of Gaza's field hospitals, told reporters all hospitals in the Palestinian territory "will stop working or reduce their services within 48 hours due to the occupation's (Israel's) obstruction of fuel entry". World Health Organization chief Tedros Adhanom Ghebreyesus said he was "deeply concerned about the safety and well-being of 80 patients, including 8 in the intensive care unit" at Kamal Adwan hospital, one of just two partly operating in northern Gaza. Kamal Adwan director Hossam Abu Safia told AFP it was "deliberately hit by Israeli shelling for the second day" Friday and that "one doctor and some patients were injured". Late Thursday, the UN's humanitarian coordinator for the Palestinian territories, Muhannad Hadi, said: "The delivery of critical aid across Gaza, including food, water, fuel and medical supplies, is grinding to a halt." He said that for more than six weeks Israeli authorities "have been banning commercial imports" while "a surge in armed looting" has hit aid convoys. Vowing to stop Hamas from regrouping, Israel on October 6 began an air and ground operation in Jabalia and then expanded it to Beit Lahia. Gaza's health ministry says the operation has killed thousands. The UN says more than 100,000 have been displaced from the area, and an official told the Security Council last week that people "are effectively starving". Issuing the warrants for Netanyahu and Gallant, the Hague-based ICC said there were "reasonable grounds" to believe they bore "criminal responsibility" for the war crime of starvation as a method of warfare, and crimes against humanity including over "the lack of food, water, electricity and fuel, and specific medical supplies". A furious Netanyahu said: "Israel rejects with disgust the absurd and false actions and accusations made against it." He said the judges were "driven by anti-Semitic hatred of Israel". On Friday, he thanked his Hungarian counterpart Viktor Orban for inviting him to visit in defiance of the ICC warrant, which Orban branded "political". Hungary currently holds the rotating EU presidency. US President Joe Biden, whose country is Israel's top military supplier, called the warrants against Israeli leaders "outrageous", but other world leaders supported the court. Irish Prime Minister Simon Harris said Netanyahu would be arrested if he set foot in the country. Biden and French President Emmanuel Macron on Friday discussed efforts towards a ceasefire in Lebanon, the White House said. The ICC also issued a warrant for Hamas military chief Mohammed Deif, saying it had grounds to suspect him of war crimes and crimes against humanity over the attacks on Israel that sparked the war, and including "sexual and gender-based violence" against hostages. Israel said it killed Deif in July, but Hamas has not confirmed his death. On Thursday, a UN representative said an Israeli raid on Palmyra in Syria this week was "likely the deadliest" by Israel on the country so far. On Friday, a war monitor said the strikes killed 92 pro-Iran fighters. Israel again bombed Gaza on Friday. In Gaza City, just south of Jabalia, one man who said he took his cousins to hospital after a strike urged "the world... to put an end" to the war. Belal, who gave only his first name, said 10 members of his family had been killed. At least 44,056 people have been killed in Gaza during more than 13 months of war, most of them civilians, according to figures from Gaza's health ministry which the United Nations considers reliable. Hamas triggered the war with the deadliest attack in Israeli history, which resulted in the deaths of 1,206 people, mostly civilians, according to an AFP tally of Israeli official figures. The war expanded to Lebanon in late September when Israel escalated air strikes against Iran-backed Hezbollah and later sent ground troops into southern Lebanon, after nearly a year of tit-for-tat cross-border exchanges which Hezbollah said were in support of Hamas. Lebanon says more than 3,580 people have been killed in the country, most of them since late September. A strike on Baalbek in the east killed the director of Dar al-Amal university hospital and six colleagues, the health ministry said late Friday. Israeli strikes again targeted Hezbollah's south Beirut stronghold and south Lebanon, the official National News Agency said. UN peacekeepers in south Lebanon have reported being fired on numerous times, blaming both Israel and "non-state" actors. On Friday, Rome said Hezbollah was probably behind rocket fire that lightly wounded four Italian peacekeepers. bur-ami/srm/kir
Staff report ANDERSON, S.C. — It was a strange Wednesday night for Catawba’s men’s basketball team at the Abney Center. Leading scorer Kris Robinson made only one field goal, but Catawba got a career game — 21 points — from reserve forward Zion McDuffie and had a chance to win its South Atlantic Conference opener on the road. Catawba (2-2, 0-1) just didn’t shoot well enough to win it, however, and Anderson (4-0, 1-0) overcame an eight-point halftime deficit to take a 76-71 victory. The Trojans hadn’t beaten Catawba in a number of years. Catawba held a whopping 26-13 advantage in the turnover battle, but Catawba shot 38 percent while Anderson shot 58 percent. Anderson also had the edge in the intimidation factor, out-blocking the Indians 9-0. Catawba is on the road agains on Saturday at Carson-Newman. Catawba 37 34 — 71 Anderson 29 47 — 76 CATAWBA scoring — McDuffie 21, Banks 10, Walker 7, Tinsley 7, Achie 6, K. Robinson 5, White 4, Hawkins 4, Chase Daniel 3, Jones 2, Thomas 2.For families with children who face sensory processing challenges, the holidays often present unique difficulties. Crowded malls, loud music, and bright lights can overwhelm even the most festive spirits. The 12th Annual Sensory Santa Event seeks to change that, offering a space where children can experience the joy of the season without the chaos. Scheduled for Saturday, Dec. 14, from 11 a.m.-2 p.m., at the Youth Museum of Southern West Virginia, the event is thoughtfully designed for children with sensory processing differences, including autism, ADHD, and other developmental conditions. Upon arrival, families will check in at the front desk. Children can then enjoy cookies, cocoa, a simple Christmas craft, and access to the museum’s interactive exhibit, " How People Make Things," while they acclimate to the environment. When a child feels ready, staff will escort them to a private, quiet area for their personalized visit with Santa, ensuring each interaction occurs at the child's comfort level. This thoughtful approach allows families to create cherished holiday memories in a stress-free setting. “The fact that we’ve been doing this for 12 years shows how needed this event is. We’ve had no fewer than 20 families attend each year, with as many as 40 families participating in some years,” said Leslie Baker, director of parks and recreation for the City of Beckley. “What everybody comes for is that one-on-one time with Santa. This event allows families to enjoy holiday traditions in an environment that’s tailored to their needs, creating magical memories in a stress-free way.” The event’s roots can be traced to Lola Rizer, a local radio personality with 103CIR, whose own daughter, Belle, has special needs. “Lola has been very involved in creating inclusive opportunities for her daughter, including this event,” Baker said. “Many of our volunteers are parents of children with special needs. We also partner with students from local colleges, like those studying clinical counseling or social work at New River Technical College.” The heart of the event is Santa Claus himself, who takes a more personalized and flexible approach to each child’s visit. “This isn’t your typical Santa photoshoot,” Baker noted. “Santa adapts to each child’s comfort level and can even communicate in sign language. It’s about giving every child their little piece of Christmas magic.” Admission to the event is $5 per person, with free entry for children under 3 and special needs family members. Although reservations are not required, families are encouraged to call ahead to help organizers ensure a smooth experience for all. The event is a collaboration among the Beckley Department of Parks and Recreation, PNB, and 103CIR’s Rick and Lola. To reserve your spot or learn more, call 304-252-3730.
Broncos head into bye on three-game winning streak and chasing first playoff spot since 2015 season
Moni scores 25 in North Dakota State’s 91-62 win against Wisconsin-StoutLife Risk News Publishes December 2024 Issue 12-13-2024 11:42 PM CET | Associations & Organizations Press release from: Getnews / PR Agency: Press Ranger Image: https://www.getnews.info/uploads/1734028517.jpeg Life Risk News December 2024 London, UK - 13th December, 2024 - The European Life Settlement Association (ELSA), the leading European industry group promoting and supporting the life settlement industry, has today published the December 2024 edition of Life Risk News [ https://liferisk.news/editors-letter-volume-3-issue-12-december-2024/ ]. The PHL Variable Life Insurance Company rehabilitation news story was a significant one in the life settlement market this year, but plenty of other topics and trends impact the space. Greg Winterton spoke to Simon Erritt at Coventry Capital and Rob Haynie at Life Settlements Inc, to get their views on some of these, and their impact, in Credit and Liquidity Risk Back in Focus but Life Settlement Market Looks to 2025 With Optimism [ https://liferisk.news/credit-and-liquidity-risk-back-in-focus-but-life-settlement-market-looks-to-2025-with-optimism/ ]. The strong surplus of the approximately 5,000 defined benefit pension schemes in the UK brings with it the luxury of choice with regards to scheme's end-game options. So, rather than rushing to seek an insurer-led buy-out, some trustees are considering other solutions. Samantha Downes spoke to Charlie Finch at Lane, Clark & Peacock, to get his views in To Buy-Out, or Not To Buy-Out? The life settlement market received a small, but not insignificant boost recently, as regulator the National Council of Insurance Legislators (NCOIL) made some amendments to its Life Settlement Model Act at its annual meeting in November. Greg Winterton spoke to John Dallas at Berkshire Settlements (and Chair at industry group LISA), and Brian Casey at Locke Lord, to get their views on the change in Latest Version of NCOIL Life Settlements Model Act Provides Welcome Update to Outdated Processes . The life settlement market has changed significantly since its inception, maturing and stabilising in terms of the processes and the firms participating in it. Still, change is constant, and so Bryan Nicholson at LISA explains what is changing at LISA and its plans going forward all in Taking the Next Steps to Better Serve the Life Settlement Market , a guest article. The 2024 edition of the Life Insurance Fact Book - the American Council of Life Insurers' annual review into the inner workings of US-based life insurance company balance sheets - was published in early November. Roger Lawrence of WL Consulting looked at the top-level takeaways from this year's edition in US Life Insurance Industry Posts Solid 2023 Despite Macroeconomic Challenges , a guest article. A range of events in the past few years have had a significant impact on mortality in the UK, and arguably the outlook is as unclear as it has been for some time. Greg Winterton caught up with Cobus Daneel at the Institute and Faculty of Actuaries, to find out what is top of mind in the mortality actuarial world as we look ahead to 2025 in this month's Q&A . Data from consulting firm WTW, published at the beginning of this year, shows that aggregate longevity swap insurance premium in the UK pension risk transfer (PRT) market was the lowest in 2023 for at least five years but a recent transaction shows that the appetite for these deals remains. Greg Winterton spoke to Shelly Beard at WTW, to get her thoughts on the space in Longevity Swaps are Back? They Never Went Away. Visit www.liferisk.news [ https://liferisk.news/ ] to read this month's issue. About Life Risk News Life Risk News covers the intersection of the capital markets and longevity and mortality risk. Life Risk News delivers cutting edge insights from both academia and business across life-linked alternative credit, life ILS, life settlements, pension risk transfer, and more. The European Life Settlement Association (ELSA) was founded in 2009 to set standards for participants in the European life settlement industry. More information: Chris Wells, Executive Director, admin@elsa-sls.org About European Life Settlement Association Founded in 2009, the European Life Settlement Association (ELSA) is dedicated to promoting transparency through the collaborative development of industry standards and by providing accurate, authoritative information to investors, regulators and the media. ELSA represents both European-based asset managers and service providers in the life settlement market, and non-European firms that have European clients in the life settlement space. Media Contact Company Name: European Life Settlement Association Contact Person: Christopher Wells Email: Send Email [ http://www.universalpressrelease.com/?pr=life-risk-news-publishes-december-2024-issue ] City: London Country: United Kingdom Website: https://elsa-sls.org/ This release was published on openPR.