The Centers for Medicare and Medicaid Services shut down access to the Affordable Care Act marketplace to two health insurance agencies. Here's a look at what's happened.Shares of Forum Energy Technologies, Inc. (FET) rose nearly 10% on Monday after the company announced a share repurchase program and the completion of sale-leaseback transactions. Forum Energy services the oil, natural gas, industrial, and renewable energy industries, providing value-added solutions that increase the safety and efficiency of energy exploration and production. The company said its board of directors has authorized a program to repurchase up to $75 million worth outstanding shares of its common stock. The firm said that under the terms of the company’s outstanding senior secured bonds, share repurchases are subject to a leverage ratio of 1.5x. “Until such time as FET’s Leverage Ratio is less than 1.5x, the company will not repurchase its common stock,” it clarified. Meanwhile, the firm also said that in the fourth quarter, it completed selling two manufacturing facilities in Texas. Net proceeds from the sale totaled approximately $20 million, it added. Forum Energy said the properties remain an integral part of its operations, and long-term lease agreements were executed in connection with the transaction. CEO Neal Lux noted that the firm is committed to maintaining conservative net leverage by using a meaningful portion of its free cash flow to reduce debt further. "In addition, FET is focused on returning cash to its shareholders. The size of our share repurchase program reflects our confidence to generate consistent free cash flow in 2025 and beyond,” he said. Retail chatter on Stocktwits indicated optimism on the stock. Despite the rally on Monday, Forum Energy shares have lost over 30% since the beginning of the year. For updates and corrections, email newsroom[at]stocktwits[dot]com.<
NEW YORK (AP) — There's no place like home for the holidays. And that may not necessarily be a good thing. In the wake of the very contentious and divisive 2024 presidential election, the upcoming celebration of Thanksgiving and the ramp-up of the winter holiday season could be a boon for some — a respite from the events of the larger world in the gathering of family and loved ones. Hours and even days spent with people who have played the largest roles in our lives. Another chapter in a lifetime of memories. That's one scenario. For others, that same period — particularly because of the polarizing presidential campaign — is something to dread. There is the likelihood of disagreements, harsh words, hurt feelings and raised voices looming large. Those who make a study of people and their relationships to each other in an increasingly complex 21st-century say there are choices that those with potentially fraught personal situations can make — things to do and things to avoid — that could help them and their families get through this time with a minimum of open conflict and a chance at getting to the point of the holidays in the first place. For those who feel strongly about the election's outcome, and know that the people they would be spending the holiday feel just as strongly in the other direction, take the time to honestly assess if you're ready to spend time together in THIS moment, barely a few weeks after Election Day — and a time when feelings are still running high. The answer might be that you're not, and it might be better to take a temporary break, says Justin Jones-Fosu, author of “I Respectfully Disagree: How to Have Difficult Conversations in a Divided World.” “You have to assess your own readiness,” he says, “Each person is going be very different in this.” He emphasizes that it's not about taking a permanent step back. “Right now is that moment that we’re talking about because it’s still so fresh. Christmas may be different.” Keep focused on why why you decided to go in the first place, Jones-Fosu says. Maybe it’s because there’s a relative there you don’t get to see often, or a loved one is getting up in age, or your kids want to see their cousins. Keeping that reason in mind could help you get through the time. If you decide getting together is the way to go, but you know politics is still a dicey subject, set a goal of making the holiday a politics-free zone and stick with it, says Karl Pillemer, a professor at Cornell University whose work includes research on family estrangement. “Will a political conversation change anyone’s mind?" he says. “If there is no possibility of changing anyone’s mind, then create a demilitarized zone and don’t talk about it.” Let’s be honest. Sometimes, despite best efforts and intentions to keep the holiday gathering politics- and drama-free, there’s someone who’s got something to say and is going to say it. In that case, avoid getting drawn into it, says Tracy Hutchinson, a professor in the graduate clinical mental health counseling program at the College of William & Mary in Virginia. “Not to take the hook is one of the most important things, and it is challenging,” she says. After all, you don’t have to go to every argument you’re invited to. If you risk getting caught up in the moment, consider engaging in what Pillemer calls “forward mapping.” This involves thinking medium and long term rather than just about right now — strategy rather than tactics. Maybe imagine yourself six months from now looking back on the dinner and thinking about the memories you'd want to have. “Think about how you would like to remember this holiday,” he says. “Do you want to remember it with your brother and sister-in-law storming out and going home because you’ve had a two-hour argument?” Things getting intense? Defuse the situation. Walk away. And it doesn't have to be in a huff. Sometimes a calm and collected time out is just what you — and the family — might need. Says Hutchinson: “If they do start to do something like that, you could say, `I’ve got to make this phone call. I’ve got to go to the bathroom. I’m going to take a walk around the block.'"KUWAIT: Zain Group, a leading provider of innovative technologies and digital lifestyle communications operating in eight markets across the Middle East and Africa, has launched “The Masters” initiative, empowering 30 individuals with disabilities to create and shape their own experiences and giving them a stage to become leaders through a focus on four core impact areas: Co-creating Zain’s Disability Inclusion strategy; embedding accessibility into all products and services; the Learn and Lead program; and fostering voice and visibility. This never-before-seen opportunity for people with disabilities soon follows Zain’s establishment in September 2024 of the first Corporate Employee Resource Group (ERG) in the region, specifically for individuals with disabilities. Working with PurpleSpace — the networking and professional hub for disabled employees - this partnership signifies a commitment by Zain to create an ERG experience that goes beyond traditional practices, supported by the company’s top management. Bader Al-Kharafi, Zain Vice-Chairman and Group CEO commented: “As a leading regional purpose driven entity, the introduction of The Masters is another one-of-its-kind initiative from Zain that underscores that disability is not merely a term, but an opportunity for people with disabilities to advocate, lead and act. Our mission is to go beyond merely offering telecommunication services, as we focus on addressing deficits and challenges across our footprint and provide meaningful connectivity that leads to equitable systemic change. Throughout all the communities we serve, we intend to leave no one behind in terms of their ability to be as active and engaged in society as possible.” Zain just completed a Learn and Lead program, holding a three-day training program for 15 Masters from across its eight markets of operation, in addition to participants from Omantel. This program, conducted by The Butterfly, a UAE-based organization renowned for disability training, took place between November 12-14 and focused on advocacy, disability awareness self-empowerment, leadership, public speaking, and presentation skills. Following the training, the 15 Masters are set to return to their respective operations and deliver the same training to employees in the lead up to, and post the International Day of Persons with Disabilities, which falls on December 3, 2024. This first-of-its-kind program places disability at the forefront of Zain’s organizational and inclusion outlook, empowering individuals with disabilities to lead sessions, have their voices heard, and see their contributions recognized. The Masters program envisages that employees who are blind, deaf, or with physical disabilities will be given the opportunity to train others at Zain and Omantel, on advocacy, disability awareness self-empowerment, leadership, public speaking, and presentation skills, giving them a stage and opportunity to lead and shape their own experiences. Overall, the expected attendance for The Masters’ ‘Learn and Lead’ sessions is expected to reach approximately 1,000. Through this initiative, all the future Zain and Omantel Masters have the opportunity to advocate for themselves and others, sharing their experiences and becoming leaders wherever they are.
Kirill Kaprizov, early favorite for the Hart Trophy, has also been all-heart for the Wild
As open enrollment for Affordable Care Act plans continues through Jan. 15, you’re likely seeing fewer social media ads promising monthly cash cards worth hundreds, if not thousands, of dollars that you can use for groceries, medical bills, rent and other expenses. But don’t worry. You haven’t missed out on any windfalls. Clicking on one of those ads would not have provided you with a cash card — at least not worth hundreds or thousands. But you might have found yourself switched to a health insurance plan you did not authorize, unable to afford treatment for an unforeseen medical emergency, and owing thousands of dollars to the IRS, according to an ongoing lawsuit against companies and individuals who plaintiffs say masterminded the ads and alleged scams committed against millions of people who responded to them. The absence of those once-ubiquitous ads are likely a result of the federal government suspending access to the ACA marketplace for two companies that market health insurance out of South Florida offices, amid accusations they used “fraudulent” ads to lure customers and then switched their insurance plans and agents without their knowledge. In its suspension letter, the Centers for Medicare & Medicaid Services (CMS) cited “credible allegations of misconduct” in the agency’s decision to suspend the abilities of two companies — TrueCoverage (doing business as Inshura) and BenefitAlign — to transact information with the marketplace. CMS licenses and monitors agencies that use their own websites and information technology platforms to enroll health insurance customers in ACA plans offered in the federal marketplace. The alleged scheme affected millions of consumers, according to a lawsuit winding its way through U.S. District Court in Fort Lauderdale that seeks class-action status. An amended version of the suit, filed in August, increased the number of defendants from six to 12: — TrueCoverage LLC, an Albuquerque, New Mexico-based health insurance agency with large offices in Miami, Miramar and Deerfield Beach. TrueCoverage is a sub-tenant of the South Florida Sun Sentinel in a building leased by the newspaper in Deerfield Beach. — Enhance Health LLC, a Sunrise-based health insurance agency that the lawsuit says was founded by Matthew Herman, also named as a defendant, with a $150 million investment from hedge fund Bain Capital’s insurance division. Bain Capital Insurance Fund LP is also a defendant. — Speridian Technologies LLC, accused in the lawsuit of establishing two direct enrollment platforms that provided TrueCoverage and other agencies access to the ACA marketplace. — Benefitalign LLC, identified in the suit as one of the direct enrollment platforms created by Speridian. Like Speridian and TrueCoverage, the company is based in Albuquerque, New Mexico. — Number One Prospecting LLC, doing business as Minerva Marketing, based in Fort Lauderdale, and its founder, Brandon Bowsky, accused of developing the social media ads that drove customers — or “leads” — to the health insurance agencies. — Digital Media Solutions LLC, doing business as Protect Health, a Miami-based agency that the suit says bought Minerva’s “fraudulent” ads. In September, the company filed for Chapter 11 protection from creditors in United States Bankruptcy Court in Texas, which automatically suspended claims filed against the company. — Net Health Affiliates Inc., an Aventura-based agency the lawsuit says was associated with Enhance Health and like it, bought leads from Minerva. — Garish Panicker, identified in the lawsuit as half-owner of Speridian Global Holdings and day-to-day controller of companies under its umbrella, including TrueCoverage, Benefitalign and Speridian Technologies. — Matthew Goldfuss, accused by the suit of overseeing and directing TrueCoverage’s ACA enrollment efforts. All of the defendants have filed motions to dismiss the lawsuit. The motions deny the allegations and argue that the plaintiffs failed to properly state their claims and lack the standing to file the complaints. The Sun Sentinel sent requests for comment and lists of questions about the cases to four separate law firms representing separate groups of defendants. Three of the law firms — one representing Brandon Bowsky and Number One Prospecting LLC d/b/a Minerva Marketing, and two others representing Net Health Affiliates Inc. and Bain Capital Insurance Fund — did not respond to the requests. A representative of Enhance Health LLC and Matthew Herman, Olga M. Vieira of the Miami-based firm Quinn Emanuel Urquhart & Sullivan LLP, responded with a short message saying she was glad the newspaper knew a motion to dismiss the charges had been filed by the defendants. She also said that, “Enhance has denied all the allegations as reported previously in the media.” Catherine Riedel, a communications specialist representing TrueCoverage LLC, Benefitalign LLC, Speridian Technologies LLC, Girish Panicker and Matthew Goldfuss, issued the following statement: “TrueCoverage takes these allegations very seriously and is responding appropriately. While we cannot comment on ongoing litigation, we strongly believe that the allegations are baseless and without merit. “Compliance is our business. The TrueCoverage team records and reviews every call with a customer, including during Open Enrollment when roughly 500 agents handle nearly 30,000 calls a day. No customer is enrolled into any policy without a formal verbal consent given by the customer. If any customer calls in as a result of misleading content presented by third-party marketing vendors, agents are trained to correct such misinformation and action is taken against such third-party vendors.” Through Riedel, the defendants declined to answer follow-up questions, including whether the company remains in business, whether it continues to enroll Affordable Care Act clients, and whether it is still operating its New Mexico call center using another affiliated technology platform. The suspension notification from the Centers for Medicare and Medicaid Services letter cites several factors, including the histories of noncompliance and previous suspensions. The letter noted suspicion that TrueCoverage and Benefitalign were storing consumers’ personally identifiable information in databases located in India and possibly other overseas locations in violation of the centers’ rules. The letter also notes allegations against the companies in the pending lawsuit that “they engaged in a variety of illegal practices, including violations of the (Racketeer Influenced & Corrupt Organizations, or RICO Act), misuse of consumer (personal identifiable information) and insurance fraud.” The amended lawsuit filed in August names as plaintiffs five individuals who say their insurance plans were changed and two agencies who say they lost money when they were replaced as agents. The lawsuit accuses the defendants of 55 counts of wrongdoing, ranging from running ads offering thousands of dollars in cash that they knew would never be provided directly to consumers, switching millions of consumers into different insurance policies without their authorization, misstating their household incomes to make them eligible for $0 premium coverage, and “stealing” commissions by switching the agents listed in their accounts. TrueCoverage, Enhance Health, Protect Health, and some of their associates “engaged in hundreds of thousands of agent-of-record swaps to steal other agents’ commissions,” the suit states. “Using the Benefitalign and Inshura platforms, they created large spreadsheet lists of consumer names, dates of birth and zip codes.” They provided those spreadsheets to agents, it says, and instructed them to access platforms linked to the ACA marketplace and change the customers’ agents of record “without telling the client or providing informed consent.” “In doing so, they immediately captured the monthly commissions of agents ... who had originally worked with the consumers directly to sign them up,” the lawsuit asserts. TrueCoverage employees who complained about dealing with prospects who called looking for cash cards were routinely chided by supervisors who told them to be vague and keep making money, the suit says. When the Centers for Medicare and Medicaid Services began contacting the company in January about customer complaints, the suit says TrueCoverage enrollment supervisor Matthew Goldfuss sent an email instructing agents “do not respond.” The lawsuit states the “scheme” was made possible in 2021 when Congress passed the American Rescue Plan Act in the wake of the COVID pandemic. The act made it possible for Americans with household incomes between 100% and 150% of the federal poverty level to pay zero in premiums and it enabled those consumers to enroll in ACA plans all year round, instead of during the three-month open enrollment period from November to January. Experienced health insurance brokers recognized the opportunity presented by the changes, the lawsuit says. More than 40 million Americans live within 100% and 150% of the federal poverty level, while only 15 million had ACA insurance at the time. The defendants developed or benefited from online ads, the lawsuit says, which falsely promised “hundreds and sometimes thousands of dollars per month in cash benefits such as subsidy cards to pay for common expenses like rent, groceries, and gas.” Consumers who clicked on the ads were brought to a landing page that asked a few qualifying questions, and if their answers suggested that they might qualify for a low-cost or no-cost plan, they were provided a phone number to a health insurance agency. There was a major problem with the plan, according to the lawsuit. “Customers believe they are being routed to someone who will send them a free cash card, not enroll them in health insurance.” By law, the federal government sends subsidies for ACA plans to insurance companies, and not to individual consumers. Scripts were developed requiring agents not to mention a cash card, and if a customer mentions a cash card, “be vague” and tell the caller that only the insurance carrier can provide that information, the lawsuit alleges. In September, the defendants filed a motion to dismiss the claims. In addition to denying the charges, they argued that the class plaintiffs lacked the standing to make the accusations and failed to demonstrate that they suffered harm. The motion also argued that the lawsuit’s accusations failed to meet requirements necessary to claim civil violations of the RICO Act. Miami-based attorney Jason Kellogg, representing the plaintiffs, said he doesn’t expect a ruling on the motion to dismiss the case for several months. The complaint also lists nearly 50 companies, not named as defendants, that it says fed business to TrueCoverage and Enhance Health. Known in the industry as “downlines,” most operate in office parks throughout South Florida, the lawsuit says. The lawsuit quotes former TrueCoverage employees complaining about having to work with customers lured by false cash promises in the online ads. A former employee who worked in the company’s Deerfield Beach office was quoted in the lawsuit as saying that senior TrueCoverage and Speridian executives “knew that consumers were calling in response to the false advertisements promising cash cards and they pressured agents to use them to enroll consumers into ACA plans.” A former human resources manager for TrueCoverage said sales agents frequently complained “that they did not feel comfortable having to mislead consumers,” the lawsuit said. Over two dozen agents “came to me with these complaints and showed me the false advertisements that consumers who called in were showing them,” the lawsuit quoted the former manager as saying. For much of the time the companies operated, the ACA marketplace enabled agents to easily access customer accounts using their names and Social Security numbers, change their insurance plans and switch their agents of record without their knowledge or authorization, the lawsuit says. This resulted in customers’ original agents losing their commissions and many of the policyholders finding out they suddenly owed far more for health care services than their original plans had required, the suit states. It says that one of the co-plaintiffs’ health plans was changed at least 22 times without her consent. She first discovered that she had lost her original plan when she sought to renew a prescription for her heart condition and her doctor told her she did not have health insurance, the suit states. Another co-plaintiff’s policy was switched after her husband responded to one of the cash card advertisements, the lawsuit says. That couple’s insurance plan was switched multiple times after a TrueCoverage agent excluded the wife’s income from an application so the couple would qualify. Later, they received bills from the IRS for $4,300 to cover tax credits issued to pay for the plans. CMS barred TrueCoverage and BenefitAlign from accessing the ACA marketplace. It said it received more than 90,000 complaints about unauthorized plan switches and more than 183,500 complaints about unauthorized enrollments, but the agency did not attribute all of the complaints to activities by the two companies. In addition, CMS restricted all agents’ abilities to alter policyholders’ enrollment information, the lawsuit says. Now access is allowed only for agents that already represent policyholders or if the policyholder participates in a three-way call with an agent and a marketplace employee. Between June and October, the agency barred 850 agents and brokers from accessing the marketplace “for reasonable suspicion of fraudulent or abusive conduct related to unauthorized enrollments or unauthorized plan switches,” according to an October CMS news release . The changes resulted in a “dramatic and sustained drop” in unauthorized activity, including a nearly 70% decrease in plan changes associated with an agent or broker and a nearly 90% decrease in changes to agent or broker commission information, the release said. It added that while consumers were often unaware of such changes, the opportunity to make them provided “significant financial incentive for non-compliant agents and brokers.” But CMS’ restrictions might be having unintended consequences for law-abiding agents and brokers. A story published by Insurance News Net on Nov. 11 quoted the president of the Health Agents for America (HAFA) trade group as saying agents are being suspended by CMS after being flagged by a mysterious algorithm that no one can figure out. The story quotes HAFA president Ronnell Nolan as surmising, “maybe they wrote too many policies on the same day for people who have the same income or they’re writing too many policies on people of a certain occupation.” Nolan continued, “We have members who have thousands of ACA clients. They can’t update or renew their clients. So those consumers have lost access to their professional agent, which is simply unfair.” Ron Hurtibise covers business and consumer issues for the South Florida Sun Sentinel. He can be reached by phone at 954-356-4071, on Twitter @ronhurtibise or by email at rhurtibise@sunsentinel.com.Trump promises to end birthright citizenship: What is it and could he do it?
The Miami Hurricanes, who once appeared to be a near-lock for the College Football Playoff, are not playing for a national title. Instead, they will play in the Pop-Tarts Bowl in Orlando. That bowl berth against Iowa State is a let-down for fans with dreams of a sixth national title in their minds, as well as players hoping to compete for a championship. However, Miami’s trip to Orlando and the lead-up to it are still crucial periods for the Hurricanes for multiple reasons. First, it’s a chance for the program to achieve something it has not done in more than two decades: win 11 games. Although the 11th win won’t get them closer to a championship, it is a good sign of the program’s progress over Mario Cristobal’s tenure. It would also end UM’s five-game losing streak in bowls. “We’re not satisfied,” Cristobal said. “We want to win every single game. We won 10. We were close on the other two, but close isn’t good enough. We want progress. We’re hungry and driven to get better, and so that’s what our focus is on: to improving as a football program, to getting better, to moving into the postseason with an opportunity against a great football team like this and putting our best on the field.” There are signs the Hurricanes will show up at close to full strength for the bowl game. Running back Damien Martinez announced he was going to play, and star quarterback Cam Ward said in a video call posted on social media that he intends to play, as well. “We’re trying to win our first bowl game in 20 years,” Ward said in the video, mistaking the length of UM’s long bowl losing streak. “We’re going hard.” Playing in the bowl game also provides the opportunity for the Hurricanes to get in several practices between now and the game. That means Miami can develop its young players and prepare them for next season during both the practices and the bowl game itself. “It’s extremely valuable,” Cristobal said. “You really don’t have many opportunities throughout the course of the year — time is limited more and more each season with your student-athletes. I want to state this and be very clear: it’s very important, it’s ultra-important for the University of Miami to continue to develop and grow and progress by stressing the importance of offseason opportunities ... You learn a lot about your team and learn a lot about your people and your program when you head to the postseason.” Of course, there are potential negatives. Players can get hurt; Mark Fletcher Jr. suffered a foot injury in the Pinstripe Bowl last year that cost him all of spring practice. A poor performance can also potentially set the tone for next season, like how Florida State, fresh off a playoff snub last year, suffered a devastating loss against Georgia in the Orange Bowl and went on to a dismal 2-10 season this year. “This is the ending of ’24 and the beginning of ’25,” Cristobal said. “This is the last opportunity to be on the field and carry some momentum into the offseason. So it is, in essence, it is the most important game because it’s the next game. “There’s a lot of excitement in the form of opportunity for our guys. Our guys love to play football. The chance to play one more time with this special group — this is a special group of guys now. They’ve worked hard to really change the trajectory of the University of Miami, and they want to continue to elevate the status and the culture at the University of Miami. So certainly a ton to play for.” ____ Get local news delivered to your inbox!
Social media users are misrepresenting a report released Thursday by the Justice Department inspector general's office, falsely claiming that it's proof the FBI orchestrated the Capitol riot on Jan. 6, 2021. The watchdog report examined a number of areas, including whether major intelligence failures preceded the riot and whether the FBI in some way provoked the violence. Claims spreading online focus on the report's finding that 26 FBI informants were in Washington for election-related protests on Jan. 6, including three who had been tasked with traveling to the city to report on others who were potentially planning to attend the events. Although 17 of those informants either entered the Capitol or a restricted area around the building during the riot, none of the 26 total informants were authorized to do so by the bureau, according to the report. Nor were they authorized to otherwise break the law or encourage others to do so. Here's a closer look at the facts. CLAIM: A December 2024 report released by the Department of Justice's Office of the Inspector General is proof that the Jan. 6 Capitol riot was a setup by the FBI. THE FACTS: That's false. The report found that no undercover FBI employees were at the riot on Jan. 6 and that none of the bureau's informants were authorized to participate. Informants, also known as confidential human sources, work with the FBI to provide information, but are not on the bureau’s payroll. Undercover agents are employed by the FBI. According to the report, 26 informants were in Washington on Jan. 6 in connection with the day's events. FBI field offices only informed the Washington Field Office or FBI headquarters of five informants that were to be in the field on Jan. 6. Of the total 26 informants, four entered the Capitol during the riot and an additional 13 entered a restricted area around the Capitol. But none were authorized to do so by the FBI, nor were they given permission to break other laws or encourage others to do the same. The remaining nine informants did not engage in any illegal activities. None of the 17 informants who entered the Capitol or surrounding restricted area have been prosecuted, the report says. A footnote states that after reviewing a draft of the report, the U.S. attorney's office in Washington said that it “generally has not charged those individuals whose only crime on January 6, 2021 was to enter restricted grounds surrounding the Capitol, which has resulted in the Office declining to charge hundreds of individuals; and we have treated the CHSs consistent with this approach.” The assistant special agent in charge of the Washington Field Office's counterterrorism division told the inspector general's office that he “denied a request from an FBI office to have an undercover employee engage in investigative activity on January 6.” He, along with then-Washington Field Office Assistant Director in Charge Steven D'Antuono, said that FBI policy prohibits undercover employees at First Amendment-protected events without investigative authority. Many social media users drew false conclusions from the report's findings. “JANUARY 6th WAS A SETUP!" reads one X post that had received more than 11,400 likes and shares as of Friday. “New inspector general report shows that 26 FBI/DOJ confidential sources were in the crowd on January 6th, and some of them went into the Capitol and restricted areas. Is it a coincidence that Wray put in his resignation notice yesterday? TREASON!” The mention of Wray's resignation refers to FBI Director Christopher Wray's announcement Wednesday that he plans to resign at the end of President Joe Biden's term in January. Other users highlighted the fact that there were 26 FBI informants in Washington on Jan. 6, but omitted key information about the findings of the report. These claims echo a fringe conspiracy theory advanced by some Republicans in Congress that the FBI played a role in instigating the events of Jan. 6, 2021, when rioters determined to overturn Republican Donald Trump's 2020 election loss to Democrat Joe Biden stormed the Capitol in a violent clash with police. The report knocks that theory down. Wray called such theories “ludicrous” at a congressional hearing last year. Asked for comment on the false claims spreading online, Stephanie Logan, a spokesperson for the inspector general’s office, pointed The Associated Press to a press release about the report. In addition to its findings about the the FBI's involvement on Jan. 6, the report said that the FBI, in an action its now-deputy director described as a “basic step that was missed,” failed to canvass informants across all 56 of its field offices for any relevant intelligence ahead of time. That was a step, the report concluded, “that could have helped the FBI and its law enforcement partners with their preparations in advance of January 6.” However, it did credit the bureau for preparing for the possibility of violence and for trying to identify known “domestic terrorism subjects” who planned to come to Washington that day. The FBI said in a letter responding to the report that it accepts the inspection general’s recommendation “regarding potential process improvements for future events.” — Find AP Fact Checks here: https://apnews.com/APFactCheck .Hearing on truck driver's crash charges to now go before the Local CourtFreiburg survives late onslaught to beat Wolfsburg in Bundesliga thriller
Syria's Druze hope for better future without Assad
Joint forces yesterday arrested seven men on charges of involvement in the killing of lawyer Saiful Islam, who was fatally hacked in the Chattogram Court Building area on Tuesday. Law enforcers also arrested at least 21 others on suspicion of attack on police, damage to property, and battery on the court premises. In the afternoon, hundreds of people gathered at Tigerpass intersection of the port city and demanded justice for assistant public prosecutor Saiful, who was killed during clashes between police, lawyers, and followers of former ISKCON leader Chinmoy Krishna Das Brahmachari. The men arrested over the murder are Rumit Das, Sonu Mathor, Aman Das, Sumit Das, Gogon Das, Nayon Das and Bishal Das, said Assistant Deputy Commissioner Tarek Aziz of Chattogram Metropolitan Police. The joint forces arrested the suspects, aged between 20 and 30, in overnight raids on Mathor Potti, Bundle Road, which is not far from the place where assailants attacked Saiful with sharp weapons, he added. Police filed three cases in connection with Tuesday's violence. A total of 79 named and 1,400 unnamed individuals were accused in the cases, he added. A Chattogram court sent 27 of the arrestees to jail around 5:30pm, said CMP Additional Deputy Commissioner Mafiz Uddin. Police said teams were looking for the other suspects. In a 26-second video that went viral on social media on Tuesday night, a man, who locals identify as Saiful, was seen lying on the road, and 30 to 40 men were seen attacking him with sharp weapons and sticks. One of them, Rajib Bhattacharya, was held by the Detective Branch last night, said Deputy Commissioner Rais Uddin. Meanwhile, fear gripped both Muslim and Hindu residents of neighbourhoods near the Court Building, where large numbers of army, border guards, and law enforcers were deployed. Locals said some shanties of Hindu cleaners were burnt down and two temples were vandalised on Tuesday night. Several windows of Niloy Sajan, the building near which the assailants attacked Saiful, were broken. A local named Mahbub said somebody broke the security camera of the building, and police took the storage device at night. Manik Kumar Das, a cleaner of Chattogram City Corporation, said, "I was outside the area on Tuesday. I heard later that a group of young men from our colony clashed with police. At night, there were police in the area. We don't know who vandalised the temples at night." Another resident named Sujan Dey said, "After the attacks on houses at night, many of us went to our friends and relatives' houses outside the area and slept there to save our lives." PROTESTS Lawyers were on strike yesterday, halting all proceedings at the 74 courts in Chattogram, protesting the murder. The strike will go on today, according to Ashraf Hossen Chowdhury Razzak, secretary of Chattogram Bar Association. Yesterday morning, lawyers demonstrated on the court premises and demanded immediate arrest of the killers. Saiful's body was brought there and a first Namaj-e-Janaza was held around 10:30am. AF Hasan Arif, land ministry adviser; Hasnat Abdullah, convener of the Anti-Discrimination Student Movement; Tofayel Ahmed, Chattogram divisional commissioner; BNP's Chattogram City Convener Ershad Ullah, Member Secretary Nazimur Rahman; Jamaat's Chattogram City Ameer Shahjahan Chowdhury and Secretary General Nurul Amin attended the janaza. Near midday, a group of people ransacked the office of the clerks' association on the court premises and set it on fire, said the association's President Shamsul Islam. A lawyer named Firozul Islam Talukdar said people attacked the office because there were allegations that some clerks on Tuesday helped the attackers. The association president refused to comment about the allegation. The Chief Adviser's Office in a statement in the afternoon said police arrested at least six people in connection with the murder after identifying them in the video. Besides, six members of the Awami League and now-outlawed Chhatra League were arrested in possession of crude bombs in the port city.
Forecasts for the Canadian economy in the event the United States introduces a 25 per cent tariff on all of our exports into our southern neighbour have been grim, with many forecasts suggesting it would send us into a recession. But could Canada be in for an economic fall that would be even worse? Carleton University Sprott School of Business associate professor Ian Lee outlined the risks we face on Newstalk 580 CFRA's The Morning Rush with Bill Carroll on Monday. Shopping Trends The Shopping Trends team is independent of the journalists at CTV News. We may earn a commission when you use our links to shop. Read about us. Editor's Picks 21 Stocking Stuffers Under $5 For Everyone On Your List (And They're All From Amazon Canada) 19 Practical Gifts That Anyone Would Love To Unwrap 23 Great Secret Santa Gifts Under $15 From Amazon Canada Home The Good Stuff: Our Favourite Christmas Lights For 2024 Our Guide To The Best Sectional Sofas You Can Get In Canada Our Guide To The Best Electric Snow Shovels In Canada In 2024 (And Where To Get Them) Gifts The Best Gifts For 10-Year-Old Girls 19 Gifts Under $50 That Are Better Than A Gift Card 20 Of The Best Gifts Worth Splurging On In 2024 Beauty Our Guide To The Best Self Tanners You Can Get In Canada 20 Anti-Aging Skincare Products That Reviewers Can’t Stop Talking About 12 Budget-Friendly Makeup Brushes And Tools Worth Adding To Your Kit Deals Black Friday May Be Over, But You Can Still Take Advantage Of These Amazing Sales On Amazon Canada It's Officially Travel Tuesday: Here Are The Best Deals On Flights, Hotels, And Vacations The Waterpik Advanced Water Flosser Will Make Cleaning Your Teeth So Much Easier — And It's 40% Off For Cyber Monday Ottawa Top Stories FREEZING DRIZZLE ADVISORY | Up to 5 cm of snow, freezing drizzle expected in Ottawa Treasury Board president accuses PSAC of sharing 'misleading information' on $1.9 billion public service pension surplus OC Transpo fare hike will cost Ottawa school bus authority extra $4.6 million this school year Heart transplant recipients celebrate the Ottawa Heart Institute's 40 years of transplants Child allegedly abducted in Gatineau, Que. found safe, police say City of Ottawa ends endorsement deal with water line insurer Ottawa councillor George Darouze nominated as PC candidate for Carleton BREAKING | Suspect in killing of UnitedHealth executive Brian Thompson in custody CTVNews.ca Top Stories LIVE UPDATES | Luigi Mangione, 26, arrested in connection with CEO shooting Luigi Mangione was arrested in Altoona, Penn., after he was spotted at a McDonald’s, authorities say. The suspect was born and raised in Maryland and graduated from Ivy League University of Pennsylvania. Canada Post warns no end in sight for strike after receiving latest union proposals As the Canada Post strike involving more than 55,000 workers neared the end of its 25th day, the postal service warned that a speedy resolution is unlikely. Liberal government survives third Conservative non-confidence vote Conservative Leader Pierre Poilievre's latest attempt to topple the minority Liberal government in a non-confidence vote failed on Monday, thanks to the New Democrats. Trudeau says dealing with Trump will be 'a little more challenging' than last time Justin Trudeau says dealing with incoming president Donald Trump and his thundering on trade will be 'a little more challenging' than the last time he was in the White House. Montreal man retiring early after winning half of the $80 million Lotto-Max jackpot Factor worker Jean Lamontagne, 63, will retire earlier than planned after he won $40 million on Dec. 3 in the Lotto-Max draw. Family spokesman says slain Edmonton security guard had only been working 3 days A spokesman for the family of a security guard who police say was murdered while patrolling an Edmonton apartment building last week says the man had only been on the job for three days. Sask. hockey player recovering after near fatal skate accident during game The Sask East Hockey League (SEHL) has released details of a near fatal accident at one of its games over the weekend – which saw a Churchbridge Imperials player suffer serious injuries after being struck with a skate. What the upcoming holiday GST relief will mean for consumers The federal government's GST break will arrive this Saturday, just in time for the last stretch of holiday shopping. 'Infuriating': Wait times grow amid Canada Post strike as backlogs, frustration mount Wait times for deliveries continue to grow as shoppers and businesses deal with the fallout from the Canada Post strike. Atlantic Eastern Canada storm to impact Maritimes with high winds Thursday An area of low pressure is forecast to develop into a strong storm as it moves from the northeastern U.S. into the St. Lawrence River Valley late Wednesday into Thursday. New report states cancer comes at a high physical and financial cost to Canadians A new report from the Canadian Cancer Society states, on average, a Canadian with cancer pays $33,000 out of their own pocket. Nova Scotia opens first transitional health centre in Bedford Nova Scotia’s first stand-alone, transitional health centre will open its doors this week in Bedford, N.S. Toronto A 'traffic crisis': Economic, social impact of congestion cost Ontario more than $50B in 2024, study finds The cost of lost economic opportunities in the GTHA due to congestion totaled more than $10 billion in 2024 and that number rose to more than $47 billion when factoring in the “social impacts” that diminish a commuter’s quality of life, according to a new report. Toronto police identify victim, suspect in deadly shooting south of Danforth The victim of a deadly shooting south of Toronto’s Danforth neighbourhood has been identified and police have charged a suspect with murder. LIVE UPDATES | Luigi Mangione, 26, arrested in connection with CEO shooting Luigi Mangione was arrested in Altoona, Penn., after he was spotted at a McDonald’s, authorities say. The suspect was born and raised in Maryland and graduated from Ivy League University of Pennsylvania. Montreal 'Looking for the Weinstein of Quebec': impresario Gilbert Rozon's civil trial begins Just for Laughs founder Gilbert Rozon's civil trial for sexual assault opened today at the Montreal courthouse with his lawyer portraying him as the scapegoat in a hunt to find Quebec's Harvey Weinstein. Search for Quebec hiker missing in Adirondacks now likely a recovery mission Authorities in New York state say the search for a 22-year-old Quebec hiker who went missing in the Adirondacks more than a week ago is now likely a recovery mission. Police search for three men who escaped from immigration holding centre in Quebec Authorities are searching for three Chilean nationals who escaped from the Laval Immigration Holding Centre north of Montreal. Northern Ontario Sudbury family traumatized after hospital said loved one had been released, when in fact they had passed away Sudbury resident Angela Vitiello says a staff member at Health Sciences North told her that her brother, Allan St. Martin, was released from the hospital late last month when, in fact, he had passed away. Murder suspect from TO loses bid to have trial moved out of 'vermin' infested Sudbury jail A man charged with a 2022 murder on Manitoulin Island will be tried in Sudbury, after a judge rejected arguments from the defence that Toronto or North Bay would be more convenient for his client. Collision in Sudbury leads to suspect hiding in a closet and the discovery of weapons, drugs A suspect who failed to remain at the scene of an accident near Chelmsford late last month is now facing numerous weapons and drug charges. Windsor Woman dies after vehicle crashes into south Windsor home Windsor police say a 73-year-old woman has died after a vehicle hit a house in south Windsor. Windsor’s high unemployment rate doesn’t paint the whole picture: Experts New Statistic Canada number show there were over 18,000 people still unemployed in our area and looking for work in November. Windsor’s Syrian community celebrates Assad’s departure, hopes to return home The streets of downtown Windsor echoed with honking horns over the weekend as members of the city’s Syrian community celebrated major political developments in their homeland. London Crown closes its case at bush bash shooting trial, defense to begin Wednesday After recalling the father of the shooting victim to the stand, the Crown at the field party shooting trial closed its case in the London courthouse on Monday following several weeks of testimony. Train hits vehicle in Thames Centre: OPP The Middlesex OPP have confirmed a train collided with a vehicle in Thames Centre. Collapsed roof slowly being removed from historic Bayfield, Ont. hotel and restaurant Part of the collapsed roof of the Albion Hotel has been removed but it's unclear if the structure, built in the early 1840s can be saved. Kitchener Salvation Army says donations down almost 40 per cent in Kitchener-Waterloo The Salvation Army has seen a big drop in donations this holiday season. Will he or won't he? Signs that Ford may call an early Ontario election stack up Inside Ontario's legislature, the halls are decked, the sounds of children’s choirs singing Christmas carols waft down the corridors, and in the air there’s a feeling of an election. Waterloo homeowners will pay $99 more on property taxes in 2025 The City of Waterloo has officially passed its 2025 budget with a 6.34 per cent property tax increase. Barrie Man accused in Good Samaritan's death violates court-imposed order while in jail Brandon Aaron has been found guilty of violating a court-imposed non-communication order while behind bars in Penetanguishene. Freezing rain creates slick conditions in Simcoe County After all the snowfall that hit Muskoka and Simcoe County over the last week, Barrie and many other parts of the region are under a freezing rain warning as of Sunday evening. Horse-drawn buggy collision with straight truck sends 4 to hospital Four people were taken to the hospital after a collision involving a horse-drawn carriage and a straight truck in Southgate Township near Dundalk. Winnipeg The snow is here: How much snow fell in Winnipeg and parts of Manitoba? A low pressure system brought snow, freezing rain and freezing drizzle to much of southern Manitoba starting Sunday. Six train cars come off the tracks northwest of Portage la Prairie Six cars came off the tracks and Highway 16 was closed after a train derailment early Monday morning. Bob Odenkirk makes an appearance at the Winnipeg Jets game Another day, another moment of Bob Odenkirk enjoying what Winnipeg and Manitoba have to offer. Calgary Alberta cancels foreign worker recruitment trip to United Arab Emirates The Alberta government says it has pulled the plug on a foreign worker recruitment mission in the United Arab Emirates scheduled for early next year. BREAKING | Parents charged in toddler son's death plead guilty to manslaughter The parents accused in the death of their 18-month-old son pleaded guilty to manslaughter charges in a Calgary courtroom Monday. What the upcoming holiday GST relief will mean for consumers The federal government's GST break will arrive this Saturday, just in time for the last stretch of holiday shopping. Edmonton Family spokesman says slain Edmonton security guard had only been working 3 days A spokesman for the family of a security guard who police say was murdered while patrolling an Edmonton apartment building last week says the man had only been on the job for three days. Investigators deem fire at Tofield police detachment as arson: RCMP A fire that occurred at the Tofield, Alta., RCMP detachment on Dec. 2 has been declared an arson by investigators. Alberta cancels foreign worker recruitment trip to United Arab Emirates The Alberta government says it has pulled the plug on a foreign worker recruitment mission in the United Arab Emirates scheduled for early next year. Regina Sask. Court of Appeal denies White City's request to annex 4,000 acres from RM of Edenwold A land dispute that's been taking place just east of Regina for the past six years has been put to rest, according to the Rural Municipality (RM) of Edenwold. Regina homicide suspect makes national most wanted list A man wanted in connection to a fatal shooting in Regina earlier this year is now among Canada's top 25 most wanted. Sask. hockey player recovering after near fatal skate accident during game The Sask East Hockey League (SEHL) has released details of a near fatal accident at one of its games over the weekend – which saw a Churchbridge Imperials player suffer serious injuries after being struck with a skate. Saskatoon Emergency crews searching the South Saskatchewan River for body of missing man Saskatoon police and firefighters have begun searching the South Saskatchewan River for the body of a 48-year-old man who went missing late last month. Sask. driver walks away without serious injury after car slides into train One lucky driver walked away without serious injuries after their vehicle slid into a train near Langham, the Saskatchewan RCMP says. Sask. hockey player recovering after near fatal skate accident during game The Sask East Hockey League (SEHL) has released details of a near fatal accident at one of its games over the weekend – which saw a Churchbridge Imperials player suffer serious injuries after being struck with a skate. Vancouver Inmate dies at B.C. minimum-security prison A 33-year-old man has died while in custody at a federal minimum-security prison in British Columbia. How to attend former B.C. premier John Horgan's memorial Sunday British Columbians are invited to pay respects to former premier John Horgan at his state memorial service on Sunday. B.C. driver who blamed boozing on low blood sugar after fatal crash found guilty A diabetic man who claimed he had been drinking alcohol to combat dwindling blood sugar the night he was involved in a fatal crash near Sicamous, B.C., has been found guilty of impaired driving causing death. Vancouver Island Inmate dies at B.C. minimum-security prison A 33-year-old man has died while in custody at a federal minimum-security prison in British Columbia. How to attend former B.C. premier John Horgan's memorial Sunday British Columbians are invited to pay respects to former premier John Horgan at his state memorial service on Sunday. Burnaby RCMP announce charges in 2021 murder case Mounties say two men have been charged in the 2021 murder of a 38-year-old man in Burnaby, B.C. Kelowna Study of 2023 Okanagan wildfires recommends limiting development in high-risk areas A study into the devastating wildfires that struck British Columbia's Okanagan region in 2023 has recommended that government and industry limit development in high-fire-risk areas. Kelowna, B.C., to host the Memorial Cup in the spring of 2026 The Western Hockey League's Kelowna Rockets will host the Memorial Cup in the spring of 2026, the Canadian Hockey League said Wednesday. 545 vehicles impounded in 332 days: BC Highway Patrol pleads for drivers to slow down Mounties with the BC Highway Patrol in Kelowna say they've impounded more than 545 vehicles for excessive speed and aggressive driving so far this year. That works out to more than 1.6 per day. Stay ConnectedBirthright citizenship means anyone born in the United States automatically becomes an American citizen.Syria's Druze hope for better future without Assad
Why Miami’s Pop-Tarts Bowl appearance is important even after missing College Football Playoff
Meet GenCast: The Game-Changing AI That Predicts Weather 15 Days Ahead with Unmatched Accuracy - The Daily Galaxy --Great Discoveries ChannelEuropeans must be ready to sacrifice some “luxuries” to pay to support Ukraine and to prevent a “wartime scenario” coming to the nations of the continent if they are insufficiently prepared, NATO’s most senior military officer said in a speech namechecking both Russia and China as threats. NATO’s Admiral Rob Bauer, the Dutch naval officer who is chair of the NATO Military Committee addressed a conference of the European Policy Centre think tank on Monday, and while asserting the alliance is more ready now “than it has ever been”, delivered a somewhat pessimistic message of the need for preparedness for conflict. In a speech aimed at businesses across the alliance, the Admiral outlined that businesses had to be ready for war, but by improving their readiness they also reduced the likelihood of future fighting by improving NATO’s level of deterrence. The scale of spending needed to keep the peace in Europe is such that ordinary people would feel the pinch in the pocketbook, Admiral Bauer said, calling on politicians to provide strong leadership to make the case this is necessary to voters. He said: “if you ramp up your deterrence and if you ramp up support to Ukraine, there will be less money to spend on other things. It will take away some of our luxuries, it will require sacrifice.” Also implied is the extra cost on businesses, making a shift away from efficient, cost-cutting but fragile ‘just in time’ models to more robust practices to make businesses in America and Europe more insulated to shock. This itself increases the deterrence of NATO to its adversaries, he said, because knowing Western economies can’t be knocked over by the hybrid warfare of a sudden supply shock denies that weapon to those who would weaponise trade. While the present adversary is Russia, wise economies would also be seeking to reduce their dependence on China, Admiral Bauer said, reminding listeners that the vast majority of strategic imports like rare earth minerals and essential medicines are made there. He said: [Euro and American businesses should ask themselves] is my company or organisation ready for war? What can my company or organisation do to prevent war? That question might surprise some people, but if we can ensure that all goods and services can be delivered no matter what, then that is a key part of our deterrence... when it comes to great power competition all instruments of power can and will be used, we are seeing that in a growing number of sabotage acts. And Europe has seen that with energy supply. We thought we had a deal with Gazprom, but we actually had a deal with Mr Putin. The same goes for Chinese-owned infrastructure and goods, we actually have a deal with Xi... we are naïve if we think the Communist Party will never use that power Businesses need to “be prepared for a wartime scenario”, Admiral Bauer told the conference, intoning that war and preventing war is a “whole-of-society event”, stating: “while it may be the military that wins battles, it is the economy which wins wars”. While the warnings to Western societies are stark, they comments are not out of character for Admiral Bauer who as the top military officer inside the NATO alliance headquarters works to improve the readiness and deterrence of the signatory states. Part of this push, he has explained, is about rebalancing the alliance so European countries contribute more to their own defence. Breitbart reported in January when Admiral Bauer spoke not on the responsibility of businesses to contribute to the total defence but of individuals. again speaking of the “whole-of-society” event of a major war, he said the era where Western-fought wars are remote from civilian life is over. As reported then: A visibly agitated Baurer responded to one journalist accusing military leaders of attempting to frighten the public with their announcements, the press writer citing a Swedish general telling the public that war is coming and they should be ready for it had led to “panic buying” of self-preparedness items. Bauer said if the public are “surprised” to suddenly discover they are to be part of a whole-of-society effort to repel Russian aggression then “that’s great”. The admiral responded to the question that this shock could spur individuals to become more prepared. He said in remarks likely meant for the public: “the people, they have to understand they play a role. Society is part of the solution... you need to have water, you need to have a radio on batteries, you need to have a flashlight with batteries to make sure you can survive the first 36 hours. Things like that, that’s simple things but it starts there.” “I’m not going to say everything is going to go wrong tomorrow, but we have to realise it is not a given that we are in peace”, the NATO military boss said, saying there had to be a wider societal realisation that: “not everything is plannable, not everything is going to be hunky-dory for the next 20 years.” While Admiral Bauer’s statements may seem alarming, others yet shout louder about the possibility of wider war coming to Europe. Poland, which would very much be in the firing line should Russia decide their Ukraine war had gone so well they’d try it again somewhere else, has been first among NATO nations in this regard, with the head of their National Security Bureau saying in December Europe has just three years to get ready. This is the time Russia needs “to reconstitute its army”, he said, expressing the Polish view that if NATO is to successfully deter further Russian aggression it had to be able to show it could stand up to another invasion quickly. Professor Katarzyna Pisarska of the Warsaw Security Forum also spoke to these points, articulating Admiral Bauer’s assertion that Europe would have to sacrifice some luxuries to fund its militaries to transform them into credible forces that Russia would not care to confront. She said “this lifestyle, the focus on the welfare state, on prosperity under the American protective umbrella” may become unsustainable under the cost burden of keeping freedom free, and told a German newspaper: When do preparations for this scenario need to begin? They should have started yesterday... We can, like Emmanuel Macron, speak of “European autonomy”. But what does that mean? Can France station 10,000 soldiers in Poland tomorrow? Can Germany effectively defend NATO’s eastern flank? Credible deterrence is needed. We currently only have that with the Americans.MLB swaps 2025 Rays dates at Steinbrenner Field with Twins, Angels
I tried on black sparkly co-ord from Tesco starting at just €20 – it’s perfect for Christmas nights outHealey signs jobs bill with legislative additions
GREEN BAY, Wis. (AP) — After losing to San Francisco in the playoffs three of the last five seasons, the Green Bay Packers wouldn’t mind seeing the 49ers get left out of the postseason entirely. The Packers (7-3) could damage San Francisco’s playoff hopes Sunday by beating the 49ers at Lambeau Field. San Francisco (5-5) dropped to .500 after losing at home to the Seattle Seahawks, though the 49ers remain just a game behind the Arizona Cardinals in the NFC West. “I think we’re motivated to keep winning more than anything,” Packers center Josh Myers said. “Obviously, they have knocked us out quite a bit. There’s that extra motivation behind it, but at this point, we’re just trying to churn out wins.” Green Bay is third in the NFC North and two games behind the Detroit Lions, but the Packers appear on track to at least earn a wild-card playoff berth. History suggests their path to a potential Super Bowl would get much clearer if the 49ers aren’t standing in their way. The 49ers trailed 21-14 in the fourth quarter before rallying to beat the Packers 24-21 in the divisional playoffs last year on Christian McCaffrey’s 6-yard touchdown run with 1:07 left. Now it’s the 49ers who are struggling to protect late leads, as they’ve blown fourth-quarter advantages in three games against divisional opponents. “You could look at, ‘Hey, we’re three possessions away from being 8-2,’ but you can’t really live like that,” 49ers tight end George Kittle said. “Those are the mistakes that we’ve made to be 5-5. It’s not exactly where we want to be. It is frustrating. The nice thing is we have seven games left to go out there and play Niners football and take advantage of those opportunities.” Green Bay’s recent history of playoff frustration against the 49ers also includes a 13-10 loss at Lambeau Field in the 2021 divisional playoffs and a 37-20 road defeat in the 2019 NFC championship game. Even the Packers who weren’t around for last season’s playoff loss realize what this game means. “I think one of the first meetings that I was in here, we had a conversation about the Niners beating us,” said Green Bay safety Xavier McKinney, who joined the Packers this season. “So I understand how important it is, and we all do.” Both teams must figure out how to convert red-zone opportunities into touchdowns. The 49ers are scoring touchdowns on just 48.8% of their drives inside an opponent’s 20-yard line to rank 27th in the NFL. The Packers are slightly worse in that regard, scoring touchdowns on 48.7% of their red-zone possessions to rank 28th. In their 20-19 victory at Chicago on Sunday, Green Bay drove to the Bears 5 without scoring on two separate series. Kittle expects to play Sunday after missing the Seahawks game with a hamstring injury, but four-time Pro Bowl edge rusher Nick Bosa’s status is uncertain after he hurt his left hip and oblique in that game. Seattle scored both of its TDs after Bosa left in the third quarter with an injury and averaged 2.7 additional yards per play after he got hurt. Packers cornerback Jaire Alexander didn’t play in the second half of the Bears game due to a knee injury that also prevented him from playing in a Nov. 3 loss to Detroit. Green Bay’s defense feasted on turnovers the first part of the season, but hasn’t been as effective in getting those takeaways lately. The Packers have 19 takeaways – already exceeding their 2023 total – but haven’t forced any turnovers in their last two games. 49ers coach Kyle Shanahan hasn’t eased McCaffrey back into the lineup in his return after missing the first eight games with Achilles tendinitis. McCaffrey has played 91% of the 49ers’ offensive snaps the past two weeks. Jordan Mason, who rushed for 685 yards during McCaffrey’s absence, has just five snaps on offense the last two games. Shanahan said he’d like to get Mason more opportunities, but it’s hard to take McCaffrey off the field. Green Bay nearly lost to the Bears because of its third-down struggles on both sides of the ball. The Packers were 1 of 5 on third-down opportunities, while the Bears went 9 of 16. The Packers’ defense could have a tough time correcting that problem against San Francisco, which has converted 45.4% of its third-down situations to rank fourth in the league. AP Pro Football Writer Josh Dubow contributed to this report. AP NFL: https://apnews.com/hub/NFLStephenson puts up 21 as CSU Bakersfield knocks off Northeastern 68-60Elon Musk says he’ll use AI to ‘make games great again’ after anti-woke tiradeTrump promises to end birthright citizenship: What is it and could he do it?