jilibay app

jilibay app The changes announced by the world's biggest retailer followed a string of legal victories by conservative groups that have filed an onslaught of lawsuits challenging corporate and federal programs aimed at elevating minority and women-owned businesses and employees. The risk associated with some of programs crystalized with the election of former President Donald Trump, whose administration is certain to make dismantling diversity, equity and inclusion programs a priority. Trump's incoming deputy chief of policy will be his former adviser Stephen Miller , who leads a group called America First Legal that has aggressively challenged corporate DEI policies. “There has been a lot of reassessment of risk looking at programs that could be deemed to constitute reverse discrimination,” said Allan Schweyer, principal researcher the Human Capital Center at the Conference Board. “This is another domino to fall and it is a rather large domino,” he added. Among other changes, Walmart said it will no longer give priority treatment to suppliers owned by women or minorities. The company also will not renew a five-year commitment for a racial equity center set up in 2020 after the police killing of George Floyd. And it pulled out of a prominent gay rights index . Schweyer said the biggest trigger for companies making such changes is simply a reassessment of their legal risk exposure, which began after U.S. Supreme Court’s ruling in June 2023 that ended affirmative action in college admissions. Since then, conservative groups using similar arguments have secured court victories against various diversity programs, especially those that steer contracts to minority or women-owned businesses. Most recently, the conservative Wisconsin Institute for Law & Liberty won a victory in a case against the U.S. Department of Transportation over its use of a program that gives priority to minority-owned businesses when it awards contracts. Companies are seeing a big legal risk in continuing with DEI efforts, said Dan Lennington, a deputy counsel at the institute. His organization says it has identified more than 60 programs in the federal government that it considers discriminatory, he said. “We have a legal landscape within the entire federal government, all three branches -- the U.S. Supreme Court, the Congress and the President -- are all now firmly pointed in the direction towards equality of individuals and individualized treatment of all Americans, instead of diversity, equity and inclusion treating people as members of racial groups,” Lennington said. The Trump administration is also likely to take direct aim at DEI initiatives through executive orders and other policies that affect private companies, especially federal contractors. “The impact of the election on DEI policies is huge. It can’t be overstated,” said Jason Schwartz, co-chair of the Labor & Employment Practice Group at law firm Gibson Dunn. With Miller returning to the White House, rolling back DEI initiatives is likely to be a priority, Schwartz said. “Companies are trying to strike the right balance to make clear they’ve got an inclusive workplace where everyone is welcome, and they want to get the best talent, while at the same time trying not to alienate various parts of their employees and customer base who might feel one way or the other. It’s a virtually impossible dilemma,” Schwartz said. A recent survey by Pew Research Center showed that workers are divided on the merits of DEI policies. While still broadly popular, the share of workers who said focusing on workplace diversity was mostly a good thing fell to 52% in the November survey, compared to 56% in a similar survey in February 2023. Rachel Minkin, a research associated at Pew called it a small but significant shift in short amount of time. There will be more companies pulling back from their DEI policies, but it likely won’t be a retreat across the board, said David Glasgow, executive director of the Meltzer Center for Diversity, Inclusion and Belonging at New York University. “There are vastly more companies that are sticking with DEI," Glasgow said. "The only reason you don’t hear about it is most of them are doing it by stealth. They’re putting their heads down and doing DEI work and hoping not to attract attention.” Glasgow advises organizations to stick to their own core values, because attitudes toward the topic can change quickly in the span of four years. “It’s going to leave them looking a little bit weak if there’s a kind of flip-flopping, depending on whichever direction the political winds are blowing,” he said. One reason DEI programs exist is because without those programs, companies may be vulnerable to lawsuits for traditional discrimination. “Really think carefully about the risks in all directions on this topic,” Glasgow said. Walmart confirmed will no longer consider race and gender as a litmus test to improve diversity when it offers supplier contracts. Last fiscal year, Walmart said it spent more than $13 billion on minority, women or veteran-owned good and service suppliers. It was unclear how its relationships with such business would change going forward. Organizations that that have partnered with Walmart on its diversity initiatives offered a cautious response. The Women’s Business Enterprise National Council, a non-profit that last year named Walmart one of America's top corporation for women-owned enterprises, said it was still evaluating the impact of Walmart's announcement. Pamela Prince-Eason, the president and CEO of the organization, said she hoped Walmart's need to cater to its diverse customer base will continue to drive contracts to women-owned suppliers even if the company no longer has explicit dollar goals. “I suspect Walmart will continue to have one of the most inclusive supply chains in the World,” Prince-Eason wrote. “Any retailer's ability to serve the communities they operate in will continue to value understanding their customers, (many of which are women), in order to better provide products and services desired and no one understands customers better than Walmart." Walmart's announcement came after the company spoke directly with conservative political commentator and activist Robby Starbuck, who has been going after corporate DEI policies, calling out individual companies on the social media platform X. Several of those companies have subsequently announced that they are pulling back their initiatives, including Ford , Harley-Davidson, Lowe’s and Tractor Supply . Walmart confirmed to The Associated Press that it will better monitor its third-party marketplace items to make sure they don’t feature sexual and transgender products aimed at minors. The company also will stop participating in the Human Rights Campaign’s annual benchmark index that measures workplace inclusion for LGBTQ+ employees. A Walmart spokesperson added that some of the changes were already in progress and not as a result of conversations that it had with Starbuck. RaShawn “Shawnie” Hawkins, senior director of the HRC Foundation’s Workplace Equality Program, said companies that “abandon” their commitments workplace inclusion policies “are shirking their responsibility to their employees, consumers, and shareholders.” She said the buying power of LGBTQ customers is powerful and noted that the index will have record participation of more than 1,400 companies in 2025.SANTA CLARA — No Brock Purdy. No Nick Bosa. No chance for the 49ers on Sunday in Green Bay? “We’re missing two good players definitely but we’ll have a lot of good players out there,” 49ers coach Kyle Shanahan countered. “By no means do we not have a chance to win. We’ll fight our tails off. We’ll expect a real good game.” Purdy’s throwing-shoulder soreness will force him to miss his first game due to injury since becoming the 49ers’ starting quarterback nearly two years ago, and that thrusts ninth-year journeyman Brandon Allen into his 10th career start and first since 2021 with Cincinnati. Bosa’s oblique and hip injuries will sideline him for his first game of this wobbly season. Also ruled out were cornerback Charvarius Ward (personal), return specialist Jacob Cowing (concussion), defensive tackle Kevin Givens (groin) and linebacker Tatum Bethune (knee), while left tackle Trent Williams (ankle) is questionable as a game-time decision for a second straight game. Tight end George Kittle (hamstring) and running back Christian McCaffrey (Achilles) are good to go for an offense that must make do without Purdy at the NFL’s most historic venue. Allen, who last threw a regular-season pass in 2022 as Joe Burrow’s backup in Cincinnati, will guide the 49ers’ offense in a key game as San Francisco aims to make a playoff push. “It’s an opportunity,” Allen said. “The circumstances are what they are. Our team all year long, we’ve been dealing with injuries here or there. It’s been a big next-man-up mentality. It’s definitely an opportunity for me to go out, play well, put our guys in a good position to win the game. “Obviously we want Brock back and healthy and all that,” Allen added. “For the time being, it is an opportunity for me.” Josh Dobbs, who lost out to Allen in training camp and the preseason for the QB2 role, will serve in that capacity Sunday at Lambeau Field, where neither quarterback has played a regular-season game. Rookie Tanner Mordecai likely will be elevated from the practice squad Saturday to serve as the emergency No. 3 quarterback. Purdy wore a resigned, dour expression but offered upbeat words as he walked through the locker room, saying: “We’re all good.” This is not how Shanahan scripted it earlier in the week. “(Purdy) got the MRI on Monday, we thought he just needed some rest and really weren’t concerned about not being there this week,” Shanahan said Friday. “I don’t want to say there’s long-term concern,” Shanahan said Friday. “We got the MRI on Monday. We thought he just needed some rest and really weren’t concerned about him not being good this week.” Purdy rested his arm Wednesday, then left the practice field Thursday after a few light throws. “It surprised him, surprised us how it felt, so we had to shut him down,” Shanahan said. “The MRI doesn’t look like (it’s serious) so it should be alright. But the way it responded this week, it’s really up in the air for next week. We’ll have to see on Monday.” The 49ers follow this week’s trip at Green Bay with a prime-time appearance next Sunday, Dec. 1 in Buffalo. “I know this is like the first time Brock’s missed a game probably in his life,” Allen said. “He’s a tough guy and I’m not too worried about it. I don’t think any of our guys are. He’ll rehab and get back as fast as he can.” No one is saying when Purdy got hurt in Sunday’s 20-17 loss to Seattle, whether it was from diving for the goal line on his first-quarter touchdown scramble or later in the game. Shanahan did note that Purdy struggled to keep his shoulder loose and threw on the sideline, then the pain intensified after the game and into Monday. “It was somewhere during that Seattle game and I’m not sure Brock knows,” general manager John Lynch said on KNBR. “He fought through it through the course of the game. I did see him during the course of the game, anytime there was a pause, he kept throwing. At that point, you’re feeling something but he was so focused on trying to win.” Shanahan lauded Allen as a “really good thrower” who “runs our offense well” and that “guys believe in him.” The feeling is mutual on Allen’s side, as he explained what it was like as Purdy’s stand-in on the starting unit in practice this week: “It’s been a blessing to have them in the huddle with me and the leadership that’s in the huddle, so I can just come in and fill the spot for Brock for now, just try to make some plays and get the ball in their hands.” Added Shanahan: “It’s not a big game-plan adjustment. This is something we didn’t think would happen early in the week. We were fully preparing for Brock to go.” The Packers prepared that way, too. Allen is no total stranger, however. Packers coach Matt LaFleur told reporters Friday in Green Bay, prior to Purdy’s no-show practice: “I know Brandon. I was with him in L.A. (in 2017). He’s been in the league a long time. But I wouldn’t expect their offense to change a whole bunch.” BOSA WILL REMAIN HOME While Purdy traveled with the 49ers to Green Bay, Bosa was staying behind to rehabilitate the upper-body injuries that forced him to miss Sunday’s fourth-quarter collapse against Seattle. It will be the first game Bosa has missed since Oct. 16, 2022 with a groin injury. The 49ers lost a road game that day to Atlanta 28-14 during a season in which Bosa was the NFL’s Defensive Player of the Year. Sam Okuayinonu figures to make his first career start in place of Bosa while Leonard Floyd makes his 11th start at the other defensive end slot. WILLIAMS QUESTIONABLE Williams, with the help of a pain-killing injection, made it through the Seattle loss at what he said afterwards was 65 percent. Although listed as questionable, Shanahan reiterated Williams’ status could go right up to kickoff. Jaylon Moore likely would start in place of Williams, if needed. WARD BACK NEXT WEEK? Ward, mourning the death of his 23-month-old daughter, was declared out but Shanahan hoped to have the All-Pro cornerback next week when the 49ers visit Buffalo. “He’s taken three full weeks off,” Shanahan said. “It’s not like dealing with all that stuff he’s getting workouts in and all that. We’re just happy to get him back in the building this week. We don’t want to put any pressure on him, hopefully he’ll be good to go next week.” Among those listed as questionable is guard/center Jon Feliciano, whose 21-day window of practicing while on injured reserve is about to expire. If the 49ers don’t put Feliciano on the 53-man roster by Monday, he’ll spend the rest of the season on injured reserve. PACKERS INJURIES Cornerback Jaire Alexander (knee) was ruled out after being unable to practice all week, and linebacker Edgerrin Cooper (hamstring) also will not suit up for Green Bay’s defense. Defensive tackle Colby Wooden is questionable as the only other Packers player on their injury report.

Winners of 3 straight, UTEP takes aim at short-handed LouisvilleIt can happen when you’re crossing the road and you underestimate the height of the curb when stepping off. Or you could be pivoting or jumping during sports when your ankle contacts the ground awkwardly and twists to the side. No matter the scenario, you’ll be left limping and wincing in pain. Ankle sprains are one of the most common musculoskeletal injuries that doctors see. At National University Hospital (NUH), for instance, ankle sprains account for up to 70 per cent of all sports injuries related to the foot, according to Adjunct Assistant Professor Andrew Hong Choon Chiet, the head and consultant with NUH’s Department of Orthopaedic Surgery, Division of Foot and Ankle Surgery. Over at Mount Elizabeth Hospital, orthopaedic surgeon Dr Nicholas Yeo sees three or four cases per week. “These account for 10 per cent of Accident & Emergency visits and up to 30 per cent of all sports-related injuries,” he said. But what’s the big deal, you say, as you sit there icing your foot. Everyone has had a sprained ankle before, whether you’re a weekend warrior or just love wearing high heels. And anyway, the swelling and pain will subside with time, right? For one, a previous sprain may predispose you to future ones if you don’t help it heal properly. Second, if you keep spraining the same ankle, it could lead to something serious such as end-stage arthritis. So, what can you do if your ankle keeps getting injured? What recourse is there for ankle arthritis? We find out from the experts. WHAT USUALLY HAPPENS TO THE ANKLE WHEN IT’S SPRAINED? The most common type of ankle sprain is the lateral ankle sprain when the joint rolls laterally inwards, said Adj Asst Prof Hong. According to Harvard Health Publishing , this inward-rolling action can damage the ligaments in the outer ankle that form part of the ankle ligament complex. Ligaments are bands of fibrous tissue that connect bone to bone. Depending on the severity of the damage (from Grade 1 to 3), the injured ligaments could end up over-stretched or torn. And like a worn-out rubber band, they can’t snap back into shape to provide stability to the ankle. But it’s not all doom and gloom the minute you have a sprain. The vast majority of individuals, who sprain their ankles for the first time, “recover well enough to return to their pre-injury activities”, said Dr Yeo. The issue comes when you have more than one sprain. “The ankle may become too lax and unstable. Strengthening the surrounding muscles can no longer compensate for the insufficiency of the ankle ligament complex and this predisposes one to future sprains,” said Dr Yeo. “A lateral ankle sprain can also cause injury to the proprioceptive receptors, resulting in altered neuromuscular activities such as delayed muscle response time, poor balancing and proprioceptive reflex,” said Adj Asst Prof Hong. WHY ARE SOME PEOPLE MORE PRONE TO ANKLE SPRAINS THAN OTHERS? High-arched feet can make you more prone to sprains, said Dr Yeo. “This type of foot shape causes the ankle and foot to curve inwards slightly, and makes it more likely to invert or ‘roll’ the ankles inwards,” he said. Having lax ligaments could be another cause, said Adj Asst Prof Hong. This means your joints are naturally very flexible and have a wider range of motion than most people – good for yoga perhaps, but not so good for minimising ankle sprains. Biomechanics aside, certain sports, too, can increase your risk, Dr Yeo added, including basketball, soccer, volleyball and racket sports. “Basically, any sports where you have to jump, land and pivot quickly would predispose you to ankle injuries.” And once you have an ankle sprain, you have a 12 per cent to 47 per cent risk of re-spraining that same ankle again and again, said Adj Asst Prof Hong, which could, in turn, give rise to a condition known as chronic lateral ankle instability. You’ll feel an instability in your ankle, like it’ll give way or collapse when you’re walking or standing. In fact, almost 74 per cent of 231 patients treated at NUH over a five-year period for recurrent sprains had chronic lateral ankle instability, said Adj Asst Prof Hong. HOW DO ANKLE SPRAINS LEAD TO ANKLE ARTHRITIS? “Ankle sprains contribute to up to 22 per cent of all cases of ankle arthritis,” said Dr Yeo. Adj Asst Prof Hong also acknowledged the link. At Ng Teng Fong General Hospital and NUH, up to 25 per cent of end-stage ankle arthritis patients seen over a 10-year period had histories of multiple ankle sprains, he said. Dr Yeo explained that “recurrent ankle sprains lead to ankle instability and this results in uneven weight distribution over the ankle joint”. “Over time, this can progress to ankle arthritis. In a proportion of ankle sprains, there is an associated injury to the cartilage. This, too, can progress with time to more generalised wearing of the joint surface and eventual arthritis.” Adj Asst Prof Hong added that “this is why we often advise patients with unstable ankles who still want to continue their active lifestyles to consider surgical stabilisation”. “We also often recommend patients who are averse to surgery to wear protective braces regularly during sporting or heavy-impact activities to prevent recurrent sprains,” he said. HOW DO WE HELP A SPRAINED ANKLE TO HEAL PROPERLY? You’ve heard of RICE, which stands for rest, ice, compress and elevate, when it comes to treating an ankle sprain. And you should carry out those steps immediately following a sprain, said Adj Asst Prof Hong. If adequate treatment is not instituted early, especially in more severe cases, trauma to the ankle’s surrounding structures such as cartilage, bone, tendons and other ligaments can result. And in the long run, you may end up with sustained pain, swelling, cartilage damage, loose bodies and impingement from bone spurs, said Adj Asst Prof Hong. Hence, “it’s crucial to apply ice to the injured area within 24 hours of the injury,” said Dr Yeo. “A firm compressive dressing should be applied to help reduce swelling. The foot should be elevated above the heart to reduce swelling and a course of anti-inflammatory medication will aid in this, too.” “After approximately two weeks, when the swelling has subsided, the key is to restore the ankle’s range of motion, strength and flexibility,” said Dr Yeo. “Working with a physiotherapist to guide you through this phase of recovery is helpful. After about eight to 10 weeks, a gradual return to exercise and sports is possible.” Oftentimes, according to Dr Yeo, that is enough for the injured ankle to heal on its own through scarring. But “in a proportion of patients, scar tissue can cause pain over the outside of the ankle joint. This is known as impingement. In certain cases, keyhole surgery is required to remove the scar tissue and alleviate the pain.” If you continue to experience ankle pain and instability three months after a sprain, surgery may be required to reconstruct the ankle ligaments, said Dr Yeo. WHAT TREATMENT IS AVAILABLE FOR ARTHRITIC ANKLES? Motion isn’t good news when a joint’s protective cartilage has been worn down over the years and is now the source of joint pain and inflammation, or what is known as arthritis. The same applies to the ankle, especially one that is unstable from recurrent sprains to begin with and has created uneven wearing of the cartilage. In such an instance, the gold standard surgery is ankle fusion or arthrodesis, where the ankle joint is fused to eliminate motion, said Adj Asst Prof Hong. “This is a time-proven and effective surgery to relieve pain and improve function.” The ankle is surgically fixed in a neutral position. While you won’t be able to flex your ankle to point your foot up and down, you’ll still be able to move your heel from side to side, and the middle and front parts of your foot up and down. Also, “patients will have limitations in certain activities such as squatting, driving, climbing stairs and certain sports. But we have observed that they adapt to these limitations and do well,” said Adj Asst Prof Hong. The alternative is total ankle replacement surgery or arthroplasty, said Dr Yeo, who claims to be the earliest surgeon in Asia to perform it. Similar to a knee replacement surgery, it involves replacing the worn parts of the ankle with metal implants. The procedure “allows the patient to preserve the range of motion of the ankle joint. This allows for a more natural gait and movement”, he said. It is more acceptable to patients who don’t wish to lose their range of motion, said Dr Yeo. “Also, an ankle replacement procedure protects the adjacent joints around the ankle as opposed to a fusion procedure, which puts more stress on the surrounding joints.”

2025 Audi A6 e-tron review

Consumers in the United States scoured the internet for online deals as they looked to take advantage of the post-Thanksgiving shopping marathon with Cyber Monday. Even though e-commerce is now part and parcel of many people's regular routines and the holiday shopping season, Cyber Monday — a term coined in 2005 by the National Retail Federation — has become the biggest online shopping day of the year, thanks to the deals and the hype the industry has created to fuel it. Adobe Analytics, which tracks online shopping, expected consumers to spend $13.2 billion Monday — a record, and 6.1% more than last year. That would make it the biggest shopping day for e-commerce for the season — and the year. Online spending was expected to peak between the hours of 8 p.m. and 10 p.m. on Monday night, per Adobe — reaching an estimated $15.7 million spent every minute. For several major retailers, a Cyber Monday sale is a dayslong event that began over the Thanksgiving weekend. An Amazon Prime delivery person lifts packages while making a stop Nov. 28, 2023, in Denver. Amazon kicked off its sales event right after midnight Pacific time on Saturday. Target's two days of discount offers on its website and app began overnight Sunday. Walmart rolled out its Cyber Monday offers for Walmart+ members Sunday afternoon and opened it up to all customers three hours later, at 8 p.m. Eastern time. Consumer spending for Cyber Week — the five major shopping days between Thanksgiving and Cyber Monday — provides a strong indication of how much shoppers are willing to spend for the holidays. Many U.S. consumers continue to experience sticker shock after the period of post-pandemic inflation, which left prices for many goods and services higher than they were three years ago. But retail sales nonetheless remain strong, and the economy kept growing at a healthy pace. At the same time, credit card debt and delinquencies are rising. More shoppers than ever are also on track to use "buy now, pay later" plans this holiday season, which allows them to delay payments on holiday decor, gifts and other items. Many economists also warned that President-elect Donald Trump's plan to impose tariffs next year on foreign goods coming into the United States would lead to higher prices on everything from food to clothing to automobiles. A FedEx delivery person carries a package from a truck Nov. 17, 2022, in Denver. The National Retail Federation expects holiday shoppers to spend more this year both in stores and online than last year. But the pace of spending growth will slow slightly, the trade group said, growing 2.5% to 3.5% — compared to 3.9% in 2023. A clear sense of consumer spending patterns during the holiday season won't emerge until the government releases sales data for the period, but some preliminary data from other sources shows some encouraging signs for retailers. Vivek Pandya, lead analyst at Adobe Digital Insights, noted that discounts from Thanksgiving onward "exceeded expectations" and online spending throughout Cyber Week is on track to cross a record $40 billion mark combined. U.S. shoppers spent $10.8 billion online on Black Friday, a 10.2% increase over last year, according to Adobe Analytics. That's also more than double what consumers spent in 2017, when Black Friday pulled in about $5 billion in online sales. Consumers also spent a record $6.1 billion online on Thanksgiving Day, Adobe said. Meanwhile, software company Salesforce, which also tracks online shopping, estimated that Black Friday online sales totaled $17.5 billion in the U.S. and $74.4 billion globally. Mastercard SpendingPulse, which tracks in-person and online spending, reported that overall Black Friday sales excluding automotive rose 3.4% from a year ago. A United Parcel Service driver sorts deliveries July 15, 2023, on New York's Upper West Side. E-commerce platform Shopify said its merchants raked in a record $5 billion in sales worldwide on Black Friday. At its peak, sales reached $4.6 million per minute — with top categories by volume including clothing, cosmetics and fitness products, according to the Canadian company. Toys, electronics, home goods, self-care and beauty categories were among the key drivers of holiday spending on Thanksgiving and Black Friday, according to Adobe. "Hot products" included Lego sets, espresso machines, fitness trackers, makeup and skin care. Other data showed physical stores saw fewer customers on Black Friday, underscoring how the huge crowds that were once synonymous with the day after Thanksgiving are now more than happy to shop from the comfort of their homes. RetailNext, which measures real-time foot traffic in stores, said its early data showed store traffic on Friday was down 3.2% in the U.S. compared to last year, with the biggest dip happening in the Midwest. Sensormatic Solutions, which also tracks store traffic, said its preliminary analysis showed retail store traffic on Black Friday was down 8.2% compared to 2023. Grant Gustafson, head of retail consulting and analytics at Sensormatic Solutions, noted that in-store traffic was getting spread across multiple days since many retailers offered generous discounts before and after Black Friday. "Some of the extended Black Friday promotions really ended up leading to a little bit of a softer day-of traffic than expected," Gustafson said. In 2024, staying small on purpose seems to be paying off big for small businesses. They're keeping operations small and targeting niche, highly specialized customers. And some business owners find this strategy results in more time, energy, and money to intentionally capitalize on unique, small cap opportunities. The data tells the story of growth in small businesses for the year. According to NEXT , the Small Business Administration (SBA) reports awarding 38,000 SBA 7(a) loans under $150,000: double the amount they awarded in 2020. Here are the related small-business trends paying off in 2024. Commercial real estate agent Ryan Beckenhauer of Market Real Estate in Boulder, Colorado, has noticed that small businesses are growing smaller, and that their office and warehouse spaces are starting to reflect that as they shop for business space. In commercial real estate, many small business owners gravitate toward industrial condos and other flexible spaces. These are small-scale industrial spaces with a 90:10 or 80:20 split of warehouse to office. "More individuals are leveraging skills acquired at larger organizations to venture out on their own," explains Beckenhauer. And he goes on to say that they don't need a large commercial space as they make that leap to start a business. His clients include engineers, consultants, builders and other tradespeople. Beckenhauer's clients like the flexibility of being out of an office and being close to their inventory and workshop space. "The clients want to see and touch the finishes," he says. Small business owners both rent or buy these spaces. But he's seeing his clients opt to own industrial condos to stabilize costs due to rent increases in Boulder. And because these spaces are smaller, it can be easier for new buyers to qualify for financing. Mariana Alvarez, owner of Controller Works , an online bookkeeping and advisory firm, has noticed that small business owners outsource financial support services because they don't want to increase headcount. "Outsourcing gives them the possibility of having access to the knowledge and the skills of a CFO without having to pay for the salary," she says. "They don't have to manage or deal with the workload, employment taxes , and all that comes with it," says Alvarez. Additionally, many small business owners in fields like construction are family-owned, and this makes it easier for business owners to hand off delicate financial work to a trusted person with financial experience. Every small business has recurring tasks that can benefit from some level of artificial intelligence automation . And Alvarez sees a lot of value in using AI for small business bookkeeping. She explains that you can automate the data entry on Quickbooks. "When you create rules, as long as you create the rules correctly, it pretty much does itself," says Alvarez. From there, you can lean on financial experts to help you analyze the data and make more informed decisions. She uses AI as a background resource when guiding her accounting clients. "I believe that we still need the human-to-human interaction that comes with more perspective for financial analysis," she explains. According to the SBA , 77% of consumers feel that human interaction is still required for a positive customer experience. People turn to small businesses every day for a human experience. According to Arvind Rongala, CEO of Edstellar , small business workers can show up for their customers but still use AI for routine tasks like customer queries. "This balance allows companies to scale their operations without losing the personal touch that makes them unique. It's important to remember that AI isn't there to replace the human element—it's there to enhance it," he says. "By really focusing on one very small weakness that Amazon has, I've been able to carve out a successful business by offering something different," says Lou Harvey owner of Tank Retailer , a retailer of commercial water and fuel tanks. "When you read our customer reviews, many of them actually mention me by name because of how much we focus on customer service and go the extra mile." One of Harvey's most successful business strategies this year has been to lean into his small, niche market and offer the kind of customer experience that large retailers like Amazon don't. "Any small weaknesses that Amazon has (however small those weaknesses may be) needs to become a strength of a smaller business focusing on a niche market," says Harvey. Harvey has his company's customer service phone number front and center on the website to help earn customer trust. "I prominently feature our phone number, and a real person always answers the phone (usually it's me)," says Harvey. Lucie Voves, CEO and founder of Church Hill Classics , an online, woman-owned diploma framing company that uses sustainable materials, has noticed an uptick in customers seeking services from a business on a mission. "This year, we've seen a growing inclination for consumers to actively seek out and support small businesses owned by women and minorities," says Voves. When consumers shop small, they choose to make their dollars count. "Customers are fueled by a desire to promote social impact through purchasing power," says Voves. Long gone are the days of online retailers "building it and they will come." In 2024 we've seen more small businesses than ever turn to social commerce to sell directly on social media platforms like Instagram Shopping , Facebook Marketplace , and TikTok . Small business owners are turning toward influencers, social media ads, and organic content to target their customers. Mike Vannelli of Envy Creative creates online ads for businesses, and he has seen his clients succeed on TikTok of late. "I've seen businesses, especially in retail, use TikTok's short-form video format to make their products go viral. Think of it as word-of-mouth marketing on steroids," says Vannelli. He uses the platform's algorithm to push a company's content to the right audiences, and it works because TikTok loves storytelling. "I know small brands that use behind-the-scenes videos, customer testimonials, and even playful challenges that tap into trends to humanize their products and build trust," explains Vannelli. To stand out on TikTok, he says, smaller brands need to embrace authenticity and emotional connection. Show your team, share your journey, and involve your community in content creation. This story was produced by NEXT and reviewed and distributed by Stacker. Get the latest local business news delivered FREE to your inbox weekly.Atalanta goes from the Europa League trophy to the top of Serie A. Inter routs Verona 5-0GREENSBORO, N.C. (AP) — Matthew Downing threw for two touchdowns and ran for another to lead Elon to a 31-21 season-ending win over North Carolina A&T on Saturday. The game was tied at 7 in the second quarter when the Phoenix turned a fumble recovery into a field goal. That started a string of four-straight scoring possessions. Downing was 16 of 21 for 203 yards. Chandler Brayboy had 12 receptions for 118 yards with a score. Rushawn Baker ran for 106 yards for the Phoenix (6-6, 5-3 Coastal Athletic Association). Julian Bumper also had a 10-yard rushing touchdown on his only carry and Jamarien Dalton had a 30-yard receiving touchdown on his only catch. Freshman Cortez Lane returned a kickoff 97 yards for a touchdown for the Aggies (1-11, 0-8), who lost their 11th straight. Justin Fomby threw for 190 yards and a touchdown pass to Daniel Cole and Shimique Blizzard ran for 87 yards and a TD. AP college football: https://apnews.com/hub/ap-top-25-college-football-poll and https://apnews.com/hub/college-football . Sign up for the AP’s college football newsletter: https://apnews.com/cfbtop25

NoneAcushnet In Q3: A Hole-In One Business But Shares Seem DearEPL: Maresca confirms goalkeeper that will start against BrentfordTexas AG puts tech platforms, including ‘predatory’ Character.AI, on notice after chilling lawsuit

Anand Rathi has a buy call on Hindustan Aeronautics Ltd (HAL). with a target price of Rs 4950. The current market price of Hindustan Aeronautics is Rs 4618.8 Time period given by analyst is Quarter when HAL price can reach defined target. Anand Rathi recommended to keep stoploss at Rs 4200. Hindustan Aeronautics, incorporated in 1963, is a Large Cap company with a market cap of Rs 308643.01 crore operating in Defence sector. Hindustan Aeronautics' key products/revenue segments include Sale of services, Spares And Others, Engineering Goods, Other Operating Revenue, Development Projects, Miscellaneous for the year ending 31-Mar-2024. Financials For the quarter ended 30-09-2024, the company has reported a Consolidated Total Income of Rs 6518.70 crore, up 28.22% from last quarter Total Income of Rs 5083.85 crore and up 6.78% from last year same quarter Total Income of Rs 6105.07 crore. The company has reported net profit after tax of Rs 1498.46 crore in the latest quarter. The company?s top management includes Mr.C B Ananthakrishnan, Mr.E P Jayadeva, Mr.Atasi Baran Pradhan, Dr.Divya Gupta, Mr.Deepak Abasaheb Shinde, Dr.D K Sunil, Mr.T Natarajan, Mr.M Z Siddique. Company has Maharaj N R Suresh & Co. LLP as its auditors. As on 30-09-2024, the company has a total of 67 Crore shares outstanding. Stock Trading Market 101: An Insight into Trendlines and Momentum By - Rohit Srivastava, Founder- Indiacharts.com View Program Stock Trading Options Scalping Made Easy By - Sivakumar Jayachandran, Ace Scalper View Program Stock Trading Market 104: Options Trading: Kickstart Your F&O Adventure By - Saketh R, Founder- QuickAlpha, Full Time Options Trader View Program Stock Trading Dow Theory Made Easy By - Vishal Mehta, Independent Systematic Trader View Program Stock Trading Derivative Analytics Made Easy By - Vivek Bajaj, Co Founder- Stockedge and Elearnmarkets View Program Stock Trading Futures Trading Made Easy: Future & Options Trading Course By - Anirudh Saraf, Founder- Saraf A & Associates, Chartered Accountant View Program Stock Trading Technical Analysis Made Easy: Online Certification Course By - Souradeep Dey, Equity and Commodity Trader, Trainer View Program Stock Trading Mastering Options Selling: Advanced Strategies for Success By - CA Manish Singh, Chartered Accountant, Professional Equity and Derivative Trader View Program Stock Trading RSI Made Easy: RSI Trading Course By - Souradeep Dey, Equity and Commodity Trader, Trainer View Program Stock Trading A2Z of Stock Trading - Online Stock Trading Course By - elearnmarkets, Financial Education by StockEdge View Program Stock Trading Market 103: Mastering Trends with RMI and Techno-Funda Insights By - Rohit Srivastava, Founder- Indiacharts.com View Program Stock Trading Technical Analysis for Everyone - Technical Analysis Course By - Abhijit Paul, Technical Research Head, Fund Manager- ICICI Securities View Program Promoter/FII Holdings Promoters held 71.64 per cent stake in the company as of 30-Sep-2024, while FIIs owned 11.85 per cent, DIIs 8.33 per cent. (You can now subscribe to our ETMarkets WhatsApp channel )Nio (NYSE: NIO) , one of the leading electric vehicle (EV) makers in China, posted a messy third-quarter earnings report on Nov. 20. Its revenue dipped 2% year over year to 18.67 billion yuan ($2.66 billion) and missed analysts' estimates by 0.47 billion yuan. Its net loss widened from 3.95 billion yuan to 5.06 billion yuan ($721 million), or 2.14 yuan ($0.31) per American depositary receipt (ADR) -- which also missed the consensus forecast by 0.22 yuan. Those headline numbers were disappointing, but Nio's stock barely budged after the report. That might be because its stock already sank nearly 50% this year and remains more than 25% below its initial public offering (IPO) price . So should you buy, sell, or hold Nio's stock today? Are You Missing The Morning Scoop? Breakfast News delivers it all in a quick, Foolish, and free daily newsletter. Sign Up For Free » What sets Nio apart from its competitors? Nio sells a wide range of electric sedans and SUVs. It sells most of its vehicles in China, but it's been gradually expanding into Europe. It stands out from the competition because its batteries can be quickly swapped out at its battery-swapping stations. Nio's namesake ET, ES, and EC-series vehicles target the premium market. Its Onvo sub-brand sells cheaper smart vehicles, and its new Firefly sub-brand will roll out its first plug-in hybrid electric vehicles (PHEVs) for overseas markets in 2026. How fast is Nio growing? Nio started delivering its first vehicles in 2018. It attracted a lot of attention when its deliveries more than doubled in 2020 and 2021, but it lost its momentum in 2021 and 2022 as China's EV market cooled off. Macro headwinds, weather-related disruptions, and intense competition exacerbated its slowdown. Metric 2019 2020 2021 2022 2023 9M 2024 Deliveries 20,565 43,728 91,429 122,486 160,038 149,281 Growth (YOY) 81% 113% 109% 34% 31% 36% Data source: Nio. YOY = Year over year. But in the first nine months of 2024, Nio's deliveries accelerated again. That acceleration was driven by its strong sales of ET-series sedans and Onvo smart vehicles in China, as well as its expansion into Europe. By the end of October, its year-to-date deliveries had risen 35% year over year to 170,257 vehicles. Nio expects to deliver 72,000 to 75,000 vehicles in the fourth quarter of 2024, which implies its full-year deliveries will grow 51% to 53% from 2023. Analysts expect its revenue to grow 25% for the full year and rise 42% in 2024. Based on those expectations, Nio's stock looks dirt cheap at a price-to-sales ratio of less than 1. By comparison, Tesla trades at 9 times next year's sales. Will Nio ever turn a profit? Nio's vehicle margin jumped from negative 9.9% in 2019 to positive 20.2% in 2021. However, that figure dropped to 9.5% in 2023 and 9.2% in the first quarter of 2024 as the persistent price war in China's softening EV market throttled its pricing power. That pressure drove a lot of investors away from Nio, but its vehicle margin actually rose to 12.2% in the second quarter of 2024 and 13.1% in the third quarter. During the conference call, CFO Stanley Qu set a target vehicle margin for 15% in the fourth quarter and said that would represent its "baseline" for 2025 as it sold a higher mix of premium vehicles. Qu also expects Nio's gross margin to rise from 9% in the first nine months of 2024 to 20% over the long term as it optimizes its marketing strategies and supply chain. But some of those gains could potentially be offset by the rising tariffs on Chinese EVs in Europe and other overseas markets. Even if Nio's vehicle and gross margins expand, its operating margin will likely stay in the red as it builds more loss-leading battery swapping stations. Analysts expect the company to gradually narrow its net losses through 2026, but it won't come close to breaking even anytime soon. Is it the right time to buy, sell, or hold Nio's stock? I think it's smarter to buy or hold Nio's stock than to sell it. Its deliveries are accelerating, its vehicle margins are rising, and its stock is undervalued. The threat of higher tariffs and the EV price war in China could squeeze its near-term valuations, but its stock could soar if it successfully scales up its business. Should you invest $1,000 in Nio right now? Before you buy stock in Nio, consider this: The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now... and Nio wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years. Consider when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $898,809 !* Stock Advisor provides investors with an easy-to-follow blueprint for success, including guidance on building a portfolio, regular updates from analysts, and two new stock picks each month. The Stock Advisor service has more than quadrupled the return of S&P 500 since 2002*. See the 10 stocks » *Stock Advisor returns as of November 18, 2024 Leo Sun has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Tesla. The Motley Fool has a disclosure policy . Nio Stock: Buy, Sell, or Hold? was originally published by The Motley FoolHow major US stock indexes fared Thursday, 11/21/2024

Lebawit Lily Girma | (TNS) Bloomberg News When winter rolls around, travelers predictably turn their attention to beaches. And this year, it’s the destination that comedian Tony Hinchcliffe called “a floating island of garbage in the middle of the ocean” that’s experiencing outsize demand from Americans planning a warm island vacation. Talk about trashing stereotypes. Related Articles Travel | Would you pay $700 a night to sleep under the stars at this Colorado resort? Travel | GM halts funding for Cruise robotaxi program Travel | Thailand’s starring role in ‘The White Lotus’ is about to pay off Travel | 5 under-the-radar travel destinations the UN says you should visit Travel | Gift ideas for people planning their next trip Puerto Rico has recovered overseas visitors (excluding those from Canada and Mexico) faster than any U.S. state or territory — a staggering 85% increase over its 2019 overseas inbound visitor levels as of 2023, according to an October study from the U.S. National Travel and Tourism Office. There are now more daily flights from the U.S. West Coast, and hotel bookings are 6% higher so far in this last quarter of 2024 year-over-year. It’s a trifecta of tourism growth: more visitors, but also longer stays and a higher spend that reached a record $9.8 billion in 2023, boosting small businesses as well as major brands. “We don’t have a slow season in Puerto Rico anymore,” says Brad Dean, chief executive officer at Discover Puerto Rico. Even if they’re not booking, people are dreaming about “La Isla.” By tracking flight searches for trips between November 2024 and February 2025, a measure of “inspirational” demand, tourism intelligence company Mabrian Technologies reports Puerto Rico is up 9% compared with the same period last year and leads Barbados, the Dominican Republic, Jamaica and the Bahamas in the Caribbean proper. Only Costa Rica ranked higher in the wider region. Dean attributes Puerto Rico’s ongoing tourism growth to a strategic effort to reposition the island’s brand as more than a sun-and-sea destination, starting back in 2018. That led to the Live Boricua campaign, which began in 2022 and leaned heavily on culture, history and cuisine and was, Dean says, “a pretty bold departure” in the way Puerto Rico was showcased to travelers. He adds that at least $2 billion in tourism spend is linked to this campaign. “We (also) haven’t shied away from actively embracing the LGBTQ+ community, and that has opened up Puerto Rico to audiences that may not have considered the Caribbean before,” Dean says. Hotels are preparing to meet this growing demand: A number of established boutique properties are undergoing upgrades valued between $4 million and more than $50 million, including Hotel El Convento; La Concha, which will join the Marriott Autograph Collection; Condado Vanderbilt Hotel; and the Wyndham Grand Rio Mar. That’s in addition to ultra-chic options that are coming online in 2025, including the adults-only Alma San Juan, with rooms overlooking Plaza Colón in the heart of Old San Juan, and the five-star Veranó boutique hotel in San Juan’s trendy Santurce neighborhood. The beachfront Ritz-Carlton San Juan in Isla Verde will also be reopening seven years after Hurricane Maria decimated the island. The travel industry’s success is helping boost employment on the island, to the tune of 101,000 leisure and hospitality jobs as of September 2024, a 26% increase over pre-pandemic levels, according to the U.S. Bureau of Labor Statistics. Efforts to promote Puerto Rico’s provinces beyond the San Juan metro area — such as surfing hub Rincón on the west coast, historical Ponce on the south coast and Orocovis for nature and coffee haciendas in the central mountains —have spread the demand to small businesses previously ignored by the travel industry. Take Sheila Osorio, who leads workshops on Afro-Puerto Rican bomba music and dance at Taller Nzambi, in the town of Loíza, 15 miles east of San Juan; or Wanda Otero, founder of cheese-producing company Vaca Negra in Hatillo, an hour’s drive west of Old San Juan, where you can join a cheese-making workshop and indulge in artisanal cheese tastings. “The list of businesses involved in tourism has gone from 650 in 2018 to 6,100, many of which are artists and artisans,” Dean says. While New Yorkers and Miami residents have always been the largest visitor demographic, Dean says more mainland Americans now realize that going to Puerto Rico means passport-free travel to enjoy beaches, as well as opportunities to dine in Michelin-rated restaurants, hike the only rainforest in the U.S. and kayak in a bioluminescent bay. Visitors from Chicago and Dallas, for example, have increased by approximately 40% from July 1, 2023, to June 30, 2024, compared with the same period in 2022-2023, and more travelers are expected from Denver now that United Airlines Holdings Inc. has kicked off its first nonstop service to San Juan, beginning on Oct. 29. Previously, beach destinations that were easy to reach on direct flights from Denver included Mexico, Belize and California, but now Puerto Rico joins that list with a 5.5-hour nonstop route that cuts more than two hours from the next-best option. Given United Airlines’ hub in San Francisco, it could mean more travelers from the Golden State in the near future, too. In December, U.S. airlines will have 3,000 more seats per day to the territory compared with the same period last year, for a total of 84,731 — surpassing even Mexico and the Dominican Republic in air capacity, according to data from aviation analytics firm Cirium. Luis Muñoz Marín International Airport, the island’s primary gateway, is projecting a record volume of 13 million passengers by year’s end — far surpassing the 9.4 million it saw in 2019. As for Hinchcliffe’s “floating island of garbage” line, Dean says it was “a terribly insensitive attempt at humor” that transformed outrage into a marketing silver lining, with an outpouring of positive public sentiment and content on Puerto Rico all over social media. Success, as that old chestnut goes, may be the best revenge. “It was probably the most efficient influencer campaign we’ve ever had,” Dean says, “a groundswell of visitors who posted their photos and videos and said, ‘This is the Puerto Rico that I know.’” ©2024 Bloomberg L.P. Visit bloomberg.com. Distributed by Tribune Content Agency, LLC.

This story originally appeared on NPR . President-elect Donald Trump’s choice to run the sprawling government agency that administers Medicare, Medicaid, and the Affordable Care Act marketplace — celebrity doctor Mehmet Oz — may have significant conflicts of interest. Oz recently held investments, some shared with family, in health care, pharmaceutical firms and tech companies with business in the health care sector, such as Amazon. Collectively, Oz’s holdings totalled tens of millions of dollars, according to financial disclosures he filed during his failed 2022 run for a Pennsylvania U.S. Senate seat. This includes a stake in UnitedHealth Group worth as much as $600,000. Trump said Tuesday he would nominate Oz as administrator of the Centers for Medicare & Medicaid Services. The agency’s scope is huge: CMS oversees coverage for more than 155 million Americans, nearly half the population. Medicare alone accounts for approximately $1 trillion in annual spending, with over 67 million enrollees. UnitedHealth Group is one of the largest health care companies in the nation and arguably the most important business partner of CMS, through which it is the leading provider of commercial health plans available to Medicare beneficiaries. UnitedHealth also offers managed-care plans under Medicaid, the joint state-federal program for low-income people, and sells plans on government-run marketplaces set up via the Affordable Care Act. Oz also had smaller stakes in CVS Health, which now includes the insurer Aetna, and in the insurer Cigna. It’s not clear if Oz, a heart surgeon by training, still holds investments in health care companies, or if he would divest his shares or otherwise seek to mitigate conflicts of interest should he be confirmed by the Senate. Reached by phone on Wednesday, he said he was in a Zoom meeting and declined to comment. An assistant did not reply to an email message with detailed questions. “It’s obvious that over the years he’s cultivated an interest in the pharmaceutical industry and the insurance industry,” said Peter Lurie, president of the Center for Science in the Public Interest, a watchdog group. “That raises a question of whether he can be trusted to act on behalf of the American people.” (The publisher of KFF Health News, David Rousseau, is on the CSPI board .) A wide range of investments Oz used his TikTok page on multiple occasions in November to praise Trump and Robert F. Kennedy Jr., including their efforts to take on the “illness-industrial complex,” and he slammed “so-called experts like the big medical societies” for dishing out what he called bad nutritional advice. Oz’s positions on health policy have been chameleonic; in 2010, he cut an ad urging Californians to sign up for insurance under President Barack Obama’s Affordable Care Act, telling viewers they had a “historic opportunity.” Oz’s 2022 financial disclosures show that the television star invested a substantial part of his wealth in health care and food firms. Were he confirmed to run CMS, his job would involve interacting with giants of the industry that have contributed to his wealth. Given the breadth of his investments, it would be difficult for Oz to recuse himself from matters affecting his assets, if he still holds them. “He could spend his time in a rocking chair” if that happened, Lurie said. In the past, nominees for government positions with similar potential conflicts of interest have chosen to sell the assets or otherwise divest themselves. For instance, Treasury Secretary Janet Yellen and Attorney General Merrick Garland agreed to divest their holdings in relevant, publicly traded companies when they joined the Biden administration. Trump, however, declined in his first term to relinquish control of his own companies and other assets while in office, and he isn’t expected to do so in his second term. He has not publicly indicated concern about his subordinates’ financial holdings. A preference for Medicare Advantage? CMS’ main job is to administer Medicare. About half of new enrollees now choose Medicare Advantage, in which commercial insurers provide their health coverage, instead of the traditional, government-run program, according to an analysis from KFF, a health information nonprofit that includes KFF Health News. Proponents of Medicare Advantage say the private plans offer more compelling services than the government and better manage the costs of care. Critics note that Medicare Advantage plans have a long history of costing taxpayers more than the traditional program. UnitedHealth, CVS, and Cigna are all substantial players in the Medicare Advantage market. It’s not always a good relationship with the government. The Department of Justice filed a 2017 complaint against UnitedHealth alleging the company used false information to inflate charges to the government. The case is ongoing. Oz is an enthusiastic proponent of Medicare Advantage. In 2020, he proposed offering Medicare Advantage to all; during his Senate run, he offered a more general pledge to expand those plans. After Trump announced Oz’s nomination for CMS, Jeffrey Singer, a senior fellow at the libertarian-leaning Cato Institute, said he was “uncertain about Dr. Oz’s familiarity with health care financing and economics.” Singer said Oz’s Medicare Advantage proposal could require large new taxes — perhaps a 20% payroll tax — to implement. Oz has gotten a mixed reception from elsewhere in Washington. Pennsylvania Sen. John Fetterman, the Democrat who defeated Oz in 2022, signaled he’d potentially support his appointment to CMS. “If Dr. Oz is about protecting and preserving Medicare and Medicaid, I’m voting for the dude,” he said on the social platform X. What to know about Dr. Mehmet Oz, Trump’s pick to lead Medicare and Medicaid Oz unsuccessfully ran for Senate in Pennsylvania as a Republican in 2022 and as a an outspoken supporter of Trump. 3 days ago Pharma and biotech Oz’s investments in companies doing business with the federal government don’t end with big insurers. He and his family also hold hospital stocks, according to his 2022 disclosure, as well as a stake in Amazon worth as much as nearly $2.4 million. (Candidates for federal office are required to disclose a broad range of values for their holdings, not a specific figure.) Amazon operates an internet pharmacy, and the company announced in June that its subscription service is available to Medicare enrollees. It also owns a primary care service , One Medical, that accepts Medicare and “select” Medicare Advantage plans. Oz was also directly invested in several large pharmaceutical companies and, through investments in venture capital funds, indirectly invested in other biotech and vaccine firms. Big Pharma has been a frequent target of criticism and sometimes conspiracy theories from Trump and his allies. Kennedy, whom Trump has said he’ll nominate to be Health and Human Services secretary, is a longtime anti-vaccine activist. During the Biden administration, Congress gave Medicare authority to negotiate with drug companies over their prices. CMS initially selected 10 drugs. Those drugs collectively accounted for $50.5 billion in spending between June 1, 2022, and May 31, 2023, under Medicare’s Part D prescription drug benefit. At least four of those 10 medications are manufactured by companies in which Oz held stock, worth as much as about $50,000. var googletag = googletag || {}; googletag.cmd = googletag.cmd || []; googletag.cmd.push(function() { googletag.defineSlot('/1050414/whyy_inline_300x250_2', [300, 250], 'div-gpt-ad-1632838704911-0').addService(googletag.pubads()); googletag.pubads().setTargeting("adcat","whyy_health"); googletag.enableServices(); googletag.display('div-gpt-ad-1632838704911-0'); }); WHYY thanks our sponsors — become a WHYY sponsor Oz may gain or lose financially from other Trump administration proposals. For example, as of 2022, Oz held investments worth as much as $6 million in fertility treatment providers. To counter fears that politicians who oppose abortion would ban in vitro fertilization, Trump floated during his campaign making in vitro fertilization treatment free. It’s unclear whether the government would pay for the services. In his TikTok videos from earlier in November, Oz echoed attacks on the food industry by Kennedy and other figures in his “Make America Healthy Again” movement. They blame processed foods and underregulation of the industry for the poor health of many Americans, concerns shared by many Democrats and more mainstream experts. But in 2022, Oz owned stakes worth as much as $80,000 in Domino’s Pizza, Pepsi, and US Foods, as well as more substantial investments in other parts of the food chain, including cattle; Oz reported investments worth as much as $5.5 million in a farm and livestock, as well as a stake in a dairy-free milk startup. He was also indirectly invested in the restaurant chain Epic Burger. One of his largest investments was in the Pennsylvania-based convenience store chain Wawa, which sells fast food and all manner of ultra-processed snacks. Oz and his wife reported a stake in the company, beloved by many Pennsylvanians, worth as much as $30 million. KFF Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF. Never miss a moment with the WHYY Listen App! Play, pause, and rewind the live radio stream, access on-demand audio features, and dive into podcasts from both local and national sources. WHYY is your source for fact-based, in-depth journalism and information. As a nonprofit organization, we rely on financial support from readers like you. Please give today.AP Business SummaryBrief at 5:13 p.m. EST

Ravens' running game was crucial in a big win over the Chargers, especially on 4th down