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CORAL GABLES, Fla. (AP) — Miami probably was one win away from getting into the College Football Playoff. Iowa State definitely was one win away. Their consolation prize of sorts: playing one another. The Hurricanes and Cyclones — a meteorological matchup — have accepted bids to the Pop-Tarts Bowl, to be played Dec. 28 in Orlando, Florida. Iowa State (10-3) is looking for its first 11-win season in the program's 133-year history, and Miami (10-2) is seeking its first 11-win season since 2003. Miami's loss at Syracuse to close the regular season wound up being the game the Hurricanes could point to as the reason they missed out on the CFP. Iowa State could have played its way in and lost the Big 12 title game to CFP-bound Arizona State on Saturday. “I think everyone that doesn't get in feels disappointment,” Miami coach Mario Cristobal said. “We feel the onus of just doing better. Just do better, go forward, have an opportunity to get better.” It's essentially the same task for both teams: regrouping after seeing the playoff slip away. “I think that’s what’s made Iowa State football really special is our ability to have great resiliency," Cyclones coach Matt Campbell said. "And I know our kids are super-excited about the opportunity to finish off. Obviously (Saturday) was disappointing. But this group and this football team has the opportunity to just continue to fight.” A big question for Miami: whether quarterback Cam Ward will play. The likely Heisman Trophy finalist has thrown for 155 touchdown passes in his career at Incarnate Word, Washington State and Miami. That’s tied for the most by anyone in Division I (FBS and FCS) history; Case Keenum threw 155 in his career at Houston. Many draft-bound players not in the playoff will be opting out of bowl games over the coming weeks. There's been no indication from Miami yet that Ward or any other draft-bound player has made a decision. “I think it’s important that our guys, anyone playing and closing out the season, understands the importance of that next step for a program like ours," Cristobal said. "And I think our guys do.” Get poll alerts and updates on the AP Top 25 throughout the season. Sign up here . AP college football: https://apnews.com/hub/ap-top-25-college-football-poll and https://apnews.com/hub/college-football Copyright 2024 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed without permission.David Hilzenrath, Jodie Fleischer, Cox Media Group | (TNS) KFF Health News In March, newly installed Social Security chief Martin O’Malley criticized agency “injustices” that “shock our shared sense of equity and good conscience as Americans.” He promised to overhaul the Social Security Administration’s often heavy-handed efforts to claw back money that millions of recipients — including people who are living in poverty, are elderly, or have disabilities — were allegedly overpaid, as described by a KFF Health News and Cox Media Group investigation last year. “Innocent people can be badly hurt,” O’Malley said at the time. Nearly eight months since he appeared before Congress and announced a series of policy changes, and with two months left in his term, O’Malley’s effort to fix the system has made inroads but remains a work in progress. For instance, one change, moving away from withholding 100% of people’s monthly Social Security benefits to recover alleged overpayments, has been a major improvement, say advocates for beneficiaries. “It is a tremendous change,” said Kate Lang of Justice in Aging, who called it “life-changing for many people.” The number of people from whom the Social Security Administration was withholding full monthly benefits to recoup money declined sharply — from about 46,000 in January to about 7,000 in September, the agency said. Asked to clarify whether those numbers and others provided for this article covered all programs administered by the agency, the SSA press office did not respond. Another potentially significant change — relieving beneficiaries of having to prove that an overpayment was not their fault — has not been implemented. The agency said it is working on that. Meanwhile, the agency seems to be looking to Congress to take the lead on a change some observers see as crucial: limiting how far back the government can reach to recover an alleged overpayment. Barbara Hubbell of Watkins Glen, New York, called the absence of a statute of limitations “despicable.” Hubbell said her mother was held liable for $43,000 because of an SSA error going back 19 years. “In what universe is that even legal?” Hubbell said. Paying down the overpayment balance left her mother “essentially penniless,” she added. In response to questions for this article, Social Security spokesperson Mark Hinkle said legislation is “the best and fastest way” to set a time limit. Establishing a statute of limitations was not among the policy changes O’Malley announced in his March congressional testimony. In an interview at the time, he said he expected an announcement on it “within the next couple few months.” It could probably be done by regulation, without an act of Congress, he said. Speaking generally, Hinkle said the agency has “made substantial progress on overpayments,” reducing the hardship they cause, and “continues to work diligently” to update policies. The agency is underfunded, he added, is at a near 50-year low in staffing, and could do better with more employees. The SSA did not respond to requests for an interview with O’Malley. O’Malley announced the policy changes after KFF Health News and Cox Media Group jointly published and broadcast investigative reporting on the damage overpayments and clawbacks have done to millions of beneficiaries. When O’Malley, a former Democratic governor of Maryland, presented his plans to three congressional committees in March, lawmakers greeted him with rare bipartisan praise. But the past several months have shown how hard it can be to turn around a federal bureaucracy that is massive, complex, deeply dysfunctional, and, as it says, understaffed. Now O’Malley’s time may be running out. Lang of Justice in Aging, among the advocacy groups that have been meeting with O’Malley and other Social Security officials, said she appreciates how much the commissioner has achieved in a short time. But she added that O’Malley has “not been interested in hearing about our feelings that things have fallen short.” One long-standing policy O’Malley set out to change involves the burden of proof. When the Social Security Administration alleges someone has been overpaid and demands the money back, the burden is on the beneficiary to prove they were not at fault. Cecilia Malone, 24, a beneficiary in Lithonia, Georgia, said she and her parents spent hundreds of hours trying to get errors corrected. “Why is the burden on us to ‘prove’ we weren’t overpaid?” Malone said. It can be exceedingly difficult for beneficiaries to appeal a decision. The alleged overpayments, which can reach tens of thousands of dollars or more, often span years. And people struggling just to survive may have extra difficulty producing financial records from long ago. What’s more, in letters demanding repayment, the government does not typically spell out its case against the beneficiary — making it hard to mount a defense. Testifying before House and Senate committees in March, O’Malley promised to shift the burden of proof. “That should be on the agency,” he said. The agency expects to finalize “guidance” on the subject “in the coming months,” Hinkle said. The agency points to reduced wait times and other improvements in a phone system known to leave beneficiaries on hold. “In September, we answered calls to our national 800 number in an average of 11 minutes — a tremendous improvement from 42 minutes one year ago,” Hinkle said. Still, in response to a nonrepresentative survey by KFF Health News and Cox Media Group focused on overpayments, about half of respondents who said they contacted the agency by phone since April rated that experience as “poor,” and few rated it “good” or “excellent.” The survey was sent to about 600 people who had contacted KFF Health News to share their overpayment stories since September 2023. Almost 200 people answered the survey in September and October of this year. Most of those who said they contacted the agency by mail since April rated their experience as “poor.” Jennifer Campbell, 60, a beneficiary in Nelsonville, Ohio, said in late October that she was still waiting for someone at the agency to follow up as described during a phone call in May. “VERY POOR customer service!!!!!” Campbell wrote. “Nearly impossible to get a hold of someone,” wrote Kathryn Duff of Colorado Springs, Colorado, who has been helping a disabled family member. Letters from SSA have left Duff mystified. One was postmarked July 9, 2024, but dated more than two years earlier. Another, dated Aug. 18, 2024, said her family member was overpaid $31,635.80 in benefits from the Supplemental Security Income program, which provides money to people with little or no income or other resources who are disabled, blind, or at least 65. But Duff said her relative never received SSI benefits. What’s more, for the dates in question, payments listed in the letter to back up the agency’s math didn’t come close to $31,635.80; they totaled about a quarter of that amount. Regarding the 100% clawbacks, O’Malley in March said it’s “unconscionable that someone would find themselves facing homelessness or unable to pay bills, because Social Security withheld their entire payment for recovery of an overpayment.” He said that, starting March 25, if a beneficiary doesn’t respond to a new overpayment notice, the agency would default to withholding 10%. The agency warned of “a short transition period.” That change wasn’t automated until June 25, Hinkle said. The number of people newly placed in full withholding plummeted from 6,771 in February to 51 in September, according to data the agency provided. SSA said it would notify recipients they could request reduced withholding if it was already clawing back more than 10% of their monthly checks. Nonetheless, dozens of beneficiaries or their family members told KFF Health News and Cox Media Group they hadn’t heard they could request reduced withholding. Among those who did ask, roughly half said their requests were approved. According to the SSA, there has been almost a 20% decline in the number of people facing clawbacks of more than 10% but less than 100% of their monthly checks — from 141,316 as of March 8 to 114,950 as of Oct. 25, agency spokesperson Nicole Tiggemann said. Meanwhile, the number of people from whom the agency was withholding exactly 10% soared more than fortyfold — from just over 5,000 to well over 200,000. And the number of beneficiaries having any partial benefits withheld to recover an overpayment increased from almost 600,000 to almost 785,000, according to data Tiggemann provided. Lorraine Anne Davis, 72, of Houston, said she hasn’t received her monthly Social Security payment since June due to an alleged overpayment. Her Medicare premium was being deducted from her monthly benefit, so she’s been left to pay that out-of-pocket. Davis said she’s going to need a kidney transplant and had been trying to save money for when she’d be unable to work. Related Articles National News | California student passes state bar at a record 17 years, 8 months old National News | Even blue states are embracing a tougher approach to crime National News | US budget airlines are struggling. Will pursuing premium passengers solve their problems? National News | Supreme Court allows multibillion-dollar class action to proceed against Meta National News | Today in History: November 22, John F. Kennedy is assassinated in Dallas A letter from the SSA dated April 8, 2024, two weeks after the new 10% withholding policy was slated to take effect, said it had overpaid her $13,538 and demanded she pay it back within 30 days. Apparently, the SSA hadn’t accounted for a pension Davis receives from overseas; Davis said she disclosed it when she filed for benefits. In a letter to her dated June 29, the agency said that, under its new policy, it would change the withholding to only 10% if she asked. Davis said she asked by phone repeatedly, and to no avail. “Nobody seems to know what’s going on” and “no one seems to be able to help you,” Davis said. “You’re just held captive.” In October, the agency said she’d receive a payment — in March 2025. Marley Presiado, a research assistant on the Public Opinion and Survey Research team at KFF, contributed to this report. ©2024 KFF Health News. Distributed by Tribune Content Agency, LLC.UnitedHealthcare CEO kept a low public profile. Then he was shot to death in New York
Is the NORAD Santa tracker safe from a government shutdown?
After playoff chances slip away, Miami and Iowa State looking to regroup at Pop-Tarts Bowl
By KAREEM CHEHAYEB BEIRUT (AP) — In 2006, after a bruising monthlong war between Israel and Lebanon’s powerful Hezbollah militant group, the United Nations Security Council unanimously voted for a resolution to end the conflict and pave the way for lasting security along the border. But while there was relative calm for nearly two decades, Resolution 1701’s terms were never fully enforced. Now, figuring out how to finally enforce it is key to a U.S.-brokered ceasefire deal approved by Israel on Tuesday. In late September, after nearly a year of low-level clashes , the conflict between Israel and Hezbollah spiraled into all-out war and an Israeli ground invasion . As Israeli jets pound deep inside Lebanon and Hezbollah fires rockets deeper into northern Israel, U.N. and diplomatic officials again turned to the 2006 resolution in a bid to end the conflict. Years of deeply divided politics and regionwide geopolitical hostilities have halted substantial progress on its implementation, yet the international community believes Resolution 1701 is still the brightest prospect for long-term stability between Israel and Lebanon. Almost two decades after the last war between Israel and Hezbollah, the United States led shuttle diplomacy efforts between Lebanon and Israel to agree on a ceasefire proposal that renewed commitment to the resolution, this time with an implementation plan to try to bring the document back to life. In 2000, Israel withdrew its forces from most of southern Lebanon along a U.N.-demarcated “Blue Line” that separated the two countries and the Israeli-annexed Golan Heights, which most of the world considers occupied Syrian territory. U.N. peacekeeping forces in Lebanon, known as UNIFIL , increased their presence along the line of withdrawal. Resolution 1701 was supposed to complete Israel’s withdrawal from southern Lebanon and ensure Hezbollah would move north of the Litani River, keeping the area exclusively under the Lebanese military and U.N. peacekeepers. Up to 15,000 U.N. peacekeepers would help to maintain calm, return displaced Lebanese and secure the area alongside the Lebanese military. The goal was long-term security, with land borders eventually demarcated to resolve territorial disputes. The resolution also reaffirmed previous ones that call for the disarmament of all armed groups in Lebanon — Hezbollah among them. “It was made for a certain situation and context,” Elias Hanna, a retired Lebanese army general, told The Associated Press. “But as time goes on, the essence of the resolution begins to hollow.” For years, Lebanon and Israel blamed each other for countless violations along the tense frontier. Israel said Hezbollah’s elite Radwan Force and growing arsenal remained, and accused the group of using a local environmental organization to spy on troops. Lebanon complained about Israeli military jets and naval ships entering Lebanese territory even when there was no active conflict. “You had a role of the UNIFIL that slowly eroded like any other peacekeeping with time that has no clear mandate,” said Joseph Bahout, the director of the Issam Fares Institute for Public Policy at the American University of Beirut. “They don’t have permission to inspect the area without coordinating with the Lebanese army.” UNIFIL for years has urged Israel to withdraw from some territory north of the frontier, but to no avail. In the ongoing war, the peacekeeping mission has accused Israel, as well as Hezbollah , of obstructing and harming its forces and infrastructure. Hezbollah’s power, meanwhile, has grown, both in its arsenal and as a political influence in the Lebanese state. The Iran-backed group was essential in keeping Syrian President Bashar Assad in power when armed opposition groups tried to topple him, and it supports Iran-backed groups in Iraq and Yemen. It has an estimated 150,000 rockets and missiles, including precision-guided missiles pointed at Israel, and has introduced drones into its arsenal . Hanna says Hezbollah “is something never seen before as a non-state actor” with political and military influence. Israel’s security Cabinet approved the ceasefire agreement late Tuesday, according to Prime Minister Benjamin Netanyahu’s office. The ceasefire is set to take hold at 4 a.m. local time Wednesday. Efforts led by the U.S. and France for the ceasefire between Israel and Hezbollah underscored that they still view the resolution as key. For almost a year, Washington has promoted various versions of a deal that would gradually lead to its full implementation. International mediators hope that by boosting financial support for the Lebanese army — which was not a party in the Israel-Hezbollah war — Lebanon can deploy some 6,000 additional troops south of the Litani River to help enforce the resolution. Under the deal, an international monitoring committee headed by the United States would oversee implementation to ensure that Hezbollah and Israel’s withdrawals take place. It is not entirely clear how the committee would work or how potential violations would be reported and dealt with. The circumstances now are far more complicated than in 2006. Some are still skeptical of the resolution’s viability given that the political realities and balance of power both regionally and within Lebanon have dramatically changed since then. “You’re tying 1701 with a hundred things,” Bahout said. “A resolution is the reflection of a balance of power and political context.” Now with the ceasefire in place, the hope is that Israel and Lebanon can begin negotiations to demarcate their land border and settle disputes over several points along the Blue Line for long-term security after decades of conflict and tension.
The Christmas tradition has become nearly global in scope: Children from around the world track Santa Claus as he sweeps across the earth, delivering presents and defying time. Each year, at least 100,000 kids call into the North American Aerospace Defense Command to inquire about Santa’s location. Millions more follow online in nine languages , from English to Japanese. On any other night, NORAD is scanning the heavens for potential threats , such as last year’s Chinese spy balloon . But on Christmas Eve, volunteers in Colorado Springs are fielding questions like, “When is Santa coming to my house?” and, “Am I on the naughty or nice list?” “There are screams and giggles and laughter,” said Bob Sommers, 63, a civilian contractor and NORAD volunteer. Sommers often says on the call that everyone must be asleep before Santa arrives, prompting parents to say, “Do you hear what he said? We got to go to bed early.” NORAD’s annual tracking of Santa has endured since the Cold War , predating ugly sweater parties and Mariah Carey classics . Here’s how it began and why the phones keep ringing. It started with a child’s accidental phone call in 1955. The Colorado Springs newspaper printed a Sears advertisement that encouraged children to call Santa, listing a phone number. A boy called. But he reached the Continental Air Defense Command, now NORAD, a joint U.S. and Canadian effort to spot potential enemy attacks. Tensions were growing with the Soviet Union, along with anxieties about nuclear war. Air Force Col. Harry W. Shoup picked up an emergency-only “red phone” and was greeted by a tiny voice that began to recite a Christmas wish list. “He went on a little bit, and he takes a breath, then says, ‘Hey, you’re not Santa,’” Shoup told The Associated Press in 1999. Realizing an explanation would be lost on the youngster, Shoup summoned a deep, jolly voice and replied, “Ho, ho, ho! Yes, I am Santa Claus. Have you been a good boy?” Shoup said he learned from the boy’s mother that Sears mistakenly printed the top-secret number. He hung up, but the phone soon rang again with a young girl reciting her Christmas list. Fifty calls a day followed, he said. In the pre-digital age, the agency used a 60-by-80 foot (18-by-24 meter) plexiglass map of North America to track unidentified objects. A staff member jokingly drew Santa and his sleigh over the North Pole. The tradition was born. “Note to the kiddies,” began an AP story from Colorado Springs on Dec. 23, 1955. “Santa Claus Friday was assured safe passage into the United States by the Continental Air Defense Command.” In a likely reference to the Soviets, the article noted that Santa was guarded against possible attack from “those who do not believe in Christmas.” Some grinchy journalists have nitpicked Shoup’s story, questioning whether a misprint or a misdial prompted the boy’s call. In 2014, tech news site Gizmodo cited an International News Service story from Dec. 1, 1955, about a child’s call to Shoup. Published in the Pasadena Independent, the article said the child reversed two digits in the Sears number. “When a childish voice asked COC commander Col. Harry Shoup, if there was a Santa Claus at the North Pole, he answered much more roughly than he should — considering the season: ‘There may be a guy called Santa Claus at the North Pole, but he’s not the one I worry about coming from that direction,’” Shoup said in the brief piece. In 2015, The Atlantic magazine doubted the flood of calls to the secret line, while noting that Shoup had a flair for public relations. Phone calls aside, Shoup was indeed media savvy. In 1986, he told the Scripps Howard News Service that he recognized an opportunity when a staff member drew Santa on the glass map in 1955. A lieutenant colonel promised to have it erased. But Shoup said, “You leave it right there,” and summoned public affairs. Shoup wanted to boost morale for the troops and public alike. “Why, it made the military look good — like we’re not all a bunch of snobs who don’t care about Santa Claus,” he said. Shoup died in 2009. His children told the StoryCorps podcast in 2014 that it was a misprinted Sears ad that prompted the phone calls. “And later in life he got letters from all over the world,” said Terri Van Keuren, a daughter. “People saying ‘Thank you, Colonel, for having, you know, this sense of humor.’” NORAD’s tradition is one of the few modern additions to the centuries-old Santa story that have endured, according to Gerry Bowler, a Canadian historian who spoke to the AP in 2010. Ad campaigns or movies try to “kidnap” Santa for commercial purposes, said Bowler, who wrote “Santa Claus: A Biography.” NORAD, by contrast, takes an essential element of Santa’s story and views it through a technological lens. In a recent interview with the AP, Air Force Lt. Gen. Case Cunningham explained that NORAD radars in Alaska and Canada — known as the northern warning system — are the first to detect Santa. He leaves the North Pole and typically heads for the international dateline in the Pacific Ocean. From there he moves west, following the night. “That’s when the satellite systems we use to track and identify targets of interest every single day start to kick in,” Cunningham said. “A probably little-known fact is that Rudolph’s nose that glows red emanates a lot of heat. And so those satellites track (Santa) through that heat source.” NORAD has an app and website, www.noradsanta.org , that will track Santa on Christmas Eve from 4 a.m. to midnight, Mountain Standard Time. People can call 1-877-HI-NORAD to ask live operators about Santa’s location from 6 a.m. to midnight, mountain time.Monday, December 9, 2024 In recent years, the surge in global travel has been nothing short of remarkable. Airports are busier than ever, social media feeds are flooded with breathtaking destinations, and it seems like everyone knows someone who’s perpetually jet-setting. This raises two intriguing questions: Why is everyone traveling so often, and how do they afford it? The answers reveal a fascinating blend of societal shifts, technological advancements, and economic strategies. A major reason for increased travel is a shift in societal priorities. Younger generations, particularly Millennials and Gen Z, value experiences over material possessions. For them, traveling is more than a luxury—it’s a way to learn, grow, and share their stories. Social media has amplified this desire, making travel both aspirational and achievable. Platforms like Instagram and TikTok showcase idyllic destinations and fuel FOMO (fear of missing out), encouraging people to explore the world and create shareable memories. Additionally, the pandemic has redefined people’s perspectives on time and opportunity. Having been confined for months, many now see travel as an essential part of life rather than a once-in-a-while indulgence. “Revenge travel” became a buzzword as borders reopened, with individuals eager to make up for lost time. While travel has traditionally been seen as expensive, innovations in the travel industry have made it more accessible. Low-cost carriers (LCCs) like Ryanair, AirAsia, and FlyArystan have revolutionized air travel, offering budget-friendly flights to a wide range of destinations. Dynamic pricing, flash sales, and rewards programs further lower costs for savvy travelers who plan strategically. In addition, the rise of shared economy platforms like Airbnb and Couchsurfing has transformed accommodation options. Travelers can find a place to stay at a fraction of the cost of traditional hotels, with the added benefit of local, authentic experiences. Group tours and travel packages have also gained traction, providing cost-effective solutions for exploring multiple destinations. Companies like Contiki and G Adventures offer curated itineraries that include transportation, lodging, and guided tours, simplifying travel planning while keeping expenses in check. Airline Region Primary Operating Areas Note s Frontier Airlines Americas United States, Mexico, Central America Offers low base fares with additional fees for seat selection, baggage, and other services. Allegiant Air Americas United States Focuses on leisure travelers, connecting smaller cities to vacation destinations. Ryanair Europe Europe, North Africa, Middle East Europe’s largest ULCC, operating over 1,800 routes. Wizz Air Europe Central and Eastern Europe, Middle East Rapidly expanding with a focus on Central and Eastern Europe. VietJet Air Asia Southeast Asia, East Asia Recognized for affordable fares and extensive regional network. AirAsia Asia Southeast Asia, South Asia, East Asia One of Asia’s largest ULCCs, offering both short and long-haul flights. FlySafair Africa South Africa, regional destinations Known for punctuality and affordable domestic flights. For many frequent travelers, financing their adventures is a matter of prioritization and smart planning. Budgeting apps and financial tools help individuals save specifically for travel goals. People are more willing to forgo certain luxuries at home, such as eating out or upgrading gadgets, to allocate funds for their trips. Credit card rewards and travel points have become indispensable. Cards offering travel benefits, such as free flights, hotel stays, and airport lounge access, enable budget-conscious travelers to explore the world with minimal out-of-pocket expenses. By strategically using credit cards for daily purchases, travelers accumulate points and miles, essentially letting their spending pay for future trips. Some individuals also find creative ways to offset costs while traveling. Remote work, freelance gigs, and content creation allow people to earn income on the road. Digital nomadism has emerged as a popular lifestyle, especially post-pandemic, with many combining work and travel seamlessly. Travel planning has never been easier, thanks to technology. Price comparison websites like Skyscanner and Kayak ensure travelers find the best deals on flights, while apps like Hopper predict price trends for optimal booking times. Online forums, blogs, and social media groups offer insights on destinations, hidden gems, and money-saving tips. Virtual booking platforms have streamlined processes, eliminating the need for travel agents and their fees. Travelers can book flights, accommodations, and experiences within minutes, often scoring discounts in the process. Travel is no longer seen as an unattainable dream but as a necessity for personal growth and fulfillment. Employers are also recognizing the importance of work-life balance, offering remote work options and flexible vacation policies. This cultural shift encourages individuals to explore the world without fear of professional repercussions. Moreover, group travel and multi-generational trips have made exploring the world a shared experience. Splitting costs among family members or friends makes travel more affordable while strengthening bonds. The proliferation of affordable travel options, technological advancements, and a cultural emphasis on experiences have collectively contributed to the rise in frequent travel. People are not only dreaming of seeing the world—they’re making it happen through innovative financial strategies and prioritizing wanderlust over traditional expenses. As the world becomes increasingly interconnected, the question is no longer why people travel so often, but rather, how soon the next adventure begins. The democratization of travel has transformed it into a possibility for millions, proving that exploring the globe is no longer a privilege for the wealthy but a shared human aspiration. Read Travel Industry News in 104 different regional platforms Get our daily dose of news, by subscribing to our newsletters. Subscribe here . Watch Travel And Tour World Interviews here . Read more Travel News , Daily Travel Alert , and Travel Industry News on Travel And Tour World only.Pairing live support with accurate AI outputs
Marpai has secured a number of significant new accounts for 2025 TAMPA, Fla. , Nov. 26, 2024 /PRNewswire/ -- Marpai, Inc. ("Marpai" or the "Company") (OTCQX: MRAI ), a technology platform company, operates as a national Third-Party Administrator (TPA) through its subsidiaries. Marpai is transforming the $22 billion TPA market by offering affordable, intelligent, healthcare solutions to self-funded employer health plans. Traditionally, TPAs target about 80% of their new business and renewals for January 1 st ; with the addition of our new sales team in early 2024, the Company is pleased to report that it has secured several new major clients for 2025. Some of the new clients include: a 4,000 employee life restaurant group, a 6,000 employee life multi-location hospital group and a few housing industry clients with approximately 3,400 employee lives that are set to transition over the course of 2025. The additional sales, along with the continued execution on efficiencies and cost reductions, keep the Company on track for expected break-even performance in early 2025. "Our sales team has excelled in leveraging Marpai Saves to deliver immediate value to our targeted industries," commented Damien Lamendola , Marpai CEO and Director. "Additionally, our focus on cost efficiency and productivity keeps us on track for an expected break-even in early 2025. It's been a busy but successful year." About Marpai, Inc. Marpai, Inc. (OTCQX: MRAI ) is a technology platform company which operates subsidiaries that provide TPA and value-oriented health plan services to employers that directly pay for employee health benefits. Primarily competing in the $22 billion TPA sector serving self-funded employer health plans representing over $1 trillion in annual claims. Through its Marpai Saves initiative, the Company works to deliver the healthiest member population for the health plan budget. Operating nationwide, Marpai offers access to leading provider networks including Aetna and Cigna, industry leading Reference Based Pricing (RBP) solutions and all TPA services. For more information, visit www.marpaihealth.com , the content of which is not incorporated by reference into this press release. Investors are invited to visit https://www.ir.marpaihealth.com . Forward-Looking Statement Disclaimer This press release contains forward-looking statements, as that term is defined in the Private Litigation Reform Act of 1995, that involve significant risks and uncertainties. Forward-looking statements can be identified through the use of words such as "anticipates," "expects," "intends," "plans," "believes," "seeks," "estimates," "guidance," "may," "can," "could", "will", "potential", "should," "goal" and variations of these words or similar expressions. For example, the Company is using forward looking statements when it discusses new business, future opportunities, that the new client contracts are set to transition over the course of 2025 and its expected break-even potential in early 2025. Readers are cautioned not to place undue reliance on these forward-looking statements, which reflect Marpai's current expectations and speak only as of the date of this release. Actual results may differ materially from Marpai's current expectations depending upon a number of factors. These factors include, among others, adverse changes in general economic and market conditions, competitive factors including but not limited to pricing pressures and new product introductions, uncertainty of customer acceptance of new product offerings and market changes, risks associated with managing the growth of the business. Except as required by law, Marpai does not undertake any responsibility to revise or update any forward-looking statements whether as a result of new information, future events or otherwise. More detailed information about Marpai and the risk factors that may affect the realization of forward-looking statements is set forth in Marpai's filings with the Securities and Exchange Commission. Investors and security holders are urged to read these documents free of charge on the SEC's web site at http://www.sec.gov . SOURCE MarpaiSheridan College says it's putting 40 programs on hold and laying off staff as it faces a dramatic drop in enrolment. The college estimates that it will have about 30 per cent fewer students next year, resulting in a $112-million drop in revenue, according to a statement from its president, Janet Morrison. An additional 27 programs will under go an "efficiency review," Morrison said. "These changes are required for Sheridan to remain a financially sustainable and vibrant community in response to chronic underfunding, changing government policies, and social, technological, and economic disruption," Morrison said. "Sheridan will look different, but our commitment to learning, discovery and engagement remains the same." The programs being suspended include 13 in the faculty of applied science and technology, 13 business programs, six in the faculty of animation, arts and design, five in the faculty of applied health and community studies and three in humanities and social sciences. Students who are currently enrolled in these programs will still be able to graduate, the college's website says. Sheridan College is the latest school to face financial challenges after the federal government announced a cap on study permits for international post-secondary students. The government has said the cap is meant to reduce the number of new student visas by more than a third this year. The government said it would approve approximately 360,000 undergraduate study permits for 2024 — a 35 per cent reduction from 2023. In September, the Liberal government said it would further slash the number of international student permits it issues by 10 per cent. Deciding how to divvy up the allocation of permits among post-secondary institutions is up to the provincial government, which announced in March that colleges would face the biggest drop in their international student numbers. The Ford government's revealed that Ontario's colleges will lose out on $3.1 billion in revenue over the next two years from the expected drop in international student enrolment. Morrison's statement doesn't blame the international student cap directly, but a backgrounder posted on the college's website does point to "shrinking domestic enrolment" and "dramatic shifts in government policy" as factors. Dayna Smockum, a spokesperson for Ontario's Ministry of Colleges and Universities, said the province will continue to support the post-secondary sector to ensure students can get good paying, in-demand jobs once they graduate. She pointed out that in February, the government a $1.3-billion boost to post-secondary funding spread out over the next three years However, she said staffing decisions and human resource matters "lie solely with the institutions."
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