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1. Myanmar accused of crimes against humanity by Human Rights Watch12:00[−]

Rohingya refugees wait to receive aid in Cox's Bazar, Bangladesh September 24, 2017. REUTERS/Cathal McNaughtonThomson Reuters

YANGON (Reuters) - Myanmar is committing crimes against humanity in its campaign against Muslim insurgents in Rakhine state, Human Rights Watch said on Tuesday, and it called for the U.N. Security Council to impose sanctions and an arms embargo.

A government spokesman was not immediately available for comment but Myanmar has rejected U.N. accusations that its forces are engaged in ethnic cleansing against Rohingya Muslims in response to coordinated attacks by Rohingya insurgents on the security forces on Aug. 25.

Myanmar says its forces are fighting terrorists responsible for attacking the police and the army, killing civilians and torching villages.

The military campaign has sent nearly 440,000 refugees fleeing to Bangladesh, most of them Rohingya. They have accused the security forces and Buddhist vigilantes of trying to drive Rohingya out of Buddhist-majority Myanmar.

"The Burmese military is brutally expelling the Rohingya from northern Rakhine State," said James Ross, legal and policy director at Human Rights Watch.

"The massacres of villagers and mass arson driving people from their homes are all crimes against humanity."

The International Criminal Court defines crimes against humanity as acts including murder, torture, rape and deportation "when committed as part of a widespread or systematic attack directed against any civilian population, with knowledge of the attack".

Human Rights Watch said its research, supported by analysis of satellite imagery, had found crimes of deportation and forced population transfers, murder and attempted murder, rape and other sexual assault and persecution.

"Attaching a legal label to the ghastly crimes ... may seem inconsequential," Ross said. "But global recognition that crimes against humanity are taking place should stir the U.N. and concerned governments to action."

The U.N. Security Council and concerned countries should urgently impose targeted sanctions and an arms embargo on the Myanmar military, the group said.

The violence in Rakhine State and the refugee exodus is the biggest crisis the government of Nobel laureate Aung San Suu Kyi has faced since it came to power last year in a transition from nearly 50 years of harsh military rule.

Myanmar regards the Rohingya Muslims as illegal immigrants from Bangladesh and communal violence has flared periodically for decades. Most Rohingya are stateless.

Little Sympathy

Aung San Suu KyiAP Photo/Mark Schiefelbein

For years, the United States and its Western allies imposed sanctions on Myanmar in support of Suu Kyi's campaign for democracy. Its response was to forge closer ties with China.

The United States has criticized the military campaign as "disproportionate" and called for an end to the violence but a Trump administration official said this month he did not expect a return to sanctions.

Suu Kyi has faced unprecedented criticism over the violence and calls for her Nobel prize to be withdrawn. She has denounced rights violations and vowed that abusers would be prosecuted and called for all sides to obey the law.

Suu Kyi has little if any control over the security forces under a military-drafted constitution that bars her from the presidency and gives the military control of the security services and veto power over political reform.

Myanmar has seen a surge of Buddhist nationalism over the past few years, and the public is largely supportive of the army campaign against insurgents blamed for starting the violence, and there is little sympathy for the refugees.

Since Sunday, the army has unearthed the bodies of 45 members of Myanmar's small Hindu community who authorities say were killed by Muslim insurgents soon after the violence erupted.

The Arakan Rohingya Salvation Army insurgent group, which has claimed attacks on the security forces since October, denied killing the villagers.

Rights groups have said they have found evidence of abuses by the insurgents, including the burning of some Buddhists' homes, but on a much smaller scale than abuses committed by the army and Buddhist vigilantes.

Some Hindus have fled to Bangladesh, complaining of violence against them by soldiers or Buddhist vigilantes. Others have taken refuge in Myanmar towns, complaining of being attacked by the insurgents on suspicion of being government spies.

NOW WATCH: An Alabama high school 'resegregated' after years of being a model of integration — here's what happened after

2. North Korea bumps up defenses after threatening to shoot down US bombers11:59[−]

north korea rocket artilleryTrump Dayz via YouTube

SEOUL/BEIJING (Reuters) - North Korea appears to have boosted defenses on its east coast, South Korea's Yonhap news agency said on Tuesday, after the North said U.S. President Donald Trump had declared war and that it would shoot down U.S. bombers flying near the peninsula.

Tensions have escalated since North Korea conducted its sixth and most powerful nuclear test on Sept. 3, but the rhetoric has reached a new level in recent days with leaders on both sides exchanging threats and insults.

North Korean Foreign Minister Ri Yong Ho said Trump's Twitter comments, in which the U.S. leader said Ri and leader Kim Jong Un "won't be around much longer" if they acted on their threats, amounted to a declaration of war and that Pyongyang had the right to take countermeasures.

Yonhap suggested the reclusive North was in fact bolstering its defenses by moving aircraft to its east coast and taking other measures after U.S. bombers flew close to the Korean peninsula at the weekend.

The unverified Yonhap report said the United States appeared to have disclosed the flight route of the bombers intentionally because North Korea seemed to be unaware. South Korea's National Intelligence Service was unable to confirm the report immediately.

Ri said on Monday the North's right to countermeasures included shooting down U.S. bombers "even when they are not inside the airspace border of our country".

"The whole world should clearly remember it was the U.S. who first declared war on our country," he told reporters in New York on Monday, where he had been attending the annual United Nations General Assembly.

"The question of who won't be around much longer will be answered then," he said.

North Korean Foreign Minister Ri Yong HoREUTERS/Dondi Tawatao

White House spokeswoman Sarah Sanders denied on Monday that the United States had declared war, calling the suggestion "absurd".

Speaking in Beijing, Chinese Foreign Ministry spokesman Lu Kang said war on the Korean peninsula would have no winner.

"We hope the U.S. and North Korean politicians have sufficient political judgment to realize that resorting to military force will never be a viable way to resolve the peninsula issue and their own concerns," Lu told a daily news briefing.

"We also hope that both sides can realize that being bent on assertiveness and provoking each other will only increase the risk of conflict and reduce room for policy maneuvers. War on the peninsula will have no winner."

While repeatedly calling for dialogue to resolve the issue, China has also signed up for increasingly tough U.N. sanctions against North Korea.

China's fuel exports to North Korea fell in August, along with iron ore imports from the isolated nation, as trade slowed after the latest U.N. sanctions, but coal shipments resumed after a five-month hiatus, customs data showed on Tuesday.

In Moscow, Russia's Foreign Ministry said it was working behind the scenes to find a political solution and that using sanctions against North Korea was almost exhausted.

U.S. Defense Secretary James Mattis, speaking during a visit to India, said he appreciated global efforts to increase pressure on North Korea for its dangerous behavior.

Risk of miscalculationGround crews prepare B1 bombers of the U.S. 77th Bomber Squadron at RAF Fairford in Gloucestershire, England.Reuters

U.S. Air Force B-1B Lancer bombers escorted by fighter jets flew east of North Korea in a show of force after a heated exchange of rhetoric between Trump and Kim.

North Korea has been working to develop nuclear-tipped missiles capable of hitting the U.S. mainland, which Trump has said he will never allow.

The United States and South Korea are technically still at war with North Korea after the 1950-53 Korean conflict ended in a truce and not a peace treaty.

The Sept. 3 nuclear test prompted a new round of sanctions on North Korea after the Security Council voted unanimously on a resolution condemning the test.

The North says it needs its weapons programs to guard against U.S. invasion and regularly threatens to destroy the United States, South Korea and Japan.

However, the rhetoric has been ratcheted up well beyond normal levels, raising fears that a miscalculation by either side could have massive repercussions.

Trump's threat last week to totally destroy North Korea, a country of 26 million people, if it threatened the United States or its allies led to an unprecedented direct statement by Kim in which he called Trump a "mentally deranged U.S. dotard" and said he would tame the U.S. threat with fire.

White House National Security Adviser H.R. McMaster defended Trump's rhetoric and said on Monday he agreed that the risk was that Kim might fail to realize the danger he and his country were facing.

FILE PHOTO - Newly named National Security Adviser Army Lt. Gen. H.R. McMaster listens as U.S. President Donald Trump makes the announcement at his Mar-a-Lago estate in Palm Beach, Florida U.S. February 20, 2017.  REUTERS/Kevin Lamarque/File PhotoThomson Reuters

However, McMaster also acknowledged the risks of escalation with any U.S. military option.

"We don't think there's an easy military solution to this problem," said McMaster, who believed any solution would be an international effort.

"There's not a precision strike that solves the problem. There's not a military blockade that can solve the problem," McMaster said.

NOW WATCH: The story of a North Korean amputee's 6,000-mile escape on crutches

3. 6,000 people have been evacuated as a volcano on a Vanuatu island begins to erupt11:39[−]

Vanuatu volcano eruptingAP Photo/Morris Harrison

WELLINGTON, New Zealand (AP) — An erupting volcano has forced 6,000 people to flee their homes on an island in the Pacific nation of Vanuatu.

The Manaro volcano on Ambae island has been active since 2005 but recent activity has raised fears of a major eruption.

National Disaster Management Office Director Shadrack Welegtabit says Vanuatu plans to declare an emergency on the island after the volcano's activity level was raised to level four for the first time over the weekend.

Authorities told villagers near the Manaro volcano to expect volcanic gas, airborne rocks and ash. They say acid rain could damage crops.

Welegtabit says about 10,000 people live on the island and those living in the north and south are most vulnerable. They have moved into schools and community halls to the east and west.

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4. THE IoT PLATFORMS REPORT: How software is helping the Internet of Things evolve11:08[−]

IoT Platforms Market SizeBI Intelligence

This is a preview of a research report from BI Intelligence, Business Insider's premium research service. To learn more about BI Intelligence, click here.

The Internet of Things (IoT) is growing rapidly as companies around the world connect thousands of devices every day. But behind those devices, there’s a sector worth hundreds of billions of dollars supporting the IoT.

Platforms are the glue that holds the IoT together, allowing users to take full advantage of the disruptive potential of connected devices. These platforms allow the IoT to achieve its transformational potential, letting businesses manage devices, analyze data, and automate the workflow.

In a new report, BI Intelligence examines the evolving IoT platform ecosystem. We size the market and identify the primary growth drivers that will power the IoT platform space in the next five years. And we profile many of the top IoT platforms, discussing key trends in the platform industry like platform consolidation.

Here are some of the key takeaways:

  • The IoT platforms market is set to expand rapidly in the years to come, with current leading platforms expanding and others entering the space.
  • We define the key categories into which IoT platforms fall: building block open platforms, closed high-end platforms, and product management platforms.
  • We highlight the ways platforms can help companies reach the full five stage potential of the IoT.

In full, the report:

  • Explains the coming growth of the IoT platforms.
  • Profiles a number of leading platforms.
  • Highlights the central role platforms play in the IoT.
  • Looks to the future of the IoT platforms market.

Interested in getting the full report? Here are two ways to access it:

  1. Subscribe to an All-Access pass to BI Intelligence and gain immediate access to this report and over 100 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. >> Learn More Now
  2. Purchase & download the full report from our research store. >> Purchase & Download Now

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5. Trump tweets Puerto Rico is 'in deep trouble' while the country struggles to recover from Hurricane Maria10:14[−]

Puerto RicoAP Photo/Carlos Giusti

President Donald Trump tweeted about Puerto Rico on Monday night as the island struggles to recover from Hurricane Maria. The powerful Category 4 storm made landfall on the island last week, leaving unprecedented devastation in its path.

Trump began tweeting about Puerto Rico after spending most of Monday carrying on a days-long war of words about the NFL.

"Texas & Florida are doing great but Puerto Rico, which was already suffering from broken infrastructure & massive debt, is in deep trouble," Trump said in one tweet.

He continued: "It's old electrical grid, which was in terrible shape, was devastated. Much of the Island was destroyed, with billions of dollars owed to Wall Street and the banks which, sadly, must be dealt with. Food, water and medical are top priorities - and doing well."

The hurricane knocked out power across the entire island, and as of Monday, some 1.6 million electricity customers were still in the dark, with the exception of some hospitals and medical facilities, according to the Associated Press. The news wire service said 80% of the island's transmission and distribution lines were severely damaged, meaning it could take months before electricity is fully restored.

Trump's comments about Puerto Rico's dire financial situation were not inaccurate. The island was mired in debt long before Hurricane Maria and became the first US state or territory to seek a form of bankruptcy relief in May, The New York Times reported at the time.

But the US president's comments were not well-received:

Brock Long, the head of the US Federal Emergency Management Agency and Homeland Security adviser Tom Bossert arrived in San Juan on Monday to meet with Puerto Rican Gov. Ricardo Rossello.

"We've got a lot of work to do. We realize that," Long said, according to the Chicago Tribune.

Celebrities and entertainers also announced their contributions to the relief efforts on the island, but financial assistance alone won't be enough to rescue the island's economy, the AP said. Tax collections are likely to drop, and Puerto Rico's tourism industry "will not recover for some time," according to James Eck, a vice president with the credit-rating agency Moody's.

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6. The top 5 disruptive trends in self-driving cars, delivery, transportation, and logistics (AMZN)10:07[−]

Transportation and Logistics Trends CoverBII

Technology is disrupting nearly every part of our daily lives, and the transportation space is no different.

The shift to digital is transforming the way businesses deliver and track goods, from the point of initiation to the final destination.

Last-mile delivery, self-driving cars and trucks, delivery drone and robots, and artificial intelligence applications in logistics are all poised to change how companies send goods, how customers receive packages, and how the population gets from Point A to Point B.

BI Intelligence, Business Insider's premium research service, has highlighted five of the most important trends that we predict will drive major shifts in the transportation and logistics landscape in the next five years. These trends are based on ongoing research that includes forecasts, data tracking, and interviews with industry executives.

Some of these trends include:

  • The impact of Amazon's acquisition of Whole Foods
  • How Congress will affect self-driving car adoption
  • The effect of artificial intelligence on delivery
  • And much more.

This cutting-edge list can be yours FREE today. As an added bonus, you will gain immediate access to the newest BI Intelligence newsletter, Transportation and Logistics.

To get your copy of this slide deck, simply click here.

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7. THE INSURTECH REPORT: How financial technology firms are helping — and disrupting — the nearly $5 trillion insurance industry09:06[−]

bii insurtech financing trend 2BI Intelligence

The global insurance industry is worth nearly $5 trillion, and insurance companies are at risk of losing a share of this valuable market to new entrants. That's because these legacy players have been even slower to modernize than their counterparts in other financial services industries.

This has created an opportunity for a group of firms known as insurtechs. These startups are leveraging new technology and a better understanding of consumer expectations to increase efficiencies in the insurance industry. Some are helping incumbents deliver better end products, while others are directly competing with legacy players.

In a new report from BI Intelligence, we look at the drivers behind the increasing number of insurtech companies, how they are helping or disrupting legacy players in the insurance industry, and where legacy players are innovating off their own backs.

Here are some of the key takeaways:

  • The opportunity is currently biggest in the US and Europe. That's because these regions have large, very mature insurance industries.
  • Insurtechs' products and services mostly target retail customers. This includes small businesses and consumers.
  • Most insurtechs are acting as enablers. This means that they offer products and services that help insurers and reinsurers improve their processes and better serve customers.
  • Of the main players in the insurance industry, brokers are most at risk of disruption. This is because insurtechs can easily replicate their services and are solving historical industry problems faster than legacy players.
  • Legacy players are also innovating. In particular, insurers and reinsurers are investing in insurtechs and fintechs working with relevant technologies. At the same time, they are improving their own direct-to-consumer digital interfaces, increasing their disruptive threat to brokers.

In full, the report:Insurtech Report CoverBI Intelligence

  • Explains the structure and current state of the insurance market.
  • Highlights areas where insurtechs can help legacy players modernize.
  • Describes where insurtechs are competing with incumbents and how their models compare.
  • Provides case studies of insurtechs.
  • Outlines the legacy response.
  • And much more.

Interested in getting the full report? Here are two ways to access it:

  1. Subscribe to an All-Access pass to BI Intelligence and gain immediate access to this report and over 100 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. >> Learn More Now
  2. Purchase & download the full report from our research store. >> Purchase & Download Now

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8. Fox News anchor on Trump's NFL war: 'This is the red meat of all red meat' for his base08:10[−]

shepard smith fox newsFox News/screenshot

Fox News anchor Shepard Smith commented on President Donald Trump digging himself further into a crusade against acts of protest in the NFL on Monday.

Smith said Trump is trying to reshape the demonstration some athletes have participated in — kneeling during the national anthem in protest of police brutality and racism — as disrespect for the US, its troops, and its flag.

"It's very clear that for his base, this is the red meat of all red meat, because they're able to reframe this," Smith said. "They're able to say, 'oh, they're attacking the national anthem. They're attacking the troops, they're attacking the flag' — none of which they're doing. They're not doing any of that," he said.

"They're upset about racial injustice in the country, and they're upset about the things the president has said, and yet he's able to turn it around for his base."

Smith continued: "Isn't this all a play to his base and could it all possibly be so that they don't notice there is no healthcare and North Korea is the biggest mess since the Cold War?"

Watch Smith's comments below:

CNN host Don Lemon had similar words on the controversy in his opening monologue, Monday night: "Taking a knee is a constitutionally protected expression. It falls within [National Football] League rules — period. If anyone actually believes this is about the flag, then you must believe that Rosa Parks' protest was about a bus. Think about that."

Watch Lemon's monologue below:

Trump turned his attention toward the kneeling demonstration on Friday while delivering remarks during a political rally in support of Sen. Luther Strange of Alabama, who faces a primary runoff vote on Tuesday. Trump carried on about the protests through the weekend and all day Monday.

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9. Immersive video is part of the future of digital advertising08:06[−]

360 videoScreenshot / YouTube

The digital ad space is murky, and it's becoming increasingly clear that users aren't seeing as many ads thanks to ad-blocking technology.

And even when they do see ads, more than 60% of users say they find them annoying and intrusive.

Furthermore, people have been shifting to mobile as their primary media consumption device in the last three years, while ad spend lagged. In short, the industry is reactive rather than proactive. As a result, U.S. digital ad revenue has become Google and Facebook, followed by everyone else.

But immersive video through virtual and augmented reality could change all that.

For the past seven years, IGNITION, Business Insider’s flagship conference, has collected the best minds in media and technology to share what they see as the future. Through unscripted interviews, cutting-edge demos, and insights from industry pioneers, attendees learn what key trends to be aware of and what they need to do to stay ahead.

At this year's IGNITION, Dylan Mortensen, senior research analyst for BI Intelligence, Business Insider's premium research service, presented You Missed Mobile - Don't Miss Immersive Video, which describes how new financial technology is disrupting relationships with consumers, regulators, and legacy players.

To get your copy of this FREE slide deck, simply click here.

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10. Inequality is getting so bad it's threatening the very foundation of economic growth07:47[−]

wealthy man happy laughingMike Hewitt/Getty

Income inequality has been rising so rapidly in the United States and around the world that it threatens to make economic growth less durable, according to research from the International Monetary Fund.

"While strong economic growth is necessary for economic development, it is not always sufficient," four IMF economists write in a new blog.

"Inequality has risen in several advanced economies and remains stubbornly high in many that are still developing," they added.

"This worries policymakers everywhere for good reason. Research at the IMF and elsewhere makes it clear that persistent lack of inclusion—defined as broadly shared benefits and opportunities for economic growth—can fray social cohesion and undermine the sustainability of growth itself."

That's because growth that excludes large portions of the population reinforces inequality in a variety of ways, like access to education, technology, resources and even social connections that help individuals land jobs and remain relevant in the labor market.


In many countries, the richest 1% have benefited disproportionately from economic growth in recent years, the IMF says, confirming other studies on the issue.

"The top 1% accounts for around 10% of total income in many G20 countries, with shares even higher in the United States and South Africa," the IFM said in a larger study released in July.

inequality 3IMF

Even in countries where rapid economic growth helped large swaths of the population emerge from poverty, "top earners have benefitted much more than others."

The average share of income going to workers versus firms has fallen in many countries.

"The decline in the global labor share of income has generally implied higher income inequality," the report said.

"Across countries, those with lower shares in labor income have tended to also experience higher inequality levels in both market income as well as disposable income. Within countries, increases in labor income shares have been associated with declines in income inequality."


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11. The maker of Botox has turned to the oldest trick in the book to save its cratering stock07:22[−]

Allergan, botoxReuters/ Jim Young

To combat recent stock weakness, Botox-maker Allergan is resorting to the oldest trick in the book: share buybacks.

On Monday, it authorized a $2 billion repurchase of its common stock, employing a tactic frequently used by companies to boost shares during times devoid of other positive catalysts.

It's an interestingly-timed development, considering the hit absorbed by Allergan's drug pipeline on Friday, when the company received a "refusal to file" (RTF) letter from US Food and Drug Administration. It came with regard to Allergan's application for Vraylar, a drug intended to treat the negative symptoms in adult schizophrenic patients.

And wouldn't you know it, Allergan's stock is up almost 4% on Monday, with the negative effect of the FDA news — released after the market close on Friday — more than offset by the buyback announcement.

The share increase is certainly welcome news for owners of Allergan's stock, which had recently plummeted as much as 21% from a one-year high reached in July.

Screen Shot 2017 09 25 at 11.39.33 AMMarkets Insider

In the press release announcing the buyback, Allergan didn't exactly hide its rationale: The company thinks its shares are attractively-priced at current levels. They're adopting a technique often used by companies to exhibit confidence in themselves, and so far it's working.

"We continue to believe that Allergan stock is substantially undervalued, and the share price today presents a unique investment opportunity for the company," Brett Saunders, chairman, CEO and president of Allergan, wrote in Monday's release. "In its decision, the board is demonstrating its confidence in our future prospects."

Still, Allergan's success likely won't be easily replicated by other US companies. Stock valuations are in the 89th percentile of their 40-year history, according to Goldman Sachs. That means many stocks in major indexes may be too expensive or fully-valued to be effectively boosted by repurchases.

Put differently, it might not make economical sense for a company to sink the required capital into a strategy that might not lift shares materially higher.

It's a dynamic that Bank of America Merrill Lynch has recently highlighted. Long a reliable safety net for the 8 1/2-year bull market, buybacks are starting to dry up, a victim of their own success.

As such, it appears that Allergan's success with its buyback authorization is purely situational. Given the right circumstances, the ever-reliable backbone of stock gains is still alive and well.

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12. The eSports competitive video gaming market continues to grow revenues & attract investors07:05[−]

eSports Advertising and SponsorshipsBII

This is a preview of a research report from BI Intelligence, Business Insider's premium research service. To learn more about BI Intelligence, click here.

What is eSports? History & Rise of Video Game Tournaments

Years ago, eSports was a community of video gamers who would gather at conventions to play Counter Strike, Call of Duty, or League of Legends.

These multiplayer video game competitions would determine League of Legends champions, the greatest shooters in Call of Duty, the cream of the crop of Street Fighter players, the elite Dota 2 competitors, and more.

But today, as the history of eSports continue to unfold, media giants such as ESPN and Turner are broadcasting eSports tournaments and competitions. And in 2014, Amazon acquired Twitch, the live streaming video platform that has been and continues to be the leader in online gaming broadcasts. And YouTube also wanted to jump on the live streaming gaming community with the creation of YouTube Gaming.

eSports Market Growth Booming

To put in perspective how big eSports is becoming, a Google search for "lol" does not produce "laughing out loud" as the top result. Instead, it points to League of Legends, one of the most popular competitive games in existence. The game has spawned a worldwide community called the League of Legends Championship Series, more commonly known as LCS or LOL eSports.

What started as friends gathering in each other's homes to host LAN parties and play into the night has become an official network of pro gaming tournaments and leagues with legitimate teams, some of which are even sponsored and have international reach. Organizations such as Denial, AHQ, and MLG have multiple eSports leagues.

And to really understand the scope of all this, consider that the prize pool for the latest Dota 2 tournament was more than $20 million.

Websites even exist for eSports live scores to let people track the competitions in real time if they are unable to watch. There are even fantasy eSports leagues similar to fantasy football, along with the large and growing scene of eSports betting and gambling.

So it's understandable why traditional media companies would want to capitalize on this growing trend just before it floods into the mainstream. Approximately 300 million people worldwide tune in to eSports today, and that number is growing rapidly. By 2020, that number will be closer to 500 million.

eSports Industry Analysis - The Future of the Competitive Gaming Market

Financial institutions are starting to take notice. Goldman Sachs valued eSports at $500 million in 2016 and expects the market will grow at 22% annually compounded over the next three years into a more than $1 billion opportunity.

And industry statistics are already backing this valuation and demonstrating the potential for massive earnings. To illustrate the market value, market growth, and potential earnings for eSports, consider Swedish media company Modern Times Group's $87 million acquisition of Turtle Entertainment, the holding company for ESL. YouTube has made its biggest eSports investment to date by signing a multiyear broadcasting deal with Faceit to stream the latter's Esports Championship Series. And the NBA will launch its own eSports league in 2018.

Of course, as with any growing phenomenon, the question becomes: How do advertisers capitalize? This is especially tricky for eSports because of its audience demographics, which is young, passionate, male-dominated, and digital-first. They live online and on social media, are avid ad-blockers, and don't watch traditional TV or respond to conventional advertising.

So what will the future of eSports look like? How high can it climb? Could it reach the mainstream popularity of baseball or football? How will advertisers be able to reach an audience that does its best to shield itself from advertising?

Robert Elder, research analyst for BI Intelligence, Business Insider's premium research service, has compiled an unparalleled report on the eSports ecosystem that dissects the growing market for competitive gaming. This comprehensive, industry-defining report contains more than 30 charts and figures that forecast audience growth, average revenue per user, and revenue growth.

Companies and organizations mentioned in the report include: NFL, NBA, English Premier League, La Liga, Bundesliga, NHL, Paris Saint-Germain, Ligue 1, Ligue de Football, Twitch, Amazon, YouTube, Facebook, Twitter, ESPN, Electronic Arts, EA Sports, Valve, Riot Games, Activision Blizzard, ESL, Turtle Entertainment, Dreamhack, Modern Times Group, Turner Broadcasting, TBS Network, Vivendi, Canal Plus, Dailymotion, Disney, BAMTech, Intel, Coca Cola, Red Bull, HTC, Mikonet

Here are some eSports industry facts and statistics from the report:

  • eSports is a still nascent industry filled with commercial opportunity.
  • There are a variety of revenue streams that companies can tap into.
  • The market is presently undervalued and has significant room to grow.
  • The dynamism of this market distinguishes it from traditional sports.
  • The audience is high-value and global, and its numbers are rising.
  • Brands can prosper in eSports by following the appropriate game plan.
  • Game publishers approach their Esport ecosystems in different ways.
  • Successful esport games are comprised of the same basic ingredients.
  • Digital streaming platforms are spearheading the popularity of eSports.
  • Legacy media are investing into eSports, and seeing encouraging results.
  • Traditional sports franchises have a clear opportunity to seize in eSports.
  • Virtual and augmented reality firms also stand to benefit from eSports.

In full, the report illuminates the business of eSports from four angles:

  • The gaming nucleus of eSports, including an overview of popular esport genres and games; the influence of game publishers, and the spectrum of strategies they adopt toward their respective esport scenes; the role of eSports event producers and the tournaments they operate.
  • The eSports audience profile, its size, global reach, and demographic, psychographic, and behavioral attributes; the underlying factors driving its growth; why they are an attractive target for brands and broadcasters; and the significant audience and commercial crossover with traditional sports.
  • eSports media broadcasters, including digital avant-garde like Twitch and YouTube, newer digital entrants like Facebook and traditional media outlets like Turner’s TBS Network, ESPN, and Canal Plus; their strategies and successes in this space; and the virtual reality opportunity.
  • eSports market economics, with a market sizing, growth forecasts, and regional analyses; an evaluation of the eSports spectacle and its revenue generators, some of which are idiosyncratic to this industry; strategic planning for brand marketers, with case studies; and an exploration of the infinite dynamism and immense potential of the eSports economy.

Interested in getting the full report? Here are two ways to access it:

  1. Subscribe to an All-Access pass to BI Intelligence and gain immediate access to this report and over 100 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. >> START A MEMBERSHIP
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13. Mexico's emergency chief: We're now 'unlikely to find someone alive' after earthquake07:00[−]

Mexico EarthquakeReuters

MEXICO CITY (Reuters) - Mexico will search another three days beneath the rubble for possible survivors of the September 19 earthquake even though it is unlikely rescuers will find anyone alive, the country's chief of emergency services said on Monday.

Luis Felipe Puente, coordinator of Mexico's Civil Protection department, also told Reuters that the government has instructed prosecutors to investigate newly constructed buildings that collapsed in the quake for code violations, including a school where 19 children and seven adults died.

"I can say that at this time it would be unlikely to find someone alive," Puente said in an interview, referring to 43 missing people being sought at four disaster sites in Mexico City.

The confirmed death toll was at least 325 people.

(Reporting by Daniel Trotta; Editing by Simon Cameron-Moore)

NOW WATCH: Watch LeBron James' powerful speech about Trump and anthem protests

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14. Top Trump confidant: Manafort confirmed that Mueller's team plans to indict him06:44[−]

Roger StoneHollis Johnson

Roger Stone, a longtime informal adviser to President Donald Trump and past Republican politicians, told Yahoo News in an interview published Monday that former Trump campaign chairman Paul Manafort had confirmed to him that investigators said they plan to indict him as part of the FBI's Russia probe.

Manafort is currently a focus in special counsel Robert Mueller's investigation into Russian interference in the 2016 election. That investigation includes scoping out whether members of the Trump campaign colluded with Moscow to help tilt the election in Trump's favor, and Manafort is one of several Trump associates Mueller is looking into.

It emerged in August that the FBI conducted a predawn raid on Manafort's home in July, and agents working with Mueller left Manafort's home "with various records." The New York Times reported last week that following the raid, investigators working with Mueller told Manafort he was going to be charged with a crime.

Stone told Yahoo that he had asked Manafort if the reports were true.

"[Manafort] said, 'Yes,'" Stone said, recalling his conversation with the former campaign chairman. He added that when he asked Manafort if he knew when he'd be indicted, Manafort replied that he did not.

"Do you know for what?" Stone recalled asking Manafort. "He said, 'No.' Pretty straightforward," Stone said.

Manafort has said he's cooperating with investigators, but the search warrant obtained by the FBI prior to July's raid suggests that Mueller managed to convince a federal judge that Manafort would try to conceal or destroy documents subpoenaed by a grand jury.

Manafort is reportedly being scrutinized for possible financial and tax crimes, his contacts with Russian officials, and his work as a foreign agent for entities linked to the Kremlin, particularly Ukraine's pro-Russia Party of Regions.

Paul ManafortAP Photo/Mary Altaffer

Last week, it emerged that US investigators obtained a FISA warrant to wiretap Manafort before and after the election. It was later reported that Manafort offered "private briefings" about the campaign to Oleg Deripaska, a Russian oligarch and ally of Russian President Vladimir Putin, just before the Republican National Convention last year.

The recent revelations and increased focus on Manafort indicate that Mueller is zeroing in on the former Trump campaign chairman as part of a likely attempt to flip him as a witness against Trump.

But Stone told Yahoo that Manafort is still "completely loyal" to the president and is in an "amazingly good mood" despite the Russia firestorm.

Stone added that when he reached out to Manafort following The Times' report alleging that prosecutors planned to indict him, Manafort sounded "very combative" and told him he believes Mueller's team is "guilty of multiple violations of the law and due-process in their efforts to investigate him," according to Yahoo.

When reached, Manafort's spokesman declined to comment.

Manafort reportedly viewed the raid on his home as an "intimidation tactic" to get him to flip against Trump. It's unclear if the raid itself was carried out, in part, to coerce Manafort's cooperation, but legal analysts agree that the speed and aggression with which Mueller is homing in on Manafort is a classic sign that the special counsel wants to flip him as a witness.

"The tactic that Mueller is using — telling Manafort that he will be charged — is generally used when prosecutors are trying to get a defendant to 'flip,'" former federal prosecutor Renato Mariotti wrote last week. The best way to do that, he added, is to assemble enough evidence to make it likely that the individual, if charged, would be convicted and sentenced to jail time.

Manafort, Stone said, still maintains that he hasn't broken any laws. "The notion that [prosecutors] could go to Manafort, for example, and say 'All right, Manafort, we've got you on money laundering, tax evasion, whatever. But if you'll just tell us that you were colluding with the Russians, and Trump knew everything, we'll let you walk.' That's not going to work," Stone said. "That might work with a drug dealer, I don't think it'll work in this case."

It's hard to tell what Mueller has on Manafort, "but they absolutely have something because they got a search warrant," said Joseph Pelcher, a former FBI counterintelligence agent who was stationed in Russia and specialized in organized crime. "You need probable cause to get a search warrant, so there is something there, without question."

Pelcher added that if he were investigating Manafort and found evidence of possible wrongdoing, "the first thing I would do is sit Manafort down and get him to cooperate, because he's not the big fish here."

NOW WATCH: 'Rocket man is on a suicide mission': Trump threatens to 'totally destroy North Korea' in major UN speech

15. US Navy's Pacific Fleet commander announces retirement after being passed for promotion06:34[−]
TOKYO/WASHINGTON (Reuters) - U.S. Pacific Fleet commander Admiral Scott Swift said he plans to retire after being passed over for promotion to the chief of all military forces in the region in the wake of two deadly collisions involving U.S. warships. Swift was in the running to replace Admiral Harry Harris as the Commander, U.S. Pacific Command (PACOM). Whoever the Pentagon chooses to replace Harris will be taking over at a time when North Korea poses a rising threat and China is flexing its military muscle. Any replacement will have to be approved by the U.S. Senate, giving U.S. President Trump limited time to find a replacement and, alternatively, the Pentagon could ask Harris to continue beyond the expected end of his three-year term in May. "I have been informed by the Chief of Naval Operations that I will not be his nominee to replace Admiral Harry Harris as the Commander, U.S. Pacific Command (PACOM)," Swift said in an e-mailed statement. "In keeping with tradition and in loyalty to the Navy, I have submitted my request to retire," Swift said. He did not request a retirement date. Like Harris, Swift is a proponent of freedom of navigation in the South China Sea and a strong critic of Beijing's island building there. Under Swift's command the U.S. Navy's Third Fleet, which normally operates east of the international date line in the Pacific has taken a command role in Asia alongside the Seventh Fleet, which is headquartered in Japan. The move aimed to bolster U.S. forces in the region as a counterweight to China's growing military might. Swift did not refer to the spate naval collisions in the Pacific in recent months when announcing his retirement on Monday in the United States. But, he is the most senior naval officer to step down after collisions in June and August in which a total of 17 U.S. sailors were killed. In August, Swift removed Seventh Fleet chief Vice Admiral Joseph Aucoin, citing a lack of confidence in his ability to command. Ten sailors aboard the guided missile destroyer John S. McCain died when it collided with a tanker east of the Straits of Malacca and Singapore on Aug. 21. Its sister ship, the Fitzgerald, almost sank off the Japanese coast on June 17 after colliding with a container ship. Seven crew died. (Editing by Simon Cameron-Moore) NOW WATCH: Why you won't find a garbage can near the 9/11 memorial

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16. What happens if Trump trashes the Iran nuclear deal06:19[−]

Iran missileReuters

US President Donald Trump trashed the Iran nuclear deal at the UN last week, sparking speculation about whether he intends to pull the US out of the deal before a key deadline by mid-October.

The US president needs to recertify the agreement every three months, with the latest deadline coming up on October 15.

There’s speculation that this time around, President Trump won’t issue a recertification, a move that could trigger the withdrawal of the US from the international accord, with far-reaching consequences for US-Iranian relations, Middle East stability, and global markets.

President Trump called the agreement “an embarrassment” and previously said it was one of the “worst deals” he’s ever seen. He begrudgingly recertified the agreement a few months ago, but has hinted that this time around he’ll pull the plug.

Trump’s case is problematic. He argues that Iran has violated the agreement, despite the fact that the International Atomic Energy Agency, the official monitor of the nuclear accord, says Iran has complied. So do the other signatories to the deal, including US allies.

In fact, The New York Times reported in July that Trump tasked his aides “to find a rationale for declaring that the country is violating the terms of the accord.” Trump is trying to find an excuse to scrap the deal, despite the lack of evidence of Iranian non-compliance.

More recently, Trump has pointed to Iran’s actions on missile testing and support for terrorism, which have nothing to do with the nuclear deal.

Nevertheless, Trump appears to have a preference for scrapping the deal and taking a hawkish line on Iran. But unilaterally blowing up the deal is incredibly dangerous, and the US would almost certainly be on its own. The US’ European allies would likely balk at trying to return to a state of confrontation with Iran. “We already have one potential nuclear crisis. We definitely (do) not need to go into a second one,” the EU’s High Representative for foreign affairs told reporters at the UN.

Hassan RouhaniREUTERS/Athit Perawongmetha

Worse, the move could undermine the systems in place that monitor Iran’s nuclear activity, and would certainly make proliferation more likely.

Eighty of the world’s leading nuclear nonproliferation experts issued a joint statement on September 13, arguing that the nuclear deal “has proven to be an effective and verifiable arrangement that is a net plus for international nuclear nonproliferation efforts.”

They went on to add: “we are concerned by statements from the Trump administration that it may be seeking to create a false pretext for accusing Iran of noncooperation or noncompliance with the agreement in order to trigger the reimposition of nuclear-related sanctions against Iran.”

To what end? The problem for Trump is that he’s likely overestimating what the US can do on its own. Sanctions on Iran worked because it involved global coordination, and included far-reaching steps to limit Iran’s ability to sell oil and use the international financial system to make oil sales. The result of that coordination was to significantly curtail Iranian oil exports—a move that severely damaged the economy and forced Iran to the table.

But, the US likely would have serious trouble limiting Iranian oil exports on its own.

In short, the US would forfeit some of the only ways to verifiably monitor Iran’s nuclear program, inflict damage on its already shaky relationship with key allies, sacrifice international goodwill and make conflict more likely—all for almost no upside. The end result: needless confrontation with Iran.

If that isn’t all, pulling out of the deal would essentially make any diplomatic resolution ending North Korea’s nuclear program impossible. For North Korea, why would it sign on to some nuclear deal if the US unjustifiably trashes a landmark nuclear agreement that it signed just two years ago?

trump ungaREUTERS/Eduardo Munoz

Oil markets might interpret Trump’s move to scrap the nuclear deal as bullish for oil, but Iran shrugged off hypothetical attempts to restrain its oil exports. Saeid Khoshrou, director of international affairs at National Iranian Oil Co., told Bloomberg that Iran is “not worried” about its ability to export oil due to US action.

Iran currently produces about 3.8 million barrels per day (mb/d) and exports about 2.2 mb/d, plus 400,000 bpd of condensate. Khoshrou said that about 60 percent is sent to Asia while the remaining 40 percent goes to Europe.

Before sanctions were lifted in early 2016, Iran’s crude exports were forced down to less than 1 mb/d, but there is much less of a chance that the US could inflict a similar level of damage alone. The “whole Europe won’t follow policy of US,” Khoshrou said, according to Bloomberg. “For exports, I’m not worried about that.”

For that reason, some think that Trump may, at the end of the day, decide not to scrap the deal. Even Iran is skeptical that the US would make such a rash move. “We don’t think Trump will walk out of the deal despite (his) rhetoric and propaganda,” Iranian President Hassan Rouhani told reporters on the sidelines of the UN General Assembly last week.

If the US does pull out of the Iran deal, it will burn all conceivable options short of war… with Iran as well as North Korea. Much of the rhetoric from Washington could very well be bluster, in which case, the impact on the oil market would be limited. On the other hand, military action, however inconceivable, would throw all oil forecasts out of the window.

NOW WATCH: Why you won't find a garbage can near the 9/11 memorial

17. Steve Bannon unleashes on NFL protests, says athletes should 'thank God in heaven' Trump is president06:14[−]

steve bannonFox News

Former White House chief strategist Steve Bannon on Monday backed President Donald Trump's comments criticizing NFL players who have protested police brutality and racial injustice by kneeling during the national anthem.

"If people take a knee, and the National Football League players want to take a knee, they should take a knee at night, every night and thank God in heaven Donald J. Trump is president of the United States," Bannon said in a rare cable television interview with Sean Hannity, seeming to inaccurately link the kneeling demonstration as a protest against the president.

"He has saved this country so much grief, he's done such a tremendous job with virtually no help," Bannon added.

Appearing live from Alabama, Bannon spent the majority of his appearance railing against the Republican leadership over their support for Sen. Luther Strange in the Alabama GOP primary runoff with former Alabama supreme court chief justice Roy Moore.

The race has become a heated proxy fight between Republican leaders and some of the biggest supporters of Trump in the right-wing media, including Bannon, Hannity, and others backing Moore, a conservative firebrand famous for trying to keep the state from allowing gay marriage and refusing to remove a Ten Commandments monument from a state judicial building, among other comments.

The newly reinstated head of Breitbart News immediately pivoted from his criticism of protesting players back to criticizing Senate Majority Leader Mitch McConnell, who some Trump backers have blamed for the stalled Republican agenda in congress.

"I stepped out to make sure that Mitch McConnell and the Republican establishment starts to have a Republican's back," Bannon said.

"Because Mitch McConnell wouldn't be the majority leader if Donald Trump didn't drag a half a dozen senators across the goal line in November. So it's time for the Republican establishment to step up and have the back of Donald Trump."

Though he has expressed doubt about wading into the primary, Trump endorsed Strange, a move that has puzzled many supporters on the right.

In Monday's interview, Bannon said a "real review has to be done about how President Trump got the wrong information and came down on the wrong side" of the Alabama primary.

Polls show Moore with a significant lead over Strange, who was appointed to fill the Senate seat vacated by Attorney General Jeff Sessions earlier this year.

NOW WATCH: The story of a North Korean amputee's 6,000-mile escape on crutches

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18. The fintech ecosystem explained06:06[−]


This is a preview of a research report from BI Intelligence, Business Insider's premium research service. To learn more about BI Intelligence, click here.

We’ve entered the most profound era of change for financial services companies since the 1970s brought us index mutual funds, discount brokers and ATMs.

No firm is immune from the coming disruption and every company must have a strategy to harness the powerful advantages of the new fintech revolution.

The battle already underway will create surprising winners and stunned losers among some of the most powerful names in the financial world: The most contentious conflicts (and partnerships) will be between startups that are completely reengineering decades-old practices, traditional power players who are furiously trying to adapt with their own innovations, and total disruption of established technology & processes:

  • Traditional Retail Banks vs. Online-Only Banks: Traditional retail banks provide a valuable service, but online-only banks can offer many of the same services with higher rates and lower fees?
  • Traditional Lenders vs. Peer-to-Peer Marketplaces: P2P lending marketplaces are growing much faster than traditional lenders—only time will tell if the banks strategy of creating their own small loan networks will be successful?
  • Traditional Asset Managers vs. Robo-Advisors: Robo-advisors like Betterment offer lower fees, lower minimums and solid returns to investors, but the much larger traditional asset managers are creating their own robo-products while providing the kind of handholding that high net worth clients are willing to pay handsomely for.

As you can see, this very fluid environment is creating winners and losers before your eyes…and it’s also creating the potential for new cost savings or growth opportunities for both you and your company.

After months of researching and reporting this important trend, Sarah Kocianski, senior research analyst for BI Intelligence, Business Insider's premium research service, has put together an essential report on the fintech ecosystem that explains the new landscape, identifies the ripest areas for disruption, and highlights the some of the most exciting new companies. These new players have the potential to become the next Visa, Paypal or Charles Schwab because they have the potential to transform important areas of the financial services industry like:

  • Retail banking?
  • Lending and Financing?
  • Payments and Transfers
  • ?Wealth and Asset Management?
  • Markets and Exchanges?
  • Insurance?
  • Blockchain Transactions?

If you work in any of these sectors, it’s important for you to understand how the fintech revolution will change your business and possibly even your career. And if you’re employed in any part of the digital economy, you’ll want to know how you can exploit these new technologies to make your employer more efficient, flexible and profitable.

Fintech Ecosystem Diagram 2016BII

Among the big picture insights you'll get from The Fintech Ecosystem Report: The Emerging Technologies and Firms Driving Change in Financial Services and How Legacy Players Can Navigate The Disruption:

  • Fintech investment continues to grow. After landing at $19 billion in total in 2015, global fintech funding had already reached $15 billion by mid-August 2016.
  • The areas of fintech attracting media and investor attention are changing. Insurtech, robo-advisors, and digital-only banks are only a few of the segments making waves. B2B fintechs are also playing an increasingly prominent role in the ecosystem.
  • It's not all good news for fintechs. Major hurdles, including customer acquisition and profitability, remain. As a result, many are becoming more willing to enter partnerships and adjust their business models.
  • Incumbents are enacting strategies to ensure they remain relevant. Many financial firms have woken up to the threat posed by fintechs and are implementing innovation strategies to stave off disruption. The majority of these strategies involve some interaction with fintech firms.
  • The relationship between incumbents and fintechs continues to evolve. Fintechs are no longer viewed exclusively as a threat, nor can they be ignored. They are increasingly viewed as partners, but that narrative alone is too simple — in reality, a more nuanced connection is taking hold.

This exclusive report also:

  • Assesses the state of the fintech industry.
  • Gives details on the drivers of its growth.
  • Explains which areas of fintech are gaining traction.
  • Outlines the range of current and potential models for fintech and incumbent interaction.

The Fintech Ecosystem Report: The Emerging Technologies and Firms Driving Change in Financial Services and How Legacy Players Can Navigate The Disruption is how you get the full story on the fintech revolution.

To get your copy of this invaluable guide to the fintech revolution, choose one of these options:

  1. Subscribe to an ALL-ACCESS Membership with BI Intelligence and gain immediate access to this report AND over 100 other expertly researched deep-dive reports, subscriptions to all of our daily newsletters, and much more. >> START A MEMBERSHIP
  2. Purchase the report and download it immediately from our research store. >> BUY THE REPORT

The choice is yours. But however you decide to acquire this report, you’ve given yourself a powerful advantage in your understanding of the fast-moving world of financial technology.

NOW WATCH: Here's what makes tech stocks today different from the tech bubble

19. John Kelly is reportedly displeased with Trump's war against the NFL05:57[−]

john kellyWhite House chief of staff John Kelly was displeased with President Donald Trump's antagonizing NFL players who kneel in protest of police violence and racism during the national anthem, two administration officials said in a CNN report on Monday.

Kelly was cognizant of racial issues and was concerned with the matter, one official said.

The chief of staff was also reportedly concerned with Trump's initial response during the white-nationalist protests in Charlottesville, Virginia, in August.

Despite his reservations with Trump's NFL war, Kelly, a highly decorated former Marine Corps officer and the former Homeland Security Secretary, publicly said he was "appalled" by the players who knelt during the national anthem.

"I believe every American, when the national anthem is played, should cover their hearts and think about all the men and women who have been maimed and killed," Kelly said to CNN on Monday. "Every American should stand up and think for three lousy minutes."

Trump rejected CNN's assertion that he and Kelly were at odds on his NFL tirades, calling it a "total lie," and insisting that Kelly "agrees [with] my stance on NFL players."

Trump found himself mired in controversy after suggesting NFL team owners should fire players who knelt during the national anthem, during a rally in Huntsville, Alabama, on Friday.

"For a week, they'll be the most popular person in this country," Trump griped about players kneeling during the national anthem. "Because that's a total disrespect of our heritage. That's a total disrespect for everything we stand for."

Trump carried on with the subject through the weekend and all day Monday, telling players who demonstrate to " find something else to do" and calling the NFL's games " boring."

NOW WATCH: Putin's controversial bridge to connect Russia to annexed Crimea will be the longest in Russian history

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20. States and city governments say their tax deduction helps the middle class05:46[−]

construction worker miamiJoe Raedle/Getty

A new coalition defending the federal deduction for state and local taxes issued a report Monday finding that the tax break benefits the middle class, pushing back against Trump administration efforts to undo the break to pay for lower tax rates in tax reform.

The analysis, published by the Government Finance Officers Association, found that nearly 86 percent of the taxpayers who claimed the credit had an adjusted gross income under $200,000 in 2015.

The report concludes that use of the state and local tax deduction is "widespread among all states regardless of geographic area, political identification, wealth or economic activity."

State and local officials, with the real estate industry Government Finance Officers Association, are trying to prevent Republicans from eliminating or scaling back the tax break to free up funds to lower tax rates.

The deduction, allowed for taxes paid on property taxes and income or sales taxes, is worth $1.3 trillion over 10 years, according to the Treasury.

Appearing on Fox Business Monday morning, Treasury representative Tony Sayegh argued that the deduction accrues to "mostly wealthy taxpayers in high-tax states."

The majority of benefits, Sayegh said, flow to people earning "six figures."

The report released Monday substantiates that claim. More than three-quarters of the tax break's benefit went to earners with adjusted gross income over $100,000.

In the past, however, the cut-off for determining where the middle class ends has been set at different levels by different officials.

Former President Barack Obama, for instance, defined households with less than $250,000 in earnings as middle class for tax policy purposes.

Median household earnings are well below that mark. Median adjusted gross income was under $40,000 in 2014, according to the IRS, and income of $133,000 placed earners in the top 10 percent.

NOW WATCH: 6 details you might have missed on the season 7 finale of 'Game of Thrones'

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21. Jerry Jones paid a record $140 million for the Dallas Cowboys — the team is now worth $4.8 billion05:23[−]

In 1989, Jerry Jones purchased the Dallas Cowboys for $140 million.

The sale marked the first time anybody had ever paid more than $100 million for a sports team and it came just five years after the previous owner, H. R. (Bum) Bright, had purchased the Cowboys for $60 million. But if there was any thought at the time that Jones overpaid for a team that went 3-13 the year before, that has since been erased, several-fold.

In the 2000s, the value of the Cowboys franchise hovered around 30-60% more than that of the average NFL franchise. However, over the last decade, the Cowboys valuation has grown 220% from $1.50 billion to $4.80 billion, according to the latest valuations by Forbes, while the average franchise has increased 161% from $960 million to $2.50 billion.

COTD_9.19Mike Nudelman/Business Insider

This post has been updated from its original form.

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22. Trump attacks John McCain for coming out against the Graham-Cassidy healthcare bill05:20[−]

donald trumpREUTERS/Kevin Lamarque

President Donald Trump on Monday night tweeted what amounted to a political-opposition video targeting Sen. John McCain over his position on the latest Republican healthcare bill.

The six-minute video shows various archive clips of McCain criticizing Obamacare and echoing calls to repeal and replace the law formally known as the Affordable Care Act. "A few of the many clips of John McCain talking about Repealing & Replacing O'Care. My oh my has he changed-complete turn from years of talk," Trump wrote.

Trump sent that tweet as Sens. Lindsey Graham and Bob Cassidy, the authors of the latest Republican attempt at repealing Obamacare known as the Graham-Cassidy bill, were debating the issue on CNN Monday night.

When he was informed of the president's tweet, Graham responded: "John McCain was willing to die for this country. So I would say to any American who has a problem with John McCain's vote that John McCain can do whatever damn he wants to. He's earned that right."

Watch the moment below:

McCain, who is battling an aggressive form of brain cancer, said last week that he would not vote for the Graham-Cassidy bill. The bill's future was in doubt on Monday after Maine Sen. Susan Collins said she would vote against the bill, making her the third Republican to publicly come out against it.

Collins' opposition would effectively tank Graham-Cassidy, which could only afford to lose two votes to pass.

NOW WATCH: Trump touts the 1986 US tax reform law as 'something special' — here's footage of him calling it a 'disaster' in 1991

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23. Artificial intelligence could be a $14 billion industry by 202305:13[−]

artificial intelligence baiduREUTERS/Kim Kyung-Hoon

A recent report asserts that the artificial intelligence (AI) industry will reach a compound annual growth rate of 17.2% by 2023. The market is set to swell to a whopping $14.2 billion over the next six years, up from just $525 million in 2015.

Natural language processing technology is set to be a huge contributor to this growth. This tech is being adopted rapidly, particularly by financial institutions, because it can carry out customer service transactions and answer common questions in the place of human employees.

As for geography, North America is expected hold the majority of the AI industry’s market share by 2023, but Europe and the Asia-Pacific region will see significant growth thanks to the rapid pace of urbanization in some areas, increasing use of smartphones, and robust automotive sectors.

The time is now

Inevitably, any transition away from human labor could result in fewer jobs. The big question is whether AI and automation can produce enough new jobs to ensure that the people being replaced aren’t left unemployed.

According to the World Economic Forum, automated systems are on track to replace more then five million workers by 2020. In the U.S., some have predicted that 7% of jobs will be lost to automation by 2025, and a recent study found that as many as 10 million jobs in Great Britain could be swallowed up by automation over the next 10 years.

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While we still have reasons to be optimistic that AI and automation could create jobs rather than just take them away, that’s not likely to happen organically — we need to make some big societal changes to ensure the benefits of AI outweigh the negatives.

These changes might mean some sort of adjustment to academic curriculum that takes into account the types of jobs that students are likely to hold 10 years from now. Universal basic income (UBI) could also be the answer, giving citizens a way to ensure their basic needs are met even after they are no longer needed at their job.

AI and automation are no longer the wave of the future — the technology is already here, and these systems are being implemented more broadly than even before. The world of work is changing, and the way society functions needs to change along with it.

NOW WATCH: All blue-eyed people have a single ancestor in common

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24. THE SELF-INSTALLED SMART HOME REPORT: Why current smart home device owners are appealing to tech companies05:06[−]

BI Intelligence

This is a preview of a research report from BI Intelligence, Business Insider's premium research service. To learn more about BI Intelligence, click here.

Not that long ago, many home-appliance and consumer-electronics makers were gearing up for what they thought would soon be a rapidly growing market for smart home devices.

The instant popularity of the Nest thermostat, introduced in 2011, seemed to confirm their hopes. But those expectations were dashed in the coming years as the market for connected home devices later stagnated.

Even with these challenges, many of the biggest consumer technology companies are now moving into the smart home market. For example, Apple, which recently released its self-installed smart home ecosystem, called the Apple Home, traditionally doesn't move into a market until it's very mature and only when it can release a perfected product. Further, Google this fall launched the Google Home and its companion ecosystem, hoping to jump into the voice-activated smart home speaker market, which Amazon currently dominates with its Echo product line.

In a new report, BI Intelligence examines the demographics of the average smart home device owner and discuss why current smart home device owners are appealing to tech companies. The report also examines the plans of various tech giants in the smart home market and discuss their monetization strategies, and makes suggestions for how these companies can position themselves to make their products and devices more appealing to the mass market.

Here are some key takeaways from the report:

  • Tech companies primarily enter the market to enhance a core revenue stream or service, while device makers desire to collect data to improve their products and prevent costly recalls.
  • We forecast there will be $4.8 trillion in aggregate IoT investment between 2016 and 2021.
  • These companies are also seeking to create an early-mover advantage for themselves, where they gain an advantage by this head start on adoption.
  • Major barriers to mass market adoption that still must overcome include technological fragmentation and persistently high device prices.

In full, the report:

  • Details the market strategy of prominent tech companies and device makers, and analyzes why which ones are best poised to succeed once adoption ticks up.
  • Offers insight into current ownership through an exclusive survey from BI Intelligence and analyzes what demographics will drive adoption moving forward.
  • Explains in detail which companies are poised to succeed in the market in the coming years as adoption increases and mass market consumers begin to purchase smart home devices.

To get your copy of this invaluable guide to the IoT, choose one of these options:

  1. Subscribe to an ALL-ACCESS Membership with BI Intelligence and gain immediate access to this report AND over 100 other expertly researched deep-dive reports, subscriptions to all of our daily newsletters, and much more. >> START A MEMBERSHIP
  2. Purchase the report and download it immediately from our research store. >> BUY THE REPORT

The choice is yours. But however you decide to acquire this report, you’ve given yourself a powerful advantage in your understanding of smart homes.

NOW WATCH: Meet the forgotten co-founder of Apple who once owned 10% of the company

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25. NFL players and teams around the league defiantly reacted to Trump's comments by protesting during the national anthem04:41[−]

Patriots protestJim Rogash/Getty Images

Sunday gave NFL teams their first chance to demonstrate during the national anthem in response to President Donald Trump's condemnation of such protests, and teams across the league participated.

On Friday while speaking at a rally in Alabama, Trump had derided NFL players who chose to kneel during the national anthem to protest police violence against black people, saying: "Wouldn't you love to see one of these NFL owners, when somebody disrespects our flag, to say, 'Get that son of a b---- off the field right now, out — he's fired!'"

Teams, players, and commissioner Roger Goodell responded with statements defending players' right to kneel. Goodell said the president's comments showed an "unfortunate lack of respect for the NFL."

Teams across the league demonstrated in various ways during the early games Sunday, with some teams standing arm-in-arm together and some both with players kneeling and with players standing with linked arms. Over an hour after kickoff, the president tweeted about the protests again, saying, "Standing with locked arms is good — kneeling is not acceptable."

You can take a look at how different teams chose to show solidarity below.

Dallas Cowboys


The entire Cowboys team momentarily took a knee prior to the anthem for the "Monday Night Football Game" as a " statement for equality and as a representation of unity." The team then stood for the anthem.

Baltimore Ravens

AP Photo/Matt Dunham

Sunday's first game got started early in London. Some players on the Baltimore Ravens stood arm-in-arm during the anthem, while many others including Mike Wallace, Tony Jefferson, Terrell Suggs, and former Ravens linebacker Ray Lewis chose to kneel.

Jacksonville Jaguars

AP Photo/Tim Ireland

It was a similar scene on the Jacksonville sideline in London, with some players standing arm-in-arm and others choosing to take a knee. Eli Ankou, Tashaun Gipson, A.J. Bouye, and 10 other Jaguars all knelt for the anthem. Also notable was the presence of Jaguars owner Shahid Khan locking arms with players.

See the rest of the story at Business Insider

26. There's a history behind North Korea's carefully selected words for Trump04:38[−]

North Korean Foreign Minister Ri Yong HoSince the early 1990s, the North Koreans have been gaining increasing attention for their use of sharp language. In the latest such episode, Ri Yong-ho, the North Korean foreign minister, ridiculed US president Donald Trump, comparing his bombastic threats to the "sound of a dog barking."

This may sound like a fairly standard put down, but in fact Ri’s language was carefully selected. In the Korean context, a comparison with a dog is deeply insulting, and this likely explains Kim Jong-un’s follow-up reference to Trump as a "frightened dog," and other derisive references to his age.

Such claims allow the North Korean leadership to present itself as defiant to the world community.

The Korean peninsula has a lengthy history of exchanging insults, with such propaganda dating to the period around the Korean War (1950-1953). This often involves comparing opponents to a beast or an animal by using phrases rooted in Korean culture.

This style of exchange began as early as 1948, when the United Nations sponsored the first elections to take place after the division of the peninsula into North and South Korea. It has intensified since the mid-1990s, as North Korea sought to acquire nuclear technology, and even more since 2006.

Today, North Korean propaganda posters commonly use phrases such as "American bastard" or "American imperialism," depicting their opponent as an exaggerated, overly large American soldier. These soldiers often possess distorted facial features, and as a group, they may threaten a cowering group of Koreans, depicted as much smaller and without defence. If these images sometimes lack the personal nature of the exchanges between Kim and Trump, they still carry a charged significance, characterizing Americans with extremely corrosive language.

This style of imagery reflects North Korean memory of the later stages of the Korean War, when the north was subjected to intense American bombing. Although these are contemporary posters, they continue to engage with the legacy of the war, reminding a North Korean audience of their historical antagonism with the US.

In contrast, American anti-Communist propaganda from the 1950s referenced images of international communism, depicting a series of strings connecting north-east Asia. In many cases, Joseph Stalin appears in the background, manipulating events from Moscow. Symbols of the US seldom appear: the country is instead represented within the group of the United Nations. Only in more recent years has this symbolism transformed, morphing into linguistic targeting of the North Korean leadership specifically, using the theme of madness and irrationality for Kim Jong-Il, and now his son, Kim Jong-un.

north korea propogandaScreenshot via uriminzokkiri/YouTube

South Korean propaganda is perhaps the least well-known. From their shared history as one nation, the two Koreas began to take on Cold War ideology following the Korean War, especially as each rebuilt and they became bitter competitors. In the mid-1960s, South Korea offered up images of a giant octopus, sometimes with the face of Mao, threatening Vietnam and South-East Asia with its grasping tentacles.

Under President Park Chung-hee (1961-1979), particularly in the 1970s, South Korean children received anti-communist education ("national ethics") as part of the curriculum. In textbooks, North Koreans were often illustrated as demonic, inhuman figures, with claws for hands and horns on their heads. This type of imagery continued through the mid-1980s, until South Korea ended its own period of military rule.

The most startling transformation that came with this political change was the image of North Koreans, who were now depicted in South Korean film and popular culture as human beings. This new imagery reflected a period of thaw and concession, away from the previous exchange of insults. A popular film from the period, The Spy (1999), instead showed a North Korean spy going undercover on a mission, who comically does not know how to withdraw money, has trouble with simple conversations, and is robbed by strangers when he arrives in fast-paced South Korea.

If the style of harsh language persists between Trump and the North Korean leadership, it hints at much of this previous history. Such antagonism dates to the destruction of the Korean War and its aftermath. For their part, the South Koreans dropped much of their harsh dialogue in the late 1990s with the " Sunshine Policy," when President Kim Dae-jung sought to woo the North through a combination of diplomacy and aid. This has proved controversial, as the policy did not succeed in persuading North Korea to give up its nuclear ambitions.

Harsh language is now a regular, almost daily, occurrence, passing back and forth between the United States and North Korea (although South Korean leaders continue to be targeted as well). This language is intended for a domestic as well as an international audience. In the North Korean sphere, the rhetoric creates a performance to keep the home front strong, and strengthens the position of North Korea’s elite political group within the eyes of its people.

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27. At least 6 White House advisers reportedly used private email accounts for government business04:20[−]

jared kushner ivanka trump steve bannon reince priebusMario Tama/Getty Images

At least six White House advisers made use of private email accounts for government business, according to a New York Times report on Monday.

The Times said that former White House chief of staff Reince Priebus, former chief strategist Steve Bannon, and current advisers Gary Cohn and Stephen Miller all sent or received work-related emails from personal accounts, citing current and former White House officials.

The news comes one day after Politico reported that adviser Jared Kushner sent or received about 100 emails from a private account from January through August. And a report from Newsweek on Monday stated that Trump's eldest daughter Ivanka Trump, a White House adviser since March, also used a private email address.

Using a personal email account for government business is not illegal for advisers, but they are supposed to forward all such emails to their government accounts so they can be made available to the public.

Kushner's use of the private server prompted Rep. Elijah Cummings, the ranking Democrat on the House Oversight Committee, to launch an investigation into the matter. Cummings was joined by committee chairman Trey Gowdy, a Republican, who wrote to the Trump administration asking for more information on senior officials using private accounts.

During the 2016 election, the Trump campaign repeatedly criticized Hillary Clinton for her use of a private email server during her tenure as secretary of state. At his rallies, Trump described Clinton's actions as criminal, prompting raucous chants of "Lock her up!" from his crowds.

An FBI investigation into Clinton's email use ended with then-FBI Director James Comey declining to recommend criminal charges against Clinton.

However, as The Times noted, there are some differences between Clinton's private email use and that of the Trump advisers. For one, Clinton's emails numbered in the tens of thousands, about 100 of which contained classified information. In the Trump advisers' case, the content and frequency of the emails are unknown, but the officials cited by The Times described them as sporadic.

White House press secretary Sarah Huckabee Sanders acknowledged the private email use in a statement on Monday:

"All White House personnel have been instructed to use official email to conduct all government related work," she said. "They are further instructed that if they receive work-related communication on personal accounts, they should be forwarded to official email accounts."

Read The Times report here »

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28. With little government aid and no insurance, there's a steep price for disaster in Mexico04:08[−]

mexico earthquakeRescue efforts in Mexico are beginning to wind down after a trepidatory (vertical) earthquake unleashed destruction and bedlam in Mexico City and the two central states of Puebla and Morelos on Tuesday.

The temblor took place 32 years to the day after a horrendous quake killed at least 10,000 people in Mexico City in 1985.

Thankfully, the number of victims this time is many magnitudes lower, due largely to improved building standards and enhanced public awareness in the wake of the ’85 quake. Nonetheless, the death toll is close to 300 with thousands more injured. And for survivors the financial toll is just beginning.

Just as happened in 1985, the response of civil society to the latest disaster has been astounding. As CNN’s Mexico correspondent Susannah Rigg reports,rather than rushing away from danger in the immediate aftermath of the quake, many people ran towards it, in order to help others who may be trapped in collapsed buildings.

All over the city, people began forming human chains to help remove debris while other volunteers, including the so-called “topos” (moles), a famous volunteer group that formed after the 85 quake, burrowed into the loose wreckage in search of survivors. So far these groups have helped rescue scores of people, including eleven school children, from the debris. Social media has also played its part by helping send people to where they are most needed.

It’s this kind of solidarity that is keeping Mexico going. In fact, in some areas there are so many people helping out that willing volunteers are being told that no more help is needed. Hospitals are providing free care to the quake’s victims, architects and structural engineers are assessing the structural health of buildings free of charge, and therapists are offering free counseling.

Everybody wants to do their bit.

Even the government has tried to play a bigger role this time, after coming under scathing criticism for its inaction and corruption during the ’85 quake. But the government, both local and federal, is already deeply in debt and local administrations are being forced to make drastic cuts in their spending. Of the limited funds the government does have at its disposal, serious doubts have been raised as to how much of it will end up reaching its intended recipients.

mexico earthquakeAnthony Vazquez/AP

The total amount of money in Mexico’s disaster relief fund is just 9 billion pesos (just over $500 million). That’s a tiny fraction of the amount of money Mexico’s elected officials are alleged to have plundered from state coffers in recent years.

According to the Mexican newspaper El Universal, Mexican state governors are estimated to have defrauded the country of 259 billion pesos ($14.6 billion), more than enough to fund the rebuilding effort not only in Mexico City, Puebla, and Morelos but also the south eastern states of Chiapas and Oaxaca, which were rocked by a 8.2 quake over two weeks ago.

To further hamper the rebuilding effort, most of the apartment and office buildings affected in both quakes are not insured against natural disaster. This is one of the sharpest differences between disaster recovery efforts in advanced economies and emerging or developing ones. When people lose their homes or businesses in less advanced economies such as Mexico, they usually have to rebuild from scratch, with little or no financial support from the government or insurance firms.

Even among its peers in Latin America (with the notable exception of Brazil), Mexico is desperately under-insured, despite its heightened exposure to seismic activity and other forms of natural disaster. According to the Financial Inclusion Report of the National Banking and Securities Commission, the total penetration of the insurance sector in Mexico in 2015 was 2.1% of GDP, compared to an average of 3.1% for Latin America as a whole.

The Mexican Association of Insurance Institutions (AMIS) reports that only 8.6% of homes have a policy that covers damages from natural disasters. Roughly 5% of micro-enterprises insure their properties, a percentage that increases to 15% among small businesses. In other words, more than nine out of every ten homes and more than eight out of every 10 businesses affected by the earthquake have zero insurance coverage.

In Mexico City a total of 38 buildings have collapsed completely since Tuesday’s earthquake but another 3,800 are estimated to be damaged. That number is likely to rise sharply in the days and weeks to come as teams of surveyors assess the level of damage in each affected building. If the structure is deemed to be unsound, the building will have to be demolished.

Right now, thousands of people in Mexico City, Puebla, and Morelos, including close friends and family, are on tenterhooks. They know that if they lose the apartment or business they spent years (or even decades) paying off or building, they’re right back to square one. And for many, it’s probably already too late to go that far back.

Editor's note:

Wolf here: Don Quijones and his wife, who is from Mexico, spent part of the summer in Mexico but returned to Spain a few days before the earthquake. DQ’s in-laws live in Puebla, Mexico City, and Morelos — among the hardest hit places. They got through it unharmed and are more or less OK for now. But a lot of uncertainties remain. My thoughts are with them.

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29. THE INTERNET OF THINGS 2017 REPORT: How the IoT is improving lives to transform the world04:05[−]

TotalIoTDevicesBI Intelligence

This is a preview of a research report from BI Intelligence, Business Insider's premium research service. To learn more about BI Intelligence, click here.

The Internet of Things (IoT) is disrupting businesses, governments, and consumers and transforming how they interact with the world. Companies are going to spend almost $5 trillion on the IoT in the next five years — and the proliferation of connected devices and massive increase in data has started an analytical revolution.

To gain insight into this emerging trend, BI Intelligence conducted an exclusive Global IoT Executive Survey on the impact of the IoT on companies around the world. The study included over 500 respondents from a wide array of industries, including manufacturing, technology, and finance, with significant numbers of C-suite and director-level respondents.

Through this exclusive study and in-depth research into the field, BI Intelligence details the components that make up IoT ecosystem. We size the IoT market in terms of device installations and investment through 2021. And we examine the importance of IoT providers, the challenges they face, and what they do with the data they collect. Finally, we take a look at the opportunities, challenges, and barriers related to mass adoption of IoT devices among consumers, governments, and enterprises.

Here are some key takeaways from the report:

  • We project that there will be a total of 22.5 billion IoT devices in 2021, up from 6.6 billion in 2016.
  • We forecast there will be $4.8 trillion in aggregate IoT investment between 2016 and 2021.
  • It highlights the opinions and experiences of IoT decision-makers on topics that include: drivers for adoption; major challenges and pain points; stages of adoption, deployment, and maturity of IoT implementations; investment in and utilization of devices, platforms, and services; the decision-making process; and forward- looking plans.

In full, the report:

  • Provides a primer on the basics of the IoT ecosystem
  • Offers forecasts for the IoT moving forward and highlights areas of interest in the coming years
  • Looks at who is and is not adopting the IoT, and why
  • Highlights drivers and challenges facing companies implementing IoT solutions

To get your copy of this invaluable guide to the IoT, choose one of these options:

  1. Subscribe to an ALL-ACCESS Membership with BI Intelligence and gain immediate access to this report AND over 100 other expertly researched deep-dive reports, subscriptions to all of our daily newsletters, and much more. >> START A MEMBERSHIP
  2. Purchase the report and download it immediately from our research store. >> BUY THE REPORT

The choice is yours. But however you decide to acquire this report, you’ve given yourself a powerful advantage in your understanding of the IoT.

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30. Iran claimed it successfully launched a missile, US intelligence says it didn't04:02[−]

Iranian President Hassan RouhaniAP/Ebrahim Noroozi

US intelligence officials said there was "no indication" Iran launched a medium-range ballistic missile on Friday as that country claimed, multiple news outlets reported on Monday.

The video footage of the purported missile was over seven months old, Fox News said — the same period in which the Iranians conducted a failed launch where a missile exploded prematurely.

Iran did not include the location or date of the launch at the time it released the footage.

"You are seeing images of the successful test of the Khorramshahr ballistic missile with a range of 2,000 km, the latest missile of our country," Iranian state media said on Saturday, as it played footage of the supposed launch, Reuters reported.

The country was reportedly testing the Khorramshahr medium-range ballistic missile, a missile that has been reported to share similarities with North Korea's counterpart, the Hwasong-10, when it exploded after traveling 600 miles.

"I am not sure why the Iranians are lying about the range," a US official told Fox News. "I think they don't want to piss the Europeans off."

President Donald Trump blasted Iran's alleged missile activity on Twitter, which came just days after he criticized the Iran nuclear deal: "Iran just test-fired a Ballistic Missile capable of reaching Israel. They are also working with North Korea," Trump tweeted on Saturday. "Not much of an agreement we have!"

Although Iran was encouraged not to conduct ballistic missile tests in the UN Security Council's resolution, it was only "called upon not to undertake any activity related to ballistic missiles" — a discrepancy that has allowed Iran to merely violate the spirit of the agreement when it conducts its ballistic missile tests. Since 2015, Iran has conducted over 20 missile tests.

The Iranians, however, claimed their tests were "solely defensive," as Iranian President Hassan Rouhani delivered a speech before the UN. "We never threaten anyone, but we do not tolerate threats from anyone," Rouhani said on Wednesday.

Rouhani also threatened to act "decisively and resolutely" if Trump pulled the US out of the deal, a decision that Trump teased has been "decided," but would not reveal what the decision is.

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31. A customer rewards program could've helped Chipotle avoid its queso crisis (CMG)04:00[−]

Chipotle Test Kitchen 2Hollis Johnson

A lot of people aren't digging the new queso at Chipotle Mexican Grill. The meandering burrito roller's noble attempt to create the processed creamy cheese topping by sticking to all-natural ingredients is blowing up on social media -- and not in a good way.

Negative reviews are far outweighing the positive ones, sending the shares to a fresh 52-week low on Tuesday. The irony here is that Chipotle tested its pungent and soupy concoction in two different markets and its New York City test kitchen before unleashing it across the country last week. Social media didn't like it then, either, but the chain still went through with the national rollout.

"What we are seeing now in terms of social sentiment is very similar to what we saw when we began marketwide tests in Colorado and Southern California, yet we were sufficiently encouraged by those tests -- both in terms of sentiment from the research we conducted and business results -- to roll out the queso nationwide," Chipotle spokesman Chris Arnold told Reuters earlier this week.

The comment suggests that sales are strong and that there's a silent majority loving Chipotle's queso, but it's a big gamble that the chain is making by assuming that everything will work out in the end. It's a decision that could've been easier to make if Chipotle had introduced a customer loyalty program the way it suggested shortly after last year's Chiptopia promotion.

You're no guac

Chipotle ran a three-month promotion last summer arming regulars with a card that would reward customers with free grub after several repeat visits. When Chiptopia ended at the end of last year's third quarter, Chipotle told analysts that a more permanent rewards program was in the works. It never came.

Chiptopia helped the chain track personal usage. Chipotle can monitor individual trends to a certain extent through mobile ordering and credit card transaction data -- it obviously doesn't operate in a vacuum -- but nothing beats having 3.6 million of your most rabid fans swiping Chiptopia loyalty cards at every purchase the way they did last summer. It would've been nice to have a consensus on queso from its Chiptopia regulars.

Chipotle feels that it's doing the right thing and that all of the knocks that its reputation has been taking over the past 10 days will be worth it once the masses warm up to the chain's version of queso. However, it's hard to have faith in the chain's judgment. Days after Chiptopia came to an end, the chain went nationwide with chorizo, the fast-casual giant's first new menu item since 2013. It flopped, and Chipotle conceded earlier this week that it's taking chorizo off its assembly lines to make more room for queso.

Chorizo failed, and it didn't load up social media with skewering critiques the way that queso has been doing this month. Chipotle shareholders will naturally hope that the chain is right, and that they'll be laughing all the way to the bank a year from now with queso dripping off their chins. However, given everything that seems to be going wrong to send the stock to its lowest level in more than four years, it's hard to give Chipotle the benefit of the doubt with its queso rollout.

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32. Montreal's housing market is very different from Canada's boom cities03:46[−]

Montreal real estate isn’t hot, and it’s not being driven by foreign buyers fleeing Toronto and Vancouver. There’s significant media coverage on how Montreal is the new real estate hot spot, especially in the luxury segment. It’s certainly attention grabbing, so we pulled some sales data from the Canadian Real Estate Association (CREA) and the Greater Montreal Real Estate Board (GMREB). Turns out Greater Montreal real estate is doing okay, but to say it’s booming is a bold faced lie.

Prices are up a whopping $200… Yeah, you read that right

The price of a home in Montreal is getting more expensive, but it’s not climbing all that high. The benchmark price, which is the price of a typical home, rose to $326,400. That’s up a whopping 0.06% from the month before, which works out to $200. Compared to same month the year before, this price is 4.64% ($14,500) higher. To contrast, the annual benchmark price increase for all Canadian urban centres was 11.24%. Montreal had a good climb, but it’s underperforming the national composite.

dwelling 1Better Dwelling

The average sale price showed even more conservative gains. The average home in Greater Montreal sold for $374,333, a 4.1% increase from the same month last year. Once again, it’s a healthy market – but only a notch above inflation.

dwelling 2Better Dwelling

Montreal’s luxury market is not booming

This is the interesting part, agents have been boasting of a boom in luxury buying. The number they use is above $1 million, so let’s look at the number of sales in that price range. August saw 64 sales above a million dollars, compared to 59 the same month last year. This is 8% growth, a touch under the 8.1% growth of all sales in the region. Sales over $1 million accounted for 2.2% of all Montreal sales. This isn’t a huge portion of sales, nor is it huge growth – regardless of how agents manipulate that statistic.

dwelling 3Better Dwelling

To contrast, let’s look at Toronto luxury sales – which are generally over $2 million. The number of sales in August above $2 million were 132, roughly 4.8% of the market. If we tallied up the number of sales over a million in Toronto, that number would shoot up to 15%. August was also a bad month for detached sales in Toronto.

Toronto’s foreign buyers don’t make sense in Montreal

News outlets are reporting that foreign buyers are driving Montreal’s “huge” gains. There’s two major types of foreign buyers – immigrants, and urban land bankers. Toronto primarily has the first one, the kind that are immigrating. Toronto Real Estate Board (TREB) statistics show 91.5% of the city’s foreign buyers bought their home to occupy. TREB also found the majority of these buyers were moving from the United States. You know, because Toronto is a global financial center.

A good number of Toronto’s foreign buyers move there for things like employment. A tax does not change employment opportunities overnight, or send jobs elsewhere. Foreign buying of condo pre-sale assignments remain, but they aren’t taxed anyway. A non-resident tax is applied when the land registers, so they can still buy and flip it tax free. Point is, a tax doesn’t send people moving for jobs to another city. It likely delays the buy, until it’s clear to the new resident that they don’t have to pay it.

Vancouver’s foreign buyers don’t make sense in Montreal

There’s a lot of immigration to Vancouver, but the real problem are buyers using homes as a store of wealth. See, Vancouver is a very special place where global real estate buyers use homes as an inflation sensitive hedge. An inflation sensitive hedge, for those that don’t know, is a commodity bought to preserve capital when asset inflation goes out of control. This is something that took trillions of dollars, and over 30 years to establish.

In Vancouver, these homes aren’t purchased aren’t for living in. You buy them, and sell them when you need money. Just like the gold bars you have stashed away in a Swiss bank account. Census numbers peg the number of vacant, or occasionally occupied homes in Metro Vancouver at a mind boggling 66,719. An analysis we did last fall showed that 1 in 10 homes being resold had never been lived in, as identified by the seller… some for over 20 years. Don’t take my word for it though. The world’s most powerful banker, and Canada’s largest developer have already explained Vancouver real estate is used this way.

The foreign buying tax did dampen Vancouver buying. However, China’s change to currency controls is what slowed new capital from just reappearing. China also deployed a 400,000 person army to make sure they could do it. Cities like Auckland, and London are seeing a reduction in Mainland Chinese buying without a tax. Montreal doesn’t have a magic exemption.

Vancouver’s foreign buyers aren’t going to set up a new banking capital overnight. The slow capital build up in the city means home prices don’t just drop. This value retention is what continues to make it attractive. They would sooner find loopholes in the tax, than spend another 30 years turning Montreal into a new bank. These are after all, long-term deposits. They last through many, many governments – and taxes.

Narrative crafting is hitting Montreal

Montreal real estate is performing just a notch above inflation, which is where it should be. However, the city’s real estate industry is flashing early signs of narrative crafting. This is when the industry uses observations that can’t be proven to drive FOMO from buyers. Buy now, or a mysterious person from the East will lock you out of homeownership in your own city!

Once this fear hits, domestic speculators will start driving prices – attracting global speculators. This is when it turns from a healthy market, to a speculative one. They’ll play against each other, until growth tapers. They leave as quickly as they come, and locals are usually left with nothing more than a pile of debt.

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33. Entire Dallas Cowboys team kneeled prior to 'Monday Night Football' game but stood during the anthem03:44[−]

Dallas CowboysESPN

The entire Dallas Cowboys team, including coaches, front office personnel, and owner Jerry Jones, locked arms and took a knee prior to the "Monday Night Football" game against the Arizona Cardinals, however, the team then stood for the national anthem.

Lisa Salters of ESPN spoke with Cowboys executive vice president Charlotte Jones Anderson, who said the team decided to take a knee together "as a statement for equality and as a representation of unity."

Fans at University of Phoenix Stadium in Glendale, Arizona could be heard booing when the Cowboys took a knee.

According to Salters, Anderson added, "that's what their players wanted to do," and that the Cowboys players "wanted to show unity, but they were very adamant about wanting to separate that message from the national anthem."

ESPN also reported that the Cowboys and Cardinals discussed doing something together but that negotiations fell through. The Cardinals eventually chose to stand in the end zone during the national anthem and locked arms with members of the military.

You can see the entire scene unfold here:

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34. The highest-paid player on all 32 NFL teams03:20[−]

derek carr Thearon W. Henderson/Getty

The two most important aspects of building a successful football team are to find a franchise quarterback and to manager the team's salary cap.

Interestingly, only seven quarterbacks are their team's highest-paid player this season, down from 15 in 2016. Of the other 25 teams, 19 have a defensive player as their highest-paid player and of those, six are cornerbacks and six are defensive ends. This suggests teams are investing more and more money into stopping quarterbacks.

Here are the 32 players who will make the most money on their respective teams this season.

Contract details provided by Spotrac.com.

32. Jason Peters — $11,250,000

Al Bello/Getty Images

Team: Philadelphia Eagles

Position: Left tackle

2017 earnings breakdown: $3.0 million salary, $8.0 million signing bonus, and $250,000 workout bonus.

One thing to know: Peters has a salary cap hit of just $6.9 million and the Eagles do not have any players with a cap hit over $9.9 million. Of the Eagles' top ten cap hits, four are offensive linemen.

31. Drew Brees — $13,000,000

Chris Graythen/Getty Images

Team: New Orleans Saints

Position: Quarterback

2017 earnings breakdown: $13.0 million salary

One thing to know: Brees' contract expires after the 2017 season and speculation has already begun that the team will look to move in a different direction from Brees who will be 39 in 2018.

30. Gerald McCoy — $13,250,000

Sean M. Haffey/Getty Images

Team: Tampa Bay Buccaneers

Position: Defensive tackle

2017 earnings breakdown: $13.25 million salary

One thing to know: McCoy is one of only two Buccaneers players with a cap hit over $8.0 million.

See the rest of the story at Business Insider

35. South Korea throws a wrench into the US's war plans03:17[−]

south korea moonKim Hong-Ji/Reuters

Last May at Mauldin Economics’ Strategic Investment Conference, I predicted that the crisis in North Korea would likely lead to war. The crisis ensued, but war has not broken out.

With a top US official saying the Pentagon might have to handle this crisis, it’s time to review what has happened and whether war is really an option now.

(I’ll be addressing this very topic at our upcoming New York conference—you can learn more here.)

North Korea Passed a Threshold in Its Nuclear Program

North Korea had been developing nuclear weapons for years. This was nothing new. But the development that turned this into a crisis was that the North had passed a threshold.

North Korea had reportedly developed warheads small enough to be fitted to a missile. Pyongyang also seemed to be moving toward a new missile that would be capable of striking the US.

One of the United States’ top imperatives is to keep the homeland secure from foreign attacks of all sorts. The prospect of a nuclear attack towered over all other threats. The problem, of course, was figuring out how close North Korea was to developing an operational weapon.

The United States was, therefore, in an area of uncertainty.

Why the United States Stalled

The US had little to gain from a war with North Korea; it wanted only to destroy the North’s nuclear program. The war plan was complex. And though it was likely to succeed, “likely” is not a term you want to use in war.

North Korea’s nuclear and missile facilities were scattered in numerous locations, and many were underground or in hardened sites. And the North Koreans had massed artillery along their southwestern border, within easy range of Seoul.

In the event of an American attack on North Korean facilities, it was assumed those guns would open up, killing many South Koreans. Destroying those batteries would require a significant air campaign, and in the meantime, North Korean artillery would be firing at the South.

The US turned to China to negotiate a solution. The Chinese failed. In my view, the Chinese would not be terribly upset to see the US dragged into a war that would weaken Washington if it lost and would cause massive casualties on all sides if it won. Leaving that question aside, the North Koreans felt they had to have nuclear weapons to deter American steps to destabilize Pyongyang. But the risk of an American attack, however difficult, had to have made them very nervous—even if they were going to go for broke in developing a nuclear capability.

But they didn’t seem very nervous. They seemed to be acting as if they had no fear of a war breaking out. It wasn’t just the many photos of Kim Jong-un smiling that gave this impression.

It was that the North Koreans moved forward with their program regardless of American and possible Chinese pressure. A couple of weeks ago, the reason for their confidence became evident.

The US and South Korea at Odds

US President Donald Trump tweeted a message to the South Koreans accusing them of appeasement.

In response, the South Koreans released a statement saying South Korea’s top interest was to ensure that it would never experience the devastation it endured during the Korean War.

From South Korea’s perspective, artillery fire exchanges that might hit Seoul had to be avoided. Given the choice between a major war to end the North’s nuclear program and accepting a North Korea armed with nuclear weapons, South Korea would choose the latter.

With that policy made public, and Trump’s criticism of it on the table, the entire game changed its form.

The situation had been viewed as a two-player game, with North Korea rushing to build a deterrent and the US looking for the right moment to attack. But it was actually a three-player game in which South Korea played a pivotal role.

The US could have attacked the North without South Korea’s agreement, but it would have been vastly more difficult. The US has a large number of fighter jets and about 40,000 troops based in the South.

South Korean airspace would be needed as well. If Seoul refused to cooperate, the US would be facing two hostile powers and would possibly push the North and the South together.

Washington would be blamed for the inevitable casualties in Seoul. The risk of failure would pyramid.

With the South making it clear that it couldn’t accept another devastating war on the peninsula, the war option was dissolving for the United States. In this light, North Korea’s confidence is fairly legitimate.

Other Options

For the United States, a nuclear North Korea is still anathema, but war is less of an option.

One solution would be to increase the isolation of the North, but there is little that can be done to isolate Pyongyang more than it already is. Another solution would be to convince China to bring overwhelming pressure on North Korea.

But in exchange for their cooperation, the Chinese will demand massive concessions. Some will be about trade, others about the South China Sea and US forces in South Korea.

Trump will be traveling to China, likely in November, to continue negotiations. In the meantime, South Korea remains opposed to war on the peninsula, and that explains why the US is going after South Korea on steel.

We got the crisis I predicted, but the war that seemed so likely has become an enormously more complex issue… though still a possibility. If North Korea appears too immediately threatening, if China is unwilling or incapable of persuading the North, or if the United States simply decides that it cannot tolerate the risk posed by North Korea, then war is possible.

But the geometry of that war will be very different than it first appeared.

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NOW WATCH: Why you won't find a garbage can near the 9/11 memorial

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36. THE BLOCKCHAIN IN BANKING REPORT: The future of blockchain solutions and technologies03:06[−]

Why Firms Use Blockchain 2x1BII

This is a preview of a research report from BI Intelligence, Business Insider's premium research service. To learn more about BI Intelligence, click here.

Nearly every global bank is experimenting with blockchain technology as they try to unleash the cost savings and operational efficiencies it promises to deliver.

Banks are exploring the technology in a number of ways, including through partnerships with fintechs, membership in global consortia, and via the building of their own in-house solutions.

In this report, BI Intelligence outlines why and in what ways banks are exploring blockchain technology, provides details on three major banks' blockchain efforts based on in-depth interviews, and highlights other notable blockchain-based experiments underway by global banks. It also discusses the likely trends that will emerge in the technology over the next several years, and the factors that will be critical to the success of banks implementing blockchain-based solutions.

Here are some of the key takeaways from the report:

  • Most banks are exploring the use of blockchain technology in order to streamline processes and cut costs. However, they are also looking to leverage additional advantages, including increased competitiveness with fintechs, and the ability to use the technology to create new business models.
  • Banks are starting to narrow their focus, and are increasingly honing in on tangible use cases for blockchain technology that solve real problems faced by their businesses.
  • Regulators are taking an increased interest in blockchain technology, and they're working alongside major banks to develop regulatory frameworks.
  • Blockchain-based solutions will start to emerge in different areas of financial services. The most successful solutions will solve specific problems for banks and attract a large enough network to create widespread benefits.

In full, the report:

  • Outlines banks' experiments with blockchain technology.
  • Details blockchain projects at three major banks — UBS, Credit Suisse, and Banco Santander — based on in-depth interviews.
  • Discusses the likely trends that will emerge in the technology over the next several years.
  • Highlights the factors that will be critical to the success of banks implementing blockchain-based solutions.

Interested in getting the full report? Here are two ways to access it:

  1. Subscribe to an All-Access pass to BI Intelligence and gain immediate access to this report and over 100 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. >> Learn More Now
  2. Purchase & download the full report from our research store. >> Purchase & Download Now

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37. The National Weather Service's hurricane updates are getting increasingly bizarre as more and more storms hit02:43[−]

hurricane mariaNOAA/NASA Goddard Rapid Response Team

The National Weather Service issued a pair of unusually-worded updates on Monday, in apparent attempts at humor as hurricanes continue to ravage the Atlantic region.

In one of the updates, the Weather Service detailed in colorful language how Hurricane Maria demolished its radar in Cayey, Puerto Rico, last week:

"[The radar] was abused by Maria. As a result the radome divorced the tower and ran away with one dependent, the antenna. Reconciliation will hopefully be completed in 3 to 6 months," one of the updates from Monday afternoon read.

"Maria fled the scene heading northwest. She is considered armed and dangerous – do not attempt to apprehend."

The jokey update may belie the seriousness of the situation. The radar was one of Puerto Rico's critical tools for tracking storms, and as meteorologist John Morales told The Washington Post, its destruction "sends us back to the Third World."

In another update, the Weather Service poked fun at Tropical Storm Lee, whose maximum sustained winds decreased from 90 mph to 85 mph on Monday.

"Little Lee weakens a little. No threat to land," the Weather Service wrote in its update bulletin.

The moniker may be an homage to President Donald Trump, who has a history of assigning pejorative nicknames to political opponents and describing them as weak.

The lighthearted weather updates came a week after the service used unexpectedly poignant language in a warning to San Francisco-area beachgoers:

"Potential impacts: increased risk of rip currents … sneaker waves … and locally large shore break. Beachgoers may be knocked over … injured … or pulled out to sea into the cold restless ocean," the update read.

NOW WATCH: Watch Stephen Colbert bring out Sean Spicer at the Emmys to defend the crowd size

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38. Here’s the real reason why millennials aren’t buying houses02:35[−]

College GraduationFlickr / COD Newsroom

The answer shouldn’t come as a surprise: it’s because they’re still in debt from college.

A new report from the National Association of Realtors looking at student debt and housing finds that 83% of millennials who do not own a home cite student debt as the reason.

For those who do own homes, almost 30% say their student debt prevents them from selling. Among first-time home buyers, 40% still have student loans.

The median student loan debt was found to be about $41,000 and more than half of the millennials surveyed say they delayed a major life event due to their debt. The total American student debt load is over $1 trillion, while the median annual income of the report’s respondents was $38,000.

[ NAR]

NOW WATCH: 6 details you might have missed on the season 7 finale of 'Game of Thrones'

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39. Republicans' new immigration bill could derail Democrats' attempt to bring up the DREAM Act02:24[−]

Supporters of the Deferred Action for Childhood Arrivals (DACA) program rally on Olivera Street in Los Angeles, California, September 5, 2017. REUTERS/ Kyle Grillot Thomson Reuters

WASHINGTON — A group of Republican senators unveiled a long-awaited legislative fix to assess the recipients of the Deferred Action for Childhood Arrivals (DACA) program, just as Democrats are preparing an attempt to force a vote on the DREAM Act.

Sens. Thom Tillis of North Carolina, James Lankford of Oklahoma, and original DREAM Act co-author Orrin Hatch introduced the SUCCEED Act on Monday, which includes a pathway to citizenship on the condition that "merit-based" rules are followed.

The bill would require DACA recipients who arrived in the US under age 16 and before June 15, 2012 to adhere to a number of eligibility requirements for conditional status, including:

  • Passing a criminal background check
  • Paying off tax liabilities
  • Submitting biometric data to the Department of Homeland Security
  • And signing a waiver that would revoke certain benefits if they violate status terms

While the bill is absent any additional border-security provisions like the White House has demanded, Tillis said it is not "standalone" legislation and would likely be paired with border security.

The bill also includes a pathway to naturalization more than 15 years after it would come into effect and all the criteria is followed. Tillis shrugged off the notion their pathway to citizenship qualified as amnesty.

"This is a path that admittedly at some point allows someone to go through the naturalization process," Tillis said. "But we think that it’s a balanced resolution to a vexing problem that hasn’t been solved for 30 years and we’ll have to take the hits. We’ll take the hits on the far left saying ‘you’re not getting them to citizenship soon enough’ and you’ll take it on the far right for saying you’re ever giving them an opportunity to pursue citizenship after they’ve done all that’s required of them to continue to have the protected status that’s in this bill."

And despite the pathway to citizenship and absence of border-security provisions, Lankford said President Trump during private conversations was on board with many of the bill’s finer details.

"The president was very outspoken when I walked him through the details of it," Lankford said. "He said that’s exactly the kind of solution that I think would work and would be a good option to be able to accomplish."

But key Democrats are already dismissing the bill. Senate Minority Whip Dick Durbin said in a statement that the SUCCEED Act would "fall short."

"In contrast to the bipartisan Dream Act, their bill excludes tens of thousands of Dreamers who came to the United States as children, have lived here for decades, and have clean criminal records, based solely on arbitrary date cutoffs," Durbin said.

And Monday evening, House Democrats introduced a discharge petition to bring the DREAM Act to the floor.

A discharge petition, if supported by at least 218 members of the House, forces legislation to be brought to the floor, regardless of whether the Speaker OKs it. But Democrats only control 194 seats, meaning they will have to get 24 Republicans to sign on.

House Minority Whip Steny Hoyer said that while he has not received commitments from any Republicans that they would sign the discharge petition, he is confident it would pass if brought to the floor.

But one of Tillis' major focuses on crafting the bill was ensuring it could someday make it to the president's desk for a signature, noting that the DREAM Act has been stuck in Congress for a decade.

"The DREAM Act... has failed every single time," Tillis said. "So why are people drawing hard lines around something that doesn’t look like it has the votes to get out of the Senate and if it did, probably not out of the House?"

NOW WATCH: Why you won't find a garbage can near the 9/11 memorial

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40. Twitter just explained why it won't block Trump for tweets that North Korea considers a declaration of war (TWTR)02:19[−]

Trump kim jong unAhn Young-joon/AP

Donald Trump's tweets have long raised questions about whether they violate Twitter's rules prohibiting abusive behavior on the service.

On Monday, after a Trump tweet threatened that North Korea might not "be around much longer," Twitter was forced to explain why the President was not banned from the service.

In a six-part tweet from Twitter's public policy account, the company said that Twitter takes "newsworthiness" and "public interest" into account when determining whether a user has violated its rules.

Those considerations have long been used internally when deciding the fate of a problematic user, Twitter said. The company said it plans to update its public-facing policy soon to better reflect some of those other internal factors.

"We need to do better on this and will," Twitter said.

Trump's tweet came at time of heightened tensions between the US and North Korea, following several North Korean missile launches and nuclear tests that have drawn sharp criticism from the international community. On Friday a North Korean official said the country might test a hydrogen bomb over the Pacific Ocean.

Trump and North Korean government have been engaged in a war of words, with North Korea's foreign minister calling Trump "mentally deranged" and Trump referring to North Korean leader Kim Jong Un as "Rocket Man."

After Trump's tweet on Saturday, North Korea's foreign minister told reporters that the country considers Trump's tweet to be a declaration of war, and that his country can thus legally shoot down US military planes, according to NPR.

Special Trump rules?

The episode has put Twitter in a difficult position, leading many observers to question how the company's policies against threats and abuse squared with tweets by Trump that some believe risk provoking a nuclear conflict.

Under its existing policy, Twitter reserves the right to remove content and disable accounts that post violent threats or harassment.

The company has left up Trump's tweet about North Korea because of its "newsworthiness" and "public interest value" — two factors which are taken into account for all content considered otherwise in violation of the company's content policy.

That explanation struck some critics as tantamount to Twitter admitting that the usual rules don't apply to Trump.

Twitter insisted it was not being inconsistent in its rules. And the company promised to update its public-facing policy to give users a better understanding of its process.

President Trump's tweets have long posed a challenge for Twitter's terms of use policies. Throughout the 2016 presidential election and his presidency, Trump has used the platform to call out individuals and corporations that he opposes, often times using derogatory terms, as well as to introduce new items of public policy.

Read the full response from Twitter's pubic policy group here:

NOW WATCH: Apple announced an iPhone 8 and iPhone X — here are the most important differences

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41. Velcro wants you to stop using the term 'Velcro' incorrectly — a catchy music video explains why02:07[−]

velcro videoVELCRO Brand/YouTube

The legal team at Velcro is, according to a new tongue-in-cheek video, fed up with people misusing the brand's name to refer to shoes and wallets that use generic fastening technology.

They are not "velcro shoes" or "velcro wallets," the company insists, but shoes and wallets with hook-and-loop fasteners.

To drive the point home, the company today released a music video of (apparent) Velcro employees taking turns, in rhapsodic verse, decrying the ways people incorrectly use the brand in everyday life.

"We're a company that's so successful, that everywhere you go you see this hairy, scratchy fastener and you say, 'Hey! That's velcro!" a male "employee" in a suit begins, before dishing the next verse to a businesswoman. "But even though we invented this stuff, our patent lapsed forty years ago. Now no matter who else makes it, you still want to call it 'velcro.'"

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The gripe seems mostly like a joke, but as the video's description contends, when people use the generic name "velcro" to refer to a non-branded version of the adhesive technology, "you diminish the importance of our brand."

Velcro would prefer people recognize that it has invented and secured patents on dozens of products, not just the stuff that replaces laces.

The distinction is akin to the one Lego makes when talking about its bricks, which most of the Lego-brick-using public simply refers to as "Legos."

NOW WATCH: Everything we know about the Apple 'iPhone X' — which should be announced today

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42. The top 5 disruptive trends in self-driving cars, delivery, transportation, and logistics (AMZN)02:06[−]

Transportation and Logistics Trends CoverBII

Technology is disrupting nearly every part of our daily lives, and the transportation space is no different.

The shift to digital is transforming the way businesses deliver and track goods, from the point of initiation to the final destination.

Last-mile delivery, self-driving cars and trucks, delivery drone and robots, and artificial intelligence applications in logistics are all poised to change how companies send goods, how customers receive packages, and how the population gets from Point A to Point B.

BI Intelligence, Business Insider's premium research service, has highlighted five of the most important trends that we predict will drive major shifts in the transportation and logistics landscape in the next five years. These trends are based on ongoing research that includes forecasts, data tracking, and interviews with industry executives.

Some of these trends include:

  • The impact of Amazon's acquisition of Whole Foods
  • How Congress will affect self-driving car adoption
  • The effect of artificial intelligence on delivery
  • And much more.

This cutting-edge list can be yours FREE today. As an added bonus, you will gain immediate access to the newest BI Intelligence newsletter, Transportation and Logistics.

To get your copy of this slide deck, simply click here.

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43. How climate change makes crime and insecurity worse in one of the world's most violent regions02:01[−]

FILE PHOTO: An aerial view of the houses destroyed by Irma during the visit of France's President Emmanuel Macron to the French Caribbean island of St. Martin September 12, 2017. REUTERS/Christophe Ena/Pool/File PhotoThomson Reuters

A series of high-impact hurricanes in the Caribbean and earthquakes in Mexico have caused serious devastation, serving as a stark reminder of the impacts that climate change and sudden natural disasters can have on organized crime and security.

InSight Crime dove deeper into the relationship between climate and crime in an interview with Oliver Leighton Barrett, a retired Navy lieutenant who has worked with the Pentagon on efforts to assess the security implications of climate change in Latin America and the Caribbean.*

InSight Crime: How can sudden and extreme natural events — such as the hurricanes that have recently swept through the Caribbean or the earthquakes in Mexico — affect crime and security?

Oliver Leighton Barrett: In post-disaster situations there is often a breakdown in governance and institutions, even if only temporarily. This means the bad guys are going to have room to play. There will be a vacuum that they can exploit. When security forces are concentrated on disaster response and rescue efforts, they don't have time to focus on the criminal element, whether that be opportunists or organized crime groups.

hurricane irma st martinGerben Van Es/Dutch Defense Ministry via AP

A very recent example of this came in the wake of Hurricane Irma. Saint Martin, a small island state that's divided into two with a Dutch and a French side, was decimated by the storm. When the winds subsided, looters started robbing stores and homes, and there was impunity. The security forces had been ordered not to focus on the looters, but on saving lives.

That caused a lot of upset among the population because their property was being stolen. But officials had to prioritize how to use their limited security resources. And when you have a one-two punch like some countries have experienced with successive hurricanes, it is just going to take that much longer for the government to get back on its feet.

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IC: What kind of capacity do countries in Latin America and the Caribbean have to maintain security in the wake of a disaster or climate change-linked environmental degradation?

OLB: When it comes to weak or failed states, they have zero or very little resilience and are unable to bounce back from stressors. These vulnerable societies are definitely not ready for fast-moving phenomena like hurricanes and earthquakes, and they lag behind when it comes to addressing the degradation caused by climate change effects like drought and food shortages and its impacts on their societies.

When you have weak or corrupt institutions and security forces, any kind of stressor or shock to the system can cause the safety net to fail. In these situations, the organized crime element is already there and they're going to take advantage of it. If the criminal element is stronger than the security forces, if the criminal element has more money and can buy off politicians, you have a recipe for disaster.

IC: How do organized crime groups take advantage of climate-related insecurity?

hurricane mariaREUTERS/Carlos Garcia Rawlins

OLB: What's lost on a lot of people is that the effects of extreme weather events and climate-related food and water shortages present an opportunity for organized crime groups to step in where the government is unable to provide an adequate level of support.

Whereas bureaucracy makes states slow to respond, organized crime groups are often decentralized, which allows them to more quickly take advantage of a situation like a post-hurricane scenario or even a slow-moving drought scenario.

IC: In a previous interview, we discussed a case in Honduras following a devastating 2010 hurricane. In the wake of the disaster, the Cachiros crime group monopolized on the relief effort to launder an estimated $6.4 million of illegal earnings. Are there other examples of organized crime groups profiting by exploiting humanitarian and relief efforts?

OLB: One example outside of Latin America is Somalia where militias commandeered food supplies, distributed them to their in-group and earned a profit, while large swathes of the population were starved to death. These crime groups had the guns, so they ran things. It wasn't until international forces came in that the situation was stabilized and people were able to get humanitarian aid.

Soldiers of Puerto Rico's national guard distribute relief items to people, after the area was hit by Hurricane Maria in San Juan, Puerto Rico September 24, 2017. REUTERS/Alvin Baez     TPX IMAGES OF THE DAYThomson Reuters

IC: In addition to the risks related to fast-moving weather events like hurricanes, slow-moving climate change impacts are also exacerbating insecurity and fueling organized crime in countries like Venezuela and Brazil. And in Central America, prolonged droughts associated with climate change have displaced populations from rural areas to cities where crime is already concentrated. What are some of the impacts of this type of climate change-related migration on organized crime?

OLB: One danger of climate change impacts in Central America is that internal migration within countries often leads to the recruitment of young men into criminal organizations.

Farmers are leaving land that is no longer productive to go somewhere else. But what happens to young men who no longer have a productive path forward, whether it is on the farm or in the city? They are going to be ripe to be recruited into criminal organizations, whether cartels or human smuggling networks, that can pay them something and give them a sense of status and pride that they don't have starving on a farm.

IC: How can the international community help Latin America and the Caribbean to build their resilience to climate change and natural disasters?

OLB: The best way that the US government and the international community can help weak states to mitigate these problems and become more resilient is by advising and assisting governments to strengthen their institutions and address corruption. The United States is already working on these issues, but the resources provided to these initiatives could perhaps be more robust.

IC: What can countries in Latin America and the Caribbean do to mitigate the impacts of climate change and sudden disasters given resource constraints and existing security struggles?

Hurricane Irma Virgin IslandsAP Photo/Ricardo Arduengo

OLB: The first thing governments need to do is take climate change seriously. There are changes, whatever causes you attribute them to, and states need to build more resiliency to both fast-moving events and the slow-moving impacts of climate change.

Just from an economic standpoint, countries should be trying to get ahead of climate change impacts, particularly sea level rise. A lot of states in Latin America and the Caribbean rely heavily on tourism, particularly tied to beaches and cruise lines. When you don't have any more beaches due to beach erosion, the coral reefs are gone due to rising water temperatures and no one wants to swim there anymore, it really impacts your bottom line.

Countries should also be having conversations about how to reinforce infrastructure and enforce building codes that could prevent, for example, deaths caused by mudslides or the recent total power outage in Puerto Rico caused by Hurricane Irma.

Many Caribbean countries are beginning to discuss how to prepare for these events, but the resources are missing.

* This interview has been edited for clarity and length.

NOW WATCH: Most hurricanes that hit the US come from the same exact spot in the world

44. Russian-linked Facebook ads reportedly aimed 'to sow chaos' between racial and religious groups01:57[−]

Vladimir PutinAdam Berry/Getty Images

Russian operatives worked to capitalize on racial and religious tensions leading up to the US election by purchasing Facebook ads aimed at appealing to one group and inciting another, The Washington Post reported on Monday.

The Post, citing over 3,000 ads that Facebook is planning to turn over to congressional investigators, found that some ads promoted groups like Black Lives Matter while others demonized those groups and painted them as a rising threat to American society.

Operatives also reportedly bought ads that focused on heating up religious divides by, for instance, indicating that Muslim women leaned towards supporting Democratic nominee Hillary Clinton as opposed to Donald Trump.

"Their aim was to sow chaos," Sen. Mark R. Warner, the ranking member on the Senate Intelligence Committee, told The Post. "In many cases, it was more about voter suppression rather than increasing turnout."

The US intelligence community concluded earlier this year that Russia launched an elaborate and multi-pronged campaign to interfere in last year's election. One part of the effort involved using websites like Facebook and Twitter to create automated accounts and spread fake news and pro-Trump agitprop.

The Post's report sheds new light on that effort and on Russia's extensive use of the social-media platform as part of its disinformation campaign, and congressional investigators are reportedly "troubled" by Russia's "sophisticated" understanding of the nuances of American political discourse.

Facebook reportedly discovered traces of Russian activity on its site last June. Cybersecurity experts at the company found that the Russian hacking group Fancy Bear was setting up several "shadowy accounts" on Facebook to amplify the reach of the hacked DNC emails, according to The Post. The US intelligence community has said Fancy Bear is an extension of the GRU, which is Russia's military intelligence arm.

Facebook reportedly contacted the FBI at the time, but determined upon examining the accounts further that they were financially motivated and did not seem linked to a foreign government.

Facebook recently came under the microscope after it emerged that fake accounts linked to Russian entities used the platform to spread disinformation and bought $100,000 worth of divisive political ads leading up to the election.

The company still does not know the extent of Russia's ad purchases or whether these unidentified ad buys are still on the site. Facebook has since confirmed that Russia-linked groups went further than buying ads and posting memes — they tried to organize anti-immigrant, anti-Clinton rallies in Texas and Idaho.

Zuckerberg said in a statement on Thursday that the company was examining how the presidential campaigns used its tools to promote ads or other content during the election.

In doing so, Facebook will look not only into "foreign actors, including additional Russian groups and other former Soviet states," Zuckerberg said, but also "organizations like the campaigns" to further its "understanding of how they used our tools."

NOW WATCH: How Dwayne 'The Rock' Johnson could make a real run as president — according to someone who's known him since 1999

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45. MAPPED: Craft beer is booming in these US cities01:44[−]

The craft beer industry in the United States has been a bright spot of the economy for nearly a decade.

With an economic impact of $23.5 billion and the number of operating breweries in the U.S. totaling well over 5,000 today, the industry is clearly past the point of being a millennial fad. There are more choices available than ever before, and this appears to signal a broader shift in consumer preference.

Below is a look at both historical and recent craft beer industry numbers:

visual 1Visual Capitalist

Mapping craft beer hubs

The craft beer boom is a nation-wide trend, but there are certain cities that have an outsize influence on the industry both in volume and reputation. Recently, The Pudding’s Russell Goldenberg looked to answer the question: which city is the microbrew capital of the U.S.?

Goldenberg looks at both quality of beer (based on user ratings), as well as the quantity of nearby breweries as criteria. Below are the Top 10 cities based on equal weights for both categories, with an end result that may be unexpected for some.

visual 2Visual Capitalist

Extremely high user ratings helped power mid-sized cities like Santa Rosa and Anchorage up the rankings. The offerings in these places, such as Russian River Brewing and Midnight Sun Brewing Company, are among the top rated brewers in the country, setting a high bar for quality.

However, in terms of the pure quantity of breweries, cities like Denver, Portland, and San Diego can’t be beat. The Denver “Beer Triangle” has over 72 breweries alone, while Portland is a regular destination for beer lovers from all over the continent.

New breweries per capita

Looking at the state level, per capita data paints an interesting picture of where craft beer hot spots are beginning to emerge:

visual 3Visual Capitalist

Browse the full list here.

Most notably, Vermont is wild about craft beer, though their industry is more uniformly spread throughout the state (as opposed to clustered in a single city). A recent count shows 68 active breweries in a state with just 625,000 in population – a very impressive beer-to-drinker ratio.

Bubble brewing?

Will the craft beer boom continue, or is there already too much froth in some cities?

Currently, 75% of Americans live within 10 miles of a brewery, but there are still plenty of population centers that could support a local brewery. Savvy marketing, unique offerings, and millennial preferences for local products may continue to push the craft brew trend into new parts of the country, so this will be an interesting list to revisit in a few years.

NOW WATCH: Why you won't find a garbage can near the 9/11 memorial

46. Brazil is more worried about fake news than any other country01:40[−]

The term "fake news" entered the global lexicon during the 2016 U.S. presidential election. Government officials and big tech companies are now scrambling to combat the proliferation of false or misleading news articles, but as we can see in this chart from Statista, a high level of fear remains in many countries.

It's no surprise that Brazilians are concerned about fake news. According to a 2016 report from BBC Brazil, during the week leading up to the controversial impeachment of former Brazilian President Dilma Rousseff, three of the five most shared news stories on Facebook were false. While it's unfortunately late for Brazil and other countries that may have already been affected by fake news, Mark Zuckerberg and Facebook have since acknowledged the problem and have pledged to do what they can stop it.

Germany was labeled as a target for fake news in the run up to the country's recent elections, but seems to not have been affected. And Germans are the least worried about it. A 2017 study from Oxford University found that although fake news was being spread through Twitter 'bots' Germans were much more likely to share credible news stories than people in the U.S. and U.K.

Chart of the Day 9/25Mike Nudelman/Business Insider

NOW WATCH: 'You are fake news': Watch Trump attack a news reporter during his first press conference as president-elect

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47. Susan Collins opposes Graham-Cassidy healthcare bill, dooming the Republican Obamacare repeal01:36[−]

susan collins donald trump lisa murkowskiSen. Susan Collins of Maine announced Monday that she will vote "no" on the latest Republican healthcare bill, all but surely ending the latest effort to repeal and replace Obamacare.

Collins joins Sens. John McCain and Rand Paul in opposition, and since two GOP members could oppose the bill for it to pass, the bill is likely dead. The Maine senator also opposed the previous iterations of the Republican healthcare bills, helping to end that push in July.

"Sweeping reforms to our health care system and to Medicaid can’t be done well in a compressed time frame, especially when the actual bill is a moving target," said a statement from Collins. "Today, we find out that there is now a fourth version of the Graham-Cassidy proposal, which is as deeply flawed as the previous iterations."

Collins pointed to three primary issues with the bill that caused her to oppose it:

  1. Cuts to Medicaid, estimated at roughly $1 trillion from 2020 to 2036, by shifting to a block grant system: "This would have a devastating impact to a program that has been on the books for 50 years and provides health care to our most vulnerable citizens, including disabled children and low-income seniors," Collins said.
  2. Weakened protections for people with pre-existing conditions: "Some states could allow higher premiums for individuals with pre-existing conditions, potentially making their insurance unaffordable."
  3. Health insurance coverage losses: "Third, physicians, patient advocates, insurers, and hospitals agree that both versions of this legislation would lead to higher premiums and reduced coverage for tens of millions of Americans," said the statement.

Collins also said that despite the recent change by the authors of the Graham-Cassidy bill to include more money for her state in their formula for the new block grants, the overall cut was still too great for her to stomach. Additionally, Collins took issue with the seat-of-the-pants changes to the formula that lead to her state gaining more money.

"But even more important, if Senators can adjust a funding formula over a weekend to help a single state, they could just as easily adjust that formula in the future to hurt that state," Collins wrote. "This is simply not the way that we should be approaching an important and complex issue that must be handled thoughtfully and fairly for all Americans."

This is likely the last time in quite a while that Republicans will be able to advance any sort of large Obamacare repeal measure, since the deadline to use budget reconciliation — which allows a simple majority vote and no filibuster — runs out September 30.

Sen. Bill Cassidy, one of the authors of the new proposal, was frank about the prospects for the bill if Collins was not on board during an appearance with CNN's Wolf Blitzer just hours before the announcement.

"If you lose Susan Collins, it's over right?" asked Blitzer.

"Yes, yes it is," Cassidy replied.

NOW WATCH: Why you won't find a garbage can near the 9/11 memorial

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48. Steelers lineman and Army veteran who stood by himself for the anthem explains how the incident happened, apologizes for 'ordeal'01:33[−]

alejandro villanueva 2Keith Srakocic/AP

Pittsburgh Steelers offensive tackle Alejandro Villanueva gained notoriety on Sunday when he stood by himself for the national anthem while the rest of the team waited in the locker room tunnel.

Villanueva, an Army veteran who served three terms in Afghanistan, became something of the face of people opposed to anthem protests and was the best-selling NFL jersey by Monday.

However, the incident seemed to confuse some teammates, who believed the team had all agreed to stand in the tunnel together. Head coach Mike Tomlin had said he wanted the team to have 100% participation with whatever they chose to do.

On Monday, Villanueva apologized for the incident and explained what happened.

Villanueva told reporters that he had asked quarterback Ben Roethlisberger to be at the front of the group in the tunnel so he could see the flag, an important symbol for him, even if he was okay with the Steelers' decision to stand in the tunnel. However, Villanueva apparently walked too far out of the tunnel. And in the confusion of the Chicago Bears' stadium, he found himself outside of the tunnel when the anthem began playing, so he decided to stand and wait.

"Unfortunately, I threw my teammates under the bus, unintentionally," Villanueva said. "Every single time I see that picture of me standing by myself I feel embarrassed to a degree because unintentionally I left my teammates behind."

Villanueva continued, saying: "I made coach Tomlin look bad, and that is my fault and my fault only. I made my teammates look bad, and that is my fault."

Villanueva said he would support any teammates who decided to sit or kneel during the national anthem and that other players who have knelt during the anthem have thanked him for his service. Villanueva said the team "butchered" their attempt at, as he said, staying away from the situation.

Villanueva still believes in standing for the anthem, but also said he understands that players are kneeling due to social injustices, not out of criticism toward the military or disrespect for the flag. He also said he did not want to comment on US President Donald Trump's criticisms of the NFL and those who protest the anthem.

On Monday, Roethlisberger put out a statement saying that he wished the Steelers handled the anthem differently and wants the team to show solidarity going forward. He said "there was no division" within the team.

NOW WATCH: Watch LeBron James defend calling Trump a bum on Twitter

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49. Australians are voting on same-sex marriage — and it's starting to get ugly01:16[−]

GettyImages 845144922Lisa Maree Williams/Getty Images

Australian Prime Minister Malcolm Turnbull has stuck to his campaign promise to put same-sex marriage to a vote.

Australians have until November 7 to complete a mail-in survey on whether or not the 1961 Marriage Act should be amended to include same-sex couples.

The ballot has a single question: "Should the law be changed to allow same-sex couples to marry?" with the options "Yes" or "No".

As people are getting their ballots in the mail, the Australian public has become divided, and things have started to turn ugly.

Over the weekend, both the "No" and "Yes" campaigns ramped up across the country, holding rallies, knocking on doors, and sending text messages to gain supporters.

Thousands participated in the annual Pride Rally in Brisbane, and were met by a small group of protesters who chanted "repent for your sins."

Former Prime Minister Tony Abbott, a vocal opponent of same-sex marriage, was head-butted in Tasmania last week by a man who was wearing a "Vote yes" button.

"There's not much love coming from the 'yes' quarters towards people who have the temerity to disagree," Abbott said after the incident, according to The New York Times.

The man later told The Guardian it had nothing to do with same-sex marriage, just his extreme hatred of Abbott.

Many Australians shared their opinions on social media when a plane wrote "Vote no" across the sky in Sydney Harbor last week:

The skywriting was organized through a GoFundMe account that raised more than its $4,000 goal. Like Abbott, the organizer Katrina Bailey said she feels people who support voting "no" are being silenced by Australians who support marriage equality and by the Australian media.

"It's time for traditional Australians to take a stand!" the introduction of her GoFundMe campaign reads. "We have been bullied into silence, condemned for our views and ignored and vilified by the media. Enough is enough! It's time we all sent a clear message that we will not put up with our way of life being deconstructed any further!"

Turnbull announced he will be voting 'yes' in a speech in Sydney on September 10.

"I will be encouraging other Australians to vote yes, and if they do — if a majority votes yes — then we will ensure a Private Members Bill is presented to the parliament, which will legalize same sex marriage," he said, "and our expectation is that should be accomplished by the end of the year. It will sail through the parliament."

GettyImages 846674072CamerSpencer/Getty Images

Many Australians have posted photos of their completed forms on social media. This has sparked heated debate between friends and family — and there is still a month and a half to go.

The Australian Bureau of Statistics will post the results on its website November 15. If there is a majority who support same-sex marriage, then parliament will vote on it.

A Newspoll released by The Australian newspaper on September 25 found 57% of voters supported voting "yes" in support of changing the law to allow same-sex marriage, 37% supported voting "no", and 9% were undecided.

NOW WATCH: The story of a North Korean amputee's 6,000-mile escape on crutches

50. Congress can do its favorite thing on healthcare: Nothing01:15[−]

lindsey grahamChip Somodevilla/Getty Images

A lot of conversations about Obamacare start from the premise that Congress has to do something.

They must repeal Obamacare, or partially repeal it — and if they don't do that, there will have to be a bipartisan bill to stabilize dysfunctional insurance markets. Or Republicans warn that if they don't repeal, we will somehow end up, via some underpants-gnomes process, with single payer.

But as new legislation to repeal the law heads toward apparent defeat, all of this glosses over the most likely option: That Congress will do nothing.

Not only is doing nothing a viable option here, it's a very likely option. And the viability of doing nothing is a reason that sufficient numbers of Republicans have blocked prior efforts to do something.

The conversation around healthcare reminds me of the conversation a few years ago over the Budget Control Act of 2011. You may remember this law: It created a bipartisan " supercommittee" that was supposed to draw up a bipartisan approach to deficit reduction, which Congress would then pass. And the supercommittee and Congress would Have To Do Something, because if they didn't do anything, Unthinkable And Horrible Sequestration would be imposed.

As you likely recall, the supercommittee was unable to agree on anything, so Congress did not pass a thoughtful deficit reduction package. And sequestration — a formula for significant, across-the-board budget cuts to government departments — was imposed.

This happened because sequestration, though widely considered undesirable, was not in fact too unthinkable to countenance. Too many lawmakers found each of the Do Something options to be too unappealing to back it in lieu of sequestration, and so sequestration happened.

Similarly, while Obamacare has its troubles — and while the uncertainty intentionally created by the Trump administration is creating additional problems in health insurance markets — the system is not so dysfunctional that it cannot be left as it is.

trumpcare trump ryan health care ahcaREUTERS/Carlos Barria

Most Americans continue to able to get most of the healthcare they need, when they need it. Healthcare providers mostly continue to get paid when they perform services. Things are working — sort of.

We have lived with a certain degree of healthcare dysfunction for a long time. Before Obamacare, many states had seriously dysfunctional non-group health insurance markets — in some, it was nearly impossible for people with pre-existing conditions to get coverage, and in others, premiums became prohibitively expensive for healthy people.

These situations were bad. But because fixing the problems involved expensive and/or unpopular moves, and because only 7% of Americans even get their health coverage in the non-group market, lawmakers let these markets stay dysfunctional for a long time.

Today we have an advantage we didn't have then: Federal subsidies under Obamacare effectively cap the amount most Americans who might be interested in buying a non-group health insurance policy can be charged. Even if Trump's sabotage causes premiums to rise, that rise will be covered dollar-for-dollar by increased federal subsidies, for most buyers with incomes below 400% of the federal poverty line, which is $98,400 for a family of four.

If Congress does nothing, this protection will persist. That means most consumers don't have to care about changes in premiums, and it means insurers will continue to have customers even if they have to raise premiums a lot.

(L-R) U.S. Senators Bill Cassidy, MD (R-LA); Senators Lindsey Graham (R-SC), Dean Heller (R-NV), Ron Johnson (R-WI) and former Senator Rick Santorum hold a joint news conference on Thomson Reuters

And now, as before Obamacare, the most common ways Americans get health insurance — employer-sponsored insurance, Medicare, and Medicaid — aren't much affected by what dysfunction exists in the habitually dysfunctional non-group market.

Nearly everyone has an incentive to act like repeal is a live possibility. Republicans want to demonstrate to their voters and donors that they really, really tried to repeal Obamacare. Republican leaders want to act like the vote count is close so they can press reluctant senators to get in line or be the one who was seen as killing repeal. Democrats need to create a sense of urgency so that activists will call and protest and demand that Republicans not repeal Obamacare.

But I do not see a story that makes sense about why the new bill would pass — before September 30, or in the next fiscal year that starts on October 1. Because of Senate budget rules, trying to pass healthcare repeal after October 1 will in practice require tying it together with tax reform, a strategy that is more likely to tank both initiatives than allow both to pass.

Rand PaulAPAs far as I can tell, there are two main political differences between the Graham-Cassidy bill and the "skinny repeal" bill that got only 49 votes in July.

  • Sen. Rand Paul says he is strongly opposed to this bill, even though he voted for that one.
  • Graham-Cassidy would actually be implemented if passed, while senators were able to convince themselves that skinny repeal would later be amended to be more to their tastes if they voted for it in July.

You will notice those two differences are both ones that make this bill harder to pass than the last bill, which did not pass.

Some senators have discussed the possibility that bipartisan talks about fixing healthcare markets, led by Republican Sen. Lamar Alexander and Democratic Sen. Patty Murray, can be reopened if and when the Graham-Cassidy push fails.

They could draw up a proposal that would provide funding to stabilize states' insurance markets, provide certainty about legally contested "cost-sharing" payments currently being made to insurers under Obamacare, and provide easier opportunities for states to waive federal rules and restructure their insurance markets, within certain guidelines. In theory, this idea contains something for Democrats and something for Republicans.

But Republicans will be loath to back legislation that not only constitutes an admission that Obamacare is here to stay but agrees to spend more money on it. And Democrats will be suspicious that more flexible state waivers will let Trump's department of Health and Human Services conspire with Republican-run states to undermine the protections of the Affordable Care Act.

Maybe Alexander and Murray will find a way to navigate those concerns and sell a compromise to both houses of Congress. But while that would be a good thing to do, it's not something that Must Be Done, which is why I suspect it will not be done.

It is more likely that Congress will do what it's best at: Nothing.

NOW WATCH: An Alabama high school 'resegregated' after years of being a model of integration — here's what happened after

51. MeUndies, a wildly popular LA underwear startup, is expanding into socks — and they're really comfortable01:05[−]

The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships, so we get a share of the revenue from your purchase.

Screen Shot 2017 09 25 at 3.26.48 PMAlong with underwear, socks are one of the most important parts of everyone's wardrobe.

Chances are you wear both underwear and socks every day, so you can never really have too many pairs — unless you like doing laundry.

Going to the store to stock up might sound like the easiest way to keep a full drawer of underwear that are in good condition, but it's not.

Founded in 2011, Los Angeles-based startup MeUndies looked to change the way people buy underwear by making it fun and easy with cool patterns (you can even get matching pairs for your partner) and subscription box services.

Now, the company that made millions of people feel good with just underwear, is expanding into socks.

Just like the underwear, MeUndies socks are available in classic and adventurous styles. For $8 a month, you'll receive a fun new pair of socks in the mail, and if you decide to skip a month or cancel, there are no additional fees. Subscribers will get to choose between four style, the Supima Crew Sock, ProModal Crew Sock, Supima No Show Sock, and ProModal No Show Sock.

MeUndies sent over a few pairs of their new socks for me to try out, and they're some of the best socks I've ever worn.

Many other members of the Insiders Picks team have tried underwear and apparel from MeUndies, so when the company announced that it would be selling socks, they were very happy. Based off of their reactions, I was excited to give the socks a try, too.

My first impression upon receiving the socks was that my co-workers were absolutely right about MeUndies — these socks are amazing.

There are plenty of brands that market cool, crazy, and fun socks, but what separates MeUndies from the pack is how they feel. First and foremost, socks should be comfortable, and MeUndies exceeded all of my expectations.

Using an soft blend of Modal and Lyocell, the ProModal socks are the perfect balance between lightweight and good cushioning.

While the ProModals feel great on my feet, the Supima versions are my absolute favorite. Using long staple Supima cotton, they're a bit thicker and feel like pillows. Unlike thick boot socks, the Supima socks are ultra soft and provide a lot of cushioning. If your shoes have unforgiving insoles, I'm convinced that these can help your keep your feet comfortable during the day.

Whether you choose to sign up for a subscription or want to buy a single pair, you really can't go wrong with a pair of socks from MeUndies.

Shop all socks for men and women at MeUndies now.

Check out the variations, below:

Supima Cotton Crew Socks


MeUndies Supima Cotton Crew Socks, $12

ProModal Crew Socks


MeUndies ProModal Crew Socks, $12 (or $10.67 when you buy 3 pairs)

Supima Cotton No Show Socks


MeUndies Supima Cotton No Show Socks, $12

See the rest of the story at Business Insider

52. CHATBOTS EXPLAINED: Why businesses should be paying attention to the chatbot revolution (FB, AAPL, GOOG)01:05[−]

bii chatbot ecosystembi intelligence

This is a preview of a research report from BI Intelligence, Business Insider's premium research service. To learn more about BI Intelligence, click here.

Advancements in artificial intelligence, coupled with the proliferation of messaging apps, are fueling the development of chatbots — software programs that use messaging as the interface through which to carry out any number of tasks, from scheduling a meeting, to reporting weather, to helping users buy a pair of shoes.

Foreseeing immense potential, businesses are starting to invest heavily in the burgeoning bot economy. A number of brands and publishers have already deployed bots on messaging and collaboration channels, including HP, 1-800-Flowers, and CNN. While the bot revolution is still in the early phase, many believe 2016 will be the year these conversational interactions take off.

In a new report from BI Intelligence, we explore the growing and disruptive bot landscape by investigating what bots are, how businesses are leveraging them, and where they will have the biggest impact. We outline the burgeoning bot ecosystem by segment, look at companies that offer bot-enabling technology, distribution channels, and some of the key third-party bots already on offer.

The report also forecasts the potential annual savings that businesses could realize if chatbots replace some of their customer service and sales reps. Finally, we compare the potential of chatbot monetization on a platform like Facebook Messenger against the iOS App Store and Google Play store.

Here are some of the key takeaways:

  • AI has reached a stage in which chatbots can have increasingly engaging and human conversations, allowing businesses to leverage the inexpensive and wide-reaching technology to engage with more consumers.
  • Chatbots are particularly well suited for mobile — perhaps more so than apps. Messaging is at the heart of the mobile experience, as the rapid adoption of chat apps demonstrates.
  • The chatbot ecosystem is already robust, encompassing many different third-party chat bots, native bots, distribution channels, and enabling technology companies.
  • Chatbots could be lucrative for messaging apps and the developers who build bots for these platforms, similar to how app stores have developed into moneymaking ecosystems.

In full, the report:

  • Breaks down the pros and cons of chatbots.
  • Explains the different ways businesses can access, utilize, and distribute content via chatbots.
  • Forecasts the potential impact chatbots could have for businesses.
  • Looks at the potential barriers that could limit the growth, adoption, and use of chatbots.
  • And much more.

Interested in getting the full report? Here are several ways to access it:

  1. Subscribe to an All-Access pass to BI Intelligence and gain immediate access to this report and over 100 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. >> Learn More Now
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53. Microsoft CEO Satya Nadella says he voted against Steve Ballmer's $7.6 billion Nokia mistake (MSFT)01:04[−]

nadella ballmer gatesWhen Microsoft's then CEO Steve Ballmer proposed buying Nokia to shore up the company's foundering mobile phone division, Satya Nadella thought it would be a mistake.

Four years later, he hasn't changed his mind.

In his new book, "Hit Refresh," Nadella, who replaced Ballmer as Microsoft CEO, says he unsuccessfully tried to dissuade his predecessor from purchasing Nokia.

According to the book, Ballmer held an informal poll among his most senior executives: Should he move ahead with an acquisition of Nokia? Ballmer made the case that without Nokia, Microsoft's struggling Windows Phone operating system and ecosystem would never be able to compete with Apple's iPhone and Google's Android, which were dominating even then.

Nadella, who was then the top executive in charge of Microsoft's cloud business and a member of Ballmer's inner council, voted "no."

"[It] was too late to regain the ground we had lost. We were chasing our competitors’ taillights," Nadella writes in his book.

Nadella's "no" vote was first reported by Bloomberg back in 2014, not long after he assumed the role of chief executive, but he's never before publicly acknowledged it. Other Microsoft executives joined Nadella in opposing the deal, according to the report, while Microsoft founder Bill Gates advised Ballmer against it.

Ultimately, Ballmer got his way. Microsoft purchased Nokia in 2013 for $7.9 billion. But just as Nadella worried, the deal turned out to be a big mistake. The company ultimately took a write-down for almost the entire purchase price and laid off thousands.

And there was another outgrowth of the deal — Ballmer's departure. Microsoft finalized the deal about a month after Ballmer said he would step down as CEO. The friction between Ballmer and Microsoft's board of directors that was generated by the Nokia acquisition is ultimately what led to his decision to resign, according to numerous reports.

microsoft panos panay windows phone lumia 950Getty Images/Andrew Burton

In early 2014, Microsoft appointed Nadella CEO. While Microsoft released one new flagship Windows phone, the Lumia 950, it wasn't long before Nadella started to unwind the company's smartphone business.

Instead of focusing on making its own phones, Microsoft, under Nadella, has concentrated on making apps and services available for Apple's iPhone and iPad and for Android devices. Microsoft should only be in mobile when it has something unique to offer, Nadella writes in his book. That could be a hint that the company is still working on its long-rumored Surface Phone.

Nadella says his biggest disappointment from the entire Nokia episode was its human cost.

"In retrospect, what I regret most is the impact these layoffs had on very talented, passionate people in our phone division," Nadella writes.

NOW WATCH: Video from 50 smartphones captures a New York City moment in a way you've never seen before

54. The CBO says the newest Republican healthcare bill would leave 'millions' more without health insurance01:03[−]

bill cassidyJonathan Bachman/Reuters

The latest attempt by Republicans in the Senate to repeal and replace the Affordable Care Act will leave "millions" of Americans without insurance, the Congressional Budget Office said. The nonpartisan agency stopped short of putting a more specific number on its assessment, as it has in the past, saying it needs more time to do that. The score for the plan, known as the Graham-Cassidy bill, is limited in scope due to the short timeframe in which the CBO had to produce it and only includes the budgetary effects of the bill.

The office projected that the Graham-Cassidy bill would reduce the federal deficit through 2026 by more than the $133 billion in savings from the House's American Health Care Act. That ruling allows Republicans to bypass a Democratic filibuster.

The bill is required to save as much or more than the House bill to qualify under the procedure known as budget reconciliation, which allows Republicans to pass it with a simple majority.

Monday's CBO score provided only a vague assessment of the insurance coverage impacts of the bill.

"The number of people with comprehensive health insurance that covers high-cost medical events would be reduced by millions compared with the baseline projections for each year during the decade, CBO and JCT estimate," said the CBO's report. "That number could vary widely depending on how states implemented the legislation, although the direction of the effect is clear."

Additionally, contrary to the asserstions by the bill's authors, the CBO found that protections for people with pre-existing conditions would be weakened by the new bill.

"Nevertheless, with the modifications, coverage for people with preexisting conditions would be much more expensive in some of those states than under current law," said the report.

The CBO said it would need "at least several weeks" to produce a more comprehensive score of the bill.

18 Million

Independent analyses from by the Brookings Institution and the Commonwealth Fund estimated that the bill would result in up to 18 million more uninsured through 2019 and 21 million more uninsured through 2026 if signed into law.

Additionally, since the Graham-Cassidy bill would shift federal healthcare funding in 2020 to block grants (lump sums paid up front every year based on the number of people enrolled in certain programs), it would require states to develop and implement an entirely new health system in just two years. Such a short timeframe, experts say, could cause chaos in health insurance markets.

Due to these analyses, combined with the massive amounts of federal assistance cut in the bill, GOP leaders have not been encouraged about the legislation's prospects. Two GOP members — Rand Paul and John McCain — have formally announced their intentions to vote against the bill. Several others from across the conference have also expressed misgivings.

Only two Republican senators can vote against the bill for it to pass.

NOW WATCH: How Dwayne 'The Rock' Johnson could make a real run as president — according to someone who's known him since 1999

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55. Chaos erupted at a Senate hearing on the GOP healthcare bill as protesters were dragged out and arrested01:02[−]

Senate healthcare bill protestREUTERS/Kevin Lamarque

WASHINGTON — As the Senate Finance Committee carried out a public hearing on the economic ramifications of the latest Republican attempt to repeal and replace the Affordable Care Act, hundreds of protesters swarmed the building to express their disapproval of the Graham-Cassidy bill that is being considered.

Hundreds of Capitol Hill police officers surrounded the hearing room as demonstrators were dragged out for interrupting the hearing.

The walls outside the hearing room were lined with protesters, whom the police barricaded off from the rest of the public. The police then proceeded to remove protesters in small groups.

The protesters were shouting in unison, "No cuts to Medicaid, save our liberty," which could be heard from two floors beneath the hearing room.

Outside the Dirksen Senate Office Building, many of the protesters required powered wheelchairs, creating a backed-up line of arrested demonstrators. Capitol police have not released official arrest numbers, but 150-200 protesters were lined up outside and detained inside police tape as buses arrived to haul them off.

The line of arrested protesters outside the Dirksen Senate Office Building.Joe Perticone

The protesters came to Washington from all over the country, according to Ryan Zeiger, who was one of the organizers for the disability rights group ADAPT.

Zeiger, who traveled to Washington, DC from Denver, told Business Insider their goal was "to do civil disobedience."

"Send a signal — a strong signal — to people," he said. "And for a lot of these people, a lot of people in ADAPT, this bill really is life or death. That means regressing back to a system where someone, a quadriplegic, gets three visits a week, you know like stuck in bed for days at a time. And that's just crazy."

The Graham-Cassidy healthcare plan has received very few hearings and was pushed through the Senate on a partisan basis. The lack of regular order prompted Sen. John McCain of Arizona to publicly come out against the bill, which has the legislation's future hanging by a thread.

The Republicans' condemnations prompted the bill's authors to revise certain aspects, giving more funding to the states whose senators were on the fence about voting yes.

However, Republicans are moving forward with the bill and plan to vote before the September 30 deadline to use the reconciliation process, allowing them to bypass a filibuster with a simple majority.

The bill divides federal healthcare funding to the states using block grants — a lump sum of sorts paid up front to states — rather than the current percent match of actual spending.

It would also slice significant federal healthcare funding over the next 10 years and eliminate the Medicaid expansion introduced by Obamacare altogether after that.

The bill also would loosen, and may even weaken further, protections for Americans with preexisting conditions — an issue highlighted by late-night host Jimmy Kimmel last week.

Bob Bryan contributed to this report.

NOW WATCH: Trump once won a lawsuit against the NFL — but the result was an embarrassment

56. The 5 biggest bubbles in the market today01:01[−]

TulipsReuters/Cris Toala Olivares

Bubbles aren’t new—they’ve been around since Dutch tulips—but it’s only recently that they’ve worked their way into the average investor’s lexicon. That’s probably because bubbles happen much more frequently these days.

We never used to get a giant speculative bubble every 7–8 years. But that has been the case since the new millennia.

In 2000, we had the dot-com bubble.

In 2007, we had the housing bubble.

In 2017, we have the everything bubble.

Why do we call it the everything bubble? Well, there is a bubble in a bunch of asset classes simultaneously.

Let’s look at some of them.

Real estate

You can spot real estate bubbles all around the world now. Canada, Australia, Sweden, Hong Kong, China—and California—to name a few.

Home prices in California have risen by 69% since 2010. Meanwhile, Canadian housing has shot up 1040% over the same period.

Why do these bubbles exist? For starters, ultra-loose monetary policy (which is also the reason that the bitcoin bubble exists).

What will be the catalysts that deflate these real estate bubbles? I’m not sure, but usually there isn’t a catalyst. The marginal house price just gets too expensive.

It seems pretty nutty that another real estate bubble is forming just ten years after the last one that nearly wiped out the planet. But real estate has been part of the food fight in asset prices and it appears to be peaking.


You have probably heard about the madness in cryptocurrencies, like Bitcoin, Ethereum, and ripple. Ethereum is up about 3,600% this year. As for bitcoin, it is old and boring and up only 343% this year.

Alt-currencies are being launched left and right, in initial coin offerings (ICOs). These ICOs explode on the first day of trading, and everyone gets rich. Free money!

When people are making free money, you are pretty close to the end. These ICOs conjure memories of the IPO craze in 1999. That’s the funny thing about free money—everyone wants in.

Cryptocurrencies are a massive bubble because people are making money all out of proportion to their intelligence or work ethic, which is one of the hallmarks of a bubble.

Of course, you could just buy all these cryptocurrencies and ride the bubble. But I’m a little suspicious of buying just electrons or computer code—I like things with cash flows or that are tangible. Call me crazy.


It’s also hard to get excited about companies that are generating cash flows. I hate to pick on FAANG stocks—at least they more or less make money—but these five stocks account for too much of the market gains.

Facebook, Amazon, Apple, Netflix and Google are responsible for over 30% of the S&P 500 index gain in market capitalization in 2017.

I talked about another rationale behind these stock prices back in June.

Still, investing in FAANG stocks is a fad like the Nifty Fifty was in the 60s. We may still be talking about the Nifty Fifty today, but nobody is investing in those stocks.

FAANG stocks are hard to short, because:

1.They are gifted and talented camps—companies whose sole purpose it is to hire the smartest people and turn them loose to solve hard problems.

2. They are passively engaged in surveillance.

3. CNBC talks about one of the FAANG stocks 90% of the time.

4. It is a frenzy.

But I assure you, the FAANG stocks will turn. These companies might be changing the world, but that’s not the point. They’re overpriced.

Credit Bubble

Likewise, corporate bonds—particularly high yield, and especially European high yield—are a bubble.

Credit spreads are tighter than they have ever been, just as global central banks attempt to coordinate a tightening of monetary policy. Central banks tend to become most hawkish right as the economy is about to roll over. Aggressive tightening now could cause a financial accident.

I think corporate credit is on the edge. If you have other corporate credit in your portfolio (including sovereign emerging market credit), I suggest you eject it now.


Lastly, the indexing bubble is very important. And there is a commodity market precedent for what is going on with indexing in the stock market.

During 2006–2008, swaps on commodity indices were very popular. Commodities were seen as a new asset class, uncorrelated to everything else.

The problem was that commodities were lumped together as a singular “thing.” Yet, the fundamentals for corn and oil and copper are very different. But the fundamentals were ignored, all commodity prices rose together, and money kept plowing into the space. It didn’t make sense.

Investors believed that commodity investing had entered a new paradigm. You know what happened next. There was a global recession, flows into commodity index swaps reversed, and the price of oil and most other commodities crashed.

Everyone who thought commodity indexing was a new paradigm got carried out. I think the same thing will happen in equities. In a year or two, we’ll be taking a hard look at indexing. We’ll stop thinking of stock and bonds as an asset class, and return to thinking of individual stocks and bonds.

When equity index fund flows reverse—and they will—it will end very badly.

Get Ready

I hate being that guy who calls everything a bubble, but it's the truth. There are lots of things in the world whose prices cannot be sustained by economic fundamentals. And bubbles are often highly coordinated.

We have all the classic warning signs of a big market top:

  • Extra-tight credit
  • Extra-low volatility
  • Complacency in general
  • Retail looking smart, pros looking stupid
  • Short rates rising, curve flattening
  • Pain trade is probably lower, not higher

And yet people are mostly ignoring them.

Grab Jared Dillian’s Exclusive Special Report, Investing in the Age of the Everything Bubble

As a Wall Street veteran and former Lehman Brothers head of ETF trading, Jared Dillian has traded through two bear markets.

Now, he’s staking his reputation on a call that a downturn is coming. And soon.

In this special report, you will learn how to properly position your portfolio for the coming bloodbath. Claim your FREE copy now.

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57. Bob Costas sounds off on Trump's NFL criticisms: 'Patriotism comes in many forms'00:57[−]

Bob CostasJennifer Stewart/Getty

While President Donald Trump has continued to criticize NFL players who chose to protest the national anthem during Sunday's slate of games, NBC Sports broadcaster Bob Costas has an entirely different message.

"Patriotism comes in many forms," Costas said on CNN's "New Day" on Monday morning. "And what has happened is that it's been conflated with a kind of bumper-sticker flag waving and with the military only, so that people cannot see that in his own way, Colin Kaepernick, however imperfectly, is doing a patriotic thing, and so too are some of these other players."

National anthem demonstrations have been a topic of interest since the first time Kaepernick refused to stand during a 2016 preseason game in protest of racial inequality, but Trump's recent comments have exacerbated the controversy.

At a Friday rally in Alabama, the president said: "Wouldn't you love to see one of these NFL owners, when somebody disrespects our flag, to say, 'Get that son of a b---- off the field right now, out — he's fired!'"

Since then, many prominent figures have defended the protestors, but as a 30-year industry veteran who's called some of the biggest events in sports, Costas' words carry special weight. On "New Day," he stressed that much of the anger over the protests stems from a refusal to view the flag as a symbol of civilian life in America.

"This is no disrespect to the military — it's a huge part of the narrative — but Martin Luther King was a patriot," he said. "Susan B. Anthony was a patriot. Dissidents are patriots. Schoolteachers and social workers are patriots."

Costas cited New York Yankees home games as an example. Each game, the Yankees honor a military guest by playing "God Bless America" during the seventh-inning stretch, a practice Costas believes contributes to the perception that the American flag is emblematic of the armed forces only.

"I have no problem with that. I stand every time I'm in the ballpark, no matter what it is — I stand," Costas said. "And I certainly respect the military person they bring out there. But there's never a schoolteacher. There's never a social worker."

You can watch Costas' comments below:

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58. Walmart is exposing just how vulnerable we are to being hacked (WMT, AMZN)00:48[−]

Walmart deliveryWalmart

It’s great that Walmart is out there on the bleeding edge of technology, coming up with stuff and testing gizmos and doing things differently before it gets run over by Amazon. It’s trying to stay relevant in the era of online shopping and millennials. Stopping Amazon is a dirty job, but someone has got to do it.

But good grief – connect the lock of our home to the Internet so that Walmart can get into our fridge?

And so soon after the Equifax hack that showed just how easy it is to crack open corporate IT systems even when they contain the crown jewels of consumer data?

How easy must it be to hack the software in a mere door lock, the connection from the door lock to the server, the app that runs that thing, the communication system with Walmart…. One vulnerability in the chain, such as a missed security update on the server of some obscure middleman, and suddenly hackers can let themselves and others into our home at will.

And this: Install security cameras inside our home and connect them to the Internet so that, when the system gets hacked, everyone else can see what’s going on inside our home?

My home used to be my castle.

So here’s the idea, from Walmart’s blog. It starts out with a truth that practically everyone, particularly me who has to do much of the grocery shopping, can agree with:

There’s nothing in my fridge that I want to eat. How am I going to find time to go grocery shopping?

Shopping for groceries can be a hassle for my busy family. We need to make the time to go to the store, make sure we find everything on our list (and a few things that likely weren’t), lug them home and then put them away.

But then it gets just a little creepier…

So we asked the question: what if Walmart could help busy families like mine ensure my fridge was always well-stocked?

Creepy because suddenly Walmart is given access to our fridge to “help” us. But let’s soldier on:

What if we created a service that not only did my grocery shopping and brought everything to my home, but even went so far as to put it directly into my fridge? And, what if it was even more convenient because this “in-fridge delivery” happened while I was at work or off doing other things?

Now I’m getting the willies. Walmart is offering to do our grocery shopping, bring everything to our place, and put it in the fridge? How the heck is Walmart getting into our fridge while no one is home?

Here we go – Walmart on the bleeding edge of the Internet of Things. It’s a three-step program.

Step one: We need a keyless Internet-connected door lock for the front door of our home. The lock is controlled by an app on our smartphone. Walmart partnered with August Home, inevitably a startup in San Francisco that sells “smarter home access products and services.”

“Give keyless entry to family, friends, housekeepers and others without worrying about lost or copied keys,” it says. As a side-benefit, it can give keyless entry to hackers. “Control and monitor your door from anywhere,” it says – you, or whoever hacks into it.

August Home raised $73 million in venture funding in five rounds, including $25 million in July.

Step two: Connect the security cameras inside our home to the Internet of Things so that we can watch on our smartphone who is coming and going, and what’s going on in our kitchen, hallway, or wherever else.

Step three: The test. Walmart is partnering with August Home. The willing test subjects would place an order at Walmart’s online store for whatever, “even groceries”:

When my order is ready, a Deliv driver will retrieve my items and bring them to my home. If no one answers the doorbell, he or she will have a one-time passcode that I’ve pre-authorized which will open my home’s smart lock.

As the homeowner, I’m in control of the experience the entire time – the moment the Deliv driver rings my doorbell, I receive a smartphone notification that the delivery is occurring and, if I choose, I can watch the delivery take place in real-time [via the security cameras].

The Deliv associate will drop off my packages in my foyer and then carry my groceries to the kitchen, unload them in my fridge and leave. I’m watching the entire process from start to finish from my home security cameras through the August app. As I watch the Deliv associate exit my front door, I even receive confirmation that my door has automatically been locked.

Walmart takes care of everything.

Step four? What isn’t mentioned, this being just a test, is the next item to buy: A fridge that is connected to the Internet and that figures out what to reorder directly from Walmart, so we don’t even have to bother entering an order. But that’s for later.

Walmart gushes: “When I enter my house later that day, it’s like magic.” Everything we ordered is in the fridge, unbroken eggs, undamaged peaches, non-squished bananas, non-wilted lettuce, all beautifully stocked inside our chaotic fridge though we never put bananas in the fridge.

Think of the possibilities! Plan a romantic surprise dinner via a few moments on our smartphone while at work, and our dinner is being lined up.

So where can I sign up?

We’re excited to be running this test in Silicon Valley with a small group of August Home customers, all of whom have opted-in to participate in testing this new concept.

And it’s not just our fridge.

And we want to do more in the future by delivering groceries and other orders in whatever location works best for our customers – inside the house for some and in the fridge/freezer in the garage for others. The possibilities are endless….

But Walmart soothes our rattled nerves – I mean, not exactly:

What might seem novel today could be the standard tomorrow. This may not be for everyone – and certainly not right away – but we want to offer customers the opportunity to participate in tests today and help us shape what commerce will look like in the future.

So we’ll steel ourselves for the moment when Walmart, Amazon, Safeway, and assorted hackers manage our fridge and our pantry and run around our home when we’re not there, and we – along with some hackers – get to watch them from afar. Yippee!

Another retailer owned by private equity firms goes bust. Read… Toys ‘R’ Us Melts Down, Files for Bankruptcy, Bonds Collapse

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59. Antarctica just lost another huge chunk of ice 4X the size of Manhattan — and that could be just the beginning00:47[−]

Antarctica just lost another huge piece of ice. The ice broke off of Pine Island Glacier, which is the fastest melting glacier on the continent.

Scientists first saw a large rift in the glacier’s center last March. Six months later, one of the scientists tweeted that the rift had grown, causing a giant chunk four times the size of Manhattan to break off.

Since the ice chunk was part of a glacier, it will not raise sea levels. However, scientists say there’s a bigger story here.

There’s something unusual going on with Pine Island Glacier. It’s melting differently from other parts of Antarctica.

Instead of breaking apart from the sides, the glacier is forming cracks in its center. These central cracks appear to form under the ice.

Scientists think this unusual behavior is due to warmer ocean waters. It could also be causing more rifts to form more often.

If this pattern continues, it could expose ice on Antarctica that will raise sea levels. Scientists aren’t sure if or when this could happen.

In the meantime, there’s not much they can do except watch the glacier break apart piece by piece.

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60. 11 fast food items that are surprisingly under 300 calories00:43[−]

burger king bacon cheeseburger deluxeBurger King/Facebook

What if rolling through the drive-thru on your way home from work didn’t have to mean giving up on that calorie goal? Turns out there are some low-cal options amongst the not-so-great waist-wideners that are usually taking up space on fast food menus. From snacks to full-on meals, we've rounded up 11 orders that you can drive home with — and pencil into your food journal — guilt-free. They may be fast food, but they’re still better than The #1 Worst Menu Options At 41 Popular Restaurants.

Jack in the Box Breakfast Jack

Jack in the Box/Facebook

No need to feel bad the next time you can't resist a breakfast Jack. The sandwich may be filling, thanks to the eggs, cheese, and ham between the buns, but it stays just under 300 calories while still packing on the protein. Of course, if you can, always go for these 15 Healthy Breakfast Ideas instead for fresher ingredients from your own kitchen.

Arby's Jalapeno Bites


You might think five jalapeno bites won’t keep you satiated for long, but think again. With hot peppers and cream cheese dipped in fried batter, each bite will have you reaching for your water. You'll fill up on liquids while chewing on such a spicy snack. Plus, it's far less calories than a traditional Arby's sandwich, which averages about 500 calories!

Burger King Bacon Cheeseburger Deluxe

Burger King/Facebook

While this "deluxe" menu item may sound like it's crammed with calories, it's got even less than a small order of fries at Wendy's. With more grams of protein than fat and only 640 milligrams of sodium, this is a bacon burger you can brag about buying.

See the rest of the story at Business Insider

61. Zuckerberg reportedly downplayed Obama's warning about the threat of fake news last November00:42[−]

mark zuckerberg barack obamaFlickr/White House

Former President Barack Obama tried to warn Facebook CEO Mark Zuckerberg about the threat of fake news and its effect on the 2016 election less than two weeks after Donald Trump won the presidency, The Washington Post reported on Sunday.

Nine days before Obama warned him about the effect fake news had on the November result and the problem it would pose in future elections, Zuckerberg struck down the notion as a "crazy idea" that "surely had no impact" on the end result.

Following the president's warning, Zuckerberg acknowledged the problem but said fake news wasn't widespread on Facebook, according to The Post. He added at the time that there was no easy solution to the issue, according to those familiar with the matter.

Obama's appeal to the tech titan came following months of indecision within the administration's ranks about what to do about the elaborate and multi-faceted campaign Russia launched to interfere in the US election.

The Post found in June that even after Obama and his senior aides were provided with an intelligence report detailing how Russian hackers had breached the Democratic National Committee's servers in an attempt to damage Clinton's candidacy, they failed to act. That failure, the report said, was born out of an assumption that Clinton would win the November election regardless.

Russia's meddling was a multi-pronged effort that included, among other things, amplifying the propaganda value of leaked DNC emails with a disinformation campaign waged predominantly on Facebook and Twitter, in an effort to use automated bots to spread fake news and pro-Trump agitprop.

Facebook reportedly discovered traces of Russian activity on its platform five months before Zuckerberg's conversation with Obama. Last June, cybersecurity experts at the company found that the Russian hacking group Fancy Bear was setting up several "shadowy accounts" on Facebook to amplify the reach of the hacked DNC emails, according to The Post. The US intelligence community has said Fancy Bear is an extension of the GRU, which is Russia's military intelligence arm.

Facebook reportedly contacted the FBI at the time, but determined upon examining the accounts further that they were financially motivated and did not seem linked to a foreign government.

Facebook recently came under the microscope after it emerged that fake accounts linked to Russian entities used the platform to spread disinformation and bought $100,000 worth of divisive political ads leading up to the election.

The company still does not know the extent of Russia's ad purchases or whether these unidentified ad buys are still on the site. Facebook has since confirmed that Russia-linked groups went further than buying ads and posting memes — they tried to organize anti-immigrant, anti-Clinton rallies in Texas and Idaho.

Zuckerberg said in a statement on Thursday that the company was examining how the presidential campaigns used its tools to promote ads or other content during the election.

In doing so, Facebook will look not only into "foreign actors, including additional Russian groups and other former Soviet states," Zuckerberg said, but also "organizations like the campaigns" to further its "understanding of how they used our tools."

Natasha Bertrand contributed reporting.

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62. Gregg Popovich says the US has become 'an embarrassment to the world' in speech slamming Trump and white privilege00:38[−]

Gregg PopovichSan Antonio Spurs

Gregg Popovich has once again criticized President Donald Trump, saying the country has become "an embarrassment to the world"

Popovich spoke at Media Day for the San Antonio Spurs on Monday and was asked about Trump's recent comments criticizing NFL players who sit or kneel during the national anthem.

In an uninterrupted seven-minute speech, the Spurs' head coach slammed the president for being "delusional," for "gratuitous fear-mongering and race-baiting," for enabling people like NASCAR owners who would fire people or kick people out of the country for non-violent protests, and for lowering the reputation of the country to the point that the U.S. has become "an embarrassment to the world."

"I think [the NASCAR owners and others] have been enabled by an example that we have all been given and we have seen it in Charlottesville and on and on and on. That's not a surprise," Popovich said. "Our country is an embarrassment in the world."

In a separate speech, responding to a different question, Popovich also criticized white privilege, calling race "the elephant in the room," and noting that change won't happen until people feel uncomfortable, "especially white people."

"Obviously, race is the elephant in the room, and we all understand that, but unless it is talked about constantly, it is not going to get better," Popovich said. "People get bored. 'Oh, is it that again. He's pulling the race card again. Why do we have to talk about that?' Well, because it's uncomfortable and there has to be an uncomfortable element in the discourse for anything to change. Whether it's the LGBT movement or women's suffrage, it doesn't matter. People have to be made to feel uncomfortable, and especially white people, because we're comfortable. We still have no clue of what being born white means ... It's hard to sit down and decide, yes, it's like you are at the 50-meter mark in a 100-meter dash. You've got that kind of a lead. Yes, because you were born white, you have advantages that are systemically, culturally, psychologically, there, and they have been built up and cemented for hundreds of years. but many people can't look at it. It's too difficult ... People want to hold their position. They want the status quo. People don't want to give that up. And until it is given up, it's not going to be fixed."

Ultimately though, Popovich said it was time for people to actually do something to create change instead of just constantly complaining about Trump.

"To dwell on that, sometimes I think is the wrong way to go, because it is so obvious now, it's boring," Popovich said. "The childishness, and the gratuitous fear-mongering and race-baiting, has been so consistent it's almost expected. The bar has been lowered so far that I think it is more important to be thinking about what to do... You've got a choice. We can continue to bounce our heads off the wall with his conduct or we can decide the institutions of our country are more important, that people are more important, that the decent America we all thought we had and want is more important and get down to business at the grassroots level and do what we have to do."

Popovich has not been shy in his criticisms of Trump. Shortly after the inauguration in January, Popovich said "You really can’t believe anything that comes out of his mouth." In February, Popovich described Trump's " inability to get over himself" as "scary."

You can see Popovich's first speech here:

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And here are Popovich's comments on white privilege.

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63. 'BURN THE NFL': Americans are destroying football jerseys after players kneel in protest during the national anthem00:34[−]

Lynn BaySome football fans are raging against players' decision to demonstrate during the national anthem.

After more than a year of Colin Kaepernick and other NFL players sitting and kneeling during the national anthem, the controversy over their protests has reached a tipping point.

More players than ever before knelt or sat during the anthem on Sunday, after Trump argued that those who did so should be suspended or fired.

On Friday, Trump said: "Wouldn't you love to see one of these NFL owners, when somebody disrespects our flag, to say, 'Get that son of a b---- off the field right now, out — he's fired!'"

Some NFL fans who agree with Trump showed their support of the president — and their anger at players — by burning their teams' merchandise.

Robert Smith posted a video of himself on Sunday burning more than $1,000 worth of Pittsburgh Steelers merchandise, the Daily Mail reported. Earlier that day, the Steelers had not participated in the anthem, with the exception of offensive tackle Alejandro Villanueva, who served three tours of duty as an Army Ranger in Afghanistan before beginning his NFL career.

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"We have morals in this country. We stand for this country," Smith says in the video, which has more than 50,000 views as of Monday afternoon. "My great-uncle's bones are lying in the bottom of Pearl Harbor for this country, for this flag, for your freedom to play in the NFL."

"Super Bowl, right? As if I care," Smith continues, pouring lighter fluid on the gear. "I care about our country. I care about our freedom."

Smith wasn't the only fan taking action and posting evidence online.

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At least two groups of Baltimore Ravens fans posted videos of themselves burning merchandise on Sunday. Some players on the Ravens stood arm-in-arm during the anthem, while many others, including Mike Wallace, Tony Jefferson, Terrell Suggs, and former Ravens linebacker Ray Lewis, chose to kneel.

"You have problems with things, that's great," says a woman in a YouTube video during which she burned Ravens merchandise. "But, you don't disrespect the flag and you don't disrespect the people that died for your freedoms.

One self-described Seattle Seahawks fan of 40 years posted a video of himself on Twitter lighting a jersey on fire in a trashcan.

On Sunday, the Seahawks stayed in their locker room as the national anthem played before their game in Tennessee.

Many other people voiced their support online for those burning their jerseys and other gear.

Players have said that their decision to kneel or sit is not intended to disrespect the military or veterans, but instead to draw attention to police violence against black Americans and, more recently, issues with Trump's own behavior.

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64. 4 tech accessories that will make Apple's latest MacBooks a lot more useful00:32[−]

The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships, so we get a share of the revenue from your purchase.

MacBookOver the next couple of years, USB-C will become the dominant charging cable for phones, tablets, and even laptops, but there have been a few bumps in the road.

Well-made adapters that let you connect to your older peripherals have been few and far between, and the good ones tend to cost a small fortune.

This is particularly frustrating if you own a new MacBook or MacBook Pro, since USB-C is the only port Apple built into them. Thankfully AmazonBasics, Amazon's house brand for tech products, now has a handful of solutions to this problem.

You can see all of the new adapters here, but we've called out the most useful ones below. Whether you're connecting to an external display, your favorite accessories, or want to use a wired internet connection, you can find what you need here.



Arguably the most useful adapter, this one lets you connect to a regular USB peripheral and external display at up to 4K while also charging your MacBook.

AmazonBasics USB 3.1 Type-C Digital AV Multiport Adapter, $39.99

USB (4x)


This adapter replaces your traditional USB hub to connect to all of your old accessories.

AmazonBasics USB 3.1 Type-C to 4 Port USB Hub, $15.99

USB (3x) and Ethernet


This adapter forgoes one USB port, but includes Ethernet in case your wireless connection is spotty.

AmazonBasics USB 3.1 Type-C to 3 Port USB Hub with Ethernet Adapter, $23.99

See the rest of the story at Business Insider

65. All the ways grocery stores trick you into spending more money00:29[−]

grocery checkout line cartAkhenaton Images/Shutterstock

Everyone has dealt with this scenario before: you’re supposed to take a quick trip to the grocery store and two hours later you come home with tons of grocery bags and hundreds of dollars gone from your bank account. It’s no mistake; grocery stores actually strategize gimmicks to make you spend more money. Instead of being another victim of supermarkets’ games, keep an eye out for these slick tactics and keep your money in your pocket. And before you hit the store, be sure to check out the 46 Best Supermarket Shopping Tips Ever to save cash and stay slim.

Free samples

Tim Boyle/Getty

Anything labeled “free” would make you think that you’re saving money, but that’s not true. These bite-sized samples give you just enough of a taste to cause you to buy the full-sized item instead of sticking to your shopping list. Also, these are usually samples of fattening, processed foods, so make sure you do your research and avoid one of the 150 Worst Packaged Foods in America the next time you try some of these sample-sized bites.

Beefing up your meat

Robert Couse-Baker/Flickr

You may have noticed that some of the meat in the grocery store have a note that says saline solution has been added. That means that the giant piece of steak you’re holding has actually been injected or soaked with water. It may seem harmless, but it actually gives the meat more weight, causing you to pay more for less meat.

"Cage-free" eggs

Flickr/Joel Kramer

We hate to burst your cruelty-free bubble, but some of those cage-free eggs aren’t actually cage-free. Some factories just use bigger cages that can be considered a “cage-free” environment, which jacks up the price of those eggs at little cost to the farmer.

See the rest of the story at Business Insider

66. The tech takeover of advertising in one chart00:29[−]

Mark ZuckerbergJustin Sullivan/Getty Images

Both Alphabet and Facebook have carefully worked at crafting their public images.

Most people see these companies as forward-looking tech companies that are shaping our future through high-flying initiatives like Google X or Oculus VR. They put money into big moonshots that could potentially change the world, and their actions are closely followed by people in and outside of the technology sector.

But, despite these other initiatives and some diligent messaging, make no mistake – both Alphabet and Facebook are media companies that get their money from one source.

Advertising makes up the vast majority of their business, and they’ve both become very good at it.


Earlier this year, we put together a chart that broke down the revenues of the large tech companies:

tech vs tv adrevVisual Capitalist

Facebook earns 97% of its revenue from ads. Meanwhile, Alphabet earns 88% from ads, while getting less than 1% of its revenue from moonshots (at least for now).

Alphabet and Facebook are so good at advertising, in fact, that traditional media can’t keep up – and as a result, companies like CBS, 21st Century Fox, and iHeartMedia are now fighting for scraps.


It’s not just Alphabet and Facebook that have unlocked the secret to ad dominance. They were just the fastestto do so.

China’s search engine giant, Baidu, is quickly climbing the ranks as well. Even though growth slowed in 2016 due to changes in China’s ad rules, the company will eventually be the third-largest media giant in the world. If Baidu can bump ad revenues by another 20%, it’ll move past Comcast, which owns brands like NBCUniversal and Telemundo.

Microsoft is also making its presence felt, debuting in the Top 10 for the first time in 2016. Microsoft’s Bing search network is now in 36 countries, while making up 33% of the U.S. PC search market. On top of that, the company also acquired LinkedIn, which now contributes $1 billion in revenue to the coffers.

The sea change is still in process – but in a couple years, there may not be a single traditional media that makes the top five list for global ad revenues. The tech takeover continues.

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67. 'Fox & Friends': Behind-the-scenes of 'the most powerful TV show in America'00:24[−]

Fox and FriendsAmanda McKelvey

Upstairs in the two-floor studio of "Fox & Friends", hosts Steve Doocy, Ainsley Earhardt, and Brian Kilmeade are about to return from break.

Their phones are tucked away and papers are placed on the coffee table in front of them, while producers usher in directions through earpieces.

"Has the president tweeted yet?" Kilmeade asks the room.

The anchors return from the break before the question is quite answered.

In June, The New York Times called Fox & Friends "the most powerful TV show in America" due to its No. 1 fan: President Donald Trump.

Business Insider visited the"Fox & Friends" studio on September 12. Here's what it's like behind the scenes:

"Fox & Friends" airs with Doocy, Ainsley Earhardt, and Kilmeade weekdays from 6-9 a.m. ET (other hosts handle weekends), but the staff starts prepping for the show far earlier than that.

Amanda McKelvey

Preparations for the next show begin when the last one ends. The hosts return to their offices and get ready for an editorial meeting at 9:30 a.m. ET.

"Everybody's got an idea," host Steve Doocy said. "Oftentimes, during the day, the day before, we'll send a text or tweet link on a great item that may be perfect for the next morning's conversation."

Producer Gavin Hadden encourages everyone to have a say in shaping the show — from the production assistants to the talent.

"We definitely feel that the more people that have a say in the show, the better it will be, and so we have a really strong staff of hardworking, smart people who are coming from every demographic, every age group," he said.

"We have a diverse team of people who are contributing to the show and finding out what they care about, because if they care about it, then most likely our viewers will, too."

Most of the hosts begin their days in the early hours of the morning. Each have their own routines for getting ready for the rundown of the show.

Amanda McKelvey

Doocy, who is a 20-plus-year veteran of Fox News, gets in at 4:30 a.m. "In the early days I actually used to make the coffee for the entire channel," he said.

When he gets to the station, Doocy reads through a 200-item packet of news items that is whittled down to 95. Then the team spends 30 or so minutes finding sources the hosts can cite about each of the items.

Kilmeade, who travels from Long Island, spends most of his commute studying and reading the news. He prepares for both "Fox & Friends" and his three-hour radio show, which he leaves for a few minutes after he gets off the air.

Ainsley Earhardt's process begins at 3 a.m. (After she snoozes her alarm once or twice.)

Amanda McKelvey

Once she arrives in the office at 4 a.m., Earhardt's off to hair and makeup. She spends her time in the makeup chair similarly to her co-hosts, studying her material for the show that will begin in just a few hours.

"From someone who spent years and years on TV doing my own hair and makeup, it's so nice because I can really focus on what I need to be telling the audience, and that's the news of the day," she said.

Earhardt joked that on the local news, she would add some part of her makeup during each commercial break. "I would start with lip liner and in the next commercial break I'd add a little lipstick and then the next commercial break a little lip gloss."

After she's done with hair and makeup, Earhardt returns to her office, usually in Lululemon sweats, to pick out her dress and heels for the show.

See the rest of the story at Business Insider

68. 10 signs that a recession isn't imminent00:16[−]

Traders work on the floor of the New York Stock Exchange (NYSE) in New York, U.S., August 31, 2017. REUTERS/Brendan McDermid Thomson Reuters

Since 1926, over 91 years, the U.S. stock market has returned 20 percent or greater 33 times (36 percent) and lost more than 20 percent only six times (seven percent). When markets are so clearly favorable, fear of the few big down years is irrational – yet powerful.

We have not had a pronounced sell-off, a 15 percent correction in the Standard & Poor’s 500, for almost four years.

Optimism is evident in the sentiment surveys, which is normally a good time to start looking for the exits. But instead of pausing and waiting for calmer heads to prevail, many investors tend to give into fear and sell at the worst possible times, even exiting the markets.

Bad decisions result from panic: by not remaining consistently invested, over the last 30 years of annualized returns, every single major asset class had a better return than the average investor, who garnered a mere 2.5 percent return, annualized. That did not even keep up with inflation.

To harness the markets’ power over the long term, investors must learn to distinguish between noise and signals. “Panic attacks,” sudden market dips, are often just noise. Yet determining when we are going into a recession is a signal, because that’s when markets crash.

A market crash is defined as a decline of 20 percent or more on the Standard & Poor’s 500 Index that lasts longer than 12 months. There have been three market crashes over the past 36 years, plus one near crash. Each coincided with the past four recessions.

We believe the likelihood of a recession over the next 12 months is around 20 percent.

ClearBridge has found 11 data points that historically foreshadowed a looming recession:

  • Average Hourly Earnings
  • Institute for Supply Management’s Purchasing Managers Index (M-PMI) New Orders
  • CPI Energy/Oil Prices
  • 10-Year U.S. Treasury and 3-Month T-Bill Spread
  • Consumer Non-Mortgage Delinquency Rate
  • Corporate Profits (Financial and Non-financial) as Percentage of GDP
  • High Yield Spread
  • Housing Permits
  • U.S. Dollar Strength
  • Temporary Worker Trend
  • Four-Week Average of Initial Unemployment Claims

Only one data point is flashing a warning sign: corporate profits.

Corporate profit margins last peaked in 2014. Historically, they have peaked ahead of recessions. Narrowing corporate profit margins can lead to less capital investment and hiring, ultimately resulting in higher unemployment, lower consumer spending and decelerating economic growth. Corporate revenue growth has been solid this year, which we believe will be sustained. Corporate margins also should remain flat, at a minimum, despite possibly higher labor costs.

The other signs are all positive.

Proxied by average hourly earnings, labor costs have picked up. An increase in hourly earnings can be a great recession predictor: on average, when earnings hit growth of 4 percent or more, a recession ensued two years later. We are well below that level.

Housing permits are firmly in an uptrend we expect to go higher.

Oil price spikes precede virtually all recessions. Oil has been volatile, dropping from over $100 a barrel in 2014. Even though oil is up from 2016 lows, it is not at levels that signal danger.

Employment numbers only tell us where we’ve been, not where we’re going, so temporary worker trend is a better metric than unemployment: it heads down before recessions begin, and heads up before exiting. The temporary worker trend continues to grind higher.

M-PMI registered a healthy 58.8 percent in August – over 50 percent is expansionary, signifying earnings should continue to gather steam.

Bond rates have pulled back, but the 10-year Treasury is likely to go higher.

The U.S. dollar will continue to weaken or be possibly range-bound over the next year; it lost 18 percent of its value, on average, after the first rate hike during the last three rate hike cycles. Dollar weakness is generally good for the global economy and for U.S. equities.

Is another recession ahead? Maybe, but the signs are against it.

Jeff Schulze is a Director and Investment Strategist at ClearBridge Investments, a Legg Mason affiliate. His opinions are not meant to be viewed as investment advice or a solicitation for investment.

© 2017 Legg Mason Investor Services, LLC. Member FINRA, SIPC

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69. Music stars like Pharrell, Stevie Wonder, and Eddie Vedder join NFL players in kneeling anthem protest00:15[−]

pharrell stevie wonderNoam Galai/Getty

A number of musicians took a knee onstage over the weekend in solidarity with NFL players who staged similar protests during the National Anthem.

Pharrell Williams, Eddie Vedder, Roger Waters, and Dave Matthews kneeled during their respective concerts following attacks condemning the NFL from President Donald Trump. In an Alabama rally last week, Trump said, “Wouldn’t you love to see one of these NFL owners when somebody disrespects our flag to say, ‘Get that son of a b— off the field right now’?”

Vedder took a knee while headlining a solo concert at Tennessee’s Pilgrimage Fest on Sunday. Earlier that day, Pearl Jam’s Twitter account posted a message in solidarity with the movement. “We support [Michael Bennett], [Colin Kaepernick], and everyone’s constitutional right to stand up, sit down or #takeaknee for equality,” the post read.

John Legend also kneeled during his concert Sunday night, while Prophets of Rage donned Kaepernick jerseys to show support. During his concert in Hartford, Connecticut, Waters and his band took a knee for a minute.

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Matthews and Williams also took a knee in their individual sets during “A Concert for Charlottesville: An Evening of Music and Unity” benefit concert. On Saturday, Stevie Wonder joined in on protests at the 2017 Global Citizen Festival in New York’s Central Park.

During Sunday night’s football, NFL players took a knee, locked arms, or stayed in the locker room while “The Star-Spangled Banner” was performed. These events have been inspired by Colin Kaepernick’s demonstrations during the 2016-17 football season. The San Francisco 49ers player responded to police brutality and racial inequality before the 2016 election by taking a knee during the National Anthem as a sign of protest.

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70. I ate at Disney World's most exclusive restaurant — here's why it didn't live up to the hype00:14[−]

Disney World Be Our Guest restuarant lunch review Kim Renfro/INSIDER

Disney World has dozens of uniquely themed dining options and hotels, from the indoor drive-in movie theater restaurant to the All-Star Movies Resort with "Mighty Ducks" decor.

The most popular restaurant is hands-down Be Our Guest — a dining experienced based on "Beauty and the Beast." Reservations sell out up to six months in advance, making it extremely difficult to get inside for a meal.

During my first-ever trip to Disney World, my friend and I managed to get inside for a fast lunch.

Keep reading to see why the overall experience was over-hyped and underwhelming.

The Be Our Guest restaurant is located in Disney World's Magic Kingdom.

Kim Renfro/INSIDER

Guests check in at a small window, and then cross a bridge to the restaurant entrance.

Kim Renfro/INSIDER

Park guests are not allowed inside the restaurant without a reservation, which adds to the high demand for a table.

Harsh Light/ Flickr

See the rest of the story at Business Insider

71. Australia is launching its first space agency00:08[−]

space shuttleScott Audette/Reuters

Australia is set to establish its first space agency.

The development comes after much lobbying from figures in the local space tech industry, including Australian NASA astronaut Andy Thomas. In July, those efforts led to a government review to assess the viability of setting up a space agency.

Australia is one of only two OECD countries without such an organization.

“We need a national agency that speaks for the country and with ministerial authority. Without that Australia is doomed to be forever dependent on other nations for its space-related security, its space-related economy, its space-related defense and its space-related environmental assessments,” Thomas said earlier this year.

Although the review by the Expert Reference Group is still ongoing, after “overwhelming” feedback the Turnbull government has now decided to commit to establishing an agency.

“The global space industry is growing rapidly and it’s crucial that Australia is part of this growth,” acting minister for industry, innovation and science Michaelia Cash said on Monday.

Astronaut_Andy_ThomasWikimedia Commons“The agency will be the anchor for our domestic coordination and the front door for our international engagement.”

The Expert Reference Group, chaired by former CSIRO Chief Dr Megan Clark, will now focus on writing a charter for the new agency as a part of its report to be handed down March next year.

Founder of Adelaide satellite tech firm Fleet, Flavia Tata Nardini, said in June that the world is currently “witnessing the birth of a new space era” defined by “small, scalable technologies and agile mindsets” and that Australia needed to act urgently.

“It is a sector up for grabs, but not for long. Once it clicks into gear, the world’s biggest economic drivers will depend on those who fuel it to grow,” said Nardini, who is also an aerospace engineer.

While the local space industry already employs 11,000 Australians and is worth about $4 billion a year, Nardini said it can only go so far without the leadership of a national organization.

“The foundations a national space agency will lay, will enable our nation to continue to prosper in the next 20 to 50 years.”

The reference group has received nearly 200 written submissions and has consulted more than 400 people from private and public sectors in each state and territory.

“A national space agency will ensure we have a strategic long-term plan that supports the development and application of space technologies and grows our domestic space industry,” said Cash.

Australia’s new space organization would leave Iceland as the only OECD nation without such an agency.

NOW WATCH: Why you can't fly a plane to space

72. 'Anthem' could be the next 'Destiny' — here's what it's all about00:06[−]

anthem biowareYouTube/Bioware

"Destiny 2" may have just launched this month, but many players (and others) are looking ahead to the 2018 release of "Anthem," a new game from Bioware that bears many similarities to Bungie's sci-fi shooter franchise.

Take a look:

"Destiny" is all about killing aliens in beautiful, otherworldly environments with your friends (or random people you meet online). "Anthem" seems to have a similar gist.


In "Anthem," your character is what's known as a "Freelancer." Bioware calls them "the heroes that leave the safety of the walls of Fort Tarsus, to explore the unknown and protect humanity."


This sounds similar to "Destiny": In that game, your character is known as a Guardian — a chosen warrior tasked with protecting the last city on Earth.

In "Anthem," players get an array of exosuits called Javelins, which provide superhuman abilities. They're also heavily customizable, so you can look and play how you want.


Similarly, in "Destiny," a big aspect of the game is customizing the armor and weaponry of your character, which you collect from completing missions and various activities.

See the rest of the story at Business Insider

73. WPP chief Sir Martin Sorrell: Google and Facebook should worry about government regulation00:05[−]

martin sorrellWPA Pool/Getty Images

WPP CEO Martin Sorrell believes that Facebook and Google have a reason to be worried.

In a conversation with best-selling author and long-time New Yorker columnist Ken Auletta at Advertising Week in New York, Sorrell said that the possibility that the two companies would face government regulation cannot be ruled out.

"I think they do," he said, responding to Auletta's question about whether the companies needed to worry about the government. "No sovereign state will let a company become worth $1 trillion."

The WPP chief has referred to Facebook and Google as his "frenemies" time and again, saying that they needed to embrace their roles as media companies, and not merely technology companies. But, off late, the tremendous pressure on the companies had made them more of "flexible friends," he said.

This, according to him, was because of the considerable pressures they were under. Facebook has been shrouded in controversy after it was revealed that Russian entities run ads on the platform during the election, while Google has been facing an anti-trust crackdown in the EU.

"With scale and size comes responsibility," he said. "Whether it's due to Vestager (EU Competition Commissioner Margrethe Vestager) and the EU putting pressure on them, political brand safety or consumer brand safety, the threat of regulation, or Steve Bannon’s exit remarks from the White House, I think Google and Facebook have become 'friendlier frenemies' or 'flexible friends.'"

He also used the occasion to slam Facebook for its recent anti-Semetic ads targeting mishap.

"As a Jew, do I like the idea that Facebook provided the ability to target Jew haters?," he said.

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74. Aaron Judge hit 4 home runs in 2 days to break Mark McGwire's 30-year-old rookie record00:05[−]

Aaron Judge hits 50th home runAdam Hunger/Getty Images

Aaron Judge has put together one of the most impressive rookie seasons that baseball has ever seen, and on Monday, he officially wrote his name into baseball history as the first player to ever hit 50 home runs in his rookie year, breaking Mark McGwire's 28-year-old record.

Judge came into Monday's game with 48 home runs on the year, one shy of tying McGwire's record.

After hitting his 49th homer in the third inning to match McGwire, Judge stepped up to the plate again in the seventh and sent a ball high and deep into left-centerfield to break the mark and officially become the greatest home run hitter in rookie history.

You can watch Judge's record-breaking home run below, courtesy of MLB.

Judge was quick to make an impression on baseball fans with his affable attitude, contagious smile, and brilliant swings at the plate. Making a name for himself with towering homers, Judge quickly earned himself an entry into the annual Home Run Derby, and became the first rookie to win the award.

Despite a slump after the All-Star break, Judge appears to have once again found his swing, having hit four homers in his past two days to break McGwire's record and keeping his name in the conversation for AL MVP.

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75. THE PAYMENTS INDUSTRY EXPLAINED: The Trends Creating New Winners And Losers In The Card-Processing Ecosystem00:02[−]

smart home voice assistant benefitsBI Intelligence

This is a preview of a research report from BI Intelligence, Business Insider's premium research service. To learn more about BI Intelligence, click here.

Digital disruption is rocking the payments industry. But merchants, consumers, and the companies that help move money between them are all feeling its effects differently.

For banks, card networks, and processors, the digital revolution is bringing new opportunities — and new challenges. With new ways to pay emerging, incumbent firms can take advantage of solid brand recognition and large customer bases to woo new customers and keep those they already have.

And for consumers, the digital revolution is providing more choice and making their lives easier. Digital wallets are simplifying purchases, allowing users to pay online with only a username and password and in-store with just a swipe of their thumb.

In a new report, BI Intelligence explores the digital payments ecosystem today, its growth drivers, and where the industry is headed. It begins by tracing the path of an in-store card payment from processing to settlement across the key stakeholders. That process is central to understanding payments, and has changed slowly in the face of disruption. The report also forecasts growth and defines drivers for key digital payment types through 2021. Finally, it highlights five trends that are changing payments, looking at how disparate factors, such as surprise elections and fraud surges, are sparking change across the ecosystem.

Here are some key takeaways from the report:

  • Digital growth is accelerating the pace at which payments are becoming faster, cheaper, and more convenient. That benefits both nimble startups and legacy providers that invest in innovation.
  • Mobile payments are continuing to take off. On mobile devices, e-commerce, P2P payments, remittances, and in-store payments are each expected to rise as customer engagement shifts from more established channels.
  • Power is shifting to companies that control the customer experience. As the selling power of physical storefronts shifts to digital devices, the companies that control the apps and platforms that occupy users’ attentions are increasingly encroaching on payment providers’ territory.
  • Alternative technologies are moving from the idea stage to reality. Widespread investments in blockchain technology last year are beginning to result in services hitting the market, promising to further squeeze margins for payments providers.

In full, the report:

  • Traces the path of an in-store card payment from processing to settlement across the key stakeholders.
  • Forecasts growth and defines drivers for key digital payment types through 2021.
  • Highlights five trends that are changing payments, looking at how disparate factors, such as surprise elections and fraud surges, are sparking change across the ecosystem.

To get the full report, subscribe to an ALL-ACCESS Membership with BI Intelligence and gain immediate access to this report AND more than 250 other expertly researched deep-dive reports, subscriptions to all of our daily newsletters, and much more. >> Learn More Now

You can also purchase and download the report from our research store.

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76. The incredible life of actress, entrepreneur, and women's rights activist Meghan Markle00:02[−]

meghan markleTommaso Boddi / Getty

Meghan Markle has barely been out of the headlines recently — and all because of the man in her life, Prince Harry.

Though they've reportedly been dating since July 2016, they hadn't made a public appearance together until Monday, when they attended the Invictus Games in Toronto.

But don't let the press fool you — Markle is so much more than the girlfriend of a British royal.

Born in Los Angeles, she is best known for her role on the legal drama "Suits," in which she plays Rachel Zane.

Away from the camera, she is a fashion designer and the founder of lifestyle website and brand The Tig, which she officially shut down last month. She also works as a women's rights activist for the UN's Women's Political Participation and Leadership programme.

From meeting political leaders in Rwanda to enjoying a British Sunday roast with a YouTube star, read on for the incredible jet-setting life and accomplishments of Meghan Markle.

Meet Meghan Markle, the 35-year-old actress, entrepreneur, and political activist who also happens to be Prince Harry's girlfriend.

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Best known for playing Rachel Zane in legal drama "Suits," she made her acting debut in "General Hospital" in 2002. She has also starred in shows including "CSI: NY" and "Castle," as well as films like "Get Him To The Greek" and "Horrible Bosses."

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She lives in Toronto, where "Suits" is filmed. It was here that she reportedly met Harry in May while he was visiting the city to promote the Invictus Games 2017.

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See the rest of the story at Business Insider

77. Sarah Huckabee Sanders claims the media is 'missing the entire purpose' of Trump's NFL tweets00:01[−]

sarah huckabee sandersEvan Vucci/AP

White House press secretary Sarah Huckabee Sanders argued on Monday that the media was "missing the entire purpose of the message" when it came to President Donald Trump's criticism of NFL players who kneel during the national anthem.

Sanders was asked during the White House press briefing on Monday what message Trump intended to send by "emphasizing sports" with his tweets about the national anthem protests, while seeming to ignore other issues like the hurricane recovery effort in Puerto Rico.

"He's not emphasizing sports. You're missing the entire purpose of the message," Sanders said. "He's emphasizing something that should be unifying. Celebrating and promoting patriotism in our country is something that should bring everybody together."

More than 100 NFL players joined a growing wave of protests against racial injustice by kneeling during the national anthem at football games on Sunday, two days after Trump said team owners should fire players who don't stand for the anthem.

Trump also tweeted his frustration with the NFL, blasting league commissioner Roger Goodell for allowing the protests. The president encouraged fans to boycott the league if they continue. On Sunday, almost each of the 32 NFL teams released a statement expressing solidarity with players who chose to participate in pregame demonstrations, and three owners stood with their team's players on the sidelines as the anthem was performed.

Later that day, Trump signaled his approval of players and owners standing arm-in-arm on the field during the national anthem, and again criticized the act of kneeling: "Great solidarity for our National Anthem and for our Country," Trump tweeted. "Standing with locked arms is good, kneeling is not acceptable. Bad ratings!"

NFL Football - Jacksonville Jaguars vs Baltimore Ravens - NFL International Series - Wembley Stadium, London, Britain - September 24, 2017   Jacksonville Jaguars players kneel during the U.S. national anthem before the match   Action Images via Reuters/Paul ChildsThomson ReutersAnd on Monday, Trump again expressed his ire toward kneeling, seeming to misinterpret its original meaning: "The issue of kneeling has nothing to do with race. It is about respect for our Country, Flag and National Anthem. NFL must respect this!"

The protests kicked off a nationwide debate in 2016, when then-San Francisco 49ers quarterback Colin Kaepernick began kneeling during the playing of the anthem to raise awareness of police brutality and racism against African-Americans.

Kaepernick left the 49ers at the end of the season and remains unsigned, leading some to question whether NFL owners had blacklisted the quarterback to avoid attracting controversy.

Watch video of Huckabee Sanders' comments below:

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78. 23 brilliant and beautiful wives and girlfriends of NFL playersПн., 25 сент.[−]

kerry washington nnamdi asomughaMatt Sayles/Invision/AP

There are some powerful women behind some of the top NFL players in the United States.

Emmy-nominated actress Kerry Washington is married to former NFL player Nnamdi Asomugha and supermodel Gisele Bündchen married New England Patriots quarterback Tom Brady. Ashley Nicole Roberts, a captain in the US Army Reserves, married Arizona Cardinals linebacker Philip Wheeler in 2017. Some of these women also appear on the E! show "WAGS," which stands for the the wives and girlfriends of sports stars, and its subsequent spin-offs.

Here are 23 accomplished NFL wives and girlfriends.

Former supermodel Gisele B?ndchen married New England Patriots quarterback Tom Brady in 2009.

Dia Dipasupil/Getty Images

The former Victoria's Secret Angel also supports various charities, including Save the Children, and is a goodwill ambassador for the United Nations Environment Program. The couple has two kids.

Grammy-winning singer Ciara tied the knot with Seattle Seahawks quarterback Russell Wilson in 2016.

Pascal Le Segretain/Getty Images

She has gone on to sign a modeling contract with IMG and is a brand ambassador for Revlon. The couple welcomed a daughter in 2017. Ciara also has a son from her previous relationship with Future.

Abby McGrew was studying fashion at the University of Mississippi when she met future husband and New York Giants quarterback Eli Manning.

Frank Micelotta/Invision for NFL/AP Images

She works as a fashion account executive and is involved with New York's St. Vincent's Hospital. She helped with the building of a holistic birthing center at the hospital through donations and fundraising. The couple married in 2007 and have three daughters.

See the rest of the story at Business Insider

79. Falling sales have forced GM to cut an entire shift of workers at its SUV factoryПн., 25 сент.[−]

General Motors Assembly Line Auto Plant CarAP

For the first eight months of the year, car sales by GM and Ford plunged 19%. Industry car sales fell 11%, despite record incentives. Sales of trucks – pickups, SUVs, crossovers, and vans – have been the big hope. Total truck sales are up 3% for the year, reducing the overall sales decline to 3%. Particularly crossovers have been red-hot. Every manufacturer has jumped into this booming segment. They’ve been the big hope. But now, even that hope is fading.

“Although crossovers now make up a larger share of the automotive industry, overall volumes are moderating,” General Motors told employees in a layoff notice at its Spring Hill, Tenn., assembly plant that makes the GMC Acadia and Cadillac XT5. These crossover models are among the very vehicles GM is counting on to pull it out of its sales funk.

“We believe the best way to react…is to reduce output,” the statement said.

GM will eliminate an entire overnight shift with about 1,000 workers. Some of the workers might be transferred to the engine or component manufacturing side of the plant, according to the GM spokesman.

The notice was sent on Friday. It was meticulously timed. By the time it was reported by the Wall Street Journal, the markets had already closed and no one was supposed to pay attention any longer.

Already in December 2016, GM announced that it would kick-start 2017 by temporarily closing five assembly plants, temporarily laying off 10,000 workers. But most of those employees were involved in making cars.

What GM told its employees on Friday was different: It would cut an entire shift, it would not be temporary, and the purpose would be to cut production of formerly hot crossovers.

Every automaker is pursuing the hot crossover segment with a vengeance. They’re still selling, but not as well as expected, and demand is “moderating,” as GM put it, and now overcapacity is setting in, the bane in auto manufacturing. It has been hounding plants that make cars. But now the problem is spreading the plants that make crossovers.

In June, GM already announced that it would extend its normal summer shutdown at some plants in the US.

Ford, just days ago, announced that it would idle three plants in the US and two in Mexico that employ tens of thousands of people. The shutdowns will range from one to three weeks. But they build mostly cars, whose sales have crashed as consumer went for crossovers and SUVs, presumably.

“We are continuing to match production with consumer demand, as we always do,” Ford said in a statement, which is the same lingo it always uses during these occasions.

Given that the shutdown of the Ford plants impacts car production, they’re still clinging to the script that car sales have crashed, while SUVs and crossovers are barely hanging on.

Earlier this month, Fiat Chrysler Automobiles announced that it would shut down its plant in Windsor, Ontario, for five weeks starting in October, to “balance production” of two minivans. It has already eliminated two car lines and no longer manufactures cars in the US. It has been the hardest-hit among US brands, with car sales down 22% this year, truck sales down 5%, and total sales down 7.7%. Only Hyundai (-12.7%) and Kia (-8.4%) have booked larger drops.

The plant shutdowns at GM and at Ford were announced after Hurricanes Harvey and Irma had entered the equation. The hurricanes were initially expected to cause an upsurge in new vehicle demand.

Everyone in the industry wants to know how many flood vehicles will be replaced by new cars, how many will be replaced by used cars, and how many will be repaired.

Warren Buffett, whose Berkshire Hathaway owns auto insurer Geico, shed some additional light on this last Tuesday. Geico is the second largest auto insurer in Texas and the largest in Florida. Harvey, with its catastrophic flooding, has likely caused losses for Geico on 50,000 vehicles, Buffett explained. And losses in Texas are likely to exceed “by quite a margin” its losses in Florida.

In other words, the damage to vehicles in Florida was far less than in Texas. And the damage in Texas appear to be less than originally expected as those estimates have come down.

InfoNation estimated a few days ago that about 300,000 vehicles were likely damaged in the greater Houston region as a result of Harvey. It added, “Since not all vehicles will be covered by insurance or recorded as flood damaged, the number of totally damaged vehicles will never be accurately known.”

Given the new layoffs, particularly those at the GM plant that makes crossovers, which are popular in Texas, automakers may not expect a huge surge in demand for new vehicles from hurricane affected areas. They may expect that repairs and used vehicles will be called upon to a larger extent than originally hoped for.

So far this year, new vehicle sales are 321,000 units behind last year. Given the lowered expectations of demand from hurricane affected areas, the rest of the year is unlikely to fill that hole. Since sales have crashed in the hurricane affected areas in early September, and will take a while just to get back to “normal,” total sales this year across the US will likely fall further behind. Even next year, there might not be enough demand from hurricane affected areas to alter the course of the downward spiral.

Auto sales in the Houston area, already battered by the oil bust and then by Hurricane Harvey, plunged to levels not seen since the depth of the Financial Crisis. In other sectors too, the damage is becoming clearer.

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80. Angela Merkel will serve 4 more years as the chancellor of Germany — here's how 'the new leader of the free world' got where she is todayПн., 25 сент.[−]

Angela Merkel science scientistSean Gallup / Getty Images

• German Chancellor Angela Merkel just won another term in office.

• Before she entered the political realm, she had a successful career as a scientist.

• At one point, the Stasi — East Germany's secret police — attempted unsuccessfully to recruit Merkel.

German Chancellor Angela Merkel won her fourth term in office Sunday, further solidifying her position as the de facto leader of Europe.

Some observers are even calling her the new leader of the Free World.

Merkel has become a fixture in the international leadership scene, having helmed her country since 2005. However, long before her foray into politics, she worked in an entirely different field. The German Chancellor has a PhD in quantum chemistry and was once a scientist in East Germany.

Here's a look at her early career:

Merkel excelled at Russian language, mathematics, and science in school and ultimately studied physics at the University of Leipzig from 1973 to 1978.

Wikimedia Commons

Source: The New Statesman, " Women Leaders of Europe and the Western Hemisphere"

Toward the end of her time there, she tangled with the Stasi — East Germany's secret police. When she applied to be a professor at an engineering school, the Stasi attempted to recruit her to spy on her colleagues. She refused, and the job went to someone else.

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Source: TIME

After earning her doctorate in quantum chemistry from the German Academy of Sciences in Berlin in 1986, Merkel worked at the Central Institute for Physical Chemistry at the Academy of Sciences in Berlin until 1990. She was the only woman in her section and authored a paper on surface hydroxyls.

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Source: The New Yorker, The Making of Merkel, BBC

See the rest of the story at Business Insider

81. Watch LeBron James defend calling Trump a bum on TwitterПн., 25 сент.[−]

LeBron James defended calling Trump a bum on twitter after the president announced that the Golden State Warriors would not be invited to the White House. Following is a transcript of the video.

Reporter: Is there any regret that you got into a name-calling situation with the president?

LeBron James: No. Name calling? What did I say? Let me hear you say it.

Reporter: You called him a bum.

James: That's not a name-call. "You bum." Me and my friends call each other that all the time. I'm not his friend, though. I don't want to see that on a note. He's not my friend. No, no, that was the first thing that when I woke up and saw what he said about Steph Curry.

First of all, it's so funny because it's like you invite me to your party, right? Matter of fact it's not like you invited me, it's almost like, you know, "Tom, hey, I'm not going to be able to make it. I'm not coming." And then he be like, “Hey LeBron guess what? You're not invited." I wasn't coming anyways.

So that was funny to me when I woke up and saw that. So, and my first initial response was you bum. First of all, you don't understand the magnitude. He doesn't understand the power that he has for being the leader of this beautiful country. He doesn't understand how many kids, no matter the race, look up to the president for the United States for guidance, leadership, for words of encouragement. He doesn't understand that.

That's what makes me more sick than anything, that we have someone, this is the number one position in the world. You guys agree? Being the president of the United States is the most powerful position in the world. I don't know of another one. If you find one let me know. It's the most powerful position in the world, and we're at a time where the most powerful position in the world has an opportunity to bring us closer together as a people and inspire the youth and put the youth at ease, saying that it's okay for me to walk down the street and not be judged because the color of my skin or because of my race. And he has no recollection of that. And he doesn't even care. Maybe he does. But he doesn't care. So, do I take away … take away "you bum" off my, no, because if I did I would've deleted my tweet.

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82. 10 best-selling online classes you can enroll in for $10 right nowПн., 25 сент.[−]

The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships, so we get a share of the revenue from your purchase.


Thanks to online learning platforms, a physical classroom is no longer the only place to gain an education. You can now learn anything, anywhere. The democratization of education has helped break down traditional barriers of access like high costs and location, resulting in a more skilled and informed workplace and citizenry.

These days, there are countless types of classes and online learning platforms to choose from. Udemy is the world's largest marketplace for online learning, offering over 55,000 courses across a large range of categories. Its mission is "to improve lives through learning."

Each course is taught by experts in their field who create and manage the course.

Udemy's courses can cost up to $200 per course, but until September 29, you can enroll in thousands of classes for just $10 each when you use the code "INSIDERPICKS" at checkout.

Take a look at Udemy's 10 best-selling classes below. Now's as good a time as any to enroll in one.

1. "The Web Developer Bootcamp"


  1. Make real web applications with languages like Javascript, Node, HTML, and more.
  2. Create static HTML and CSS portfolio sites and landing pages.
  3. Write Javascript functions, and understand scope and higher order functions.
  4. Understand the ins and outs of HTTP requests.
  5. Create a blog application from scratch using Express, MongoDB, and Semantic UI.

"The Web Developer Bootcamp," $10 (originally $200) [95% off with code "INSIDERPICKS"]

2. "Machine Learning A-Z™: Hands-On Python & R In Data Science"


  1. Master Machine Learning on coding languages Python & R.
  2. Learn advanced techniques like Dimensionality Reduction.
  3. Build an army of powerful Machine Learning models and know how to combine them to solve any problem.
  4. Handle specific topics like Reinforcement Learning, NLP and Deep Learning.
  5. Create strong added value to your business.

"Machine Learning A-Z: Hands-On Python & R In Data Science," $10 (originally $200) [95% off with code "INSIDERPICKS"]

3. "Complete Python Bootcamp: Go From Zero to Hero in Python"


  1. Learn to use Python professionally, learning both Python 2 and Python 3.
  2. Understand advanced Python features, like the collections module and how to work with time-stamps.
  3. Build a complete understanding of Python from the ground up.
  4. Create games with Python, like Tic Tac Toe and Blackjack.
  5. Understand complex topics, like decorators.

"Complete Python Bootcamp: Go from Zero to Hero in Python," $10 (originally $195) [95% off with code "INSIDERPICKS"]

See the rest of the story at Business Insider

83. 'Kingsman: The Golden Circle' is a silly sequel that pales in comparison to the originalПн., 25 сент.[−]

taron egerton kingsman golden circle

Warning: There are spoilers ahead for "Kingsman: The Golden Circle."

20th Century Fox's highly-anticipated sequel to "Kingsman" debuted in theaters this past weekend. While it won the box office opening weekend with $39 million, don't let that number fool you.

The follow-up to director Matthew Vaughn's 2015 surprise hit is a huge letdown.

"Kingsman: The Golden Circle" had a lot of promise with the return of original cast members Taron Egerton and Colin Firth along with the addition of a few big A-list stars and Oscar winners, including Halle Berry and Channing Tatum starring as the secret agency's Statesman colleagues in the United States. Unfortunately, their presence couldn't help lift up a silly sequel that revolves around a drug cartel run by Julianne Moore's goofy and villainous Poppy which poisons millions of people across the world.

Why you probably cared:

Not only did the original director come back to direct the sequel with the original cast, but the film had the talents of Channing Tatum, Jeff Bridges, Halle Berry, and Julianne Moore. How could they fail? Let us count the ways.

Why it misfires:

kingsman julianne mooreAlex Bailey/20th Century Fox

From the moment you see a severed robotic arm hack into a computer to find the location of every Kingsman, you start to groan internally. It only gets more bizarre and wacky from there. Robotic dogs, cannibalism, and a surprise extended cameo from Sir Elton John are just a few of the things you don't expect to see on screen.

The biggest misstep of "The Golden Circle" is under-utilizing and wasting its spectacular talent. Julianne Moore isn't convincing as Poppy Adams, the brains behind a drug cartel that's out to poison millions of her customers.

It's tougher to stomach Tatum and Berry's characters named Agent Tequila and Gingerale, respectively. Jeff Bridges goes by Agent Campagne. It's supposed to be funny, but it's not. Instead, you start to wonder if there's some sort of joke you missed that you weren't let in on. Berry is reduced to a tech support gal who longs of working in the field. If you were expecting to see a lot Tatum, sorry. Scheduling conflicts reduced the star's role and he lies limp on a table most of the film after he's poisoned by Poppy's toxin.

channing tatum halle berry kingsmanGiles Keyte/20th Century Fox

I'm pretty sure Elton John gets more dialogue and screen time than Tatum playing himself. There's a scene where the "Rocket Man" singer watches a man viciously torn apart by two robot dogs (you can't make this stuff up), and I think that sums up much of what you need to know about the movie.

What's Hot:

taron egerton kingsman the golden circle20th Century Fox

For as silly as the sequel is, all of the action scenes are really enjoyable and capture the essence of what made the first film enjoyable. The opening sequence of Eggsy (Egerton) being chased through London makes you hopeful for the rest of the film. Unfortunately, these scenes are far and few between a lot of exposition and silly moments including an awkward one where Eggsy has to plant a GPS tracker in a girl's vagina. The camera actually moves to take us on the tracker's route. This is an actual thing that happens in this movie.

It's also nice to see Eggsy reunited with Harry (Colin Firth) on screen, though the reunion takes far too long after it's teased in trailers. "Game of Thrones" star Pedro Pascal gets some time to shine as a two-timing agent who gets a cool laser lasso that feels like something out of "Star Wars."

pedro pascal kingsman20th Century Fox

I checked out the film in 4DX and the motion of the chair during action scenes made the otherwise insufferable film worthwhile, but the rest of the film feels cobbled together around a plot that sounds like it would have worked in a "Catwoman" sequel. The movie also runs tediously long at 141 minutes.

The bottom-line:

harry umbrella kingsman20th Century Fox

The first "Kingsman" is great for its ability to balance quirky dialogue and the unexpected with great action sequences. The sequel lost some of the magic that made the first one really special with too many outlandish moments and too much Elton John. Yes, "Kingsman" is based loosely on a comic series of the same name, but the overall tone of the movie feels like a cartoonish, goofy adaptation.

Sorry Harry. A-list talent alone does not maketh a good movie.You need a good script too. Save some cash and go see "It" or anything else. You can wait for this one to come out on home video.



"Kingsman: The Golden Circle" is in theaters now. You can watch a trailer for the movie below.

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84. Here's where Toys R Us went wrongПн., 25 сент.[−]

Toys R UsReuters

In the 1980s and even the 1990s, Toys R Us was a place children begged their parents to take them.

The chain had a selection of toys that dwarfed what was sold at now-defunct department store chains like Ames, Caldor, and Bradlees. Even its Sunday newspaper inserts were an event, and its holiday season "toy book" was much perused by children in order to pick out what gifts they planned to ask for.

Toys R Us' slow path to bankruptcy, which it filed on September 19, did not begin with Amazon.com. It started with chains like Wal-Mart and Target creating toy departments that not only pushed prices (and margins) lower, but also made it so a visit to Toys R Us was no longer unique. Wal-Mart and Target made Toys R Us less of a destination and gave parents a way to placate their kids while also doing their own shopping.

How Toys R Us went wrong

For two years, I ran the largest toy and hobby store in New England. We had a Toys R Us, a Target, and a Wal-Mart within a couple of miles of us. We were also in a relatively remote location while our toy-selling rivals were closer to the highway and near a major mall. Despite those deficits and the fact that we were generally more expensive than the chains we competed with, we thrived.

The mistake Toys R Us has made is that it has done very little to differentiate itself from its department store rivals. My former toy store, which is doing well to this day, did much more than sell toys, hobby items, model trains, and more. It actively gave customers a reason to visit.

"Once these initiatives are implemented, Toys R Us stores will be interactive spaces with rooms to use for parties, live product demonstrations put on by trained employees, and the freedom for employees to remove product from boxes to let kids play with the latest toys," he said.

That's the model that would have worked all along. It's a game Target and Wal-Mart are unlikely to play, and one that Amazon, for obvious reasons, can't.

Bankruptcy may clear some debt and let the company shed some leases, but it needs to change in order not just slowly fall into the same hole. Toys R Us has to go from being a place that sells toys and games to one that's full of activities, experiences, and discoveries for kids and adults alike. The chain needs to transform from store to destination and it does that, then sales will follow.

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85. Part of Eminem's music catalog is going public, giving you a chance to own shares of itПн., 25 сент.[−]

eminem 3Kevork Djansezian/Getty

A part of Eminem's music catalog will soon be going public through a new company, according to a Bloomberg report.

Jeff and Mark Bass, the brothers who discovered the Detroit rapper, Marshall Mathers, have agreed to sell the part of Eminem's catalog that they still own to Royalty Flow, a new subsidiary company of the online music-rights marketplace Royalty Exchange.

A press release from Royalty Flow states that the brothers "own producer credits and additional royalties on all Eminem recordings and releases from 1999 [to] 2013."

The Bass brothers will sell up to 25 percent of their interest in Eminem's music to Royalty Flow, whose executives told Bloomberg that they plan to buy the stake through fundraising in a "mini initial public offering."

Royalty Flow is looking to raise between $11 million and $50 million, according to the release, and the Bass brothers will reportedly make either $9.75 million or $18.8 million from the stock sale, depending on if they commit to sell 15 or 25 percent of their stake.

If Royalty Flow reaches its minimum funding goal, the company will then file to list it with NASDAQ, according to Variety.

Bloomberg notes that investors have historically had few chances like this to invest in the music business directly, as large corporations in the industry have dominated the field.

In 2012, however, a law made it easier for small businesses like Royalty Flow to raise funds. As a result, investors are reportedly eyeing an increased demand in streaming as a sign that Eminem's catalog will prove to be increasingly valuable over time.

"If you're a fan and wanna bet on that artist, you've got some skin in the game,” Joel Martin, a business partner of the Bass brothers, told the outlet. "It takes the average investor and puts them in a position they wouldn't be in before."

Read Bloomberg's report here.

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86. The world's largest hedge fund is developing an automated 'coach' that acts like a personal GPS for decision-makingПн., 25 сент.[−]

Ray DalioHollis Johnson

  • Bridgewater Associates founder Ray Dalio believes that all organizations can benefit from automated management systems.
  • Bridgewater is developing a "coach" that acts like a personal GPS for decision-making.
  • The automated management processes parallel the automated investment systems the fund already uses.

"Whether you like it or not, radical transparency and algorithmic decision-making is coming at you fast, and it's going to change your life."

That's how Bridgewater Associates founder Ray Dalio opened his TED Talk in April, and the belief has guided his hedge fund for the past few decades. It's why Bridgewater's 1,500 employees are working with an artificial-intelligence management "coach" that is scheduled to reach a new level of capability and integration within the company in the next two or three years, according to Dalio.

Dalio explained to Business Insider in general terms how this will work:

"Let's say you're dealing with somebody who isn't doing a good job or is somebody who has a personal problem, maybe an illness, or whatever the person's circumstances are. What it does now is if you type into a 'coach' ... it then gathers information about the person and the circumstances, so they're there. It analyzes what they're like and provides guidance for what to do."

Employees can give daily updates about how they're feeling, and if, for example, one is feeling a 5 on a 1-5 scale of being overworked, the coach will notify that employee's supervisor and recommend that they reach out for a discussion.

Dalio said it's a direct parallel to the investment system that long been in place, which he likens to driving with a GPS. Since the 1980s, Dalio and his team have been creating investing algorithms based on tested theories. As Dalio explains in his book, human investors work alongside the automated investor, considering its suggestions and either acting on them or determining what the algorithms are missing. New algorithms can be adjusted when flaws are revealed.

While he chose to remain co-CIO, Dalio completed a seven-year transition phase away from management this year, and marked the occasion with a book tour around " Principles: Life and Work," the first of two he will write. In "Principles," Dalio shares the collection of insights that every Bridgewater employee reads, and explains that before he left the role of co-CEO, he ensured that the management principles would be automated as much as possible, in the same way that his investment principles already had been.

bridgewater ted slideBridgewater Associates via TEDThe management coach is in beta testing and is "providing a lot of help now" but "is not nearly there" in terms of reaching its potential, according to Dalio. He said that, like the automated investment system, it will always be evolving, but a "thorough version" should be available to Bridgewater employees within three years.

The idea is that it will have access to more information than any one person could have about the employees within the company.

This coach is linked to the existing management software at Bridgewater, including the "Dots" iPad app that Dalio publicly demonstrated for the first time in his TED Talk. In Dots, employees rate each others' performance in real time during meetings according to traits like assertiveness and open-mindedness, leaving contextual comments as necessary.

Dots ratings come into play with "believability-weighted decision making" process at Bridgewater. When a question is posed to a group, the averages of each employee's Dots ratings are considered.

For example, an investment decision may receive 13 "yes" votes and four "no" votes and still be denied because the four people who voted in the negative significantly outweighed those for the decision in relevant areas, like their experience level and capability for high-level strategy.

Dalio's ideal version of Bridgewater, then, takes its existing automated management programs and gives each employee a fully functioning coach that will help them interact with each other.

And, as he said in his TED talk, he thinks that Bridgewater is ahead of the curve on a global trend, and it's why he plans on making Bridgewater's proprietary management software available to the public in the near future.

"It's a little bit like playing chess and then also being able to have, when you're playing the chess, a computer chess system next to you making the moves," Dalio told us.

"So you make the move, it makes the move," he said. "You compare your moves and you think about them and then you refine them. Well, that's what we're doing in management."

NOW WATCH: THE RAY DALIO INTERVIEW: The billionaire investor on Bridgewater’s 'radically transparent' culture and how to bet on the future

87. A top Democrat is investigating Jared Kushner's use of private emailПн., 25 сент.[−]

Jared KushnerDrew Angerer/Getty Images

A top Democrat launched an investigation Monday into White House senior adviser Jared Kushner's use of private email while serving in the Trump administration.

Rep. Elijah Cummings of Maryland, the ranking member of the House Committee on Oversight and Government Reform, sent a letter to Kushner following Politico's report on Sunday detailing the adviser's use of private email while serving in the White House.

"Before requesting copies or calling for the public release of all official emails you sent or received on your personal email account, I first request that you preserve all official records and copies of records in your custody or control and that you provide the information requested below," Cummings wrote. "Your actions in response to the preservation request and the information you provide in response to this letter will help determine the next steps in this investigation."

Kushner, President Donald Trump's son-in-law, set up a private email account in December and has used it since to discuss official government business with fellow administration officials, Politico reported.

Some of those officials included former White House chief of staff Reince Priebus, former White House chief strategist Steve Bannon, and National Economic Council chairman Gary Cohn.

Though Kushner's lawyer said the adviser "uses his White House email address to conduct White House business," he admitted that Kushner had utilized a personal email account to discuss government business.

"Fewer than 100 emails from January through August were either sent to or returned by Mr. Kushner to colleagues in the White House from his personal email account," the lawyer said. "These usually forwarded news articles or political commentary and most often occurred when someone initiated the exchange by sending an email to his personal rather than his White House address."

"Kushner has adhered to government record-keeping requirements by forwarding all the emails to his account," the lawyer added.

Cummings highlighted a March 8 request that he and former Oversight Committee chairman Jason Chaffetz sent to White House Counsel Donald McGahn asking whether any senior-level administration officials used private email accounts to conduct official government business. Cummings' release pointed to an April 11 response from White House Director of Legislative Affairs Marc Short, who said, "There are no senior officials covered by the PRA [Presidential Records Act] with multiple accounts."

"This statement appears to be inaccurate," Cummings wrote. "Although it is possible that Mr. Short was referring to senior officials with multiple official governmental email accounts and that he did not know about your personal email account at the time he wrote this letter to the committee."

Cummings additionally asked Kushner to provide the addresses for all private email accounts he used to conduct any government business, a list of all the emails he either sent or received at those addresses that involved official government business, and information about the security of the domain he used.

NOW WATCH: Steve Bannon: Firing Comey was the biggest mistake in 'modern political history'

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88. Brazil is struggling with scandals and crises, and people there may look to the military for a fixПн., 25 сент.[−]

Armed Forces take up position during a operation after violent clashes between drug gangs in Rocinha slum in Rio de Janeiro, Brazil, September 22, 2017. REUTERS/Ricardo MoraesThomson Reuters

  • Corruption and a weak economy have frustrated Brazilians.
  • Many in the country have expressed waning support for democratic governance.
  • Some Brazilians have even said they'd support the military stepping in for an ineffective government.

Shaken by economic downturn and a seemingly intractable corruption scandal, Brazil has struggled in recent years after seeing robust growth during the first decade of the 21st century.

Those struggles appear to be testing the Brazilians' commitment to democracy, and there are some appear more open to the military acting against an unpopular elected government.

After contracting each year between 2012 and 2016, the Brazilian economy officially emerged from recession in the second quarter of this year, but many of the country's more than 200 million residents still face hardship.

Unemployment fell to 13% in the second quarter of this year, though most of the jobs produced were in the informal sector. A national survey found per capita income fell between 2014 and 2015, and poverty levels rebounded from 8% in 2014 to 11% in 2016. The country remains one of the most unequal in the world.

Government policy has compounded public frustration. President Michel Temer — installed by the legislature in late 2016 after Dilma Rousseff, who was president during the economic downturn and later ousted over alleged budgetary malfeasance — has pursued austerity since taking over.

Demonstrators take part in a protest against Brazilian President Michel Temer and the latest corruption scandal to hit the country, in Brasilia, Brazil, May 24, 2017. The sign reads Thomson Reuters

The federal government is saddled with a $50 billion budget deficit, and Temer has capped federal spending for the next two decades and raised the retirement age. He has also pushed fiscal and labor reforms — the latter including cuts to unemployment insurance, extended working hours, and reduced vacation time. (The military has been exempted from these cuts.)

Rising crime has also contributed to dissatisfaction. In 2014, there were 59,627 homicides in Brazil, marking a 21.9% increase over a decade and pushing the homicide rate to 29.1 per 100,000 people. Though it is middle of the pack for homicides among Brazilian states, Rio de Janeiro has attracted international attention for its high levels of violence as well as for the state's inability to deal with it.

That economic turmoil and everyday insecurity comes alongside a corruption scandal that has ensnared politicians from many parties. At the time a congressional committee considered the impeachment case against Rousseff, 352 of the 594 members of Brazil's lower and upper houses of Congress faced charges or were being investigated for serious crimes.

FILE PHOTO: Brazil's President Michel Temer attends a meeting with representatives of the Brazilian Chamber of Construction Industry and businessmen, at the Planalto Palace in Brasilia, Brazil, May 25, 2017. REUTERS/Ueslei MarcelinoThomson Reuters

In addition to Rousseff being impeached, her predecessor, Luiz Inacio Lula da Silva, was convicted on corruption charges this summer and sentenced to nearly 10 years in prison, though he remains free pending appeal (and may run for president again).

Temer survived a vote on corruption charges in Brazil's Congress in August, but a new corruption investigation against him was approved by a judge this month.

Temer now finds himself with some of the lowest approval ratings in Latin America — lower than even Venezuelan President Nicolas Maduro.

Speaking in New York City on September 20, Temer described Brazil as making progress in its economic recovery and downplayed accusations that corruption there was deep-rooted.

Suggestions of systemic graft in Brazil are "only being voiced because people want to say that Brazil is this or that when it comes to corruption," Temer said at a Reuters event. "The fact of the matter is, nevertheless, that corruption is being tackled, and that of course gives investors more confidence. Investors who come to Brazil will not have any problem with the corruption factor."

Despite those reassurances about investor confidence, democratic sentiment appears to be eroding in Latin America's biggest country.

According to last year's Latinobarometro report, which measures public opinion throughout the region, support for democracy fell from 54% in 2015 to 32% in 2016. That was twice as big as the next largest decline (Chile, down 11 percentage points) and put Brazil ahead of only Guatemala, where only 31% of the public expressed support for democracy.

"The fall in the support for democracy in Brazil is linked directly to the fight against corruption and the political crisis," the report's authors wrote.

brazil protest rousseffAssociated Press/Andre Penner

While many in Brazil no doubt still favor Rousseff and left-wing policies pursued by her government and that of her predecessor, some segments of the public have made a rightward turn.

A 2016 poll found that Brazilians of all stripes had become more conservative, with 54% of respondents moving right on social and justice issues. The number of conservative Christians has grown as well — people who self-identify as evangelical Christians jumped to 22.2% from 6.6%, and the number of evangelical Christians lawmakers in the national legislature has increased.

A New York Times report earlier this year found fewer conservatives among those protesting in Brazil, but those still on the streets evinced more hardline right-wing views. Some of them were even advocating for a military intervention like that of 1964, which led to a 21-year dictatorship that committed many human-rights abuses.

"With the state Brazil is in, I don’t see another option," a businessman marching with other retired soldiers told The Times. The military is one of Brazil's most popular institutions, and he is not the first to express such a feeling.

A 2015 report by the Latin America Public Opinion Project found Brazilians "who find it justifiable for the military to intervene under conditions of high corruption is high in comparison to other countries, and has increased significantly in the last two years."

Brazil Sao Paulo protest homelessREUTERS/Nacho Doce

That report found that 47.6% of adults in Brazil saw a military coup as justified under conditions of high corruption. Even 45.6% of Brazilians who said the government at the time was "good" or "very good" said they would support intervention under those conditions.

Public-opinion polls earlier this year found one in three Brazilians favoring military intervention as a corrective.

A more prominent evangelical Christian movement and more support for an domestically active military may go hand in hand.

"When I conducted my Ph.D. field research in Belem in the early '90s, Pentecostals were uniformly nostalgic for the 'good old days' of the military dictatorship because they said there was more order and way less street crime," Andrew Chesnut, a professor of religious studies at Virginia Commonwealth University, told Business Insider.

Pentecostals make up 70% of all Protestants in Brazil, Chesnut said, and the country is home to the largest population of Pentacostals in the world. Though there hasn't been polling showing it, Chesnut said he suspected "most Brazilian Pentecostals would welcome a return to military rule for the same reasons."

The BOPE, a specialized military-police force, even has its own evangelical congregation. According to Folha de São Paulo, many of its congregants are looking to reconcile their often-lethal operations with their Christian faith.

BOPEVictor R. Caivano/AP

Even some members of the military have suggested they could step into domestic political affairs.

On September 16, the commander of Brazil's military in the Amazon region tweeted that his force was doing everything "possible and even impossible" to protect the frontier. He then retweeted a reply to his tweet saying that Brazil's "biggest enemies are in Brasilia."

In a speech the next day, the military's financial chief, Antonio Hamilton Mourão, said his "comrades in the army high command" understood that a "military intervention" could be adopted if the judiciary "does not solve the political problem."

Mourão, who was discharged and transferred to administrative duty in 2015 after criticizing Rousseff, said the military wouldn't be able to take power from civilians but would act to tell Brazilians, "let's fix this now so the country can move forward."

Brazil army soldiers Amazon jungle Colombia border drug trafficking gangsREUTERS/Adriano Machado

The Brazilian army commander dismissed Mourão's comments, saying there was "no possibility" of military intervention,

The military was "not responsible for any source of turmoil in the nation's life, and it will continue to be like that," he said, echoing comments he made late last year after similar calls for intervention were made.

While there are no signs the Brazilian military is looking to seize power, public sentiment does suggest the country is poised for a backlash against its current government.

As has happened in other countries in recent years, widespread dissatisfaction with Brasilia may rally voters around whomever promises to resolve the problems they face.

"What people want is results; it's outcomes. If outcomes come through the left or the right, it matters less," Temer said on September 20, when asked if rising approval for Lula could signal growing support for the left in Brazil. "Since I started participating in the public life, I see that the population is not interested if it's coming from the hands of the state or the private sector … the population wants results."

NOW WATCH: The Rio Olympics were only a year ago, but the venues look like they've been deserted for decades

89. Watch LeBron James' powerful speech about Trump and anthem protestsПн., 25 сент.[−]

LeBron James spoke his mind at the Cleveland Cavaliers' media day on Monday, covering topics including the widespread protests during Sunday's NFL games, and his critiques of President Donald Trump.

Following is a transcript of the video.

LEBRON JAMES: I salute the NFL, the players, the coaches, the owners, the fans and anyone who had any association with the NFL yesterday was unbelievable. It was solidarity. There was no divide. Even from that guy who continues to try and divide us as people.

Like I said on social media a couple days ago, that kind of frustrated me and pissed me off is the fact that he's now, he's using the sports platform to try and divide us. Sports is so amazing. What sports can do for everyone. No matter the shape or size or race or ethnicity or religion or whatever. People find teams and players. People find colors because of sports. They just gravitate that and makes them so happy, and it brings people together.

We're not going to let, I'm not going to let, while I have this platform, let one individual regardless of the power or impact he or she should have, ever use sports for a platform to divide us. Then you go to the other side, when you don't talk about sports, and you divide us from that side as well.

The one thing that I can say is how can we personally throughout everything that guy is doing, no matter if you voted for him or not, you may have made a mistake, that's ok. If you voted for him, that's ok. I've done things to my kids, and then realized I shouldn't have given my kids that many damn skittles. Maybe I shouldn't have done that and she won't go to sleep now.

Can we sit up here and say that I'm trying to make a difference. Can we sit up here and say that I can look myself in the mirror and say that I want the best for the American people. No matter the skin color, race, how tall or athletic you are. Can we sit up here and say that we are trying to make a difference? Because we know this is the greatest country in the world. It's the land of the free, but we still have problems just like everyone else.

When we have those problems, we have to find a way to come together and be as great as we can. Because the people run this country, not one individual. It's damn sure not him.

As I got this platform and a way to inspire for my word to be bond, I will lend my voice, passion, money, resources to my youth, my inner city to let these kids know that there is hope. There's greater walks of life. Not one individual, even if it's the president of the United States or someone in your household, stop you from dreams becoming reality.

It's just that simple.

REPORTER: Is there any regret that you got into a name calling situation with the president?

JAMES: No. Name calling? What did I say? Let me hear you say it.

REPORTER: You called him a bum.

JAMES: That's not a name call. You a bum. Me and my friends call each other that all the time. I'm not his friend though. I don't ever want to see that on a note. He's not my friend. That was the first thing that when I woke up and saw what he said about Stephen Curry.

It's so funny because it's like you invite me to your party. Matter of fact it's not like you invited me, it's like I'm not going to be able to make it. I'm not coming. And then he be like, hey LeBron guess what? You're not invited. I wasn't coming anyways.

So that was funny to me when I woke up and saw that. My first response was you a bum.

You don't understand the magnitude. He doesn't understand the power that he has for being the leader of this beautiful country. He doesn't understand how many kids, no matter the race, look up t the president for the United States for guidance, leadership, for words of encouragement. He doesn't understand that.

That's what makes me more sick than anything, that we have someone who's in the number one position in the world. You guys agree? The president of the United States is the most powerful position in the world. I don't know of another one. If you find one let me know.

We're at a time when where most powerful position in the world has an opportunity to bring us closer together as a people and inspire the youth and put the youth at ease saying that it's ok to walk down the street and not be judged by the color of my skin or race.He has no recollection of that. He doesn't even care. Maybe he does. But he doesn't care. Do I just takeaway you bum off my, no. Because if I did that then I would've deleted my tweet."

He has no recollection of that. He doesn't even care. Maybe he does. But he doesn't care. Do I just take away you bum off my, no. Because if I did that then I would've deleted my tweet.

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90. A Steelers lineman and Army vet has become a face for those who say players should not protest the anthemПн., 25 сент.[−]

alejandro villanuevaAs teams and players around the NFL sat, kneeled, and linked arms during the national anthem on Sunday, Pittsburgh Steelers offensive tackle Alejandro Villanueva stood by himself.

The Steelers had reportedly agreed to stand in the locker room tunnel together during the anthem, according to ESPN's Jeremy Fowler, but Villanueva, an Army veteran, stood outside of it, by himself, with his hand over his heart.

Villanueva, who served three terms in Afghanistan, did not comment after the game.

According to Fowler, the move caught some Steelers by surprise, not because of the gesture, but because it had not been agreed upon. Steelers coach Mike Tomlim told reporters after the game that he only wanted his team to be together 100%.

"Many of them felt like something needed to be done," Tomlin said ( via Fox News' Greg Norman). "I asked those guys to discuss it and whatever they discussed that we have 100 percent participation or we do nothing. They discussed it for an appropriate length of time and they couldn’t come to an understanding, so they chose to remove themselves from it."

Tomlin added: "Like I said, I was looking for 100 percent participation. We were gonna be respectful of our football team."

James Harrison told Penn Live's Jacob Klinger: "We thought we were all in attention with the same agreement, obviously. But I guess we weren't."

Not all Steelers players were bothered or surprised by Villanueva's decision, however. According to Fowler, Steelers players respect Villanueva for his service. Guard David DeCastro said he wishes there was a different form of protest for Villanueva's sake:

"Al is a unique circumstance, what he's been through, some of the things he's talked about before ... I've got a lot of respect for Al. I wish there was a different way to do this thing. We've got some people who look at the national anthem as patriotism, soldiers, all the stuff that it means, and obviously, people are upset, and I understand that. I just wish both sides understand that they want the right thing, but doing it through the national anthem, I wish there was a different way."

Fans apparently appreciated Villanueva's gesture. According to ESPN's Darren Rovell, by Monday, Villanueva was the top-selling jersey in the entire NFL.

Last year, Villanueva said he didn't agree with Colin Kaepernick's decision to kneel during the national anthem ( via ESPN).

"I don't know if the most effective way is to sit down during the national anthem with a country that's providing you freedom, providing you $16 million a year ... when there are black minorities that are dying in Iraq and Afghanistan for less than $20,000 a year. It's his decision. Obviously he has brought up the issue in a great way. But I think if he encourages other players or other people in the stands to sit down, it's going to send the wrong message."

Villanueva also said at the time that he'd be willing to "hold hands" with Kaepernick and discuss any issues.

This past August, the Washington Post's Adam Kilgore asked Villanueva if his thoughts had changed now that Kaepernick was unemployed, and his tone changed slightly.

"I absolutely think he was very brave for what he did," Villanueva said. "I don’t necessarily agree with the fact he kneeled down for the national anthem. I also don’t understand every single circumstance going on in his life. I do it because of all the veterans, all the soldiers I served with."

Villanueva had said that he couldn't fully comprehend Kaepernick remaining unsigned because other players kneeled during the anthem and remained on a team and that he didn't know about Kaepernick's abilities as a quarterback. He said there's no law saying players have to respect the flag.

"I think it’s a personal decision. I think it’s respect. But if you don’t want to be respectful toward the American flag, I don’t think there’s any law that says you have to be respectful."

It's unclear where national anthem protests go from here or what the Steelers plan to do next week. Ben Roethlisberger has already said he regrets how the Steelers chose to remain in the locker room on Sunday. However, regardless of their decision, it doesn't appear that Villanueva will change his mind.

NOW WATCH: Watch LeBron James defend calling Trump a bum on Twitter

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91. 16 psychological tricks to make people like you immediatelyПн., 25 сент.[−]

laughing fun coworker friends nice laugh talkStrelka Institute for Media, Architecture and Design/Flickr

It's hard to say exactly why you like someone.

Maybe it's their goofy smile; maybe it's their razor-sharp wit; or maybe it's simply that they're easy to be around. You just like them.

But scientists generally aren't satisfied with answers like that, and they've spent years trying to pinpoint the exact factors that draw one person to another.

Below, we've rounded up some of their most intriguing findings. Read on for insights that will cast your current friendships in a new light — and will help you form better relationships, faster.

Flickr/Art Comments

1. Copy the person you're with

This strategy is called mirroring, and involves subtly mimicking another person's behavior. When talking to someone, try copying their body language, gestures, and facial expressions.

In 1999, New York University researchers documented the " chameleon effect," which occurs when people unconsciously mimic each other's behavior. That mimicry facilitates liking.

Researchers had 72 men and women work on a task with a partner. The partners (who worked for the researchers) either mimicked the other participant's behavior or didn't, while researchers videotaped the interactions. At the end of the interaction, the researchers had participants indicate how much they liked their partners.

Sure enough, participants were more likely to say that they liked their partner when their partner had been mimicking their behavior.


2. Spend more time around the people you're hoping to befriend

According to the mere-exposure effect, people tend to like other people who are familiar to them.

In one example of this phenomenon, psychologists at the University of Pittsburgh had four women pose as students in a university psychology class. Each woman showed up in class a different number of times. When experimenters showed male students pictures of the four women, the men demonstrated a greater affinity for those women they'd seen more often in class — even though they hadn't interacted with any of them.

Tony Gentile/Reuters

3. Compliment other people

People will associate the adjectives you use to describe other people with your personality. This phenomenon is called spontaneous trait transference.

One study published in the Journal of Personality and Social Psychology found that this effect occurred even when people knew certain traits didn't describe the people who had talked about them.

According to Gretchen Rubin, author of the book "The Happiness Project," "whatever you say about other people influences how people see you."

If you describe someone else as genuine and kind, people will also associate you with those qualities. The reverse is also true: If you are constantly trashing people behind their backs, your friends will start to associate the negative qualities with you as well.

See the rest of the story at Business Insider

92. Here are the top-ranked fashion brands in the worldПн., 25 сент.[−]

pradaCathal McNaughton/Reuters

It's been a strange year for high fashion. First, people freaked out when Balenciaga sold a $2,145 replica of an IKEA tote that costs less than $1. Then, Prada charged shoppers $185 for a branded paper clip.

Nonetheless, the global brand consultancy Interbrand found that luxury labels still have a place in the hearts and closets of global shoppers. This year, eight luxury fashion brands earned a spot in its list of the top 100 global brands, which we first saw on Business of Fashion.

This figure, however, isn't exactly promising for the fashion world, as most of the brands included in this year's list fell in rank. Ralph Lauren declined so heavily that it fell off the list entirely.

Keep scrolling to see the eight high fashion labels that made the list of the top 100 global brands, ranked from worst to best.

Dior landed the 95 spot on the list. Last year, it ranked 89.

Mal Langsdon/Reuters

Dior seems to have fallen out of touch with millennials and landed at the bottom of the list. It put up a good, relatable effort with a "We Should All Be Feminists" T-shirt, but ultimately fell short when the shirt came with an aspirational $710 price tag.

Prada took a nosedive, falling from the 81 spot in 2016 to 94 in 2017.

Cathal McNaughton/Reuters

Prada, which is in the midst of a rebranding effort, also seems to be out of touch with its clients. In June, Prada caught heat for selling a $184 paper clip.

Burberry declined by three spots this year, ranking at 86. In 2016, it ranked 83.

Alessia Pierdomenico/Reuters

Known for its sartorial check print, Burberry failed to stack up against competitors this year.

See the rest of the story at Business Insider

93. Oprah says every guest asks her the same question after their interviews – but she was still shocked when Beyonc? asked itПн., 25 сент.[−]

Getty Images oprah winfrey beyonce hbo life is but a dreamLarry Busacca/Getty Images

The INSIDER Summary: Since 1989, Oprah Winfrey says she has interviewed more than 37,000 people. INSIDER attended a panel for OWN's upcoming reality series, "Released," at the Tribeca TV Festival in New York City, where Winfrey said there's one question every person asks after an interview. That question is: How did I do? Even though Winfrey described that need for validation as the "common denominator" between all the people she has interviewed, she had a funny response when Beyoncé asked it.

Oprah Winfrey says that every person she has interviewed – including President Barack Obama and Beyoncé – have asked her the same question after interviews.

"Everybody that I ever interviewed after every interview at some point somebody would say, ‘How was that? Was that OK? How’d I do?’ And that is whether it was Barack Obama or Beyonce or the guy who murdered his kids or the guy who molested kids or somebody who had gone on and lost their family," Winfrey said during a panel for OWN's new reality series, "Released," Friday at the Tribeca TV Festival in New York City.

It's incredible that every interviewee – over "4,589 shows and over 37,000 people [who I interviewed] one-on-one in person," as Winfrey put it – have asked her if they did OK. Winfrey said that this question is the "common denominator" for all her guests no matter who they are.

Given that fact, Winfrey has had time to think about why all her guests seek approval for their performance during the interview and explained what she came up with.

"Everybody just wants to know that you heard me, you saw me, and that what I said mattered," Winfrey said.

Yet no matter how many times she heard the question and from all the notable people who asked it, Winfrey was still surprised when chart-topping, internet-breaking Beyoncé sought the same validation from Winfrey after an interview.

"When I got to Beyoncé, I said, 'Girrrrrrl, you're Beyoncé," Winfrey joked.

She told the story during the panel for "Released," which documents the lives of former inmates during the critical first few months after being released from prison, because she feels that like her interview guests these former inmates want their stories to be heard.

"Released" premieres Saturday, September 30 at 10 p.m. ET on OWN.

Watch the full Tribeca TV panel for "Released" below:

NOW WATCH: Here are all the major changes coming to your iPhone September 19

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94. THE VOICE ASSISTANT LANDSCAPE REPORT: How artificially intelligent voice assistants are changing the relationship between consumers and computersПн., 25 сент.[−]

bii consumer usage and interest in VAs global 2017 accentureBI Intelligence

This is a preview of a research report from BI Intelligence, Business Insider's premium research service. To learn more about BI Intelligence, click here.

Advancements in a bevy of industries are helping intelligent digital voice assistants like Apple's Siri and Amazon's Alexa become more sophisticated and useful pieces of technology.

Advances in artificial intelligence (AI) are allowing them to accurately understand more information, while upgrades to mobile networks are facilitating quick transfers of data to robust clouds, enabling fast response times. In addition, the swell of internet connected devices like smart thermostats and speakers is giving voice assistants more utility in a connected consumer's life.

Increasingly sophisticated voice assistants and the growing potential use cases they can assist in are driving consumers to adopt them in greater droves — 65% of US smartphone owners were employing voice assistants in 2015, up significantly from 30% just two years prior. Consumers are also eagerly adopting speaker-based voice assistants, with shipments of Google Home and Amazon Echo speakers expected to climb more than threefold to 24.5 million in 2017, according to a report from VoiceLabs.

However, there are still numerous barriers that need to be overcome before this product platform will see mass adoption, as both technological challenges and societal hurdles persist.

In a new report, BI Intelligence explains what's driving the recent upsurge in adoption of digital voice assistants. It explores the recent technology advancements that have catalyzed this growth, while presenting the technological shortcomings preventing voice assistants from hitting their true potential. This report also examines the voice assistant landscape, and discusses the leading voice assistants and the devices through which consumers interact with them. Finally, it identifies the major barriers to mass adoption, and the impact voice assistants could have in numerous industries once they cross that threshold.

Here are some key takeaways from the report:

  • Voice assistants are software programs that respond to voice commands in order to perform a range of tasks. They can find an opening in a consumer’s calendar to schedule an appointment, place an online order for tangible goods, and act as a hands-free facilitator for texting, among many, many other tasks.
  • Technological advances are making voice assistants more capable. These improvements fall into two categories: improvements in AI, specifically natural language processing (NLP) and machine learning; and gains in computing and telecommunications infrastructure, like more powerful smartphones, better cellular networks, and faster cloud computing.
  • Changes in consumer behavior and habits are also leading to greater adoption. Chief among these are increased overall awareness and a higher level of comfort demonstrated by younger consumers.
  • The voice assistant landscape is divided between smartphone- and speaker-based assistants. These distinctions, while important now, will lose relevance in the long run as more assistants can be used on both kinds of devices. The primary players in the space are Apple's Siri, Microsoft's Cortana, Google Assistant, Amazon's Alexa, and Samsung's Viv.
  • Stakes in the competition for dominance in the voice assistant market are high. As each assistant becomes more interconnected with an ecosystem of devices that it can control, more popular platforms will have a sizable advantage.

In full, the report:

  • Identifies the major changes in technology and user behavior that have created the voice assistant market that exists today.
  • Presents the major players in today's market and discusses their major weaknesses and strengths.
  • Explores the impact this nascent market poses to other key digital industries.
  • Identifies the major hurdles that need to be overcome before intelligent voice assistants will see mass adoption.

Interested in getting the full report? Here are two ways to access it:

  1. Subscribe to an All-Access pass to BI Intelligence and gain immediate access to this report and over 100 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. » Learn More Now
  2. Purchase & download the full report from our research store. » Purchase & Download Now

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95. STOCKS SLIP: Here's what you need to knowПн., 25 сент.[−]

slide water slideChung Sung-Jun/Getty Images

All three major US stock indexes fell in trading on Monday as a number of geopolitical events grabbed the headlines.

The biggest loser was the tech-heavy Nasdaq, which fell nearly 1%. The Dow Jones industrial average and S&P 500 also declined, but by a smaller percentage.

We've got all the headlines, but first, the scoreboard:

  • Dow: 22,294.53, -55.06, (-0.25%)
  • S&P 500: 2,496.68, -5.59, (-0.22%)
  • Nasdaq: 6,371.59, -55.33, (-0.86%)
  1. General Electric sold its Industrial Solutions business for $2.6 billion. The unit was sold in a deal with ABB, a power-grids maker, and the transaction includes an agreement for long-term use of GE's brand and a strategic partnership.
  2. Allergan announced a $2 billion stock buyback. The maker of Botox authorized the buyback after the FDA issued a (RTF) letter on Friday. It came with regard to Allergan's application for Vraylar, a drug intended to treat negative symptoms in adult schizophrenic patients.
  3. Texas business owners are struggling with a qualified worker shortage. The latest Texas Manufacturing Outlook Survey released monthly by the Dallas Federal Reserve showed that many executives are worried about finding workers and rebuilding their state after Hurricane Harvey.
  4. Bitcoin surged higher. The digital coin, which has been sliding the past couple days amid uncertainty about the future of cryptocurrencies in China, was trading up nearly 7% at $3,920 per coin.
  5. Republicans have one week to pass their final Obamacare repeal attempt. The Graham-Cassidy bill, the latest and likely last GOP healthcare bill for some time, must be passed by September 30. It faces, however, hold-out Republican senators from both ideological sides of the conference and tough funding math.


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96. You can pre-order Amazon’s best Fire tablet yet right nowПн., 25 сент.[−]

The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships, so we get a share of the revenue from your purchase.

61HbG0WvN3L._SL1000_AmazonFor the past couple of months it's been hard to find Amazon's Fire HD 10 tablet in stock, and now we know why.

The company went back to the drawing board to create the next generation of the tablet, which may look the same, but should feel different.

Amazon has improved every major component of the HD 10 to be more competitive, while also lowering its starting price.

The first upgrade you'll notice if you pick one up is the increased screen resolution. This is the first Fire tablet with a 1080P display (the exact resolution is 1920 x 1200) since 2012, and it should make reading a lot easier. It's also the first Fire tablet ever to have 2GB of RAM (memory), start at 32GB of storage space, and have an up-to 1.8ghz quad-core processor.

Like its other siblings, you'll be able to augment the internal storage with a Micro SD card up to 256GB — more than enough for even the biggest media lover. You'll also have access to the library of Fire tablet apps, all of which should run better on the nicer hardware. Of course, all of your Amazon content will be instantly accessible once you sign in.

Although Alexa has been available on Fire tablets for a little while now, the HD 10 will support a new "hands free" mode. You'll be able to activate Alexa to ask questions, set alarms, and control your smart home accessories through the tablet with only your voice. Given the large marketplace for Echo-compatible smart home accessories, this is a pretty big deal.

The only place where the Fire HD 10 wasn't upgraded significantly was its camera system. It has the same 2 megapixel rear camera and VGA front-facing camera. You probably won't take a lot of pictures with this tablet, but it's a spec that sticks out given the overall improvements Amazon made to the rest of the system.

Still, it's a small concession, especially since this tablet has been upgraded in ways that most people will notice more often. It's also worth noting that Amazon managed to reduce the price of the HD 10 by $80 over the previous generation.

If you're interested in getting the new Fire HD 10 the day it goes on sale, you can pre-order one right now. Amazon hardware has a habit of going in and out of stock when it's first released, so it's better to be safe than sorry.

Pre-order the all-new Fire HD 10 Tablet on Amazon for $149.99. The tablets start shipping on October 13, 2017.

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97. The Detroit Lions lost in heartbreaking fashion when the game-winning touchdown was overturned and a rule ran out the clockПн., 25 сент.[−]

Lions lose on runoffAP Photo/Paul Sancya

The Detroit Lions lost an absolute heartbreaker to the Atlanta Falcons at home on Sunday.

After trailing the entire game, the Lions spent all three of their timeouts as the defense forced a three-and-out late in the fourth quarter to give Matthew Stafford and company the chance to drive the field for the winning touchdown.

Starting from their own 11-yard line, the Lions marched down the field and made it to the red zone with just 34 seconds remaining in the game. Stafford missed receiver Eric Ebron on first and second down, but Marvin Jones earned a pass interference in the end zone to give the Lions first-and-goal from the one-yard line with 19 seconds left.

The Lions were forced to throw in order to preserve as much time as possible, and passes on first and second down fell incomplete. On third down, the chaos began.

The ball was snapped with 12 seconds left on the clock and Stafford quickly completed a short pass to wide receiver Golden Tate who appeared to cross the plane of the goal line while falling to the ground. The referees called the play a touchdown on the field and the crowd at Ford Field went wild. The clock stopped with eight seconds remaining in the game.

As with any scoring play, the touchdown was automatically reviewed by the officials, and the result would leave the home crowd devastated.

After looking at the replay, the referees determined that Tate had been down just inches short of the end zone. At first, many fans thought this meant the Lions would get one more shot at punching the ball in with a win. Unfortunately, due to the overturned play occurring in the final two minutes of the game, a 10-second runoff was applied to account for the incorrect stoppage.

The Lions had no timeouts left to prevent the runoff, and since there were less than 10 seconds left in the game, the game went final with Detroit sitting just inches away from upsetting the 2016 NFC Champions in front of the home crowd.

Oddly enough, the Lions lost because the referees gave them the winning touchdown on the field.

What made the ending especially controversial was the fact that the clock had eight seconds left when the play went to the booth. Had there been just two seconds left, it would've been impossible for the Lions to get to the line in time to pull off their final snap, but with eight seconds it would have been close at the very least.

After the game, Lions coach Jim Caldwell was asked if he thought the Lions would have been able to get off one more play on fourth down had the play initially been called short of the goal line. "Certainly," he said. "We practice it all the time."

While some on Twitter believed that the clock would have run out either way on the Lions, the organization appears to disagree, with the Lions official Twitter account tweeting out rebukes to some that questioned their speed.

Amazingly enough, as SB Nation's Matt Ufford noted, the controversial finish occurred exactly five years after Tate's "Fail Mary" catch for the Seattle Seahawks that gave them a walk-off win over the Packers on Monday Night Football during the "replacement ref" season.

The Lions still look like a strong team going forward in the season, sporting a 2-1 record and coming just inches short of a 3-0 start to the season. That said, if the Lions finish just outside of the NFC playoff picture this season, there's no doubt they'll be thinking back to this game.

NOW WATCH: How 46-year-old WWE superstar Chris Jericho stays in amazing shape

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98. Apple is putting the finishing touches on its $5 billion campus — and it looks stunning (AAPL)Пн., 25 сент.[−]

Apple ParkSteve Kovach

At long last, Apple's new "spaceship" headquarters looks like it's just about done.

Matthew Roberts offers the latest look at the iPhone maker's new headquarters with video from a pair of drone flights. The video offer glimpses of Apple's new campus, dubbed Apple Park, during the day and at sunset.

Although employees started to move to Apple Park in April, the video indicates there's still a little bit of work to be done, mostly landscaping and other finishing touches.

Apple opened part of its new $5 billion headquarters to the public earlier this month but kept other parts of the campus off-limits. Journalists and analysts attended Apple's iPhone event at the company's new Steve Jobs Theater, but they didn't get a close look at the complex's main building, a ring one mile in circumference that has been nicknamed the "spaceship."

Luckily, drone photographers have done a fantastic job of documenting the campus' six-year construction process and are still posting looks at Apple Park from the sky. Take a look:

This is Apple's new headquarters.

YouTube/Matthew Roberts

Here's what the new building looks like from the campus.

Steve Kovach/Business Insider

This photo was taken earlier this month.

Apple says it designed its new headquarters to look like one of its products.

YouTube/Matthew Roberts

From a distance, the "spaceship" certainly does looks like a new Apple gadget.

See the rest of the story at Business Insider

99. Media mogul Lachlan Murdoch just bought a $29 million mansion in Aspen — take a look insideПн., 25 сент.[−]

Aspen CO 1Photo courtesy of Realtor.com

Lachlan Murdoch, son of media mogul Rupert Murdoch and a leader of the family's $62 billion business empire, has reportedly purchased a $29 million estate in Aspen, Colorado, according to the Wall Street Journal.

Murdoch, 46, is co-chairman of News Corp. and executive chairman of 21st Century Fox. Earlier this year, the Financial Times reported that Murdoch has a passion for "mountain climbing and the great outdoors," so his purchase of the Mopani Estate, located on Buttermilk Mountain with views of Red Mountain, is no big surprise.

The home was most recently listed by its previous owner, tech entrepreneur Mark Schaszberger, for $44 million in June. It first appeared on the market for $49 million in 2015. Amy Doherty and Joshua Saslove of Douglas Elliman had the listing.

Below, take a look around the 44.6-acre property.

The main home on the property has 13,500 square feet of space.


There's also a guesthouse, complete with two bedrooms and two baths.


An outfitted horse stable also sits on the property.


See the rest of the story at Business Insider

100. Students can now major in 'medical plant chemistry' — or marijuana — at a Midwestern universityПн., 25 сент.[−]

marijuana tweed canopy growthBlair Gable/Reuters

• Students at Northern Michigan University can now major in medicinal plant chemistry.

• The school created the program in response to growing demand for trained analytical chemists in the marijuana industry.

• Students will not smoke marijuana as part of their coursework.

A small college in the Midwest has launched a program in of its chemistry department that gives new meaning to the phrase "higher education."

Northern Michigan University is offering a medicinal plant chemistry program — effectively, a major in marijuana — that will prepare students for careers in the burgeoning marijuana industry. It's the first degree of its kind at a four-year undergraduate college, CBS Detroit reports.

The school hopes to become a major pipeline for the legal marijuana business, which employs between 165,000 and 230,000 Americans — about as many people as there are dental hygenists working in the US.

"The need for this is so great. You go to some of these cannabis industry conferences and everyone is talking about how they need labs, they need labs," Brandon Cangield, an associate chemistry professor at NMU, told CBS Detroit. "Or the bigger operations are trying to set up their own labs in house and they need trained analysts. And the skill set required to perform these analysis is perfectly matched with an undergraduate level education."

northern michigan university marijuana degree programNorthern Michigan University screenshot

Students will take classes in chemistry, plant biology, and business entrepreneurship, and complete a capstone research project involving "experimental horticulture" and "instrumental analysis of natural products," according to the Northern Michigan University website.

There won't be much "hands on" experience, however. Cangield told CBS Detroit the school will not grow marijuana, but that could change if laws around cultivation become more flexible.

So far, 12 students have enrolled in the program at NMU. The head of the school's chemistry department told WXYZ ABC 7 he expects that number to double or triple by next fall semester.

Michigan voted to legalize medical marijuana use in 2008. There are over 218,000 residents holding medical marijuana cards in the state, which is up 76% since 2012.

NOW WATCH: Yes, organic marijuana is real — and you probably don’t want anything else

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Video, BI Original Video, TI Original Video, Sea Ice, Glacier, Pine Island Glacier, Antarctica, Science, Ice Shelf, Sea Level Rise, (1)
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Washington Examiner, Government Finance Officers Association, Tax Reform, Tax Cuts, Middle Class, (1)
White House, Jared Kushner, Elijah Cummings, Email, (1)
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По датам:
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2017-09-26, Вт. (77)
2017-09-25, Пн. (23)
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