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PHOENIX — A state agency pursuing ideas to increase Arizona's water supply has less than half the money it was promised by the Legislature. There's also no guarantee the ideas will make financial sense in the end. But the Arizona Water Infrastructure Finance Authority voted this past week to take the first step of asking companies to show how they could import more than 100 billion gallons of water from outside of the state. The water would supplement — and possibly replace — some of what is being used now to supply homeowners, industrial users and farmers. The board members want not just meaningful technical descriptions of how these companies could bring water to the desert. They want to know the price tag. One thing is for sure: It's going to cost more than Arizonans are paying now for the mix of groundwater and surface water that currently comes out of their taps. But importation may end up being the only option as local water supplies are dwindling and even the future of the state's Colorado River allocation remains uncertain. The water authority, known as WIFA, is pursuing what remains of a grandiose $1 billion plan by Republican former Gov. Doug Ducey to have the state desalinate water from the Sea of Cortez in Mexico. That plan blew up when word got out about behind-the scenes negotiations by the WIFA board solely with Israeli-based IDE Technologies, as Ducey was trying to have a deal inked by the time he left office in January 2023. The board members concluded after the controversy that they didn't have enough information. Now they are starting over, complete with an open solicitation process — and no pre-baked decisions that desalination is the answer. The panel is open to ideas ranging from bringing in surface water from other states to reclaimed water and "other" possibilities — "which means anything," said Ted Cooke, a WIFA board member who chairs the committee. "We want to have an open mind to have innovative ideas that go beyond the obvious ones,'' said Cooke. "And even the obvious ones have lots of potential regulatory, legal, political, permitting-type challenges.'' The bottom line is making sure that any of these ideas actually are viable, he said. A convergence of several factors is creating the need. The obvious one is that Arizona's population is growing. Another is the recognition that groundwater is not an infinite resource. Then there's the fact that the Colorado River has less water because of the long-term drought. Arizona, which already had its allocation of river water reduced, is virtually certain to have to accept future cuts. Cooke said some studies have shown the total anticipated "unmet demand'' for the entire state could be as high as 5 million acre-feet, with an acre-foot being the amount of water that could serve two or three average families a year. A more focused study of the areas served by the Central Arizona Project, the canal system that brings water from the Colorado River to Phoenix, Tucson and central Arizona farms, projected a need of between 100,000 and 500,000 acre-feet within 10 years. All of that was on the minds of Arizona lawmakers when they voted in 2022 to set aside $1 billion over three years for water augmentation projects, with a mandate that at least 75% of the water come from outside the state. Only thing is, Democratic Gov. Katie Hobbs, looking for places to cut funding, trimmed last year's allocation by half and eliminated entirely this year's $333 million payment. That leaves WIFA with about $450 million, said Chelsea McGuire, an assistant director at the agency. There's really nothing that can be built for that amount. In fact, even the $1 billion was seen only as a form of state participation: Estimates from the now-defunct Israeli plan put the price tag in the $5.5 billion range. So what that leaves at this point is to use WIFA's money to find someone who has the technical expertise, has a viable plan, and is willing to use at least some of its own funds to build. To make that work for any company ultimately chosen by WIFA, however, is the need to have guaranteed long-term customers. And that turns on the billion-dollar question: How much are water users willing to pay? The average monthly water bill for Phoenix is about $45 a month. Tucson's is pretty much the same. Multiply that by 12 and you're talking $540 a year. That covers everything from producing and treating water to maintaining the system that delivers it to the door. By contrast, estimates for desalination projects put the cost of treating and delivering an acre-foot of water at anywhere from $2,500 to $5,000 an acre-foot. Even assuming conservative use of water and that three families can be served with an acre-foot, that means adding anywhere from $830 to $1,600 extra a year to a water bill. At the same time, there are other costly — but less expensive — alternatives being explored to increase the supply of domestic water. One of the most talked about is "advanced water purification,'' sometimes more colorfully referred to as "toilet to tap.'' The Arizona Department of Environmental Quality just published draft rules to allow water that was flushed down toilets to be delivered to faucets after treatment. It's already viable technology. Scottsdale has a plant that is treating sewage to drinking water standards, though actually delivering it to people's homes will require an ADEQ permit. And Phoenix is retrofitting one of its sewage treatment facilities to produce drinkable water. Cooke noted that while the law authorizing WIFA to find water requires that 75% come from out of state, that still leaves room for the agency to explore options like this. "Ideally, we would have some idea of what are the viable options out there for in-state augmentation so we can compare the two and make the choices before we're fully subscribed to go out and get $4,000-an-acre-foot water for the whole 500,000 acre-feet that we think that we need — and no longer have the means or the opportunity to do something less expensive,'' he said. There's also the thought that once the state starts getting proposals to augment its water supply from an out-of-state source, someone may come up with something quite different that has not even been considered. That's exactly why the request for solicitations issued this past week deliberately does not spell out the technology to be used, said Jonathan Lines, who chairs the WIFA board. "We're not limited in scope or specifics,'' Lines said. "And we want to do what makes sense for Arizona long term, with no commitment today on what that path forward looks like.'' But there's another factor at work that could affect what the water will cost, whether it will be affordable, and even how many proposals the state will get: The failure of the state to live up to its commitment of $1 billion. McGuire said the message that goes out to those who might want to get involved is that "Arizona clearly isn't serious about this.'' And that, she said, will make some of them believe it is not worth their time to submit a proposal. There is a huge capital cost to such a project, whether desalination, a water pipeline from the Midwest or something else, McGuire noted. "We're going to have to play some role,'' she said, meaning having the state invest its own cash. Put simply, McGuire said any private developer forced to pick up all the costs would want a rate of return on that investment. In turn, that will drive up the costs of a delivered product to the point that no one will be willing to commit to long-term purchases, she said. "And so those end users like a Phoenix, whoever it might be, they say, 'Well, I don't know that I can afford that,' '' she said. Conversely, putting public dollars into those capital costs means the risk for the developer goes down — as does how much that entity needs to charge. "So state support is what makes this sustainable and financially feasible across the board," McGuire said. That, then, comes back to WIFA's finances. Recognizing the state budget situation, WIFA didn't even bother to ask Hobbs to restore the cuts in her proposed budget for next fiscal year. "Instead of 'give us more,' we're asking for a 'do no more harm' approach,'' said McGuire. In the meantime, she said, the WIFA board will do what it can to show the governor and lawmakers it's using the money it does have to show there are "tangible concepts'' out there to pursue. "So we're dedicated to showing our work, showing the value of the investment so far, before we ask for more,'' McGuire said. Hobbs, for her part, was noncommittal on future funding. "We're in the middle of our budgeting process right now so I can't speak to what that investment's going to look like,'' the governor said. But she insisted she is not trying to kill the plan. "I am absolutely committed to our water security,'' she said. "Water augmentation is an important part of that future. We are absolutely moving forward on feasible plans for augmentation.'' There's something else in how WIFA is conducting its business that is a bit unusual. In most solicitation requests for goods and services, a government agency puts out a request for what it wants and asks firms to say what they would charge. In this case, however, WIFA intends to select those it wants to hear more from about their ideas and plans. And at that point the agency will cover their expenses of proving the engineering and cost viability of their projects. McGuire said that's necessary given the scope of the work being sought. "To have that wholly flushed out and fully developed, I don't think it's something that a firm really is going to do for the state without some sort of compensation for doing that,'' she said. McGuire also said that putting these firms on contract to do a feasibility analysis of their proposed projects means the state will be getting "apples-to-apples'' information to compare and contrast them. "The other thing that it means is we also own that intellectual property at the end of the day because those teams are on contract to work for us,'' she said. That means if WIFA does not find submissions to be acceptable, the agency gets to keep and use all that research to pursue alternatives. Get your morning recap of today's local news and read the full stories here: tucne.ws/morning Howard Fischer is a veteran journalist who has been reporting since 1970 and covering state politics and the Legislature since 1982. Follow him on X, formerly known as Twitter, Bluesky , and Threads at @azcapmedia or email azcapmedia@gmail.com . Subscribe to stay connected to Tucson. A subscription helps you access more of the local stories that keep you connected to the community. Be the first to know Get local news delivered to your inbox!
United States President-elect Donald Trump is bringing Silicon Valley’s influence to the forefront of his administration, by appointing tech Titans for prominent positions. Recently, Trump announced the appointment of a managing partner at Venture Capital (VC) firm Andreessen, Scott Kupor, for the Office of Personnel Management. This key agency oversees recruitment and provides resources for federal employees. Speaking on his appointment, Trump said, Tekedia Mini-MBA edition 16 (Feb 10 – May 3, 2025 ) opens registrations; register today for early bird discounts. Tekedia AI in Business Masterclass opens registrations here. Join Tekedia Capital Syndicate and i nvest in Africa’s finest startups here . “Scott will bring much needed reform to our federal workforce”. Scott Kupor is an investing partner focused on growth-stage companies building in the bio and healthcare industries. He manages the firm’s investor relations team, and is responsible for the firm’s growth initiatives. He was the first employee at Andreessen Horowitz and managed the firm’s growth from $300 million in AUM to more than $40 billion. Prior to joining the firm, Scott worked as vice president and general manager of software-as-a-service at Hewlett Packard. Before that, he held numerous executive management positions at Opsware, including senior vice president of global field operations, vice president of financial planning and vice president of corporate development. In another high-profile appointment, Trump named Indian-American internet entrepreneur, Sririam Krishnan, as senior policy advisor for artificial intelligence at the White House Office of Science and Technology Policy. Krishnan, a former general partner at Andreessen Horowitz, has an extensive tech background with roles at companies such as Microsoft, Meta, Twitter, Snap, and Yahoo. He also has a close working relationship with Musk, having temporarily managed Musk’s social media platform, X, following its acquisition in 2022. Trump’s administration has also seen the appointment of seasoned technology expert and former Uber executive Emil Michael, as undersecretary of Defense for Research and Engineering. Trump highlighted Michael’s background in his announcement, stating, “Emil has lived the American Dream by building several successful Tech companies. He will ensure that our Military has the most technologically sophisticated weapons in the World, while saving A LOT of money for our Taxpayers.” Tech industry leaders have praised Trump’s appointments, with former Meta executive David Marcus calling them “remarkable picks” and Box CEO Aaron Levie describing them as “very strong.” In a twist of event during which several tech leaders often clashed with Trump, many of these Silicon Valley executives have now shown their support for the president-elect. Major tech leaders which include Meta, and OpenAl’s Sam Altman, have donated $1 million each to Trump’s inaugural committee, and many Silicon Valley leaders have made visits to His residence in Palm Beach, Florida, in recent weeks. The appointment of tech leaders to key positions in Trump’s administration signals a strong shift toward incorporating Silicon Valley’s influence into government operations. By selecting prominent figures from major tech companies, Trump is emphasizing a more business-oriented and innovation-driven approach to governance. These appointments suggest that the administration will prioritize government efficiency, cutting regulations, and leveraging technology to improve federal operations. Additionally, his close ties with Billionaire Tech Entrepreneur Elon Musk, who has become one of his closest advisors, could lead to stronger collaboration between the government and tech giants, potentially reshaping policies related to Al, cryptocurrency, and other emerging technologies. These appointments also reflect a more business-friendly environment, which could attract further support from the tech industry, shifting the administration’s stance from its earlier, more adversarial approach. Overall, the selection of Silicon Valley executive positions m Trump’s administration to drive tech-driven reforms, streamline government processes, and foster closer connections between the private sector and public policy.Cal staves off Sacramento State for third straight winTHESSALONIKI, Greece (AP) — Greece’s second largest city, Thessaloniki, is getting a brand new subway system that will showcase archaeological discoveries made during construction that held up the project for decades. The 9.6-kilometer inaugural line will officially open on Nov. 30, using driverless trains and platform screen doors. Construction began in earnest in 2003 and unearthed a treasure trove of antiquities in a vast excavation beneath the densely populated city of a million residents. “This project offers a remarkable blend of the ancient and modern, integrating archaeological heritage with metro infrastructure,” Christos Staikouras, the transport and infrastructure minister, told reporters Friday on a media tour of the subway. Tunneling followed ancient commercial routes through the center of the port city that has been continuously inhabited since ancient times. It exposed a Roman-era thoroughfare, ancient Greek burial sites, water and drainage systems, mosaics and inscriptions and tens of thousands of artifacts spanning centuries, also through Byzantine and Ottoman rule. The tunnels had to be bored at a greater depth than originally planned, adding cost and delays, to preserve the ancient discoveries. Key pieces of what was found have been put on display along the underground network of 13 stations including a section of the marble-paved Roman thoroughfare at the central Venizelou Station. “The project faced substantial delays and many challenges, including over 300,000 archaeological finds, many of which are now showcased at various stations along the main line,” Staikouras said. The Thessaloniki metro was first conceived more than a century ago and its completion has been greeted with quiet amazement by residents who for years used the metro project as a punchline for bureaucratic delays and undelivered promises. Government officials said the cost of the metro so far has reached 3 billion euros ($3.1 billion) for the completed first line of the subway system and most of a second line which is currently under construction and due to be delivered in a year. The construction consortium was made up by Greece’s Aktor, Italy’s Webuild and Japan’s Hitachi Rail.BETHESDA, Md., Dec. 11, 2024 (GLOBE NEWSWIRE) -- Host Hotels & Resorts, Inc. (NASDAQ: HST) (the “Company”), the nation’s largest lodging real estate investment trust, today announced that its board of directors authorized a regular quarterly cash dividend of $0.20 per share. In addition, the Company announced a special dividend of $0.10 per share, bringing the total dividends declared for the year to $0.90 per share. The dividend is payable on January 15, 2025, to stockholders of record as of December 31, 2024. ABOUT HOST HOTELS & RESORTS Host Hotels & Resorts, Inc. is an S&P 500 company and is the largest lodging real estate investment trust and one of the largest owners of luxury and upper-upscale hotels. The Company currently owns 76 properties in the United States and five properties internationally totaling approximately 43,400 rooms. The Company also holds non-controlling interests in seven domestic and one international joint ventures.
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WASHINGTON — The House passed a $895 billion measure Wednesday that authorizes a 1% increase in defense spending this fiscal year and would give a double-digit pay raise to about half of the enlisted service members in the military. The bill is traditionally strongly bipartisan, but some Democratic lawmakers opposed the inclusion of a ban on transgender medical treatments for children of military members if such treatment could result in sterilization. The bill passed by a vote of 281-140 and next moves to the Senate, where lawmakers sought a bigger boost in defense spending than the current measure allows. The Pentagon and the surrounding area is seen Jan. 26, 2020, from the air in Washington. Lawmakers are touting the bill's 14.5% pay raise for junior enlisted service members and a 4.5% increase for others as key to improving the quality of life for those serving in the U.S. military. Those serving as junior enlisted personnel are in pay grades that generally track with their first enlistment term. People are also reading... Lawmakers said service member pay failed to remain competitive with the private sector, forcing many military families to rely on food banks and government assistance programs to put food on the table. The bill also provides significant new resources for child care and housing. "No service member should have to live in squalid conditions and no military family should have to rely on food stamps to feed their children, but that's exactly what many of our service members are experiencing, especially the junior enlisted," said Rep. Mike Rogers, R-Ala., chairman of the House Armed Services Committee. "This bill goes a long way to fixing that." The bill sets key Pentagon policy that lawmakers will attempt to fund through a follow-up appropriations bill. The overall spending tracks the numbers established in a 2023 agreement that then-Speaker Kevin McCarthy, R-Calif., reached with President Joe Biden to increase the nation's borrowing authority and avoid a federal default in exchange for spending restraints. Many senators wanted to increase defense spending about $25 billion above what was called for in that agreement, but those efforts failed. Sen. Roger Wicker, R-Miss., who is expected to serve as the next chairman of the Senate Armed Services Committee, said the overall spending level was a "tremendous loss for our national defense," though he agreed with many provisions in the bill. "We need to make a generational investment to deter the Axis of Aggressors. I will not cease work with my congressional colleagues, the Trump administration, and others until we achieve it," Wicker said. Sen. Roger Wicker, R-Miss., speaks with reporters Nov. 21 on Capitol Hill in Washington. House Republicans don't want to go above the McCarthy-Biden agreement for defense spending and are looking to go way below it for many nondefense programs. They are also focused on cultural issues. The bill prohibits funding for teaching critical race theory in the military and prohibits TRICARE health plans from covering gender dysphoria treatment for children under 18 if that treatment could result in sterilization. Rep. Adam Smith of Washington state, the ranking Democratic member of the House Armed Services Committee, said minors dealing with gender dysphoria is a "very real problem." He said the treatments available, including puberty blockers and hormone therapy, proved effective at helping young people dealing with suicidal thoughts, anxiety and depression. "These treatments changed their lives and in many cases saved their lives," Smith said. "And in this bill, we decided we're going to bar service members' children from having access to that." Smith said the number of minors in service member families receiving transgender medical care extends into the thousands. He could have supported a study asking medical experts to determine whether such treatments are too often used, but a ban on health insurance coverage went too far. He said Speaker Mike Johnson's office insisted on the ban and said the provision "taints an otherwise excellent piece of legislation." Rep. Chip Roy, R-Texas, called the ban a step in the right direction, saying, "I think these questions need to be pulled out of the debate of defense, so we can get back to the business of defending the United States of America without having to deal with social engineering debates." Smith said he agrees with Roy that lawmakers should be focused on the military and not on cultural conflicts, "and yet, here it is in this bill." House Minority Leader Hakeem Jeffries, D-N.Y., responds to reporters Dec. 6 during his weekly news conference at the Capitol in Washington. Rep. Hakeem Jeffries, the House Democratic leader, said his team did not tell Democrats how to vote on the bill. "There's a lot of positive things in the National Defense Authorization Act that were negotiated in a bipartisan way, and there are some troubling provisions in a few areas as well," Jeffries said. The defense policy bill also looks to strengthen deterrence against China. It calls for investing $15.6 billion to build military capabilities in the Indo-Pacific region. The Biden administration requested about $10 billion. On Israel, the bill, among other things, includes an expansion of U.S. joint military exercises with Israel and a prohibition on the Pentagon citing casualty data from Hamas. The defense policy bill is one of the final measures that lawmakers view as a must-pass before making way for a new Congress in January. U.S. Troops Face Mounting Threats from Predatory Debt Collectors U.S. Troops Face Mounting Threats from Predatory Debt Collectors Rising threats from debt collectors against members of the U.S. armed forces are undermining national security, according to data from the Consumer Financial Protection Bureau (CFPB), a federal watchdog that protects consumer rights. To manage the impact of financial stress on individual performance, the Defense Department dedicates precious resources to improving financial literacy, so service members know the dangers of notorious no-credit-check loans. “The financial well-being of service members and their families is one of the Department’s top priorities,” said Andrew Cohen, the director of financial readiness in the Office of the Deputy Assistant Secretary of Defense at the Pentagon. But debt collectors are gaining ground. Last quarter, debt collection complaints by U.S. military service members increased 24% , and attempts to collect on “debts not owed” surged 40%. Complaints by service members against debt collectors for deceptive practices ballooned from 1,360 in the fourth quarter of 2023 to 1,833 in the first quarter of 2024. “There’s a connection between the financial readiness and the readiness of a service member to perform their duty,” said Jim Rice, Assistant Director, Office of Servicemember Affairs at the Consumer Financial Protection Bureau. Laws exist to protect the mission readiness of U.S. troops from being compromised by threats and intimidation, but debt collectors appear to be violating them at an alarming pace. “If they’re threatening to call your commander or get your security clearance revoked, that’s illegal,” says Deborah Olvera, financial readiness manager at Wounded Warriors Project, and a military spouse who’s been harassed herself by a collection agency that tried to extort money from her for a debt she didn’t owe. But after she requested the name of the original creditor, she never heard from them again. “The financial well-being of service members and their families is one of the Department’s top priorities.” —Andrew Cohen, Director of Financial Readiness at the Pentagon Under the Fair Debt Collection Practices Act, it’s illegal for debt collectors to threaten to contact your boss or have you arrested because it violates your financial privacy. The FDCPA also prohibits debt collectors from making false, deceptive, or misleading representations in connection with the collection of a debt, even for borrowers with bad credit scores. But according to the data, debt collectors are increasingly ignoring those rules. “Debt collection continues to be one of the top consumer complaint categories,” said a spokesperson at the Federal Trade Commission. The commission released a report earlier this year revealing that consumers were scammed $10 billion in 2023, a new benchmark for fraud losses. In his book Debt: The First 5,000 Years, David Graeber argues that debt often creates a relationship that can feel more oppressive than systems of hierarchy, like slavery or caste systems because it starts by presuming equality between the debtor and the creditor. When the debtor falls into arrears, that equality is then destroyed. This sense of betrayal and the subsequent imbalance of power leads to widespread resentment toward lenders. Most Menacing Loan Messengers Photo Credit: Olena Yakobchuk / Shutterstock The debt collector reportedly harassing military service members most was Resurgent Capital Services, a subsidiary of collection giant Sherman Financial Group. The company tacks on accrued interest and junk fees and tries to collect on debts purchased for pennies on the dollar from cable companies, hospitals, and credit card companies, among others. Sherman Financial Group is run by billionaire Benjamin Navarro, who has a reported net worth of $1.5 billion, according to Forbes. Sherman Financial also owns subprime lender Credit One Bank and LVNV Funding, which outsource collections to Resurgent Capital. According to CFPB data, the second worst offender is CL Holdings, the parent company of debt-buyer Jefferson Capital Systems. The company has also been named in numerous complaints to the Better Business Bureau for alleged violations of the FDCPA, such as failing to properly validate debts or update credit reports with accurate information. Under the leadership of CEO David Burton, Jefferson Capital Systems is a wholly-owned subsidiary of CompuCredit Corporation, which markets subprime credit cards under the names Aspire, Majestic, and others. The third most referenced debt collector is publicly traded Portfolio Recovery Associates [NASDAQ: PRAA], which was forced to pay $27 million in penalties for making false representations about debts, initiating lawsuits without proper documentation, and other violations. Portfolio Recovery Associates is run by CEO Vikram Atal. Fourth place for alleged worst offender goes to Encore Capital Group [NASDAQ ECPG], which was required to pay $42 million in consumer refunds and a $10 million penalty for violating the Fair Debt Collection Practices Act. Encore collects under its subsidiary Midland Credit Management Group. These debt collectors all operate under a veritable shell game of company and brand names, almost none of which are disclosed on their websites, sending consumers on a wild goose chase to try and figure out how they’re related to each other. But despite their attempts to hide their tracks behind a smoke screen of subsidiaries, a leopard can’t change its spots, and the CFPB complaint database makes it harder for them to try. Loan Harassment Hotspots Photo Credit: Bumble Dee / Shutterstock Although widely considered a consumer-friendly state, complaints spiked most in California, which saw a 188% increase in complaints filed from the fourth quarter of 2023 to the first quarter of 2024. California is home to 157,367 military personnel, making it the most populous state for active-duty service members. The second-largest increase in debt collection complaints was in Texas, which saw a 66% jump from the fourth quarter of 2023 to the first quarter of 2024. The U.S. Department of Defense reports 111,005 service members stationed in the Lone Star State, which is the third-most populous state for active-duty military. The rising trends do not correlate to the number of military personnel by state. Complaints against debt collectors in Virginia, the second most populous state with 126,145 active duty personnel, decreased by 29% in the same quarter-over-quarter period. And complaints filed quarter-over-quarter in North Carolina, the fifth most populous state with 91,077 military personnel, decreased by 3% in the same period. The third largest percentage increase in debt collection complaints was from service members stationed in Maryland, where alleged harassment reports jumped 112% from the fourth quarter of 2023 to the first quarter of 2024. Maryland ranks number 12 with just 28,059 active duty service members. Fourth place goes to Ohio – the 28th most populous active-duty state – where complaints doubled, followed by Arizona – the 15th most populous military state – where complaints were up 70% in the same quarter-over-quarter period. Billionaire Bets on Bad Credit Photo Credit: PeopleImages.com - Yuri A / Shutterstock In 2007, Congress passed the Military Lending Act to cap the cost of credit to a 36% annual percentage rate, inclusive of junk fees and late charges, for active duty military service members. That rate is still considerably higher than average credit card rates, which range from 8% for borrowers with excellent credit scores to as high as 36% for borrowers with bad credit. But lenders still get hauled into court for violating the MLA. Don Hankey, the billionaire subprime auto lender who funded Donald Trump’s $175 million appeal bond , is among those violators. His company, Westlake Financial, which markets high-interest car loans for bad credit, has been sued twice by the Department of Justice for harassing military service members. In 2017, the DoJ alleged Hankey’s Westlake Financial illegally repossessed at least 70 vehicles owned by military service members. Westlake Financial paid $700,000 to settle the charges. In 2022, Westlake Financial paid $250,000 for allegedly cheating U.S. troops out of interest rates they were legally entitled to. Westlake Financial continues to receive complaints from military service members alleging abusive debt collection practices on its no-credit-check loans. A steady year-over-year increase in the number of complaints filed against Westlake Financial continued from 2020 to 2023. Consumer Financial Protection Bureau data shows a 13% increase in the number of complaints against the company from 2020 to 2021, a 28% increase from 2021 to 2022, and a torrential 119% surge from 2022 to 2023. The numbers suggest systemic complaint-handling processes and inadequate customer service resources. Lenders Try to Shutter CFPB Photo Credit: Cynthia Shirk / Shutterstock On May 16, 2024, a deceptively named predatory lending industry front group dubbed the Community Financial Services Association of America (CFSA) lost a legal attempt to defund the Consumer Financial Protection Bureau. In an effort to deprive Americans of essential consumer protections, the lobby group argued that the Consumer Financial Protection Bureau’s funding structure was unconstitutional. But the Supreme Court denied its claim. In a 7-2 ruling, the Court held that the Consumer Financial Protection Bureau’s funding structure is indeed constitutional. That means the Consumer Financial Protection Bureau cannot be defunded, but it does not mean the agency cannot be defanged. The New York Times suggested that Hankey’s incentive to finance Trump’s $175 million bond could have been a reciprocity pledge to neuter the Consumer Financial Protection Bureau if Trump wins the upcoming U.S. presidential election. If Trump wins a second term, he could replace Consumer Financial Protection Bureau director Rohit Chopra, an American consumer advocate, with a predatory lending advocate. In 2020, the Trump Administration secured a Supreme Court ruling that made it easier for the president to fire the head of the Consumer Financial Protection Bureau. The ruling struck down previous restrictions on when a president can fire the bureau’s director. Like other federal agencies, the Consumer Financial Protection Bureau has also been confronted for overstepping its bounds, pushing too far, and acting unfairly against entities it regulates. Holidays, Interest Rates Not to Blame Photo Credit: Lux Blue / Shutterstock Seasonality and rising interest rates do not explain the increase in debt collection complaints from service members. The surge in complaints is not tied to predictable seasonal fluctuations or changes in interest rates. The increase in debt collection complaints by service members may point to underlying systemic issues, such as aggressive and predatory debt collection practices that exploit the unique financial vulnerabilities of service members, who face frequent relocations and deployments. Debt Complaints by Service Members The 24% spike in debt collection complaints exhibits no correlation to fluctuations in interest rates. 30-Year Fixed Mortgage Rates Pandemic stimulus checks were also not a factor. COVID-19 relief benefit checks went through three major rounds during the pandemic. The final round of Economic Impact Payments went out in March 2021 . To better understand the rising trend of debt collection complaints, we calculated the increase in the total number of complaints and the percentage increase quarter-over-quarter. For example, New Jersey has the second largest percentage increase in complaints quarter-over-quarter, but the total number of complaints increased by just 16. Methodology The data for this study was sourced from the Consumer Financial Protection Bureau (CFPB) complaint database. The dataset specifically targeted complaints filed by U.S. military service members, identified using the tag “Servicemember” within Q4 2023 and Q1 2024. Readers can find the detailed research methodology underlying this news story in the accompanying section here . For complete results, see U.S. Troops Face Mounting Threats from Predatory Debt Collectors on BadCredit.org . Veteran homelessness is on the rise despite government efforts—here's how it happens Veteran homelessness is on the rise despite government efforts—here's how it happens Homelessness reached record levels in 2023, as rents and home prices continued to rise in most of the U.S. One group was particularly impacted: people who have served in the U.S. military. "This time last year, we knew the nation was facing a deadly public health crisis," Jeff Olivet, executive director of the U.S. Interagency Council on Homelessness, said in a statement about the 2023 numbers. He said the latest homelessness estimates from the Department of Housing and Urban Development "confirms the depth of the crisis." At least 35,000 veterans were experiencing homelessness in 2023, according to HUD. While that's about half of what it was in 2009—when the organization began collecting data—things have plateaued in recent years despite active efforts to get that number to zero. Although they make up just 6.6% of the total homeless population, veterans are more likely to be at risk of homelessness than Americans overall. Of every 10,000 Americans, 20 were experiencing homelessness. Of veterans living in the United States, that number jumps to 22, HUD data shows. Complicated by bureaucracy, family dynamics, and prejudice, the path from serving in the military to homelessness is a long one. According to a 2022 study by Yale School of Medicine researchers, homelessness typically occurs within four years of leaving the military, as veterans must contend with the harsh reality of finding a job in a world where employers struggle to see how skills on the battlefield transfer to a corporate environment. These days, veterans also deal with historically high rent and home prices, which causes many to rely on family generosity while figuring out a game plan. Stacker examined academic studies, analyzed government data, and spoke with members of the Biden administration, experts, and former members of the armed forces to see the struggles members of the military face when leaving the armed forces. Veterans struggle to find a path forward The Department of Veterans Affairs offers transition assistance to the roughly 250,000 service members who leave each year. However, those programs can be burdensome and complex to navigate, especially for those who don't have a plan for post-military life. Only a small portion of veterans have jobs lined up when they leave, according to 2019 Pew Research. Many also choose to live with relatives until they get on their feet, which can be longer than anticipated. Some former service members are unsure what kind of career they'd like to pursue and may have to get further education or training, Carl Castro, director of the Military and Veteran Programs at the Suzanne Dworak-Peck School of Social Work at the University of Southern California, told Stacker. "It takes years for that kind of transition," Castro said. Many have trouble finding a job after leaving the service, even if they are qualified. Some employers carry misconceptions about those who have served. A 2020 analysis from the journal Human Resource Management Review found that some veterans face hiring discrimination due to negative stereotypes that lead hiring managers to write them off as a poor culture fit. Underemployment, or working low-wage jobs below their skill level, is also an issue. While the unemployment rate for veterans was 3% in March 2024, a study released by Penn State at the end of 2023 found three years after leaving the service, 61% of veterans said they were underemployed because of perceived skill mismatches . This phenomenon can have long-term economic effects, and eventually, that frustration can boil over, strain relationships, and potentially lead to housing instability. Working, especially a low-wage job, is not protection against homelessness. A 2021 study from the University of Chicago found half of people living in homeless shelters and 2 in 5 unsheltered people were employed, full or part-time. Vets with mental health issues most at risk for homelessness For veterans, housing costs certainly play a role, but those who leave the military also face systemic barriers. "It's worrying there are people that continue to fall through the cracks," said Jeanette Yih Harvie, a research associate at Syracuse University's D'Aniello Institute for Veterans and Military Families. Just under a quarter of adults experiencing homelessness have a severe mental illness , according to 2022 HUD survey data. They are also likely to have chronic illnesses but are unable to maintain preventative care, which only exacerbates these problems. Veterans facing homelessness are more likely to have experienced trauma , either before or after joining the military, according to Yale researchers who analyzed the 2019-2020 National Health and Resilience in Veterans Study. Childhood trauma was among the most significant commonalities among vets who become homeless. Substance use disorder is also widespread and can indicate an undiagnosed mental illness . Racial and ethnic disparities are at play, too. A 2023 study in the Journal of Psychiatric Research showed that Hispanic and Black veterans were more likely to screen positive for PTSD, and Hispanic veterans were more likely to report having suicidal ideation. Overall, access to mental health care has improved in the last decade or so. In December 2023, the VA announced it would open nine additional counseling centers. However, the stigma of getting help remains, especially after years of being conditioned to be self-reliant and pull oneself up by their bootstraps. That help, in the form of public policy, is slowly working to catch up to the need. In 2023, the Biden administration invested millions into research programs and studies on suicide prevention by the VA office in addition to a proposed $16 billion to improve quality and lower-cost mental health care services for veterans. And, in February of this year, HUD and the VA announced they would give up to $14 million in vouchers to public housing agencies for veterans experiencing homelessness. The program would also offer case management and other services. Still, with a culture that pushes people to keep going, it can be challenging for servicemembers to take advantage of these opportunities, Harvie said. "When you've been doing that for the last 15 or 20 years, it's difficult to stop and say, 'I'm the person that needs help.'" Story editing by Kelly Glass. Copy editing by Kristen Wegrzyn. Stay up-to-date on the latest in local and national government and political topics with our newsletter.WASHINGTON — The House Ethics Committee's long-awaited report on Matt Gaetz documents a trove of salacious allegations, including sex with an underage girl, that tanked the Florida Republican's bid to lead the Justice Department. Citing text messages, travel receipts, online payments and testimony, the bipartisan committee paints a picture of a lifestyle in which Gaetz and others connected with younger women for drug-fueled parties, events or trips, with the expectation the women would be paid for their participation. President-elect Donald Trump's nominee to be attorney general, former Rep. Matt Gaetz, R-Fla., closes a door to a private meeting with Vice President-elect JD Vance and Republican Senate Judiciary Committee members, at the Capitol in Washington, Wednesday, Nov. 20, 2024. The former congressman, who filed a last-minute lawsuit to try to block the report's release Monday, slammed the committee's findings. Gaetz has denied any wrongdoing and has insisted he never had sex with a minor. And a Justice Department investigation into the allegations ended without any criminal charges filed against him. "Giving funds to someone you are dating — that they didn't ask for — and that isn't 'charged' for sex is now prostitution?!?" Gaetz wrote in one post Monday. "There is a reason they did this to me in a Christmas Eve-Eve report and not in a courtroom of any kind where I could present evidence and challenge witnesses." Here's a look at some of the committee's key findings: The committee found that between 2017 and 2020, Gaetz paid tens of thousands of dollars to women "likely in connection with sexual activity and/or drug use." He paid the women using through online services such as PayPal, Venmo and CashApp and with cash or check, the committee said. The committee said it found evidence that Gaetz understood the "transactional nature" of his relationships with the women. The report points to one text exchange in which Gaetz balked at a woman's request that he send her money, "claiming she only gave him a 'drive by.'" Women interviewed by the committee said there was a "general expectation of sex," the report said. One woman who received more than $5,000 from Gaetz between 2018 and 2019 said that "99 percent of the time" that when she hung out with Gaetz "there was sex involved." However, Gaetz was in a long-term relationship with one of the women he paid, so "some of the payments may have been of a legitimate nature," the committee said. Text messages obtained by the committee also show that Gaetz would ask the women to bring drugs to their "rendezvous," the report said. Former Rep. Matt Gaetz, R-Fla., attends the cocktail hour of New York Young Republican Club's annual gala at Cipriani Wall Street, Sunday, Dec. 15, 2024, in New York. While most of his encounters with the women were in Florida, the committee said Gaetz also traveled "on several occasions" with women whom he paid for sex. The report includes text message exchanges in which Gaetz appears to be inviting various women to events, getaways or parties, and arranging airplane travel and lodging. Gaetz associate Joel Greenberg, who pleaded guilty to sex trafficking charges in 2021, initially connected with women through an online service. In one text with a 20-year-old woman, Greenberg suggested if she had a friend, the four of them could meet up. The woman responded that she usually does "$400 per meet." Greenberg replied: "He understands the deal," along with a smiley face emoji. Greenberg asked if they were old enough to drink alcohol, and sent the woman a picture of Gaetz. The woman responded that her friend found him "really cute." "Well, he's down here for only for the day, we work hard and play hard," Greenberg replied. The report details a party in July 2017 in which Gaetz is accused of having sex with "multiple women, including the 17-year-old, for which they were paid." The committee pointed to "credible testimony" from the now-woman herself as well as "multiple individuals" who corroborated the allegation. The then-17-year-old — who had just completed her junior year in high school — told the committee that Gaetz paid her $400 in cash that night, "which she understood to be payment for sex," according to the report. The woman acknowledged that she had taken ecstasy the night of the party, but told the committee that she was "certain" of her sexual encounters with the then-congressman. There's no evidence that Gaetz knew she was a minor when he had sex with her, the committee said. The woman told the committee she didn't tell Gaetz she was under 18 at the time and he didn't ask how old she was. Rather, the committee said Gaetz learned she was a minor more than a month after the party. But he stayed in touch with her after that and met up with her for "commercial sex" again less than six months after she turned 18, according to the committee. Former Rep. Matt Gaetz, R-Fla., center, attends the cocktail hour of New York Young Republican Club's annual gala at Cipriani Wall Street, Sunday, Dec. 15, 2024, in New York. In sum, the committee said it authorized 29 subpoenas for documents and testimony, reviewed nearly 14,000 documents and contacted more than two dozen witnesses. But when the committee subpoenaed Gaetz for his testimony, he failed to comply. "Gaetz pointed to evidence that would 'exonerate' him yet failed to produce any such materials," the committee said. Gaetz "continuously sought to deflect, deter, or mislead the Committee in order to prevent his actions from being exposed." The report details a months-long process that dragged into a year as it sought information from Gaetz that he decried as "nosey" and a "weaponization" of government against him. In one notable exchange, investigators were seeking information about the expenses for a 2018 getaway with multiple women to the Bahamas. Gaetz ultimately offered up his plane ticket receipt "to" the destination, but declined to share his return "from" the Bahamas. The report said his return on a private plane and other expenses paid by an associate were in violation of House gift rules. In another Gaetz told the committee he would "welcome" the opportunity to respond to written questions. Yet, after it sent a list of 16 questions, Gaetz said publicly he would "no longer" voluntarily cooperate. He called the investigation "frivolous," adding, "Every investigation into me ends the same way: my exoneration." The report said that while Gaetz's obstruction of the investigation does not rise to a criminal violation it is inconsistent with the requirement that all members of Congress "act in a manner that reflects creditably upon the House." The committee began its review of Gaetz in April 2021 and deferred its work in response to a Justice Department request. It renewed its work shortly after Gaetz announced that the Justice Department had ended a sex trafficking investigation without filing any charges against him. The committee sought records from the Justice Department about the probe, but the agency refused, saying it doesn't disclose information about investigations that don't result in charges. The committee then subpoenaed the Justice Department, and after a back-and-forth between officials and the committee, the department handed over "publicly reported information about the testimony of a deceased individual," according to the report. "To date, DOJ has provided no meaningful evidence or information to the Committee or cited any lawful basis for its responses," the committee said. Many of the women who the committee spoke to had already given statements to the Justice Department and didn't want to "relive their experience," the committee said. "They were particularly concerned with providing additional testimony about a sitting congressman in light of DOJ's lack of action on their prior testimony," the report said. The Justice Department, however, never handed over the women's statements. The agency's lack of cooperation — along with its request that the committee pause its investigation — significantly delayed the committee's probe, lawmakers said. Among President-elect Donald Trump's picks are Susie Wiles for chief of staff, Florida Sen. Marco Rubio for secretary of state, former Democratic House member Tulsi Gabbard for director of national intelligence and Florida Rep. Matt Gaetz for attorney general. Susie Wiles, 67, was a senior adviser to Trump's 2024 presidential campaign and its de facto manager. Trump named Florida Sen. Marco Rubio to be secretary of state, making a former sharp critic his choice to be the new administration's top diplomat. Rubio, 53, is a noted hawk on China, Cuba and Iran, and was a finalist to be Trump's running mate on the Republican ticket last summer. Rubio is the vice chairman of the Senate Intelligence Committee and a member of the Senate Foreign Relations Committee. “He will be a strong Advocate for our Nation, a true friend to our Allies, and a fearless Warrior who will never back down to our adversaries,” Trump said of Rubio in a statement. The announcement punctuates the hard pivot Rubio has made with Trump, whom the senator called a “con man" during his unsuccessful campaign for the 2016 GOP presidential nomination. Their relationship improved dramatically while Trump was in the White House. And as Trump campaigned for the presidency a third time, Rubio cheered his proposals. For instance, Rubio, who more than a decade ago helped craft immigration legislation that included a path to citizenship for people in the U.S. illegally, now supports Trump's plan to use the U.S. military for mass deportations. Pete Hegseth, 44, is a co-host of Fox News Channel’s “Fox & Friends Weekend” and has been a contributor with the network since 2014, where he developed a friendship with Trump, who made regular appearances on the show. Hegseth lacks senior military or national security experience. If confirmed by the Senate, he would inherit the top job during a series of global crises — ranging from Russia’s war in Ukraine and the ongoing attacks in the Middle East by Iranian proxies to the push for a cease-fire between Israel, Hamas and Hezbollah and escalating worries about the growing alliance between Russia and North Korea. Hegseth is also the author of “The War on Warriors: Behind the Betrayal of the Men Who Keep Us Free,” published earlier this year. Trump tapped Pam Bondi, 59, to be attorney general after U.S. Rep. Matt Gaetz withdrew his name from consideration. She was Florida's first female attorney general, serving between 2011 and 2019. She also was on Trump’s legal team during his first impeachment trial in 2020. Considered a loyalist, she served as part of a Trump-allied outside group that helped lay the groundwork for his future administration called the America First Policy Institute. Bondi was among a group of Republicans who showed up to support Trump at his hush money criminal trial in New York that ended in May with a conviction on 34 felony counts. A fierce defender of Trump, she also frequently appears on Fox News and has been a critic of the criminal cases against him. Trump picked South Dakota Gov. Kristi Noem, a well-known conservative who faced sharp criticism for telling a story in her memoir about shooting a rambunctious dog, to lead an agency crucial to the president-elect’s hardline immigration agenda. Noem used her two terms leading a tiny state to vault to a prominent position in Republican politics. South Dakota is usually a political afterthought. But during the COVID-19 pandemic, Noem did not order restrictions that other states had issued and instead declared her state “open for business.” Trump held a fireworks rally at Mount Rushmore in July 2020 in one of the first large gatherings of the pandemic. She takes over a department with a sprawling mission. In addition to key immigration agencies, the Department of Homeland Security oversees natural disaster response, the U.S. Secret Service, and Transportation Security Administration agents who work at airports. The governor of North Dakota, who was once little-known outside his state, Burgum is a former Republican presidential primary contender who endorsed Trump, and spent months traveling to drum up support for him, after dropping out of the race. Burgum was a serious contender to be Trump’s vice presidential choice this summer. The two-term governor was seen as a possible pick because of his executive experience and business savvy. Burgum also has close ties to deep-pocketed energy industry CEOs. Trump made the announcement about Burgum joining his incoming administration while addressing a gala at his Mar-a-Lago club, and said a formal statement would be coming the following day. In comments to reporters before Trump took the stage, Burgum said that, in recent years, the power grid is deteriorating in many parts of the country, which he said could raise national security concerns but also drive up prices enough to increase inflation. “There's just a sense of urgency, and a sense of understanding in the Trump administration,” Burgum said. Robert F. Kennedy Jr. ran for president as a Democrat, than as an independent, and then endorsed Trump . He's the son of Democratic icon Robert Kennedy, who was assassinated during his own presidential campaign. The nomination of Kennedy to lead the Department of Health and Human Services alarmed people who are concerned about his record of spreading unfounded fears about vaccines . For example, he has long advanced the debunked idea that vaccines cause autism. Scott Bessent, 62, is a former George Soros money manager and an advocate for deficit reduction. He's the founder of hedge fund Key Square Capital Management, after having worked on-and-off for Soros Fund Management since 1991. If confirmed by the Senate, he would be the nation’s first openly gay treasury secretary. He told Bloomberg in August that he decided to join Trump’s campaign in part to attack the mounting U.S. national debt. That would include slashing government programs and other spending. “This election cycle is the last chance for the U.S. to grow our way out of this mountain of debt without becoming a sort of European-style socialist democracy,” he said then. Oregon Republican U.S. Rep. Lori Chavez-DeRemer narrowly lost her reelection bid this month, but received strong backing from union members in her district. As a potential labor secretary, she would oversee the Labor Department’s workforce, its budget and put forth priorities that impact workers’ wages, health and safety, ability to unionize, and employer’s rights to fire employers, among other responsibilities. Chavez-DeRemer is one of few House Republicans to endorse the “Protecting the Right to Organize” or PRO Act would allow more workers to conduct organizing campaigns and would add penalties for companies that violate workers’ rights. The act would also weaken “right-to-work” laws that allow employees in more than half the states to avoid participating in or paying dues to unions that represent workers at their places of employment. Scott Turner is a former NFL player and White House aide. He ran the White House Opportunity and Revitalization Council during Trump’s first term in office. Trump, in a statement, credited Turner, the highest-ranking Black person he’s yet selected for his administration, with “helping to lead an Unprecedented Effort that Transformed our Country’s most distressed communities.” Sean Duffy is a former House member from Wisconsin who was one of Trump's most visible defenders on cable news. Duffy served in the House for nearly nine years, sitting on the Financial Services Committee and chairing the subcommittee on insurance and housing. He left Congress in 2019 for a TV career and has been the host of “The Bottom Line” on Fox Business. Before entering politics, Duffy was a reality TV star on MTV, where he met his wife, “Fox and Friends Weekend” co-host Rachel Campos-Duffy. They have nine children. A campaign donor and CEO of Denver-based Liberty Energy, Write is a vocal advocate of oil and gas development, including fracking — a key pillar of Trump’s quest to achieve U.S. “energy dominance” in the global market. Wright also has been one of the industry’s loudest voices against efforts to fight climate change. He said the climate movement around the world is “collapsing under its own weight.” The Energy Department is responsible for advancing energy, environmental and nuclear security of the United States. Wright also won support from influential conservatives, including oil and gas tycoon Harold Hamm. Hamm, executive chairman of Oklahoma-based Continental Resources, a major shale oil company, is a longtime Trump supporter and adviser who played a key role on energy issues in Trump’s first term. President-elect Donald Trump tapped billionaire professional wrestling mogul Linda McMahon to be secretary of the Education Department, tasked with overseeing an agency Trump promised to dismantle. McMahon led the Small Business Administration during Trump’s initial term from 2017 to 2019 and twice ran unsuccessfully as a Republican for the U.S. Senate in Connecticut. She’s seen as a relative unknown in education circles, though she expressed support for charter schools and school choice. She served on the Connecticut Board of Education for a year starting in 2009 and has spent years on the board of trustees for Sacred Heart University in Connecticut. Brooke Rollins, who graduated from Texas A&M University with a degree in agricultural development, is a longtime Trump associate who served as White House domestic policy chief during his first presidency. The 52-year-old is president and CEO of the America First Policy Institute, a group helping to lay the groundwork for a second Trump administration. She previously served as an aide to former Texas Gov. Rick Perry and ran a think tank, the Texas Public Policy Foundation. Trump chose Howard Lutnick, head of brokerage and investment bank Cantor Fitzgerald and a cryptocurrency enthusiast, as his nominee for commerce secretary, a position in which he'd have a key role in carrying out Trump's plans to raise and enforce tariffs. Trump made the announcement Tuesday on his social media platform, Truth Social. Lutnick is a co-chair of Trump’s transition team, along with Linda McMahon, the former wrestling executive who previously led Trump’s Small Business Administration. Both are tasked with putting forward candidates for key roles in the next administration. The nomination would put Lutnick in charge of a sprawling Cabinet agency that is involved in funding new computer chip factories, imposing trade restrictions, releasing economic data and monitoring the weather. It is also a position in which connections to CEOs and the wider business community are crucial. FILE - Former Rep. Doug Collins speaks before Republican presidential nominee former President Donald Trump at a campaign event at the Cobb Energy Performing Arts Centre, Oct. 15, 2024, in Atlanta. Karoline Leavitt, 27, was Trump's campaign press secretary and currently a spokesperson for his transition. She would be the youngest White House press secretary in history. The White House press secretary typically serves as the public face of the administration and historically has held daily briefings for the press corps. Leavitt, a New Hampshire native, was a spokesperson for MAGA Inc., a super PAC supporting Trump, before joining his 2024 campaign. In 2022, she ran for Congress in New Hampshire, winning a 10-way Republican primary before losing to Democratic Rep. Chris Pappas. Leavitt worked in the White House press office during Trump's first term before she became communications director for New York Republican Rep. Elise Stefanik, Trump's choice for U.S. ambassador to the United Nations. Former Hawaii Rep. Tulsi Gabbard has been tapped by Trump to be director of national intelligence, keeping with the trend to stock his Cabinet with loyal personalities rather than veteran professionals in their requisite fields. Gabbard, 43, was a Democratic House member who unsuccessfully sought the party's 2020 presidential nomination before leaving the party in 2022. She endorsed Trump in August and campaigned often with him this fall. “I know Tulsi will bring the fearless spirit that has defined her illustrious career to our Intelligence Community,” Trump said in a statement. Gabbard, who has served in the Army National Guard for more than two decades, deploying to Iraq and Kuwait, would come to the role as somewhat of an outsider compared to her predecessor. The current director, Avril Haines, was confirmed by the Senate in 2021 following several years in a number of top national security and intelligence positions. Trump has picked John Ratcliffe, a former Texas congressman who served as director of national intelligence during his first administration, to be director of the Central Intelligence Agency in his next. Ratcliffe was director of national intelligence during the final year and a half of Trump's first term, leading the U.S. government's spy agencies during the coronavirus pandemic. “I look forward to John being the first person ever to serve in both of our Nation's highest Intelligence positions,” Trump said in a statement, calling him a “fearless fighter for the Constitutional Rights of all Americans” who would ensure “the Highest Levels of National Security, and PEACE THROUGH STRENGTH.” Kash Patel spent several years as a Justice Department prosecutor before catching the Trump administration’s attention as a staffer on Capitol Hill who helped investigate the Russia probe. Patel called for dramatically reducing the agency’s footprint, a perspective that sets him apart from earlier directors who sought additional resources for the bureau. Though the Justice Department in 2021 halted the practice of secretly seizing reporters’ phone records during leak investigations, Patel said he intends to aggressively hunt down government officials who leak information to reporters. Trump has chosen former New York Rep. Lee Zeldin to serve as his pick to lead the Environmental Protection Agency . Zeldin does not appear to have any experience in environmental issues, but is a longtime supporter of the former president. The 44-year-old former U.S. House member from New York wrote on X , “We will restore US energy dominance, revitalize our auto industry to bring back American jobs, and make the US the global leader of AI.” “We will do so while protecting access to clean air and water,” he added. During his campaign, Trump often attacked the Biden administration's promotion of electric vehicles, and incorrectly referring to a tax credit for EV purchases as a government mandate. Trump also often told his audiences during the campaign his administration would “Drill, baby, drill,” referring to his support for expanded petroleum exploration. In a statement, Trump said Zeldin “will ensure fair and swift deregulatory decisions that will be enacted in a way to unleash the power of American businesses, while at the same time maintaining the highest environmental standards, including the cleanest air and water on the planet.” Trump has named Brendan Carr, the senior Republican on the Federal Communications Commission, as the new chairman of the agency tasked with regulating broadcasting, telecommunications and broadband. Carr is a longtime member of the commission and served previously as the FCC’s general counsel. He has been unanimously confirmed by the Senate three times and was nominated by both Trump and President Joe Biden to the commission. Carr made past appearances on “Fox News Channel," including when he decried Democratic Vice President Kamala Harris' pre-Election Day appearance on “Saturday Night Live.” He wrote an op-ed last month defending a satellite company owned by Trump supporter Elon Musk. Trump said Atkins, the CEO of Patomak Partners and a former SEC commissioner, was a “proven leader for common sense regulations.” In the years since leaving the SEC, Atkins has made the case against too much market regulation. “He believes in the promise of robust, innovative capital markets that are responsive to the needs of Investors, & that provide capital to make our Economy the best in the World. He also recognizes that digital assets & other innovations are crucial to Making America Greater than Ever Before,” Trump wrote on Truth Social. The commission oversees U.S. securities markets and investments and is currently led by Gary Gensler, who has been leading the U.S. government’s crackdown on the crypto industry. Gensler, who was nominated by President Joe Biden, announced last month that he would be stepping down from his post on the day that Trump is inaugurated — Jan. 20, 2025. Atkins began his career as a lawyer and has a long history working in the financial markets sector, both in government and private practice. In the 1990s, he worked on the staffs of two former SEC chairmen, Richard C. Breeden and Arthur Levitt. Jared Isaacman, 41, is a tech billionaire who bought a series of spaceflights from Elon Musk’s SpaceX and conducted the first private spacewalk . He is the founder and CEO of a card-processing company and has collaborated closely with Musk ever since buying his first chartered SpaceX flight. He took contest winners on that 2021 trip and followed it in September with a mission where he briefly popped out the hatch to test SpaceX’s new spacewalking suits. Rep. Elise Stefanik is a representative from New York and one of Trump's staunchest defenders going back to his first impeachment. Elected to the House in 2014, Stefanik was selected by her GOP House colleagues as House Republican Conference chair in 2021, when former Wyoming Rep. Liz Cheney was removed from the post after publicly criticizing Trump for falsely claiming he won the 2020 election. Stefanik, 40, has served in that role ever since as the third-ranking member of House leadership. Stefanik’s questioning of university presidents over antisemitism on their campuses helped lead to two of those presidents resigning, further raising her national profile. If confirmed, she would represent American interests at the U.N. as Trump vows to end the war waged by Russia against Ukraine begun in 2022. He has also called for peace as Israel continues its offensive against Hamas in Gaza and its invasion of Lebanon to target Hezbollah. President-elect Donald Trump says he's chosen former acting Attorney General Matt Whitaker to serve as U.S. ambassador to NATO. Trump has expressed skepticism about the Western military alliance for years. Trump said in a statement Wednesday that Whitaker is “a strong warrior and loyal Patriot” who “will ensure the United States’ interests are advanced and defended” and “strengthen relationships with our NATO Allies, and stand firm in the face of threats to Peace and Stability.” The choice of Whitaker as the nation’s representative to the North Atlantic Treaty Organization is an unusual one, given his background is as a lawyer and not in foreign policy. President-elect Donald Trump tapped former Sen. David Perdue of Georgia to be ambassador to China, saying in a social media post that the former CEO “brings valuable expertise to help build our relationship with China.” Perdue lost his Senate seat to Democrat Jon Ossoff four years ago and ran unsuccessfully in a primary against Republican Georgia Gov. Brian Kemp. Perdue pushed Trump's debunked lies about electoral fraud during his failed bid for governor. Trump will nominate former Arkansas Gov. Mike Huckabee to be ambassador to Israel. Huckabee is a staunch defender of Israel and his intended nomination comes as Trump has promised to align U.S. foreign policy more closely with Israel's interests as it wages wars against the Iran-backed Hamas and Hezbollah. “He loves Israel, and likewise the people of Israel love him,” Trump said in a statement. “Mike will work tirelessly to bring about peace in the Middle East.” Huckabee, who ran unsuccessfully for the Republican presidential nomination in 2008 and 2016, has been a popular figure among evangelical Christian conservatives, many of whom support Israel due to Old Testament writings that Jews are God’s chosen people and that Israel is their rightful homeland. Trump has been praised by some in this important Republican voting bloc for moving the U.S. embassy in Israel from Tel Aviv to Jerusalem. Guilfoyle is a former California prosecutor and television news personality who led the fundraising for Trump's 2020 campaign and became engaged to Don Jr. in 2020. Trump called her “a close friend and ally” and praised her “sharp intellect make her supremely qualified.” Guilfoyle was on stage with the family on election night. “I am so proud of Kimberly. She loves America and she always has wanted to serve the country as an Ambassador. She will be an amazing leader for America First,” Don Jr. posted. The ambassador positions must be approved by the U.S. Senate. Guilfoyle said in a social media post that she was “honored to accept President Trump’s nomination to serve as the next Ambassador to Greece and I look forward to earning the support of the U.S. Senate.” Trump on Tuesday named real estate investor Steven Witkoff to be special envoy to the Middle East. The 67-year-old Witkoff is the president-elect's golf partner and was golfing with him at Trump's club in West Palm Beach, Florida, on Sept. 15, when the former president was the target of a second attempted assassination. Witkoff “is a Highly Respected Leader in Business and Philanthropy,” Trump said of Witkoff in a statement. “Steve will be an unrelenting Voice for PEACE, and make us all proud." Trump also named Witkoff co-chair, with former Georgia Sen. Kelly Loeffler, of his inaugural committee. Trump said Wednesday that he will nominate Gen. Keith Kellogg to serve as assistant to the president and special envoy for Ukraine and Russia. Kellogg, a retired Army lieutenant general who has long been Trump’s top adviser on defense issues, served as National Security Advisor to Trump's former Vice President Mike Pence. For the America First Policy Institute, one of several groups formed after Trump left office to help lay the groundwork for the next Republican administration, Kellogg in April wrote that “bringing the Russia-Ukraine war to a close will require strong, America First leadership to deliver a peace deal and immediately end the hostilities between the two warring parties.” (AP Photo/Mariam Zuhaib) Trump asked Rep. Michael Waltz, R-Fla., a retired Army National Guard officer and war veteran, to be his national security adviser, Trump announced in a statement Tuesday. The move puts Waltz in the middle of national security crises, ranging from efforts to provide weapons to Ukraine and worries about the growing alliance between Russia and North Korea to the persistent attacks in the Middle East by Iran proxies and the push for a cease-fire between Israel and Hamas and Hezbollah. “Mike has been a strong champion of my America First Foreign Policy agenda,” Trump's statement said, "and will be a tremendous champion of our pursuit of Peace through Strength!” Waltz is a three-term GOP congressman from east-central Florida. He served multiple tours in Afghanistan and also worked in the Pentagon as a policy adviser when Donald Rumsfeld and Robert Gates were defense chiefs. He is considered hawkish on China, and called for a U.S. boycott of the 2022 Winter Olympics in Beijing due to its involvement in the origin of COVID-19 and its mistreatment of the minority Muslim Uighur population. Stephen Miller, an immigration hardliner , was a vocal spokesperson during the presidential campaign for Trump's priority of mass deportations. The 39-year-old was a senior adviser during Trump's first administration. Miller has been a central figure in some of Trump's policy decisions, notably his move to separate thousands of immigrant families. Trump argued throughout the campaign that the nation's economic, national security and social priorities could be met by deporting people who are in the United States illegally. Since Trump left office in 2021, Miller has served as the president of America First Legal, an organization made up of former Trump advisers aimed at challenging the Biden administration, media companies, universities and others over issues such as free speech and national security. Thomas Homan, 62, has been tasked with Trump’s top priority of carrying out the largest deportation operation in the nation’s history. Homan, who served under Trump in his first administration leading U.S. Immigration and Customs Enforcement, was widely expected to be offered a position related to the border, an issue Trump made central to his campaign. Though Homan has insisted such a massive undertaking would be humane, he has long been a loyal supporter of Trump's policy proposals, suggesting at a July conference in Washington that he would be willing to "run the biggest deportation operation this country’s ever seen.” Democrats have criticized Homan for his defending Trump's “zero tolerance” policy on border crossings during his first administration, which led to the separation of thousands of parents and children seeking asylum at the border. Customs and Border Protection, with its roughly 60,000 employees, falls under the Department of Homeland Security. It includes the Border Patrol, which Rodney Scott led during Trump's first term, and is essentially responsible for protecting the country's borders while facilitating trade and travel. Scott comes to the job firmly from the Border Patrol side of the house. He became an agent in 1992 and spent much of his career in San Diego. When he was appointed head of the border agency in January 2020, he enthusiastically embraced Trump's policies. After being forced out under the Biden administration, Scott has been a vocal supporter of Trump's hard-line immigration agenda. He appeared frequently on Fox News and testified in Congress. He's also a senior fellow at the Texas Public Policy Foundation. Former Rep. Billy Long represented Missouri in the U.S. House from 2011 to 2023. Since leaving Congress, Trump said, Long “has worked as a Business and Tax advisor, helping Small Businesses navigate the complexities of complying with the IRS Rules and Regulations.” Former Georgia Sen. Kelly Loeffler was appointed in January 2020 by Georgia Gov. Brian Kemp and then lost a runoff election a year later. She started a conservative voter registration organization and dived into GOP fundraising, becoming one of the top individual donors and bundlers to Trump’s 2024 comeback campaign. Even before nominating her for agriculture secretary, the president-elect already had tapped Loeffler as co-chair of his inaugural committee. Dr. Mehmet Oz, 64, is a former heart surgeon who hosted “The Dr. Oz Show,” a long-running daytime television talk show. He ran unsuccessfully for the U.S. Senate as the Republican nominee in 2022 and is an outspoken supporter of Trump, who endorsed Oz's bid for elected office. Elon Musk, left, and Vivek Ramaswamy speak before Republican presidential nominee former President Donald Trump at an Oct. 27 campaign rally at Madison Square Garden in New York. Trump on Tuesday said Musk and former Republican presidential candidate Ramaswamy will lead a new “Department of Government Efficiency" — which is not, despite the name, a government agency. The acronym “DOGE” is a nod to Musk's favorite cryptocurrency, dogecoin. Trump said Musk and Ramaswamy will work from outside the government to offer the White House “advice and guidance” and will partner with the Office of Management and Budget to “drive large scale structural reform, and create an entrepreneurial approach to Government never seen before.” He added the move would shock government systems. It's not clear how the organization will operate. Musk, owner of X and CEO of Tesla and SpaceX, has been a constant presence at Mar-a-Lago since Trump won the presidential election. Ramaswamy suspended his campaign in January and threw his support behind Trump. Trump said the two will “pave the way for my Administration to dismantle Government Bureaucracy, slash excess regulations, cut wasteful expenditures, and restructure Federal Agencies.” Russell Vought held the position during Trump’s first presidency. After Trump’s initial term ended, Vought founded the Center for Renewing America, a think tank that describes its mission as “renew a consensus of America as a nation under God.” Vought was closely involved with Project 2025, a conservative blueprint for Trump’s second term that he tried to distance himself from during the campaign. Vought has also previously worked as the executive and budget director for the Republican Study Committee, a caucus for conservative House Republicans. He also worked at Heritage Action, the political group tied to The Heritage Foundation, a conservative think tank. Trump says he’s picking Kari Lake as director of Voice of America, installing a staunch loyalist who ran unsuccessfully for Arizona governor and a Senate seat to head the congressionally funded broadcaster that provides independent news reporting around the world. Lake endeared herself to Trump through her dogmatic commitment to the falsehood that both she and Trump were the victims of election fraud. She has never acknowledged losing the gubernatorial race and called herself the “lawful governor” in her 2023 book, “Unafraid: Just Getting Started.” Dan Scavino, deputy chief of staff Scavino, whom Trump's transition referred to in a statement as one of “Trump's longest serving and most trusted aides,” was a senior adviser to Trump's 2024 campaign, as well as his 2016 and 2020 campaigns. He will be deputy chief of staff and assistant to the president. Scavino had run Trump's social media profile in the White House during his first administration. He was also held in contempt of Congress in 2022 after a month-long refusal to comply with a subpoena from the House committee’s investigation into the Jan. 6, 2021, attack on the U.S. Capitol. James Blair, deputy chief of staff Blair was political director for Trump's 2024 campaign and for the Republican National Committee. He will be deputy chief of staff for legislative, political and public affairs and assistant to the president. Blair was key to Trump's economic messaging during his winning White House comeback campaign this year, a driving force behind the candidate's “Trump can fix it” slogan and his query to audiences this fall if they were better off than four years ago. Taylor Budowich, deputy chief of staff Budowich is a veteran Trump campaign aide who launched and directed Make America Great Again, Inc., a super PAC that supported Trump's 2024 campaign. He will be deputy chief of staff for communications and personnel and assistant to the president. Budowich also had served as a spokesman for Trump after his presidency. Jay Bhattacharya, National Institutes of Health Trump has chosen Dr. Jay Bhattacharya to lead the National Institutes of Health. Bhattacharya is a physician and professor at Stanford University School of Medicine, and is a critic of pandemic lockdowns and vaccine mandates. He promoted the idea of herd immunity during the pandemic, arguing that people at low risk should live normally while building up immunity to COVID-19 through infection. The National Institutes of Health funds medical research through competitive grants to researchers at institutions throughout the nation. NIH also conducts its own research with thousands of scientists working at its labs in Bethesda, Maryland. Dr. Marty Makary, Food and Drug Administration Makary is a Johns Hopkins surgeon and author who argued against pandemic lockdowns. He routinely appeared on Fox News during the COVID-19 pandemic and wrote opinion articles questioning masks for children. He cast doubt on vaccine mandates but supported vaccines generally. Makary also cast doubt on whether booster shots worked, which was against federal recommendations on the vaccine. Dr. Janette Nesheiwat, Surgeon General Nesheiwat is a general practitioner who serves as medical director for CityMD, a network of urgent care centers in New York and New Jersey. She has been a contributor to Fox News. Dr. Dave Weldon, U.S. Centers for Disease Control and Prevention Weldon is a former Florida congressman who recently ran for a Florida state legislative seat and lost; Trump backed Weldon’s opponent. In Congress, Weldon weighed in on one of the nation’s most heated debates of the 1990s over quality of life and a right-to-die and whether Terri Schiavo, who was in a persistent vegetative state after cardiac arrest, should have been allowed to have her feeding tube removed. He sided with the parents who did not want it removed. Jamieson Greer, U.S. trade representative Kevin Hassett, Director of the White House National Economic Council Trump is turning to two officials with experience navigating not only Washington but the key issues of income taxes and tariffs as he fills out his economic team. He announced he has chosen international trade attorney Jamieson Greer to be his U.S. trade representative and Kevin Hassett as director of the White House National Economic Council. While Trump has in several cases nominated outsiders to key posts, these picks reflect a recognition that his reputation will likely hinge on restoring the public’s confidence in the economy. Trump said in a statement that Greer was instrumental in his first term in imposing tariffs on China and others and replacing the trade agreement with Canada and Mexico, “therefore making it much better for American Workers.” Hassett, 62, served in the first Trump term as chairman of the Council of Economic Advisers. He has a doctorate from the University of Pennsylvania and worked at the right-leaning American Enterprise Institute before joining the Trump White House in 2017. Ron Johnson, Ambassador to Mexico Johnson — not the Republican senator — served as ambassador to El Salvador during Trump's first administration. His nomination comes as the president-elect has been threatening tariffs on Mexican imports and the mass deportation of migrants who have arrived to the U.S.-Mexico border. Johnson is also a former U.S. Army veteran and was in the Central Intelligence Agency. Tom Barrack, Ambassador to Turkey Barrack, a wealthy financier, met Trump in the 1980s while helping negotiate Trump’s purchase of the renowned Plaza Hotel. He was charged with using his personal access to the former president to secretly promote the interests of the United Arab Emirates, but was acquitted of all counts at a federal trial in 2022. Trump called him a “well-respected and experienced voice of reason.” Andrew Ferguson, Federal Trade Commission Ferguson, who is already one of the FTC's five commissioners, will replace Lina Khan, who became a lightning rod for Wall Street and Silicon Valley by blocking billions of dollars worth of corporate acquisitions and suing Amazon and Meta while alleging anticompetitive behavior. “Andrew has a proven record of standing up to Big Tech censorship, and protecting Freedom of Speech in our Great Country,” Trump wrote on Truth Social, adding, “Andrew will be the most America First, and pro-innovation FTC Chair in our Country’s History.” Jacob Helberg, undersecretary of state for economic growth, energy and the environment Dan Bishop, deputy director for budget at the Office of Budget and Management Leandro Rizzuto, Ambassador to the Washington-based Organization of American States Dan Newlin, Ambassador to Colombia Peter Lamelas, Ambassador to Argentina Stay up-to-date on the latest in local and national government and political topics with our newsletter.
Andrej Stojakovic made 11 free throws to help craft a team-high 20 points, freshman Jeremiah Wilkinson had his second consecutive big game off the bench and Cal ran its winning streak to three with an 83-77 nonconference victory over Sacramento State on Sunday afternoon in Berkeley, Calif. Wilkinson finished with 16 points and Rytis Petraitis 13 for the Golden Bears (5-1), whose only loss this season was at Vanderbilt. Jacob Holt went for a season-high 25 points for the Hornets (1-4), who dropped their fourth straight after a season-opening win over Cal State Maritime. Seeking a fourth straight home win, Cal led by as many as 12 points in the first half and 40-33 at halftime before Sacramento State rallied. The Hornets used a 14-5 burst out of the gate following the intermission to grab a 47-45 lead. Julian Vaughns had a 3-pointer and three-point play in the run. But Cal dominated pretty much the rest of the game, taking the lead for good on a Petraitis 3-pointer with 14:50 remaining. Stojakovic, a transfer from rival Stanford, went 11-for-15 at the foul line en route to his third 20-point game of the young season. Cal outscored Sacramento State 26-17 on free throws to more than account for the margin of victory. Coming off a 23-point explosion in his first extended action of the season, Wilkinson hit five of his 10 shots Sunday. The Golden Bears outshot the Hornets 47.2 percent to 43.1 percent. Joshua Ola-Joseph contributed 10 points and six rebounds, Mady Sissoko also had 10 points and Petraitis found time for a team-high five assists. Holt complemented his 25 points with a game-high eight rebounds. He made four 3-pointers, as did Vaughns en route to 18 points, helping Sacramento State outscore Cal 30-21 from beyond the arc. EJ Neal added 16 points for the Hornets, while Emil Skytta tied for game-high assist honors with five to go with seven points. --Field Level MediaChristopher Nolan is following his Oscar-winning “Oppenheimer” with a true epic: Homer’s “The Odyssey.” It will open in theaters on July 17, 2026, Universal Pictures said Monday. Details remain scarce, but the studio teased that it will be a “mythic action epic shot across the world using brand new IMAX technology.” It will also be the first time that an adaptation of Homer’s saga will play on IMAX film screens. Nolan has been an IMAX enthusiast for years, going back to “The Dark Knight,” and has made his last three films exclusively using large format film and the highest resolution film cameras. For “Oppenheimer,” the first black-and-white IMAX film stock was developed. Nolan hasn’t said specifically what the new technology for “The Odyssey” will be, but earlier this month he told The Associated Press that they’re in an intensive testing phase with IMAX to prepare for the new production. “They have an incredible engineering staff, really brilliant minds doing extraordinary work,” Nolan said. “It’s wonderful to see innovation in the celluloid film arena still happening and happening at the highest level possible.” “The Odyssey” will be Nolan’s second collaboration with Universal Pictures following “Oppenheimer,” which earned nearly $1 billion at the box office and won the filmmaker his first Oscars, including for best director and best picture . Rumors about his next project have been swirling ever since, with near-daily speculations about plot — none of which turned out to be true — and casting. While there are many reports about actors joining the ensemble, none has been officially confirmed by the studio. Copyright 2024 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed without permission. Get local news delivered to your inbox!Farmers call for 'Punjab Bandh' on Dec 30, emergency services to remain open
Hezbollah rockets land near Tel Aviv after big Israeli strike on BeirutGold prices fell on Friday after bullion hit a more than five-week high in the previous session and as the U.S. dollar gained, but prices were on track for a weekly rise on expectations of a Federal Reserve rate cut next week. Spot gold was down 1.1 per cent at $2,652.29 per ounce at 01:43 p.m.(ET), as the US dollar was steady at its highest in more than two weeks, Reuters reported. Bullion hit its highest since November 6 on Thursday, and has risen over 0.8 per cent so far for the week. The US gold futures settled 1.2 per cent lower at $2,675.80. "Gold had an explosive year and we're getting into the tail end of the year which might see some unwinding going into the last few weeks, but I think that's going to be short-lived and believe that gold is going to continue to move much higher," said Daniel Pavilonis, senior market strategist at RJO Futures. Underpinned by easing monetary policies, robust central bank buying, and safe-haven demand, gold has shattered multiple record peaks this year. 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View Program Web Development 12-Factor App Methodology: Principles and Guidelines By - Prince Patni, Software Developer (BI, Data Science) View Program Marketing Future of Marketing & Branding Masterclass By - Dr. David Aaker, Professor Emeritus at the Haas School of Business, UC Berkeley, Author | Speaker | Thought Leader | Branding Consultant View Program Spot silver fell 1.3 per cent to $30.55 per ounce. Platinum lost 0.9 per cent to $921.75 and palladium shed 1.9 per cent to $951.87. All three metals were set for weekly losses. Also Read : 2024 Billboard Music Awards Finally Arrived- See Who All Have Won Traders now see a 97 per cent chance of a 25 basis point rate cut at the Fed's December 17-18 meeting. The focus will also be on Chair Jerome Powell's commentary as market participants analyse U.S monetary policy for 2025, especially in the light of President-elect Donald Trump's tariff plan which economists say would stoke further inflation. Central banks typically keep interest rates elevated to curb inflation, which in turn increases the opportunity cost of holding non-yielding bullion. "Generally speaking, we see a stronger U.S. economy next year, which should leave less room for rate cuts and should thus bring less tailwinds for gold," said Carsten Menke, an analyst at Julius Baer. Also Read : Did Donald Trump pursue Princess Diana and want her as the ultimate trophy wife? Here's what a friend of the royal has said FAQs Q1. What is current price of Gold? A1. Spot gold was down 1.1 per cent at $2,652.29 per ounce at 01:43 p.m.(ET). Q2. How much Gold price has gone up? A2. Gold hit its highest since November 6 on Thursday, and has risen over 0.8 per cent so far for the week. The US gold futures settled 1.2 per cent lower at $2,675.80. (You can now subscribe to our Economic Times WhatsApp channel )
It’s been an eventful year in Canadian politics — and U.S. president-elect Donald Trump’s upcoming return to the White House suggests the next one will be even more turbulent. Join the Star’s Ottawa bureau , for a live virtual conversation on the year that was — from , to , to , to billions in new federal spending, and the continuing rise of ’s Conservatives. Reporters Raisa Patel, Ryan Tumilty, and Mark Ramzy will join host Althia Raj. Return to the Star on Tuesday to watch the live video conversation, or find it as a bonus episode of the podcast in your feed. Here’s how to join:'Wholly achievable': calls grow for $10-a-day childcare
FLORHAM PARK, N.J. (AP) — New York Jets running back Breece Hall could play Sunday at Jacksonville after missing a game with a knee injury. Hall has been dealing with a hyperextension and injured MCL in his left knee that sidelined him last Sunday at Miami. But he was a full participant at practice Friday after sitting out Wednesday and Thursday. Hall was officially listed as questionable on the team's final injury report. Javascript is required for you to be able to read premium content. Please enable it in your browser settings.
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