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Faster, Smarter, and More Affordable – The U.S.-Made GEN3 Model Delivers Endless Hot Water, Exceptional Efficiency, and Adaptable Design for Every Home SCOTTSDALE, Ariz. , Dec. 2, 2024 /PRNewswire/ -- TrutanklessTM (OTC: TKLS), the premier name in residential electric tankless water heaters, proudly announces the launch of its highly anticipated GEN3 model. Known for its innovation and engineering excellence, Trutankless is back with a cutting-edge solution that promises unmatched reliability, efficiency, and performance for every household. The Trutankless GEN3, shipping now from a U.S.-based manufacturing partner, is built to meet the needs of today's homeowners, combining professional-grade durability with advanced technology for a superior user experience. With faster time-to-temperature – reaching the set point in just 15 seconds, twice as fast as previous models – the GEN3 delivers endless hot water with exceptional energy efficiency. Its sleek, compact, wall-mounted design saves up to 9 square feet of space compared to traditional tanks, making it ideal for modern homes. "Our goal with the GEN3 is to redefine what homeowners can expect from a water heater," said Guy Newman , CEO of Trutankless. "We've taken everything our customers love about Trutankless and made it even better, more reliable, more efficient, and more adaptable to modern living, while keeping affordability in focus." The Trutankless GEN3 is packed with features that set it apart: Every Trutankless GEN3 unit is engineered, tested, and built in the U.S. to meet the highest standards of quality. Backed by an industry-leading protection plan for sellers with a 5-year parts warranty and a 2-year full system warranty, GEN3 ensures long-term peace of mind for homeowners. Trutankless has a legacy of innovation, previously recognized as the Best Home Technology Product by the National Association of Home Builders. With GEN3, the brand continues to lead the electric tankless water heater industry, setting new benchmarks in performance and sustainability. The Trutankless GEN3 is available for purchase through authorized dealers and installers. For more information or to find a local installer, visit https://www.trutankless.com/ . About TrutanklessTM TrutanklessTM is a leading innovator in electric tankless water heating technology. Dedicated to providing efficient, reliable, and eco-friendly solutions, Trutankless continues to set the standard for performance and innovation in the residential water heating industry. https://www.instagram.com/trutankless/ https://www.facebook.com/trutankless https://www.linkedin.com/company/trutankless / View original content to download multimedia: https://www.prnewswire.com/news-releases/trutankless-shipping-gen3-redefining-electric-tankless-water-heating-302320061.html SOURCE Trutankless, Inc.Roundup: Torr grabs first coaching win as Sharon girls defeat Meadville

NEW YORK , Nov. 25, 2024 /PRNewswire/ -- The global secondary tickets market size is estimated to grow by USD 132.1 billion from 2024-2028, according to Technavio. The market is estimated to grow at a CAGR of 34.25% during the forecast period. Rising popularity of sports events is driving market growth, with a trend towards adoption of dynamic pricing. However, growing consumption of online content poses a challenge. Key market players include Ace Ticket LLC, Anschutz Entertainment Group Inc., Citizen Ticket Ltd., Coast To Coast Tickets LLC, CTS Eventim AG and Co. KGaA, eBay Inc., Eventbee Inc., Eventbrite Inc., Face-value Alliance Ticketing Ltd., Ideabud LLC, Live Nation Entertainment Inc., PrimeSport LLC, SeatGeek Inc., Ticket City Inc., TicketNetwork Inc., TickPick LLC, TiqIQ LLC, Twickets Ltd., Viagogo Entertainment Inc., and Vivid Seats Inc., StubHub, Ticketmaster, Razorgator, TicketIQ, TicketNetwork, Gametime AI-Powered Market Evolution Insights. Our comprehensive market report ready with the latest trends, growth opportunities, and strategic analysis- View Free Sample Report PDF Forecast period 2024-2028 Base Year 2023 Historic Data 2018 - 2022 Segment Covered Type (Sports events, Concerts, Performing arts, and Movies), Mode Of Booking (Online and Offline), Usre, and Geography (North America, Europe, APAC, South America, and Middle East and Africa) Region Covered North America, Europe, APAC, South America, and Middle East and Africa Key companies profiled Ace Ticket LLC, Anschutz Entertainment Group Inc., Citizen Ticket Ltd., Coast To Coast Tickets LLC, CTS Eventim AG and Co. KGaA, eBay Inc., Eventbee Inc., Eventbrite Inc., Face-value Alliance Ticketing Ltd., Ideabud LLC, Live Nation Entertainment Inc., PrimeSport LLC, SeatGeek Inc., Ticket City Inc., TicketNetwork Inc., TickPick LLC, TiqIQ LLC, Twickets Ltd., Viagogo Entertainment Inc., and Vivid Seats Inc., StubHub, Ticketmaster, Razorgator, TicketIQ, TicketNetwork, Gametime In the secondary tickets market, dynamic pricing is a popular strategy used by teams and event organizers to set flexible prices based on current demand. This approach allows ticket prices to fluctuate based on factors such as holidays, injuries, team records, day of the week, and weather forecasts. By implementing dynamic pricing, these entities can recover revenue that would otherwise go to scalpers or third-party vendors, reducing ticket touting. Dynamic pricing also helps undercut secondary prices, forcing scalpers to lower their own prices and bringing exchange prices closer to face value. Although this strategy decreases buying volume and profit margins in secondary markets, it effectively combats fraudulent activities and overpricing. Notable secondary ticket vendors employing dynamic pricing include Live Nation Entertainment and TiqIQ. The secondary ticket market continues to be a significant trend in the events industry. With the increasing popularity of concerts, sports, and other live events, the demand for secondary tickets has grown. Companies offer various platforms for fans to buy and sell tickets, providing convenience and flexibility. Events like the Super Bowl, Coachella, and the World Cup generate high demand for secondary tickets. The use of digital platforms and secure payment methods has made the process more efficient and trustworthy. However, concerns around ticket prices and authenticity remain. Consumers must exercise caution and ensure they purchase tickets from reputable sources. The market for event tickets is expected to continue growing, offering opportunities for businesses to innovate and provide better services to customers. Insights on how AI is driving innovation, efficiency, and market growth- Request Sample! • The global secondary tickets market faces challenges due to the rise of online content consumption. In 2021, a significant increase in Internet speeds and affordable data plans led to a growth in online streaming of live events and movies. In the US, over 70% of adults watch weekly online videos, preferring long-form content. Media companies partner with tech providers to expand their online platforms, renewing and adding seasons to successful shows. This trend negatively impacts the secondary tickets market, particularly for sports events and movies, during the forecast period. • In the secondary ticket market, one of the significant challenges is the issue of authenticity and reliability. Fraudulent tickets can be a major concern for both buyers and sellers. Another challenge is the high demand for popular events, leading to exorbitant prices for tickets. This can create a disparity between the face value and the market price. Additionally, the lack of a centralized platform for ticket sales can make it difficult to ensure fair pricing and prevent price gouging. Furthermore, the convenience of online ticket sales comes with its own set of risks, such as cybersecurity threats and identity theft. Lastly, the time difference in ticketing for international events can pose challenges for buyers in different time zones. These issues require constant attention and innovative solutions to ensure a secure and transparent market for secondary tickets. Insights into how AI is reshaping industries and driving growth- Download a Sample Report This secondary tickets market report extensively covers market segmentation by 1.1 Sports events- The secondary tickets market refers to the sale of tickets for events that have already been purchased by individuals but are now being resold. This market provides an opportunity for fans to purchase tickets to sold-out events. It operates through various platforms, including online marketplaces and brokers. The demand for secondary tickets is driven by the desire to attend popular events that may have limited ticket availability. The market functions based on supply and demand principles, with prices fluctuating according to the availability and desirability of the tickets. It's essential to note that the purchase of secondary tickets may come with additional fees and potential risks, such as the possibility of counterfeit tickets. Download complimentary Sample Report to gain insights into AI's impact on market dynamics, emerging trends, and future opportunities- including forecast (2024-2028) and historic data (2018 - 2022) The secondary tickets marketplace experiences significant demand during sold-out concerts, big athletic events, and blockbuster theatrical plays. This demand often leads to a spike in prices, making tickets unaffordable for sincere fans. The resale of tickets through unofficial channels and third-party platforms poses moral concerns and risks, including fraudulent activities, unfair competition, and deceptive advertising. Dishonest persons use automated software and bots to buy tickets in restricted quantities, leading to inflated prices and exorbitant costs. Ethical considerations and customer trust are crucial in this market, as fans seek convenience without falling victim to fraudulent scalpers. The Secondary Tickets Market refers to the sale and purchase of tickets for events that have already been issued. This market operates independently of the primary market, which sells tickets directly from the event organizers or venues. The demand for secondary tickets arises due to various reasons such as unavailability of tickets in the primary market, high demand for popular events, or the convenience of purchasing tickets closer to the event date. The market for secondary tickets is regulated by various laws and regulations to prevent fraudulent activities and ensure fair pricing. The use of technology, such as mobile applications and websites, has significantly increased the accessibility and convenience of buying and selling secondary tickets. The market for secondary tickets is a dynamic one, with prices fluctuating based on various factors such as demand, supply, and the proximity of the event date. 1 Executive Summary 2 Market Landscape 3 Market Sizing 4 Historic Market Size 5 Five Forces Analysis 6 Market Segmentation 7 Customer Landscape 8 Geographic Landscape 9 Drivers, Challenges, and Trends 10 Company Landscape 11 Company Analysis 12 Appendix Technavio is a leading global technology research and advisory company. Their research and analysis focuses on emerging market trends and provides actionable insights to help businesses identify market opportunities and develop effective strategies to optimize their market positions. With over 500 specialized analysts, Technavio's report library consists of more than 17,000 reports and counting, covering 800 technologies, spanning across 50 countries. Their client base consists of enterprises of all sizes, including more than 100 Fortune 500 companies. This growing client base relies on Technavio's comprehensive coverage, extensive research, and actionable market insights to identify opportunities in existing and potential markets and assess their competitive positions within changing market scenarios. Technavio Research Jesse Maida Media & Marketing Executive US: +1 844 364 1100 UK: +44 203 893 3200 Email: media@technavio.com Website: www.technavio.com/ View original content to download multimedia: https://www.prnewswire.com/news-releases/secondary-tickets-market-size-is-set-to-grow-by-usd-132-1-billion-from-2024-2028--rising-popularity-of-sports-events-to-boost-the-revenue--technavio-302315097.html SOURCE Technavio

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Injet New Energy Invites Customers to the 7th China International PV and Energy Storage Industry ConferenceTunnels Design and Construction Market May Set a New Growth Story | AECOM, Strabag, Bechtel 12-24-2024 05:29 PM CET | Advertising, Media Consulting, Marketing Research Press release from: HTF Market Intelligence Consulting Pvt. Ltd. Tunnels Design and Construction Market HTF MI recently introduced Global Tunnels Design and Construction Market study with 143+ pages in-depth overview, describing about the Product / Industry Scope and elaborates market outlook and status (2024-2032). The market Study is segmented by key regions which is accelerating the marketization. At present, the market is developing its presence. Some key players from the complete study are AECOM, Vinci Construction, China Railway Group, Ferrovial, Hochtief AG, Skanska, Bechtel, Balfour Beatty, Strabag, Salini Impregilo, Herrenknecht, Robbins, Eiffage. Download Sample Report PDF (Including Full TOC, Table & Figures) 👉 https://www.htfmarketreport.com/sample-report/3954594-global-tunnels-design-and-construction-market?utm_source=Akash_OpenPR&utm_id=Akash According to HTF Market Intelligence, the Global Tunnels Design and Construction market is expected to grow from 120 Billion USD in 2024 to 220 Billion USD by 2032, with a CAGR of 6.5% from 2024 to 2032. The Tunnels Design and Construction market is segmented by Types (Drill & Blast, Cut & Cover, TBM (Tunnel Boring Machine), Immersed), Application (Transport, Water Management, Power Supply, Mining) and by Geography (North America, LATAM, West Europe, Central & Eastern Europe, Northern Europe, Southern Europe, East Asia, Southeast Asia, South Asia, Central Asia, Oceania, MEA). Definition: This market focuses on the planning, design, and construction of tunnels for transportation, utilities, and infrastructure projects. Engineers and construction firms develop innovative methods to ensure durability and cost efficiency. Dominating Region: • Asia-Pacific Fastest-Growing Region: • Middle East & Africa Market Trends: •Smart Tunnels, Autonomous Construction, Energy Efficiency Market Drivers: •Urbanization, Infrastructure Spending, Sustainable Transport Market Challenges: •Cost Overruns, Environmental Concerns, Regulatory Issues Have a query? Market an enquiry before purchase 👉 https://www.htfmarketreport.com/enquiry-before-buy/3954594-global-tunnels-design-and-construction-market?utm_source=Akash_OpenPR&utm_id=Akash The titled segments and sub-section of the market are illuminated below: In-depth analysis of Tunnels Design and Construction market segments by Types: Drill & Blast, Cut & Cover, TBM (Tunnel Boring Machine), Immersed Detailed analysis of Tank Container Shipping market segments by Applications: Transport, Water Management, Power Supply, Mining Geographically, the detailed analysis of consumption, revenue, market share, and growth rate of the following regions: • The Middle East and Africa (South Africa, Saudi Arabia, UAE, Israel, Egypt, etc.) • North America (United States, Mexico & Canada) • South America (Brazil, Venezuela, Argentina, Ecuador, Peru, Colombia, etc.) • Europe (Turkey, Spain, Turkey, Netherlands Denmark, Belgium, Switzerland, Germany, Russia UK, Italy, France, etc.) • Asia-Pacific (Taiwan, Hong Kong, Singapore, Vietnam, China, Malaysia, Japan, Philippines, Korea, Thailand, India, Indonesia, and Australia). Buy Now Latest Edition of Tunnels Design and Construction Market Report 👉 https://www.htfmarketreport.com/buy-now?format=1&report=3954594?utm_source=Akash_OpenPR&utm_id=Akash Tunnels Design and Construction Market Research Objectives: - Focuses on the key manufacturers, to define, pronounce and examine the value, sales volume, market share, market competition landscape, SWOT analysis, and development plans in the next few years. - To share comprehensive information about the key factors influencing the growth of the market (opportunities, drivers, growth potential, industry-specific challenges and risks). - To analyze the with respect to individual future prospects, growth trends and their involvement to the total market. - To analyze reasonable developments such as agreements, expansions new product launches, and acquisitions in the market. - To deliberately profile the key players and systematically examine their growth strategies. FIVE FORCES & PESTLE ANALYSIS: In order to better understand market conditions five forces analysis is conducted that includes the Bargaining power of buyers, Bargaining power of suppliers, Threat of new entrants, Threat of substitutes, and Threat of rivalry. • Political (Political policy and stability as well as trade, fiscal, and taxation policies) • Economical (Interest rates, employment or unemployment rates, raw material costs, and foreign exchange rates) • Social (Changing family demographics, education levels, cultural trends, attitude changes, and changes in lifestyles) • Technological (Changes in digital or mobile technology, automation, research, and development) • Legal (Employment legislation, consumer law, health, and safety, international as well as trade regulation and restrictions) • Environmental (Climate, recycling procedures, carbon footprint, waste disposal, and sustainability) Get 10-25% Discount on Immediate purchase 👉 https://www.htfmarketreport.com/request-discount/3954594-global-tunnels-design-and-construction-market?utm_source=Akash_OpenPR&utm_id=Akash Points Covered in Table of Content of Global Tunnels Design and Construction Market: Chapter 01 - Tunnels Design and Construction Executive Summary Chapter 02 - Market Overview Chapter 03 - Key Success Factors Chapter 04 - Global Tunnels Design and Construction Market - Pricing Analysis Chapter 05 - Global Tunnels Design and Construction Market Background or History Chapter 06 - Global Tunnels Design and Construction Market Segmentation (e.g. Type, Application) Chapter 07 - Key and Emerging Countries Analysis Worldwide Tunnels Design and Construction Market Chapter 08 - Global Tunnels Design and Construction Market Structure & worth Analysis Chapter 09 - Global Tunnels Design and Construction Market Competitive Analysis & Challenges Chapter 10 - Assumptions and Acronyms Chapter 11 - Tunnels Design and Construction Market Research Methodology Key questions answered • How Global Tunnels Design and Construction Market growth & size is changing in next few years? • Who are the Leading players and what are their futuristic plans in the Global Tunnels Design and Construction market? • What are the key concerns of the 5-forces analysis of the Global Tunnels Design and Construction market? • What are the strengths and weaknesses of the key vendors? • What are the different prospects and threats faced by the dealers in the Global Tunnels Design and Construction market? Thanks for reading this article; you can also get individual chapter-wise sections or region-wise report versions like North America, LATAM, Europe, Japan, Australia or Southeast Asia. Nidhi Bhawsar (PR & Marketing Manager) HTF Market Intelligence Consulting Private Limited Phone: +15075562445 sales@htfmarketreport.com About Author: HTF Market Intelligence Consulting is uniquely positioned to empower and inspire with research and consulting services to empower businesses with growth strategies. We offer services with extraordinary depth and breadth of thought leadership, research, tools, events, and experience that assist in decision-making. This release was published on openPR.European instability

TORONTO — Broad-based gains led Canada's main stock index higher in late-morning trading on Christmas Eve, while U.S. stock markets also rose. The S&P/TSX composite index was up 57.82 points at 24,806.80. In New York, the Dow Jones industrial average was up 177.64 points at 43,084.59. The S&P 500 index was up 43.11 points at 6,017.18, while the Nasdaq composite was up 210.74 points at 19,975.62. The Canadian dollar traded for 69.50 cents US compared with 69.47 cents US on Monday. The February crude oil contract was up 91 cents at US$70.15 per barrel and the February natural gas contract was up 13 cents at US$3.48 per mmBTU. The February gold contract was down US$1.10 at US$2,627.10 an ounce and the March copper contract was up two cents at US$4.11 a pound. This report by The Canadian Press was first published Dec. 24, 2024. Companies in this story: (TSX:GSPTSE, TSX:CADUSD) The Canadian PressAs open enrollment for Affordable Care Act plans continues through Jan. 15, you’re likely seeing fewer social media ads promising monthly cash cards worth hundreds, if not thousands, of dollars that you can use for groceries, medical bills, rent and other expenses. But don’t worry. You haven’t missed out on any windfalls. Clicking on one of those ads would not have provided you with a cash card — at least not worth hundreds or thousands. But you might have found yourself switched to a health insurance plan you did not authorize, unable to afford treatment for an unforeseen medical emergency, and owing thousands of dollars to the IRS, according to an ongoing lawsuit against companies and individuals who plaintiffs say masterminded the ads and alleged scams committed against millions of people who responded to them. The absence of those once-ubiquitous ads are likely a result of the federal government suspending access to the ACA marketplace for two companies that market health insurance out of South Florida offices, amid accusations they used “fraudulent” ads to lure customers and then switched their insurance plans and agents without their knowledge. In its suspension letter, the Centers for Medicare & Medicaid Services (CMS) cited “credible allegations of misconduct” in the agency’s decision to suspend the abilities of two companies — TrueCoverage (doing business as Inshura) and BenefitAlign — to transact information with the marketplace. CMS licenses and monitors agencies that use their own websites and information technology platforms to enroll health insurance customers in ACA plans offered in the federal marketplace. The alleged scheme affected millions of consumers, according to a lawsuit winding its way through U.S. District Court in Fort Lauderdale that seeks class-action status. An amended version of the suit, filed in August, increased the number of defendants from six to 12: — TrueCoverage LLC, an Albuquerque, New Mexico-based health insurance agency with large offices in Miami, Miramar and Deerfield Beach. TrueCoverage is a sub-tenant of the South Florida Sun Sentinel in a building leased by the newspaper in Deerfield Beach. — Enhance Health LLC, a Sunrise-based health insurance agency that the lawsuit says was founded by Matthew Herman, also named as a defendant, with a $150 million investment from hedge fund Bain Capital’s insurance division. Bain Capital Insurance Fund LP is also a defendant. — Speridian Technologies LLC, accused in the lawsuit of establishing two direct enrollment platforms that provided TrueCoverage and other agencies access to the ACA marketplace. — Benefitalign LLC, identified in the suit as one of the direct enrollment platforms created by Speridian. Like Speridian and TrueCoverage, the company is based in Albuquerque, New Mexico. — Number One Prospecting LLC, doing business as Minerva Marketing, based in Fort Lauderdale, and its founder, Brandon Bowsky, accused of developing the social media ads that drove customers — or “leads” — to the health insurance agencies. — Digital Media Solutions LLC, doing business as Protect Health, a Miami-based agency that the suit says bought Minerva’s “fraudulent” ads. In September, the company filed for Chapter 11 protection from creditors in United States Bankruptcy Court in Texas, which automatically suspended claims filed against the company. — Net Health Affiliates Inc., an Aventura-based agency the lawsuit says was associated with Enhance Health and like it, bought leads from Minerva. — Garish Panicker, identified in the lawsuit as half-owner of Speridian Global Holdings and day-to-day controller of companies under its umbrella, including TrueCoverage, Benefitalign and Speridian Technologies. — Matthew Goldfuss, accused by the suit of overseeing and directing TrueCoverage’s ACA enrollment efforts. All of the defendants have filed motions to dismiss the lawsuit. The motions deny the allegations and argue that the plaintiffs failed to properly state their claims and lack the standing to file the complaints. The Sun Sentinel sent requests for comment and lists of questions about the cases to four separate law firms representing separate groups of defendants. Three of the law firms — one representing Brandon Bowsky and Number One Prospecting LLC d/b/a Minerva Marketing, and two others representing Net Health Affiliates Inc. and Bain Capital Insurance Fund — did not respond to the requests. A representative of Enhance Health LLC and Matthew Herman, Olga M. Vieira of the Miami-based firm Quinn Emanuel Urquhart & Sullivan LLP, responded with a short message saying she was glad the newspaper knew a motion to dismiss the charges had been filed by the defendants. She also said that, “Enhance has denied all the allegations as reported previously in the media.” Catherine Riedel, a communications specialist representing TrueCoverage LLC, Benefitalign LLC, Speridian Technologies LLC, Girish Panicker and Matthew Goldfuss, issued the following statement: “TrueCoverage takes these allegations very seriously and is responding appropriately. While we cannot comment on ongoing litigation, we strongly believe that the allegations are baseless and without merit. “Compliance is our business. The TrueCoverage team records and reviews every call with a customer, including during Open Enrollment when roughly 500 agents handle nearly 30,000 calls a day. No customer is enrolled into any policy without a formal verbal consent given by the customer. If any customer calls in as a result of misleading content presented by third-party marketing vendors, agents are trained to correct such misinformation and action is taken against such third-party vendors.” Through Riedel, the defendants declined to answer follow-up questions, including whether the company remains in business, whether it continues to enroll Affordable Care Act clients, and whether it is still operating its New Mexico call center using another affiliated technology platform. The suspension notification from the Centers for Medicare and Medicaid Services letter cites several factors, including the histories of noncompliance and previous suspensions. The letter noted suspicion that TrueCoverage and Benefitalign were storing consumers’ personally identifiable information in databases located in India and possibly other overseas locations in violation of the centers’ rules. The letter also notes allegations against the companies in the pending lawsuit that “they engaged in a variety of illegal practices, including violations of the (Racketeer Influenced & Corrupt Organizations, or RICO Act), misuse of consumer (personal identifiable information) and insurance fraud.” The amended lawsuit filed in August names as plaintiffs five individuals who say their insurance plans were changed and two agencies who say they lost money when they were replaced as agents. The lawsuit accuses the defendants of 55 counts of wrongdoing, ranging from running ads offering thousands of dollars in cash that they knew would never be provided directly to consumers, switching millions of consumers into different insurance policies without their authorization, misstating their household incomes to make them eligible for $0 premium coverage, and “stealing” commissions by switching the agents listed in their accounts. TrueCoverage, Enhance Health, Protect Health, and some of their associates “engaged in hundreds of thousands of agent-of-record swaps to steal other agents’ commissions,” the suit states. “Using the Benefitalign and Inshura platforms, they created large spreadsheet lists of consumer names, dates of birth and zip codes.” They provided those spreadsheets to agents, it says, and instructed them to access platforms linked to the ACA marketplace and change the customers’ agents of record “without telling the client or providing informed consent.” “In doing so, they immediately captured the monthly commissions of agents ... who had originally worked with the consumers directly to sign them up,” the lawsuit asserts. TrueCoverage employees who complained about dealing with prospects who called looking for cash cards were routinely chided by supervisors who told them to be vague and keep making money, the suit says. When the Centers for Medicare and Medicaid Services began contacting the company in January about customer complaints, the suit says TrueCoverage enrollment supervisor Matthew Goldfuss sent an email instructing agents “do not respond.” The lawsuit states the “scheme” was made possible in 2021 when Congress passed the American Rescue Plan Act in the wake of the COVID pandemic. The act made it possible for Americans with household incomes between 100% and 150% of the federal poverty level to pay zero in premiums and it enabled those consumers to enroll in ACA plans all year round, instead of during the three-month open enrollment period from November to January. Experienced health insurance brokers recognized the opportunity presented by the changes, the lawsuit says. More than 40 million Americans live within 100% and 150% of the federal poverty level, while only 15 million had ACA insurance at the time. The defendants developed or benefited from online ads, the lawsuit says, which falsely promised “hundreds and sometimes thousands of dollars per month in cash benefits such as subsidy cards to pay for common expenses like rent, groceries, and gas.” Consumers who clicked on the ads were brought to a landing page that asked a few qualifying questions, and if their answers suggested that they might qualify for a low-cost or no-cost plan, they were provided a phone number to a health insurance agency. There was a major problem with the plan, according to the lawsuit. “Customers believe they are being routed to someone who will send them a free cash card, not enroll them in health insurance.” By law, the federal government sends subsidies for ACA plans to insurance companies, and not to individual consumers. Scripts were developed requiring agents not to mention a cash card, and if a customer mentions a cash card, “be vague” and tell the caller that only the insurance carrier can provide that information, the lawsuit alleges. In September, the defendants filed a motion to dismiss the claims. In addition to denying the charges, they argued that the class plaintiffs lacked the standing to make the accusations and failed to demonstrate that they suffered harm. The motion also argued that the lawsuit’s accusations failed to meet requirements necessary to claim civil violations of the RICO Act. Miami-based attorney Jason Kellogg, representing the plaintiffs, said he doesn’t expect a ruling on the motion to dismiss the case for several months. The complaint also lists nearly 50 companies, not named as defendants, that it says fed business to TrueCoverage and Enhance Health. Known in the industry as “downlines,” most operate in office parks throughout South Florida, the lawsuit says. The lawsuit quotes former TrueCoverage employees complaining about having to work with customers lured by false cash promises in the online ads. A former employee who worked in the company’s Deerfield Beach office was quoted in the lawsuit as saying that senior TrueCoverage and Speridian executives “knew that consumers were calling in response to the false advertisements promising cash cards and they pressured agents to use them to enroll consumers into ACA plans.” A former human resources manager for TrueCoverage said sales agents frequently complained “that they did not feel comfortable having to mislead consumers,” the lawsuit said. Over two dozen agents “came to me with these complaints and showed me the false advertisements that consumers who called in were showing them,” the lawsuit quoted the former manager as saying. For much of the time the companies operated, the ACA marketplace enabled agents to easily access customer accounts using their names and Social Security numbers, change their insurance plans and switch their agents of record without their knowledge or authorization, the lawsuit says. This resulted in customers’ original agents losing their commissions and many of the policyholders finding out they suddenly owed far more for health care services than their original plans had required, the suit states. It says that one of the co-plaintiffs’ health plans was changed at least 22 times without her consent. She first discovered that she had lost her original plan when she sought to renew a prescription for her heart condition and her doctor told her she did not have health insurance, the suit states. Another co-plaintiff’s policy was switched after her husband responded to one of the cash card advertisements, the lawsuit says. That couple’s insurance plan was switched multiple times after a TrueCoverage agent excluded the wife’s income from an application so the couple would qualify. Later, they received bills from the IRS for $4,300 to cover tax credits issued to pay for the plans. CMS barred TrueCoverage and BenefitAlign from accessing the ACA marketplace. It said it received more than 90,000 complaints about unauthorized plan switches and more than 183,500 complaints about unauthorized enrollments, but the agency did not attribute all of the complaints to activities by the two companies. In addition, CMS restricted all agents’ abilities to alter policyholders’ enrollment information, the lawsuit says. Now access is allowed only for agents that already represent policyholders or if the policyholder participates in a three-way call with an agent and a marketplace employee. Between June and October, the agency barred 850 agents and brokers from accessing the marketplace “for reasonable suspicion of fraudulent or abusive conduct related to unauthorized enrollments or unauthorized plan switches,” according to an October CMS news release . The changes resulted in a “dramatic and sustained drop” in unauthorized activity, including a nearly 70% decrease in plan changes associated with an agent or broker and a nearly 90% decrease in changes to agent or broker commission information, the release said. It added that while consumers were often unaware of such changes, the opportunity to make them provided “significant financial incentive for non-compliant agents and brokers.” But CMS’ restrictions might be having unintended consequences for law-abiding agents and brokers. A story published by Insurance News Net on Nov. 11 quoted the president of the Health Agents for America (HAFA) trade group as saying agents are being suspended by CMS after being flagged by a mysterious algorithm that no one can figure out. The story quotes HAFA president Ronnell Nolan as surmising, “maybe they wrote too many policies on the same day for people who have the same income or they’re writing too many policies on people of a certain occupation.” Nolan continued, “We have members who have thousands of ACA clients. They can’t update or renew their clients. So those consumers have lost access to their professional agent, which is simply unfair.” Ron Hurtibise covers business and consumer issues for the South Florida Sun Sentinel. He can be reached by phone at 954-356-4071, on Twitter @ronhurtibise or by email at rhurtibise@sunsentinel.com.

Ask any Brit which they're looking forward to browsing first, and most will say . The British retailer rarely has sales, so when it does have its , it reduces everything from clothing and accessories to footwear, homeware, and electricals. Plus, you're guaranteed to get the cheapest price of the year, with by at least 50%, so you know you're definitely bagging a bargain. Next's highly anticipated Boxing Day sale starts today with at least 50% off a huge range of products. The retailer rarely does sales, so this is one site you're definitely going to want to check out. This year, the sale started early on Christmas Eve, and right now, it's the only place where you can bag yourself a , as the . Want to know what other Boxing Day sales are already in full swing? You can , so you don't miss out on some mega savings. Unlike other online retailers where you can click on specific product pages, read more about the product and then add it to your basket. Next has a slightly different system in its where you have to either just scroll through the , or you can search the sale for specific items using the 'Shop Sale' box at the top of the page. This could be either more generic terms, such as , or a specific product name that you know you're after (for example, we love the look of this ). You can also search by brand, as Next stock a ton of that are now hugely discounted, including , and . While you can't click onto the product pages for more info or images, still lets you see what sizes are available, as well as the original and discounted prices. Useful tip: you can also click on the image to make it bigger so you can get a better look at the item too. To add an item to your basket, all you need to do is pick your size from the dropdown menu and then click 'add.' It will then be added to your basket, so you can check out. To help you find some of the best items, we've scrolled through hundreds of the now reduced to bring you our top picks. Shop now: | £24 (Was £54) | £14 (Was £35) | £22 (Was £45) | £145 (Was £299) | £17 (Was £45) | £14 (Was £40)Boise State's legacy includes winning coaches and championship moments

WASHINGTON (AP) — Special counsel Jack Smith moved to abandon two criminal cases against Donald Trump on Monday, acknowledging that Trump’s will preclude attempts to federally prosecute him for retaining classified documents or trying to overturn his 2020 election defeat. The decision was inevitable, since longstanding Justice Department policy says sitting presidents cannot face criminal prosecution. Yet it was still a momentous finale to an unprecedented chapter in political and law enforcement history, as federal officials attempted to hold accountable a former president while he was simultaneously running for another term. In court filings, Smith’s team emphasized that the move to abandon their prosecutions was not a reflection of the merit of the cases but a recognition of the legal shield that surrounds any commander in chief. “That prohibition is categorical and does not turn on the gravity of the crimes charged, the strength of the Government’s proof, or the merits of the prosecution, which the Government stands fully behind,” the prosecutors wrote in one of their filings. Smith’s team said it was leaving intact charges against two co-defendants in the classified documents case — Trump valet Walt Nauta and Mar-a-Lago property manager Carlos De Oliveira — because “no principle of temporary immunity applies to them.” Steven Cheung, Trump’s incoming White House communications director, welcomed the decision to drop the prosecutions against the president-elect, describing it as a “major victory for the rule of law.” “The American People and President Trump want an immediate end to the political weaponization of our justice system and we look forward to uniting our country,” Cheung said in a statement. Trump has long described the investigations as politically motivated, and he has vowed to fire Smith as soon as he takes office in January. Now he will re-enter the White House free from criminal scrutiny by the government that he will lead.The federal government released five alternatives for managing a drier Colorado River in an effort to come up with a long-term strategy for keeping the river from falling to critically low levels. But it didn’t release alternatives submitted by the river’s Lower and Upper Basin states, which have been deadlocked for months. Instead, the Bureau of Reclamation chose to combine various parts of those alternatives with elements of an alternative submitted by 16 tribes, including eight tribes from Arizona, although not the Tohono O’Odham and Pascua-Yaqui tribes in Southern Arizona. Most of the alternatives issued Wednesday offer different scenarios for reservoir levels that would lead to declarations of water shortages, how shortages would be apportioned among the states, how much water use would be curtailed during shortages, and how much water would be released from Glen Canyon Dam to Lake Mead at Hoover Dam. They’re aimed at creating a new operating regime for the river and its reservoirs to use after current operating rules expire at the end of 2026. The amount of water released from Lake Powell at Glen Canyon Dam to Lake Mead is crucial for residents of Arizona, Nevada and California, the Lower Basin states. They rely on Mead to supply water for drinking, farming and industry. in developing alternatives, the bureau combined elements of Upper and Lower Basin and tribal proposals into two alternatives, and based a third alternative on a proposal by conservation groups. A fourth alternative is based mainly on ideas from federal officials. A fifth is a “No Action” alternative that won’t be adopted but is required to be analyzed under federal law. The bureau likely won’t propose a specific alternative until it releases a draft environmental impact statement. The Colorado Sun website reported this statement will be released in December, but Interior Department officials, who oversee the bureau, didn’t confirm a date when asked by the Arizona Daily Star. The bureau didn’t propose alternatives reflecting the two basins’ positions because it hopes to reach compromise, said David Wegner, a retired bureau engineer who sits on a National Academy of Sciences advisory board. “They’re hoping to nudge states to develop a collective, collaborative, basin-wide alternative,” Wegner said. “This is part of the chess game as to how you get to a solution. You have to force the issue.” Lake Mead along the Colorado River at the Utah and Arizona border. “Reclamation’s goal for the post-2026 process is to allow for the adoption of specific guidelines for the coordinated reservoir management of Lake Powell and Lake Mead through their full operating range and to provide for the sustainable management of the Colorado River system,” an Interior spokesman told the Star. Here are specific alternatives: Alternative 1: It’s designed to achieve what the bureau says is “robust protection of critical infrastructure.” Lake Powell releases would be determined based on elevations of water levels in Powell, unless what’s known as “equalization releases” are required to keep Powell and Mead at roughly equivalent elevations. Annual releases from Powell to Mead would range from 5 million to 9.5 million acre-feet annually, compared to a historical average release of 8.23 million acre-feet and recent releases of 7.48 million. If necessary, releases to Mead could be cut below 5 million acre-feet and Powell could get additional water from upstream reservoirs to protect Glen Canyon Dam’s critical infrastructure. The Lower Basin states may have to take cuts in deliveries of up to 3.5 million acre-feet annually. The cuts taken by each state would be based on their legal priorities for river water and would be triggered based strictly on water levels at Powell and Mead. Alternative 2: It’s based on proposals submitted by both basins and the tribes. It would include unspecified “new delivery and storage mechanisms” for Powell and Mead, using both federal and non-federal water storage pools and “maximum flexibilities for all users.” Lower Basin shortages would start at 1.5 million acre-feet and top out at 3.5 million acre-feet. Shortages would be triggered by the combined shortage in seven reservoirs — an idea proposed by the Lower Basin states — and “distributed pro-rata,” which typically means they would be split proportionally among users based on their existing use. Shortages currently are based on levels in Lake Mead. Alternative 3: Based on a proposal submitted by a coalition of conservation groups. It sets a goal of stabilizing water storage for the entire river system, integrating “stewardship and mitigation strategies of Lakes Powell and Mead,” and maintaining opportunities for U.S.-Mexico cooperative measures and for water conservation. Lake Powell releases would range from 5 million to 11 million acre-feet annually, and would be determined by total Upper Basin water storage, and Lower Basin shortages could reach 4 million acre-feet. Alternative 4: Also combines proposals from the two basins and tribes. Under it, annual Lake Powell releases would range from 5 million to 12 million acre-feet, and based mainly on Powell’s water level with some scenarios also considering Mead’s elevation. This alternative would have water cutbacks by both Upper and Lower Basins, with Upper Basin contributions stored in Powell and Lower Basin shortages limited to 2.1 million acre-feet annually and based on water levels in seven river reservoirs. Arizona Department of Water Resources Director Tom Buschatzke said he’s disappointed and Central Arizona Project General Manager Brenda Burman said she’s surprised the Lower Basin alternative wasn’t studied as a whole. “The Lower Basin’s alternative didn’t start at one extreme or the other, and it showed unequivocally that the Lower Basin was willing to take the first tranche of cuts,” he said. “We believe any future consensus alternative will need to include both and believe that all the states that benefit from the river still need to share in the solution to protect its future,” said Burman, noting that CAP, ADWR and other Arizona water officials had discussed the benefits of this approach at a public meeting. In a statement, Colorado River Commissioner Becky Mitchell of the state of Colorado said, “Colorado cannot speak directly to the contents of Reclamation’s matrix of potential alternatives at this time. Colorado continues to stand firmly behind the Upper Division States’ Alternative, which performs best according to Reclamation’s own modeling and directly meets the purpose and need of this federal action. “The Upper Division States Alternative is supply-driven and is designed to help rebuild storage at our nation’s two largest reservoirs,” Mitchell said. The Upper Basin states are Colorado, New Mexico, Utah and Wyoming. Contact Tony Davis at 520-349-0350 or tdavis@tucson.com . Follow Davis on Twitter@tonydavis987 . 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! Reporter

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The NBA fined Timberwolves guard Anthony Edwards $75,000 on Monday for criticizing the referees of Saturday's game between Minnesota and the visiting Golden State Warriors. In a release, the league said Edwards used "inappropriate and profane language" during a postgame media session after the Timberwolves' 113-103 loss. Javascript is required for you to be able to read premium content. Please enable it in your browser settings. Stacker compiled a list of cities with the most expensive homes in the Savannah metro area using data from Zillow. Click for more. Cities with the most expensive homes in the Savannah metro area

Eagles WR DeVonta Smith (hamstring) ruled out vs. Rams