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Chicago Bears CB Jaylon Johnson turns the page on untimely fall to focus on rare meeting with Justin JeffersonNews that President-elect Donald Trump’s team wants to hack away at the forbidding tangle of U.S. bank regulation is welcome in the abstract. In practice, though, much will depend on the details. The goal should be simplifying financial oversight more broadly — not just defanging a tough watchdog. No doubt, the current system is unwieldy. At the federal level — excluding an array of separate state regulators — three entities oversee banks, two supervise markets, one aims to protect consumers and another defends against financial crimes. Many large institutions must submit to all of them. Senior managers of an average bank today spend some 42 percent of their time on compliance-related tasks. Worse, such fragmentation at times allows risks to fall through the cracks. Much of this system was designed decades ago for a simpler world. One glaring example is the separation of the Securities and Exchange Commission and the Commodity Futures Trading Commission. One was established 90 years ago to protect investors in securities such as stocks and bonds; the other was created 50 years ago to oversee commodities markets and related futures and options contracts. Today, when many financial companies trade in both markets, the two supervisors often overlap and don’t always properly communicate. In 2011, after the chaotic bankruptcy of derivatives broker MF Global Holdings Ltd., a congressional postmortem detailed how the commissions failed to coordinate their approach to the company’s deteriorating finances and disagreed about where to safeguard its customers’ money. Such bifurcation is anomalous by global standards, and policymakers have been talking about combining the two for decades. In a familiar tale, however, politics has taken precedence over common sense: The House Committee on Agriculture has been loath to cede its oversight of the CFTC, which attracts hefty campaign donations from financial companies. (The SEC is under the House Financial Services Committee.) If Trump wants a relatively clear-cut reform, this would be a good place to start. Merging the two commissions would help streamline the rules, reduce compliance costs and ease cooperation with regulators overseas. It would be an ambitious change but not a radical one: Both a former CFTC commissioner and a current SEC commissioner have endorsed the idea. Reforming banking oversight would be less straightforward. It’s true that the U.S. has too many regulators — including the Federal Reserve, the Treasury Department’s Office of the Comptroller of the Currency and the Federal Deposit Insurance Corp. — in addition to state banking authorities. But this morass defies easy fixes; simply folding the FDIC into the Treasury Department, as the Trump team is considering, will likely create more problems than it solves. A better approach would be to create a single prudential authority charged with protecting the financial system. The new body could be overseen by a board that includes representatives from the Fed, the Treasury and the FDIC, while doing away with the OCC entirely. Ideally it would also oversee nonbank companies, such as asset managers, that play a significant role in the system. Such a regulator could focus more on essential risks than on box-checking exercises or turf wars. It would be less susceptible to influence by the companies it oversees and could (in theory) allow for streamlined compliance. It would also make clear where the buck stops when things go wrong. Such far-reaching reforms would require political skill and sustained effort, which were not hallmarks of Trump’s previous term. The ambition is laudable all the same. In regulation as in life, simplicity is a virtue. — Bloomberg NewsMiley Cyrus responded to allegations that she copied Bruno Mars’ 2012 track “When I Was Your Man” when creating her 2023 hit “Flowers.” According to court documents obtained by People Wednesday, lawyers for the pop star denied the copyright infringement claims brought forth by Tempo Music Investments in September. Cyrus’ team argued that Tempo Music Investments only own a portion of Mars’ ballad through the song’s co-writer Philip Lawrence because they hold his catalog. The song’s other co-writers Ari Levine and Andrew Wyatt, however, aren’t affiliated with the group and the Disney alum’s attorney argued that “only owners of exclusive rights may sue for copyright infringement.” The “See You Again” singer’s lawyer added, “an assignee of only one co-author lacks exclusive rights and, therefore, also lacks standing to sue for infringement.” Cyrus’ legal team requested the lawsuit be dismissed. In September, a lawsuit obtained by TMZ alleged that the “Hannah Montana” alum’s Grammy-winning hit and Mars’ songs shared “many musical similarities,” including the harmony, chorus, melody and chord progressions. Tempo Music Investments argued that Cyrus, 32, “intentionally” took inspiration from the “Talking to Moon” crooner’s track. Mars, 39, wasn’t listed as a plaintiff in the lawsuit. “Flowers” won Cryus record of the year and best pop solo performance at the 2024 Grammys in February. “This award is amazing, but I really hope that it doesn’t change anything, because my life was beautiful yesterday,” she told the audience during her acceptance speech. “Not everyone in the world will get a Grammy, but everyone in this world is spectacular, so please don’t think that this is important.” Cyrus allegedly wrote the song about her failed marriage with ex-husband Liam Hemsworth, whom she was wed from 2018 to 2020 . “We were good / We were gold / Kind of dream that can’t be sold / We were right / ‘Til we weren’t / Built a home and watched it burn,” she sings, alluding to her and the “Hunger Games” star’s multimillion-dollar Malibu estate, which was destroyed in a 2018 fire. The “Wrecking Ball” singer released the song on Jan. 12, 2023, hours before Hemsworth’s 33rd birthday.wowjili login 。

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Two Iowa State University professors recently inducted into a national organization recognizing inventors and their accomplishments said they are proud of the work they’ve done and the impacts that they’ve seen first-hand from projects they’ve led or had a hand in. Agricultural and biosystems engineering professor Matt Darr and chemical and biological engineering professor Eric Cochran were both chosen to become National Academy of Inventors 2024 fellows, a cohort that Darr said would provide them with more connections and help them open doors for future inventors. “We’re proud of the fact that the work that we do through innovation and inventions, through patents and tech transfer, doesn’t just stop at a research lab, but ultimately does get in the hands of men and women who feed and fuel the country,” Darr said. The National Academy of Inventors has more than 2,000 fellows in its ranks from all over the U.S., 11 of whom are from ISU, including Cochran and Darr. According to its website, the goal of the organization is to “recognize and encourage inventors with U.S. patents, enhance the visibility of academic technology and innovation, encourage the disclosure of intellectual property, educate and mentor innovative students, and to create wider public understanding of how its members’ inventions benefit society.” The two professors are credited with 141 patents and technology transfer licenses between them, with Darr having authored or co-authored 88 and Cochran having been involved in 53 finished patents and dozens more currently in the process of becoming official patents. Cochran said the steps to receiving a patent on an invention take around five years, starting with the filing of a provisional patent application. “It’s not a full filing ... it’s kind of a flag in the ground that declares that we were first here, and nobody else can come and claim that they were first,” Cochran said. For a year after filing the provisional application, Cochran said, it is “basically a secret” kept by the applicant and the patent office. From there, the applicant decides whether they’d like to submit a “real” application to be reviewed by an examiner. There is usually some back and forth between the applicant and the examiner before the full patent is issued, he said. He can’t discuss technical details of the patents currently under review, Cochran said, but his body of work so far has fallen into three categories — transforming vegetable fats into plastics, rubbers and other coatings; additives and other products for the asphalt industry; and chemical recycling of plastics. Darr’s work is in the field of agricultural technology, he said, with his most well-known projects focused on yield data and monitoring. He likened picking his favorite product of his work to choosing a favorite child, but when it comes down to it, for him it’s all about the impact the work makes on the world and the people in it. One moment that has stuck in Darr’s mind was when he was introducing a sugarcane farmer to live yield mapping. Darr was in the harvester with the farmer when he first used the technology, and he got to see in real-time how the culmination of his work will impact how the farmer thinks about his crop from now on. “It’s a special moment because it was directly connecting our innovation and the impact it created for others,” Darr said. “To see their reaction and their excitement and the possibilities show up in their eyes with how our work could possibly impact their business and their life, those are the ones that really stand out.”

College Football Playoff's first 12-team bracket is set with Oregon No. 1 and SMU in, Alabama out SMU captured the last open spot in the 12-team College Football Playoff, bumping Alabama to land in a bracket that placed undefeated Oregon at No. 1. The selection committee preferred the Mustangs, losers of a heartbreaker in the Atlantic Coast Conference title game, who had a far less difficult schedule than Alabama of the SEC but one fewer loss. The inaugural 12-team bracket marks a new era for college football, though the Alabama-SMU debate made clear there is no perfect formula. The tournament starts Dec. 20-21 with four first-round games. It concludes Jan. 20 with the national title game in Atlanta. Alabama left out of playoff as committee rewards SMU's wins over Crimson Tide's strong schedule The College Football Playoff committee took wins over strength of schedule, taking SMU over Alabama for the final at-large spot in the field. The field was expanded from four to 12 teams this season, but that didn’t save the committee from controversy. SMU showed it could compete against a traditional power, losing to Clemson 34-31 on a 56-yard field goal in the ACC title game on Saturday. Alabama had some ups and downs in its first season under coach Kalen DeBoer. The Crimson Tide had quality wins against Georgia and South Carolina, but lost at Vanderbilt, Tennessee and Oklahoma. Big Ten wins playoff selection derby, followed by SEC despite notable Alabama omission College football’s conference shakeup left concerns about two super conferences dominating the playoff field. They weren’t totally unfounded, or 100% born out. The Big Ten, not the Southeastern Conference, was the biggest winner. The ACC scored, too. The Big Ten led the initial 12-team playoff field with four making the cut, topped by a No. 1 Oregon team that was part of the Pac-12 exodus. Then came the SEC — and one notable omission. ACC runner-up SMU got the nod over college football blue-blood Alabama, another blemish in Kalen DeBoer’s first season as Nick Saban’s championship-or-bust successor. Darnold delivers for Vikings with career-high 347 yards and 5 TDs to beat Falcons, Cousins 42-21 MINNEAPOLIS (AP) — Sam Darnold threw for 347 yards and five touchdowns, both career highs, and the Minnesota Vikings pulled away from Kirk Cousins and the Atlanta Falcons 42-21 for their sixth straight victory. Darnold added another highlight to his brilliant first season with the Vikings following Cousins' departure in free agency to Atlanta with a 22-for-28 performance and no turnover-worthy plays despite heavy first-half pressure. Jordan Addison had eight catches for 133 yards and three scores and Justin Jefferson racked up seven receptions for 132 yards and two touchdowns. Cousins threw two more interceptions without a touchdown in his return to Minnesota. Saquon Barkley sets Eagles season rushing record and has Dickerson's NFL mark in his sights PHILADELPHIA (AP) — Saquon Barkley has broken LeSean McCoy's Eagles franchise record for rushing yards in a season. Barkley has 1,623 yards. He surpassed McCoy's mark of 1,607 yards with a 9-yard run in Sunday's 22-16 win over Carolina. Barkley finished the game with 124 yards, within a yard of his season average. He has four games left and is on pace to break Eric Dickerson's 40-year-old NFL record of 2,105 yards. Dickerson set that record in a 16-game season and Barkley has one more game. Eagles fans serenaded Barkley with “MVP!” chants and McCoy congratulated him on social media. Saints QB Derek Carr injures left hand on dive in 4th quarter of win over Giants EAST RUTHERFORD, N.J. (AP) — New Orleans Saints quarterback Derek Carr injured his left hand late in the fourth quarter of Sunday’s 14-11 victory over the New York Giants when he went airborne while trying for a first down and crashed to the turf. Carr tried to leap over a Giants tackler and landed at the New Orleans 39-yard line, extending his non-throwing hand to break his fall. He was on the turf for a minute or two before walking to the medical tent. He was examined and slowly walked to an area where X-rays are done. The injury could hurt the already slim playoff hopes of the Saints. Tamar Bates scores 29 points to help Missouri beat No. 1 Kansas 76-67 COLUMBIA, Mo. (AP) — Tamar Bates had 29 points and five steals to help Missouri beat Hunter Dickinson and No. 1 Kansas 76-67. Mark Mitchell scored 17 points in Missouri’s first win over Kansas since a 74-71 victory on Feb. 4, 2012. Anthony Robinson II had 11 points and five steals for the 8-1 Tigers. Dickinson had 19 points and 14 rebounds, but he also committed seven turnovers. The 7-2 Jayhawks have lost two straight on the road after falling 76-63 against Creighton on Wednesday night. Scottie Scheffler ends his big year in the Bahamas with his 9th victory NASSAU, Bahamas (AP) — Scottie Scheffler ended his biggest year with another victory. Scheffler was coming off a two-month break and looked as good as ever. He shot 63 in the Hero World Challenge and set tournament records at Albany with a 72-hole total of 263 and a six-shot victory. Tom Kim was the runner-up and Justin Thomas finished third. Scheffler ends his year with nine victories in 21 tournaments. That includes the holiday tournament in the Bahamas and the Olympic gold medal in Paris. It's the third-highest winning percentage in the last 40 years. Tournament host Tiger Woods had two better years. Lindsey Vonn is encouraged by how close she is to being competitive in ski racing return at age 40 COPPER MOUNTAIN, Colo. (AP) — Lindsey Vonn is encouraged by how close she is to being competitive again in her ski racing return at 40 years old. Vonn is still getting her ski equipment dialed in and getting used to going full speed again on her new titanium knee. That’s why all that she's reading into being more than two seconds behind in a pair of lower-level super-G races Sunday is that she’s right there. This after nearly six years away from ski racing and an abbreviated prep period. She was 2.19 seconds behind in the first race and 2.06 in the second. Both were won by her American teammate Lauren Macuga. Plane circles MetLife Stadium with message to co-owner John Mara to fix the Giants' 'dumpster fire' EAST RUTHERFORD, N.J. (AP) — A small plane circled MetLife Stadium roughly 90 minutes before New York was to play host to the New Orleans Saints on Sunday, asking Giants co-owner John Mara to overhaul the team that has made the playoffs twice since winning the Super Bowl in February 2012. “Mr. Mara, enough. Please fix this dumpster fire!” the message read as it was towed behind the rear of a small plane.Indian IT sector's C-suite churn continues

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