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These AI tools offer help to commercial real estate prosWeb3Bay’s (3BAY) Is the Crypto Innovation You Can’t-Miss – Arbitrum & Fantom’s Explosive Moves!The Heat have agreed to trade veteran center Thomas Bryant to the Pacers, sources tell Shams Charania of ESPN . The deal will have to wait until Sunday, as that’s when Bryant becomes trade-eligible . Indiana will send Miami a second-round pick swap to complete the transaction, according to Charania. Anthony Chiang of The Miami Herald (X links ) confirms the news, noting that by dumping Bryant’s salary, the Heat will soon have just 13 players on standard contracts and more financial flexibility to potentially convert a player on a two-way deal to a standard contract — this morning we identified Dru Smith as a possible candidate to be promoted . Ian Begley of SNY.tv hears the Pacers discussed sending James Wiseman to the Heat in the deal, but he won’t be included in the final version (X link ). Wiseman is out for the season after sustaining a torn Achilles tendon on opening night. The Pacers won’t have to send out matching salary to acquire Bryant, since his contract can be taken on using the minimum salary exception. Since Indiana has an open standard roster spot, the team also won’t need to waive anyone to add Bryant. According to ESPN’s Bobby Marks (X link ), the Heat will save $4.7M toward their project luxury tax payment by moving off Bryant’s $2,087,519 salary. They’ll also create a traded player exception worth the exact amount of Bryant’s outgoing contract. Miami will be approximately $3.7M below the second tax apron once the deal is finalized, Marks adds. Charania reported a few days ago that Indiana was “actively pursuing” a backup center in the wake of season-ending injuries to Wiseman and fellow big man Isaiah Jackson , who also suffered a torn Achilles tendon this fall. Jake Fischer confirmed that report today, with league sources indicating a deal would likely be completed shortly after Dec. 15, when many players around the NBA become eligible to be traded. Assuming the trade is completed on Sunday, the Heat will have until Dec. 29 to add a 14th player to their standard roster. The club will also have the ability to add a 15th man while staying below the second apron if it so chooses. Bryant, 27, is an eight-year veteran, having previously played for the Lakers, Wizards and Nuggets prior to joining Miami. He won a title with Denver in 2023, though his role was very limited. The big man played his college ball with the Indiana Hoosiers from 2015-17. After being in and out of Miami’s rotation in 2023/24, Bryant’s role fluctuated once again this season, with averages of 4.3 points and 3.2 rebounds in 10 games (11.5 minutes per contest). He re-signed with the Heat on a one-year, minimum-salary deal over the offseason. Bryant’s one-year deal with the Heat would typically have given him the right to veto a trade, but he agreed to waive that right as part of the contract agreement. This article first appeared on Hoops Rumors and was syndicated with permission.

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SANTA BARBARA, Calif. , Nov. 26, 2024 /PRNewswire/ -- Traccom Inc. (Pink Open Market Symbol: TRCC) is pleased to announce that on November 13, 2024 , it acquired all of the capital stock of Vulcain, Inc. ("Vulcain"). As a result of the acquisition, Vulcain has become a wholly owned and main operating subsidiary of Traccom effective immediately. Upon completion of the transaction on November 13, 2024 , Vulcain shareholders were issued 117,813,680 shares of common stock of Traccom in exchange for the acquisition of 100% of the capital stock of Vulcain. This represents 95% of the fully diluted shares of Traccom after the issuance thereof. With the transaction, Vulcain added three members to the Traccom board of directors, with Greg Duffell as CEO, President and CFO, Peter Stockmann as President of the Americas, and replaced Traccom's management. This marks a significant milestone for Vulcain. The company will broaden its market presence in the growing opportunity for Artificial Intelligence (AI) based data solutions. "Trading as a public entity on the Pink Open Market is an important step for Vulcain as we continue to evolve and expand our reach within the Causal AI and Knowledge Management sector," said Greg Duffell , CEO of Traccom. "This transaction will provide us with greater access to capital, enhance our visibility in the marketplace, and allow more investors to participate in our growth story." Becoming a publicly traded company will allow Vulcain to enhance their visibility. This reflects the company's commitment to increasing shareholder value and advancing its corporate growth strategy in Causal AI and Knowledge Management space. Former Traccom CEO and continuing Board member, Harry Steck stated, "For Traccom's shareholders, this transaction provides the opportunity to be invested in one of today's most exciting industries with an impressive technology and management team." Vulcain has commercialized casual AI solutions across various industries including leading US brands in the Consumer-Packaged Goods (CPG) sector to generate annual recurring revenues (ARR) for the company. Vulcain is planning a next phase of expansion into Insurance, Healthcare, Financial Services and other industries. Vulcain uses causal machine learning algorithms and human domain experts to provide high quality causal features necessary for an accurate AI solution. Vulcain's Causal AI Platform includes causal reasoning models to provide predictive outcomes that identify and explain event risks and opportunities for businesses. Vulcain will continue to focus on bringing human domain knowledge into AI solutions and driving value for organizations seeking to unleash the knowledge from their vast amounts of data, content and domain expertise. Key Highlights: The company is at the intersection of human and artificial intelligence, leading the charge to AI 3.0 with high value feature solutions for business. Vulcain's Causal AI platform is used for harmonizing, testing, and validating data for extracting and commercializing knowledge. The Vulcain platform combines hundreds of millions of AI ready data sets and human domain knowledge to provide a ready to use solution that can be customized, scaled and adapted for customer use-cases and human intervention. With a commitment to human-AI, excellence, sustainability, and customer-centric solutions, the company believes that it is poised for long-term growth and success in the global AI marketplace. For more information about the company and its wholly owned subsidiary Vulcain, Inc., visit www.vulcain.ai . Forward-Looking Statements This press release may include ''forward-looking statements.'' All statements pertaining to our future financial and/or operating results, future events, or future developments may constitute forward-looking statements. The statements may be identified by words such as "expect," "look forward to," "anticipate," "intend," "plan," "believe," "seek," "estimate," "will," "project," or words of similar meaning. Such statements are based on the current expectations and certain assumptions of our management, of which many are beyond our control. These are subject to a number of risks, uncertainties and factors. Should one or more of these risks or uncertainties materialize or should underlying expectations not occur or assumptions prove incorrect, actual results, performance, or our achievements may (negatively or positively) vary materially from those described explicitly or implicitly in the relevant forward-looking statement. We neither intend, nor assume any obligation, to update or revise these forward-looking statements in light of developments which differ from those anticipated. You are urged to carefully review and consider any cautionary statements and the Company's other disclosures filed with the Securities and Exchange Commission. Forward-looking statements speak only as of the date of the document in which they are contained. Contact: [email protected]Professor Sean Tweedy used to be a classifier for international paralympic sport. It was his job to determine how an athlete's disability affected their ability to perform their sport. "I'd ask them to do certain activities and they'd say 'look, I'll do as well as I can for you but you've got to know my disability is more severe than this', Prof Tweedy told AAP on Tuesday. "I should be in a class with more severe disabilities, it's only because I've worked so hard that I can do these things." And so began a scientific quest to determine whether performance-driven sport could arrest the motor function decline of disabled athletes. With the support of the University of Queensland, the paraSTART program was created. Prof Tweedy says people with severe disabilities are an under-studied population. So his team selected three people with severe cerebral palsy who had never swum before to participate in a training regime that replicated that of an elite para-athlete. Nate Woolgar was one of those who joined in 2017. "I was very keen to learn to swim because I was actually kind of tired of being anxious around swimming pools," he told AAP. The program included two-to-three weekly swimming sessions, along with strength and conditioning work as well as a diet regime and sleep training. "We were mostly managing drowning risks in the first few weeks, they were genuinely learning to swim, Prof Tweedy said. "It was about six-to-12 months before they would start to do sessions that weren't just about staying afloat - they were able to physically exert themselves."The athletes were asked to stick around for a year, but seven years later they are all still going - with 24 more people joining the training program. "There have been some very challenging times, but there's been no times where I felt that I wanted to stop", Mr Woolgar said. Despite not being able to stand or walk independently, they can all now swim a kilometre. While medium-to-mild cerebral palsy is generally not degenerative, people with severe CP often experience a decline from the age of nine to through to adolescence. But all three athletes in the program defied that typical decline by improving their motor function. Prof Tweedy described the results as "phenomenal". He said he would have been prepared to make the argument that if there wasn't any motor improvement the participants still got a whole lot our of it. "They made friends, they felt good about themselves, they're swimming faster, and they're into a sport that gave them a sense of purpose." Mr Woolgar is one of the cohort's strongest swimmers with a promising future, alongside his swimming mate Jamie Booth who is a national record holder. "My goal for the program right now is to reach the Queensland state times for people in my swimming class, and I'm two seconds off, Mr Woolgar said. Prof Tweedy hopes more funding could see the program expand to help people with severe disabilities who are "not even getting in pool, or to the start line". "The creation of opportunities would start to reduce the likelihood they have never swum before and make champions out of them," he said. It's not about creating elite athletes, but rather giving those often overlooked in the sporting arena a chance to experience the benefits that come with it. "My mental state has definitely improved because of all the exercise I'm doing, Mr Woolgar said. "And in terms of the body, I definitely feel fitter and stronger. So that's just been, overall for my everyday life, it's been really, really good."

HICKSVILLE, N.Y. , Dec. 13, 2024 /PRNewswire/ -- Flagstar Financial, Inc. (NYSE: FLG ) ( the "Company"), today announced the appointment of Lee Smith as Senior Executive Vice President and Chief Financial Officer (CFO), effective December 27, 2024 . The appointment follows the decision of current CFO Craig Gifford to step down to reengage in personal endeavors outside of the banking industry. Gifford will remain with the Bank through March 31, 2025 , and work closely with Smith during the transition period, ensuring a seamless hand-over and continued support for the Bank's ongoing initiatives. "For more than a decade, Lee has been an instrumental member of Flagstar's executive team. He is a proven leader with a strong track record, has the requisite experience and expertise, and possesses deep knowledge of the Company. The Board of Directors and I have full faith and confidence in Lee to continue to help guide the Company in this financial leadership position," said Joseph M. Otting , Chairman, President, and CEO. Smith joined legacy Flagstar Bancorp, Inc. in 2013 as Chief Operating Officer and his transition to CFO comes after serving on Flagstar's executive management team for more than a decade, most recently as President of Mortgage. He has an extensive background in accounting, finance, mortgage, private equity, and operations, spanning more than 25 years. His experience in managing large-scale transactions, optimizing financials and operations, and working with regulators demonstrates a strong ability to drive financial performance, ensure compliance, and lead financial operations. Additionally, his leadership in M&A deals, capital markets, and financial management positions him well to oversee financial strategies, risk mitigation, and operational efficiency at a senior financial level. His prior roles include Partner at Matlin Patterson Global Advisers LLC, a private investment firm. He is also a member of the Institute of Chartered Accountants in England and Wales (ICAEW) since 1998 and has a BSc in Economics and Accountancy from Loughborough University in England . Otting added, "I want to express our sincere appreciation to Craig for his impactful contributions over the past year. His leadership during this time has been invaluable, and we wish him all the best. As all of our stakeholders know, we have been working relentlessly to elevate Flagstar to new heights. I also recognize the personal sacrifices and time commitment required away from our personal lives for this journey. Given the substantial progress we've made as a Company, I am comfortable that this is a good time for this transition, and I am confident the momentum we've gained will only strengthen as we move forward." About Flagstar Financial, Inc. Flagstar Financial, Inc. is the parent company of Flagstar Bank, N.A., one of the largest regional banks in the country. The Company is headquartered in Hicksville, New York . At September 30, 2024, the Company had $114.4 billion of assets, $73.0 billion of loans, deposits of $83 .0 billion, and total stockholders' equity of $8 .6 billion. Flagstar Bank, N.A. operates over 400 branches, including a significant presence in the Northeast and Midwest and locations in high growth markets in the Southeast and West Coast. In addition, the Bank has approximately 80 private banking teams located in over 10 cities in the metropolitan New York City region and on the West Coast, which serve the needs of high-net worth individuals and their businesses. Cautionary Statements Regarding Forward-Looking Statements This release may include forward‐looking statements by the Company and our authorized officers pertaining to such matters as our goals, beliefs, intentions, and expectations regarding (a) revenues, earnings, loan production, asset quality, liquidity position, capital levels, risk analysis, divestitures, acquisitions, and other material transactions, among other matters; (b) the future costs and benefits of the actions we may take; (c) our assessments of credit risk and probable losses on loans and associated allowances and reserves; (d) our assessments of interest rate and other market risks; (e) our ability to execute on our strategic plan, including the sufficiency of our internal resources, procedures and systems; (f) our ability to attract, incentivize, and retain key personnel and the roles of key personnel; (g) our ability to achieve our financial and other strategic goals, including those related to our merger with Flagstar Bancorp, Inc., which was completed on December 1, 2022, our acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction, and our ability to fully and timely implement the risk management programs institutions greater than $100 billion in assets must maintain; (h) the effect on our capital ratios of the approval of certain proposals approved by our shareholders during our 2024 annual meeting of shareholders; (i) the conversion or exchange of shares of the Company's preferred stock; (j) the payment of dividends on shares of the Company's capital stock, including adjustments to the amount of dividends payable on shares of the Company's preferred stock; (k) the availability of equity and dilution of existing equity holders associated with amendments to the 2020 Omnibus Incentive Plan; (l) the effects of the reverse stock split; and (m) transactions relating to the sale of our mortgage business and mortgage warehouse business. Forward‐looking statements are typically identified by such words as "believe," "expect," "anticipate," "intend," "outlook," "estimate," "forecast," "project," "should," "confident," and other similar words and expressions, and are subject to numerous assumptions, risks, and uncertainties, which change over time. Additionally, forward‐looking statements speak only as of the date they are made; the Company does not assume any duty, and does not undertake, to update our forward‐looking statements. Furthermore, because forward‐looking statements are subject to assumptions and uncertainties, actual results or future events could differ, possibly materially, from those anticipated in our statements, and our future performance could differ materially from our historical results. Our forward‐looking statements are subject to, among others, the following principal risks and uncertainties: general economic conditions and trends, either nationally or locally; conditions in the securities, credit and financial markets; changes in interest rates; changes in deposit flows, and in the demand for deposit, loan, and investment products and other financial services; changes in real estate values; changes in the quality or composition of our loan or investment portfolios, including associated allowances and reserves; changes in future allowance for credit losses, including changes required under relevant accounting and regulatory requirements; the ability to pay future dividends; changes in our capital management and balance sheet strategies and our ability to successfully implement such strategies; recent turnover in our Board of Directors and our executive management team; changes in our strategic plan, including changes in our internal resources, procedures and systems, and our ability to successfully implement such plan; changes in competitive pressures among financial institutions or from non‐financial institutions; changes in legislation, regulations, and policies; the imposition of restrictions on our operations by bank regulators; the outcome of pending or threatened litigation, or of investigations or any other matters before regulatory agencies, whether currently existing or commencing in the future; the success of our blockchain and fintech activities, investments and strategic partnerships; the restructuring of our mortgage business; our ability to recognize anticipated expense reductions and enhanced efficiencies with respect to our recently announced strategic workforce reduction; the impact of failures or disruptions in or breaches of the Company's operational or security systems, data or infrastructure, or those of third parties, including as a result of cyberattacks or campaigns; the impact of natural disasters, extreme weather events, military conflict (including the Russia / Ukraine conflict, the conflict in Israel and surrounding areas, the possible expansion of such conflicts and potential geopolitical consequences), terrorism or other geopolitical events; and a variety of other matters which, by their nature, are subject to significant uncertainties and/or are beyond our control. Our forward-looking statements are also subject to the following principal risks and uncertainties with respect to our merger with Flagstar Bancorp, which was completed on December 1, 2022 , and our acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction: the possibility that the anticipated benefits of the transactions will not be realized when expected or at all; the possibility of increased legal and compliance costs, including with respect to any litigation or regulatory actions related to the business practices of acquired companies or the combined business; diversion of management's attention from ongoing business operations and opportunities; the possibility that the Company may be unable to achieve expected synergies and operating efficiencies in or as a result of the transactions within the expected timeframes or at all; and revenues following the transactions may be lower than expected. Additionally, there can be no assurance that the Community Benefits Agreement entered into with NCRC, which was contingent upon the closing of the Company's merger with Flagstar Bancorp, Inc., will achieve the results or outcome originally expected or anticipated by us as a result of changes to our business strategy, performance of the U.S. economy, or changes to the laws and regulations affecting us, our customers, communities we serve, and the U.S. economy (including, but not limited to, tax laws and regulations). More information regarding some of these factors is provided in the Risk Factors section of our Annual Report on Form 10 ‐ K/A for the year ended December 31, 2023, Quarterly Report on Forms 10-Q for the quarters ended March 31, 2024 , June 30, 2024 , and September 30, 2024 , and in other SEC reports we file. Our forward ‐ looking statements may also be subject to other risks and uncertainties, including those we may discuss in this news release, on our conference call, during investor presentations, or in our SEC filings, which are accessible on our website and at the SEC's website, www.sec.gov . Investor Contact: Salvatore J. DiMartino (516) 683-4286 Media Contact: Steven Bodakowski (248) 312-5872 SOURCE Flagstar Financial, Inc.FLAGSTAR FINANCIAL, INC. APPOINTS BRIAN CALLANAN TO BOARD OF DIRECTORS

No. 24 UCLA, Arizona have first reunion since Pac-12 daysThe avoided arbitration with two pitchers Friday, agreeing to contracts for next season with right-handers and both of whom will be returning to the mound after missing all of this past season because of injuries. According to people with knowledge of the situation not authorized to speak publicly, May settled with the Dodgers at $2.135 million and Gonsolin at $5.4 million. The Dodgers on Friday also non-tendered relief pitchers Brent Honeywell Jr. and Zach Logue, making them free agents and clearing two spots on the club's 40-man roster. The moves came ahead of Friday's deadline for teams to tender contracts to pre-arbitration and arbitration-eligible players. May, 27, has a 3.10 earned-run average in 46 appearances but has yet to fulfill his promise as a top prospect because of struggles with injuries. Since the start of 2021, May has made just 20 starts. In May 2021 he underwent Tommy John surgery. After returning near the end of 2022, his 2023 season was cut short by another elbow surgery, this time to repair his flexor tendon. Then, after hoping to return this past season, May required esophageal surgery in July, sidelining him for the remainder of the year. Despite that, the Dodgers still envision May as a potential impact player in his final season under team control before free agency, hopeful that he still will possess much of his old, wicked stuff. Gonsolin, 30, is in a similar situation. After his breakout All-Star campaign in 2022 was derailed by a late-season arm injury, Gonsolin struggled in 2023 before undergoing Tommy John surgery that August. He came close to returning at the end of this past season, including completing a minor-league rehab assignment. But the Dodgers didn't put him on their postseason roster, deciding against rushing him back. Both Gonsolin, who won’t be a free agent until after the 2026 season, and May are expected to be ready for opening day. The Dodgers have six other players still eligible for arbitration: Evan Phillips (who is estimated to receive $6.2 million, ), Michael Kopech ($5.2 million), Brusdar Graterol ($2.7 million), Gavin Lux ($2.7 million), Alex Vesia ($1.9 million) and Anthony Banda ($1.1 million). Another arbitration-eligible player, reliever Connor Brogdon, was outrighted to triple-A Oklahoma City last week. Honeywell was non-tendered Friday after serving in a notable — and, to both the team and its fans, much-appreciated — innings-eating role in the postseason; including a 42⁄3 innings outing in Game 5 of the National League Championship Series that saved the rest of the bullpen ahead of the Dodgers' pennant-clinching win in Game 6. He also had a 2.63 ERA in 20 outings in the regular season. Logue was a late-season pick-up who made just two outings with the Dodgers. The team's 40-man roster now has four open spots as they proceed into the rest of the offseason. This story originally appeared in .

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ICE plans to bulk up detection facilities in N.J., ACLU learns. Congresswoman is ‘furious.’As 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.Where Are John Deere Tractors And Mowers Made?

U.S. women's national team goalkeeper Alyssa Naeher, known for her unflappable demeanor in the face of pressure, is retiring from international soccer. Naeher was on the team's roster for a pair of upcoming matches in Europe but those games will be her last after a full 11 years playing for the United States. Naeher was the starting goalkeeper for the U.S. team that won the Women's World Cup in 2019 and the gold medal at this year's Olympics in France. She's the only U.S. goalkeeper to earn a shutout in both a World Cup and an Olympic final. She made a key one-handed save in stoppage time to preserve the Americans' 1-0 victory over Brazil in the Olympic final. Mallory Swanson, who scored the only goal, ran down the length of the field to embrace Naeher at the final whistle. Naeher announced her retirement on social media Monday . “Every tear shed in the challenging times and disappointments made every smile and celebration in the moments of success that much more joyful. This has been a special team to be a part of and I am beyond proud of what we have achieved both on and off the field," she wrote. “The memories I have made over the years will last me a lifetime.” Naeher has been known throughout her career for her calm and steady leadership. She is one of just three goalkeepers to make more than 100 appearances for the United States. Naeher made her debut with the national team in 2014 and was a backup to Hope Solo at the 2015 World Cup, which the United States won. She became the team’s regular starter following the 2016 Rio de Janeiro Olympics and was on the squad that repeated as World Cup winners in 2019. For her career, Naeher has appeared 113 games with 110 starts, 88 wins and 68 shutouts. She had four shutouts over the course of the Olympic tournament in France. Story continues below video In all, she was on the U.S. roster for three World Cups and three Olympic teams. The 36-year-old has also played for the Chicago Red Stars in the National Women’s Soccer League since 2016. She plans to play for Chicago next season. The United States is headed to Europe for a match against England at Wembley Stadium on Saturday and on Dec. 3 against Netherlands in The Hague. In addition to her save at the Olympics, Naeher has had many other memorable moments. In the 2019 Women's World Cup semifinals against England, she stopped Steph Houghton’s penalty kick in the 83rd minute. The Americans won 2-1 before downing the Netherlands 2-0 in the final. Earlier this year in the semifinals of the CONCACAF Women’s Gold Cup, Naeher made three saves during a penalty shootout with Canada and also converted a penalty kick herself — tucking the ball neatly into the corner of the net. Afterward she said: “Winning is the best feeling.” AP soccer: https://apnews.com/hub/soccer

Fans of Beyoncé were shocked to note a surprising tweak in the superstar's last name. Amid controversial accusations involving her husband Jay-Z and Sean "Diddy" Combs — with both having denied allegations of sexually assaulting a 13-year-old girl at a MTV Video Music Awards afterparty in 2000 — Forbes listed Beyoncé as "Beyoncé Knowles" versus her full married name "Beyoncé Knowles-Carter." This incited speculation among fans about a discreet change to her public persona. Disney was 'hesitant' in allowing Jay-Z at Lion King red carpet amid allegations Beyonce and Jay-Z's $200 million mansion in danger as Franklin Fire covers Malibu Social media users swiftly reacted by circulating Forbes' depiction of the star, pondering whether it signified a strategic shift: "My good sis where's your hyphen," one fan probed, while another claimed: "Look how she don't want Carter associated with her now." Questions like "When did Beyonce change her last name?" surfaced alongside declarations such as: "The soft launch name change." A die-hard Beyoncé fan questioned the recent media narrative, commenting: "Forbes has ALWAYS gone by just Beyoncé-Knowles. This is NOT new. Why are you trying to come up with a false narrative?" Certain fans interpreted the move as possibly preluding upcoming endeavors: "The soft launch name change is a clever way to tease something new!" However, some pointed out that Forbes has consistently used either "Beyoncé" or "Beyoncé Knowles," excluding “Beyoncé Knowles-Carter” from their references, reports the Mirror. Despite this claim, Forbes did call the superstar "Beyoncé Knowles-Carter," back in September when she debuted her Whisky brand, SirDavis. Renowned for embracing her marital surname, Beyoncé often goes by "Mrs. Carter" and even released an album entitled Cowboy Carter. Meanwhile, amid rape accusations leveled against him, Jay-Z condemned the allegations through a forceful social media statement. He blasted the claims as "heinous in nature" and sharply criticized attorney Tony Buzbee, who alleges that Sean "Diddy" Combs has over 120 victims — a contention Diddy denies. The rapper stressed: "These allegations are so heinous in nature that I implore you to file a criminal complaint, not a civil one! ! Whomever would commit such a crime against a minor should be locked away, would you not agree? These alleged victims would deserve real justice if that were the case." Jay-Z's scathing remarks didn't end there. He also accused Buzbee of being a notorious showman, familiar with such sensationalism. "This lawyer, who I have done a bit of research on, seems to have a pattern of these type of theatrics! I have no idea how you have come to be such a deplorable human Mr. Buzbee, but I promise you I have seen your kind many times over," he asserted. "I'm more than prepared to deal with your type. You claim to be a marine?!" he continued: "Marines are known for their valor, you have neither honor nor dignity." DON'T MISS: Diddy's 5 chilling words to girl, 13, before she was allegedly 'raped by Jay Z' [INSIGHT] Jay-Z's statement as he says he's 'heartbroken' to share accusation with kids [COMMENT] Mila Kunis and Ashton Kutcher 'moving to Europe' as Diddy strain mounts [LATEST] Jay-Z also shared his distress over the potential impact this lawsuit could have on his family: "My only heartbreak is for my family," he stated. "My wife and I will have to sit our children down, one of whom is at the age where her friends will surely see the press and ask questions about the nature of these claims, and explain the cruelty and greed of people," he expressed: "I mourn yet another loss of innocence. Children should not have to endure such at their young age." He added: "It is unfair to have to try to understand inexplicable degrees of malice meant to destroy families and human spirit. My heart and support goes out to true victims in the world, who have to watch how their life story is dressed in costume for profitability by this ambulance chaser in a cheap suit." Tony Buzbee has refuted Jay-Z's allegations of extortion and blackmail.HICKSVILLE, N.Y. , Dec. 13, 2024 /PRNewswire/ -- Flagstar Financial, Inc. (NYSE: FLG) (the "Company") today announced the appointment of Brian Callanan , Senior Managing Director and General Counsel at Liberty Strategic Capital ("Liberty"), to its Board of Directors, effective December 16, 2024 . Commenting on the appointment, Joseph M. Otting , Chairman, President, and CEO said, "I'm pleased to have Brian join our Board. His proven track record and expertise in financial services, along with his strategic insights will be instrumental as we continue to execute on our transformation and long-term vision. Brian's perspectives will provide valuable guidance, and his leadership will play a critical role in driving sustainable growth, ensuring we achieve long-term success and maximize the value we deliver to our shareholders, employees, and clients." Callanan is a distinguished lawyer with extensive experience in financial regulation, regulatory compliance, and financial technology. At Liberty, Callanan leads the firm's legal function, serves on its Investment Committee, and focuses on financial sector investments. Prior to joining Liberty, he served as General Counsel of the U.S. Department of the Treasury, overseeing 2,000 lawyers across the department. As Chief General Counsel, he played a key role in major initiatives such as economic rescue programs during COVID-19, the design of new economic sanctions, and the implementation of tax reform. While serving as Deputy General Counsel, Callanan managed major litigation and advised on regulatory reform efforts, among other responsibilities. For his service, he received the Alexander Hamilton Award, the department's highest honor. This appointment aligns with the $1.05 billion equity investment in March 2024 , which stipulated that two Board seats would be granted to lead investor Liberty Strategic Capital. With Callanan's addition, the Company's Board of Directors, which was reconstituted earlier in 2024, expands to nine members, including Chairman, President, and Chief Executive Officer, Joseph M. Otting , Milton Berlinski , Alessandro P. DiNello , Alan Frank , Marshall Lux , Lead Independent Director Secretary Steven T. Mnuchin , Allen Puwalski , and Jennifer Whip. About Flagstar Financial, Inc. Flagstar Financial, Inc. is the parent company of Flagstar Bank, N.A., one of the largest regional banks in the country. The Company is headquartered in Hicksville, New York . At September 30, 2024, the Company had $114.4 billion of assets, $73.0 billion of loans, deposits of $83 .0 billion, and total stockholders' equity of $8 .6 billion. Flagstar Bank, N.A. operates over 400 branches, including a significant presence in the Northeast and Midwest and locations in high growth markets in the Southeast and West Coast. In addition, the Bank has approximately 80 private banking teams located in over 10 cities in the metropolitan New York City region and on the West Coast, which serve the needs of high-net worth individuals and their businesses. Cautionary Statements Regarding Forward-Looking Statements This release may include forward‐looking statements by the Company and our authorized officers pertaining to such matters as our goals, beliefs, intentions, and expectations regarding (a) revenues, earnings, loan production, asset quality, liquidity position, capital levels, risk analysis, divestitures, acquisitions, and other material transactions, among other matters; (b) the future costs and benefits of the actions we may take; (c) our assessments of credit risk and probable losses on loans and associated allowances and reserves; (d) our assessments of interest rate and other market risks; (e) our ability to execute on our strategic plan, including the sufficiency of our internal resources, procedures and systems; (f) our ability to attract, incentivize, and retain key personnel and the roles of key personnel; (g) our ability to achieve our financial and other strategic goals, including those related to our merger with Flagstar Bancorp, Inc., which was completed on December 1, 2022, our acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction, and our ability to fully and timely implement the risk management programs institutions greater than $100 billion in assets must maintain; (h) the effect on our capital ratios of the approval of certain proposals approved by our shareholders during our 2024 annual meeting of shareholders; (i) the conversion or exchange of shares of the Company's preferred stock; (j) the payment of dividends on shares of the Company's capital stock, including adjustments to the amount of dividends payable on shares of the Company's preferred stock; (k) the availability of equity and dilution of existing equity holders associated with amendments to the 2020 Omnibus Incentive Plan; (l) the effects of the reverse stock split; and (m) transactions relating to the sale of our mortgage business and mortgage warehouse business. Forward‐looking statements are typically identified by such words as "believe," "expect," "anticipate," "intend," "outlook," "estimate," "forecast," "project," "should," "confident," and other similar words and expressions, and are subject to numerous assumptions, risks, and uncertainties, which change over time. Additionally, forward‐looking statements speak only as of the date they are made; the Company does not assume any duty, and does not undertake, to update our forward‐looking statements. Furthermore, because forward‐looking statements are subject to assumptions and uncertainties, actual results or future events could differ, possibly materially, from those anticipated in our statements, and our future performance could differ materially from our historical results. Our forward‐looking statements are subject to, among others, the following principal risks and uncertainties: general economic conditions and trends, either nationally or locally; conditions in the securities, credit and financial markets; changes in interest rates; changes in deposit flows, and in the demand for deposit, loan, and investment products and other financial services; changes in real estate values; changes in the quality or composition of our loan or investment portfolios, including associated allowances and reserves; changes in future allowance for credit losses, including changes required under relevant accounting and regulatory requirements; the ability to pay future dividends; changes in our capital management and balance sheet strategies and our ability to successfully implement such strategies; recent turnover in our Board of Directors and our executive management team; changes in our strategic plan, including changes in our internal resources, procedures and systems, and our ability to successfully implement such plan; changes in competitive pressures among financial institutions or from non‐financial institutions; changes in legislation, regulations, and policies; the imposition of restrictions on our operations by bank regulators; the outcome of pending or threatened litigation, or of investigations or any other matters before regulatory agencies, whether currently existing or commencing in the future; the success of our blockchain and fintech activities, investments and strategic partnerships; the restructuring of our mortgage business; our ability to recognize anticipated expense reductions and enhanced efficiencies with respect to our recently announced strategic workforce reduction; the impact of failures or disruptions in or breaches of the Company's operational or security systems, data or infrastructure, or those of third parties, including as a result of cyberattacks or campaigns; the impact of natural disasters, extreme weather events, military conflict (including the Russia / Ukraine conflict, the conflict in Israel and surrounding areas, the possible expansion of such conflicts and potential geopolitical consequences), terrorism or other geopolitical events; and a variety of other matters which, by their nature, are subject to significant uncertainties and/or are beyond our control. Our forward-looking statements are also subject to the following principal risks and uncertainties with respect to our merger with Flagstar Bancorp, which was completed on December 1, 2022 , and our acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction: the possibility that the anticipated benefits of the transactions will not be realized when expected or at all; the possibility of increased legal and compliance costs, including with respect to any litigation or regulatory actions related to the business practices of acquired companies or the combined business; diversion of management's attention from ongoing business operations and opportunities; the possibility that the Company may be unable to achieve expected synergies and operating efficiencies in or as a result of the transactions within the expected timeframes or at all; and revenues following the transactions may be lower than expected. Additionally, there can be no assurance that the Community Benefits Agreement entered into with NCRC, which was contingent upon the closing of the Company's merger with Flagstar Bancorp, Inc., will achieve the results or outcome originally expected or anticipated by us as a result of changes to our business strategy, performance of the U.S. economy, or changes to the laws and regulations affecting us, our customers, communities we serve, and the U.S. economy (including, but not limited to, tax laws and regulations). More information regarding some of these factors is provided in the Risk Factors section of our Annual Report on Form 10‐K/A for the year ended December 31, 2023, Quarterly Report on Forms 10-Q for the quarters ended March 31, 2024 , June 30, 2024 , and September 30, 2024 , and in other SEC reports we file. Our forward‐looking statements may also be subject to other risks and uncertainties, including those we may discuss in this news release, on our conference call, during investor presentations, or in our SEC filings, which are accessible on our website and at the SEC's website, www.sec.gov . Investor Contact: Salvatore J. DiMartino (516) 683-4286 Media Contact: Nicole Yelland (248) 219-9234 View original content to download multimedia: https://www.prnewswire.com/news-releases/flagstar-financial-inc-appoints-brian-callanan-to-board-of-directors-302331692.html SOURCE Flagstar Financial, Inc.By Keith Laing | Bloomberg California Governor Gavin Newsom is promising to step in with a state electric-car tax credit if US President-elect Donald Trump repeals a federal subsidy after he takes office next year. Newsom, a prominent Democrat and frequent critic of Republican politics, said in a statement Monday that he will propose rebooting a program California phased out in 2023 to provide EV buyers relief in lieu of a $7,500 tax credit targeted by Trump. Trump has long criticized President Joe Biden administration’s efforts to subsidize electric vehicles in a bid to boost adoption of cleaner cars. His transition team is now looking to slash fuel-efficiency requirements for new cars and light trucks as part of plans to unwind Biden policies the president-elect has blasted as an “EV mandate,” Bloomberg News reported last week. California clashed with Trump frequently on auto emission regulations during the incoming president’s first term, and the state’s leaders have made clear they are now girding for another fight. Newsom already has sought to shield the state’s policies on issues including reproductive rights, climate and immigration from potential threats under a Trump administration. California, as well as states including Oregon and Colorado, currently are exempt from rules that preempt them from enacting their own emissions standards for new vehicles. More than a dozen states representing more than a third of the US auto market now have formally opted to follow California’s rules. Trump in his first term targeted California’s right to set tougher gas mileage rules than the federal government. He is expected to make another attempt to roll back the California carve out under the 1970 Clean Air Act after taking office in January. Tesla settling technology theft suit against Rivian Tesla said last week it’s reached a “conditional” settlement in its 2020 lawsuit accusing Irvine-based Rivian Automotive of poaching employees to steal electric-vehicle trade secrets. Tesla didn’t disclose specifics about the agreement in a court filing, but told a California state judge that it expects to seek dismissal of the case by Dec. 24 upon satisfactory completion of the terms. Rivian declined to comment. A lawyer for Tesla didn’t immediately respond to a request for comment. The dispute kicked off more than four years ago when Elon Musk’s electric-vehicle maker accused Rivian of an “alarming pattern” of poaching its employees and stealing trade secrets. Some workers were “caught red-handed” misappropriating core technology for its next-generation batteries, Tesla later said. Rivian has denied wrongdoing and criticized the lawsuit as an effort to suppress competition in the EV market. Rivian and a group of its employees who defected from Tesla lost bids to get the lawsuit thrown out and a trial was set for March. —Malathi Nayak at Bloomberg contributed to this report.

For ‘A Complete Unknown,’ Arianne Phillips Had to Dress Over 4,000 People in Period CostumesHICKSVILLE, N.Y. , Dec. 13, 2024 /PRNewswire/ -- Flagstar Financial, Inc. (NYSE: FLG) (the "Company") today announced the appointment of Brian Callanan , Senior Managing Director and General Counsel at Liberty Strategic Capital ("Liberty"), to its Board of Directors, effective December 16, 2024 . Commenting on the appointment, Joseph M. Otting , Chairman, President, and CEO said, "I'm pleased to have Brian join our Board. His proven track record and expertise in financial services, along with his strategic insights will be instrumental as we continue to execute on our transformation and long-term vision. Brian's perspectives will provide valuable guidance, and his leadership will play a critical role in driving sustainable growth, ensuring we achieve long-term success and maximize the value we deliver to our shareholders, employees, and clients." Callanan is a distinguished lawyer with extensive experience in financial regulation, regulatory compliance, and financial technology. At Liberty, Callanan leads the firm's legal function, serves on its Investment Committee, and focuses on financial sector investments. Prior to joining Liberty, he served as General Counsel of the U.S. Department of the Treasury, overseeing 2,000 lawyers across the department. As Chief General Counsel, he played a key role in major initiatives such as economic rescue programs during COVID-19, the design of new economic sanctions, and the implementation of tax reform. While serving as Deputy General Counsel, Callanan managed major litigation and advised on regulatory reform efforts, among other responsibilities. For his service, he received the Alexander Hamilton Award, the department's highest honor. This appointment aligns with the $1.05 billion equity investment in March 2024 , which stipulated that two Board seats would be granted to lead investor Liberty Strategic Capital. With Callanan's addition, the Company's Board of Directors, which was reconstituted earlier in 2024, expands to nine members, including Chairman, President, and Chief Executive Officer, Joseph M. Otting , Milton Berlinski , Alessandro P. DiNello , Alan Frank , Marshall Lux , Lead Independent Director Secretary Steven T. Mnuchin , Allen Puwalski , and Jennifer Whip. About Flagstar Financial, Inc. Flagstar Financial, Inc. is the parent company of Flagstar Bank, N.A., one of the largest regional banks in the country. The Company is headquartered in Hicksville, New York . At September 30, 2024, the Company had $114.4 billion of assets, $73.0 billion of loans, deposits of $83 .0 billion, and total stockholders' equity of $8 .6 billion. Flagstar Bank, N.A. operates over 400 branches, including a significant presence in the Northeast and Midwest and locations in high growth markets in the Southeast and West Coast. In addition, the Bank has approximately 80 private banking teams located in over 10 cities in the metropolitan New York City region and on the West Coast, which serve the needs of high-net worth individuals and their businesses. Cautionary Statements Regarding Forward-Looking Statements This release may include forward‐looking statements by the Company and our authorized officers pertaining to such matters as our goals, beliefs, intentions, and expectations regarding (a) revenues, earnings, loan production, asset quality, liquidity position, capital levels, risk analysis, divestitures, acquisitions, and other material transactions, among other matters; (b) the future costs and benefits of the actions we may take; (c) our assessments of credit risk and probable losses on loans and associated allowances and reserves; (d) our assessments of interest rate and other market risks; (e) our ability to execute on our strategic plan, including the sufficiency of our internal resources, procedures and systems; (f) our ability to attract, incentivize, and retain key personnel and the roles of key personnel; (g) our ability to achieve our financial and other strategic goals, including those related to our merger with Flagstar Bancorp, Inc., which was completed on December 1, 2022, our acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction, and our ability to fully and timely implement the risk management programs institutions greater than $100 billion in assets must maintain; (h) the effect on our capital ratios of the approval of certain proposals approved by our shareholders during our 2024 annual meeting of shareholders; (i) the conversion or exchange of shares of the Company's preferred stock; (j) the payment of dividends on shares of the Company's capital stock, including adjustments to the amount of dividends payable on shares of the Company's preferred stock; (k) the availability of equity and dilution of existing equity holders associated with amendments to the 2020 Omnibus Incentive Plan; (l) the effects of the reverse stock split; and (m) transactions relating to the sale of our mortgage business and mortgage warehouse business. Forward‐looking statements are typically identified by such words as "believe," "expect," "anticipate," "intend," "outlook," "estimate," "forecast," "project," "should," "confident," and other similar words and expressions, and are subject to numerous assumptions, risks, and uncertainties, which change over time. Additionally, forward‐looking statements speak only as of the date they are made; the Company does not assume any duty, and does not undertake, to update our forward‐looking statements. Furthermore, because forward‐looking statements are subject to assumptions and uncertainties, actual results or future events could differ, possibly materially, from those anticipated in our statements, and our future performance could differ materially from our historical results. Our forward‐looking statements are subject to, among others, the following principal risks and uncertainties: general economic conditions and trends, either nationally or locally; conditions in the securities, credit and financial markets; changes in interest rates; changes in deposit flows, and in the demand for deposit, loan, and investment products and other financial services; changes in real estate values; changes in the quality or composition of our loan or investment portfolios, including associated allowances and reserves; changes in future allowance for credit losses, including changes required under relevant accounting and regulatory requirements; the ability to pay future dividends; changes in our capital management and balance sheet strategies and our ability to successfully implement such strategies; recent turnover in our Board of Directors and our executive management team; changes in our strategic plan, including changes in our internal resources, procedures and systems, and our ability to successfully implement such plan; changes in competitive pressures among financial institutions or from non‐financial institutions; changes in legislation, regulations, and policies; the imposition of restrictions on our operations by bank regulators; the outcome of pending or threatened litigation, or of investigations or any other matters before regulatory agencies, whether currently existing or commencing in the future; the success of our blockchain and fintech activities, investments and strategic partnerships; the restructuring of our mortgage business; our ability to recognize anticipated expense reductions and enhanced efficiencies with respect to our recently announced strategic workforce reduction; the impact of failures or disruptions in or breaches of the Company's operational or security systems, data or infrastructure, or those of third parties, including as a result of cyberattacks or campaigns; the impact of natural disasters, extreme weather events, military conflict (including the Russia / Ukraine conflict, the conflict in Israel and surrounding areas, the possible expansion of such conflicts and potential geopolitical consequences), terrorism or other geopolitical events; and a variety of other matters which, by their nature, are subject to significant uncertainties and/or are beyond our control. Our forward-looking statements are also subject to the following principal risks and uncertainties with respect to our merger with Flagstar Bancorp, which was completed on December 1, 2022 , and our acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction: the possibility that the anticipated benefits of the transactions will not be realized when expected or at all; the possibility of increased legal and compliance costs, including with respect to any litigation or regulatory actions related to the business practices of acquired companies or the combined business; diversion of management's attention from ongoing business operations and opportunities; the possibility that the Company may be unable to achieve expected synergies and operating efficiencies in or as a result of the transactions within the expected timeframes or at all; and revenues following the transactions may be lower than expected. Additionally, there can be no assurance that the Community Benefits Agreement entered into with NCRC, which was contingent upon the closing of the Company's merger with Flagstar Bancorp, Inc., will achieve the results or outcome originally expected or anticipated by us as a result of changes to our business strategy, performance of the U.S. economy, or changes to the laws and regulations affecting us, our customers, communities we serve, and the U.S. economy (including, but not limited to, tax laws and regulations). More information regarding some of these factors is provided in the Risk Factors section of our Annual Report on Form 10‐K/A for the year ended December 31, 2023, Quarterly Report on Forms 10-Q for the quarters ended March 31, 2024 , June 30, 2024 , and September 30, 2024 , and in other SEC reports we file. Our forward‐looking statements may also be subject to other risks and uncertainties, including those we may discuss in this news release, on our conference call, during investor presentations, or in our SEC filings, which are accessible on our website and at the SEC's website, www.sec.gov . Investor Contact: Salvatore J. DiMartino (516) 683-4286 Media Contact: Nicole Yelland (248) 219-9234 View original content to download multimedia: https://www.prnewswire.com/news-releases/flagstar-financial-inc-appoints-brian-callanan-to-board-of-directors-302331692.html SOURCE Flagstar Financial, Inc.akinbostanci/iStock via Getty Images Standardized performance (%) as of September 30, 2024 Quarter YTD 1 Year 3 Years 5 Years 10 Years Since inception Class A shares inception: 11/30/10 NAV -0.15 7.01 2.72 4.78 8.29 1.60 -0.39 Max. Load 5.5% -5.62 1.05 -3.00 2.81 7.06 1.03 -0.79 Class R6 shares inception: 09/24/12 NAV -0.14 7.33 2.94 5.04 8.57 1.92 -0.91 Class Y shares inception: 11/30/10 NAV -0.14 7.23 2.96 5.05 8.56 1.85 -0.12 Bloomberg Commodity Index 0.68 5.86 0.96 3.66 7.79 0.03 - Total return ranking vs. Morningstar Commodities Broad Basket category (Class A shares at NAV) - - 28% (40 of 109) 53% (47 of 100) 53% (52 of 96) 22% (18 of 63) - Click to enlarge Calendar year total returns (%) 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Class A shares at NAV -16.04 -16.80 11.59 4.49 -12.18 4.20 7.75 18.87 7.84 -3.44 Class R6 shares at NAV -15.77 -16.44 12.02 5.04 -11.87 4.45 8.00 19.10 8.13 -3.27 Class Y shares at NAV -15.88 -16.60 11.79 4.88 -12.02 4.48 7.89 19.23 8.01 -3.15 Bloomberg Commodity Index -17.01 -24.66 11.77 1.70 -11.25 7.69 -3.12 27.11 16.09 -7.91 Click to enlarge Expense ratios per the current prospectus: Class A**: Net: 1.40%, Total: 1.64%; Class R6**: Net: 1.14%, Total: 1.19%; Class Y**: Net: 1.15%, Total: 1.39%. Click to enlarge Performance quoted is past performance and cannot guarantee comparable future results; current performance may be lower or higher. Visit Country Splash for the most recent month-end performance. Performance figures reflect reinvested distributions and changes in net asset value (NAV). Investment return and principal value will vary so that you may have a gain or a loss when you sell shares. Returns less than one year are cumulative; all others are annualized. Index source: RIMES Technologies Corp. Had fees not been waived and/or expenses reimbursed in the past, returns would have been lower. Performance shown at NAV does not include the applicable front-end sales charge, which would have reduced the performance. Class Y and R6 shares have no sales charge; therefore performance is at NAV. Class Y shares are available only to certain investors. Class R6 shares are closed to most investors. Please see the prospectus for more details. Click to enlarge Manager perspective and outlook The Bloomberg Commodity Index delivered a gain for the third quarter. After a global growth scare in July and early August, commodities recovered in September as the US Federal Reserve (Fed) lowered interest rates and China implemented a series of large monetary and fiscal stimulus actions in an effort to revive its stagnant economy. Within the Bloomberg Commodity Index, three of the four primary sub-complexes provided gains. Precious metals led results as slower growth, falling interest rates, a weaker US dollar and ongoing geopolitical tensions led the price of gold to a series of all-time highs during the quarter. Agriculture also closed the quarter with gains due to a September rally triggered by the weaker dollar and negative weather effects on coffee and sugar production. Similarly, a September rally in industrial metals helped copper, aluminum, nickel and zinc recover from early quarter losses as China’s policy stimulus efforts turned the tide. Energy declined as the sub-complex was simultaneously hit by apparent concerns that slowing growth would reduce demand and fear that the Organization of the Petroleum Exporting Countries (OPEC) would reverse voluntary production cuts, leading to oversupply. Performance highlights The fund provided a gain but underperformed the Bloomberg Commodity Index due to tactical positioning. Strategic precious metals were the largest contributor to absolute return due to strong gains in both gold and silver. The Fed’s 0.50% cut in the federal funds rate, combined with a 4% decline in the US dollar and China’s policy stimulus, helped gold reach record highs. However, the fund underperformed the benchmark primarily due to a strategic underweight and a tactical underweight in gold, despite a strategic overweight in silver. Gold is the largest holding in the fund and the benchmark. The fund’s strategic underweight is mostly a function of the benchmark rebalancing annually while the fund rebalances monthly. As gold prices have risen without what we would consider a significant pullback or correction, the benchmark’s gold weight has continued to increase while we have systematically paired backed the fund’s gains, thus managing its gold weighting. Strategic agriculture was the next largest contributor to absolute return due to gains in coffee and sugar. Coffee was the top-performing commodity across the full universe as hot and dry weather affected coffee producing countries, first in Vietnam and recently in the world’s largest producer, Brazil. Sugar had a double-digit gain in September, which moved its year-to-date return back into positive territory. Brazil’s hot and dry weather disrupted sugar production as heat and low humidity sparked a major outbreak of cane field fires. The fund’s agricultural exposure outperformed the benchmark mostly due to a strategic overweight in sugar and a tactical overweight in coffee, along with a strategic underweight and tactical net short in wheat. Strategic industrial metals added to absolute return as gains in August and September overcame July’s losses. Copper and aluminum were notable contributors to fund results. Both metals benefited from China’s September announcement of 11 major monetary and fiscal policy actions to support its housing market and consumer spending. The fund’s industrial metals holdings outperformed the benchmark due to strategic overweights in copper and aluminum, while tactical underweights in both metals offset some of the positive effect. Strategic energy was the largest detractor from absolute return as all six underlying exposures had double-digit declines for the quarter. Signs of economic slowdown have weighed on oil prices, compounded by OPEC announcing it will begin to reverse output cuts in December. Refined products were the largest detractors as supply is rising amid weaker demand. The fund underperformed the benchmark’s energy exposure due to tactical overweights in oil and refined products, whose losses more than offset relative gains from strategic underweights in oil and natural gas. Gross performance attribution (%) Quarter Year to date Since inception (annual ized) Agriculture 0.96 -1.61 0.18 Energy -3.58 -1.64 -0.55 Industrial Metals 0.55 2.05 -0.38 Precious Metals 1.79 4.32 0.22 Tactical Positioning -0.90 0.80 0.24 Cash 1.37 4.13 1.24 Total 0.18 8.07 0.95 Returns are gross of fund expenses; net returns will be lower. Cash represents fund collateral used to support derivative positions. Click to enlarge Portfolio positioning The fund entered October with a total net exposure of 90%, down from 91%. Tactical underweights in agriculture and precious metals remained in place, but to a reduced degree. Energy transitioned from a net overweight to a net underweight. The net overweight in industrial metals increased. The tactical underweight in agriculture decreased as sugar and cotton moved from underweight to neutral and we reduced underweights in corn, soymeal and wheat. Tactical energy experienced the largest changes as oil, gasoil and heating oil all moved from overweight to underweight, while an overweight in gasoline was reduced and the tactical natural gas position remained underweight. Within tactical industrial metals, copper moved from neutral to overweight, aluminum transitioned from underweight to overweight and the tactical long position in zinc increased. Within tactical precious metals, gold was neutral, and we maintained the underweight in silver. We will rebalance the fund strategically and tactically again next month per our usual monthly cadence. Unlike more passive or index-based strategies, this once-a-month rebalancing increases our flexibility to position the fund according to prevailing market conditions and avoid concentrating risk in any one asset. Click to enlarge Sector weights vs the Bloomberg Commodity Index (%) Fund BCOM Agriculture 26.15 32.66 Energy 26.38 28.32 Industrial Metals 20.22 16.25 Precious Metals 18.74 22.77 Click to enlarge ** Net = Total annual operating expenses less any contractual fee waivers and/or expense reimbursements by the adviser in effect through at least Feb 28, 2025 and contractual management fee waivers in effect through at least Jun 30, 2025. Unless otherwise specified, all information is as of 09/30/24. Unless stated otherwise, Index refers to Bloomberg Commodity Index. Asset allocation/diversification does not guarantee a profit or eliminate the risk of loss. The Bloomberg Commodity Index is designed to be a liquid and diversified benchmark for the commodity futures market. It is a rolling index composed of futures contracts on 19 physical commodities traded on US exchanges. The index was known as the Dow Jones UBS Commodity Index Total ReturnSM prior to July 1, 2014. An investment cannot be made directly in an index. About risk Commodities may subject an investor to greater volatility than traditional securities such as stocks and bonds and can fluctuate significantly based on weather, political, tax, and other regulatory and market developments. Commodity-linked notes may involve substantial risks, including risk of loss of a significant portion of principal and risks resulting from lack of a secondary trading market, temporary price distortions, and counterparty risk. Changes in the value of two investments or asset classes may not track or offset each other in the manner anticipated by the portfolio managers, which may inhibit their risk allocation process from achieving its investment objective. Derivatives may be more volatile and less liquid than traditional investments and are subject to market, interest rate, credit, leverage, counterparty, and management risks. An investment in a derivative could lose more than the cash amount invested. An investment in exchange-traded funds (ETFs) may trade at a discount to net asset value, fail to develop an active trading market, halt trading on the listing exchange, fail to track the referenced index, or hold troubled securities. ETFs may involve duplication of management fees and certain other expenses. Certain of the ETFs the fund invests in are leveraged, which can magnify any losses on those investments. Exchange-traded notes (ETNs) are subject to credit risk of the issuer, and the value of the ETN may drop due to a downgrade in the issuer's credit rating, despite the underlying market benchmark or strategy remaining unchanged. Short sales may cause an investor to repurchase a security at a higher price, causing a loss. As there is no limit on how much the price of the security can increase, exposure to potential loss is unlimited. By investing in the subsidiary, the fund is indirectly exposed to risks associated with the subsidiary's investments, including derivatives and commodities. Because the subsidiary is not registered under the Investment Company Act of 1940, the fund will not have the protections offered to investors in US registered investment companies. The Fund is subject to certain other risks. Please see the current prospectus for more information regarding the risks associated with an investment in the Fund. The opinions expressed are those of the fund’s portfolio management, are based on current market conditions and are subject to change without notice. These opinions may differ from those of other Invesco investment professionals. Click to enlarge This does not constitute a recommendation of any investment strategy or product for a particular investor. Investors should consult a financial professional before making any investment decisions. Note: Not all products available at all firms. Financial professionals, please contact your home office. The fund holdings are organized according to the Global Industry Classification Standard, which was developed by and is the exclusive property and service mark of MSCI Inc. and Standard & Poor’s. Click to enlarge Morningstar Source: ©2024 Morningstar Inc. All rights reserved. The information contained herein is proprietary to Morningstar and/or its content providers. It may not be copied or distributed and is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. Open-end mutual funds and exchange-traded funds are considered a single population for comparison purposes. Had fees not been waived and/or expenses reimbursed currently or in the past, the ranking would have been lower. Rankings for other share classes may differ due to different performance characteristics. Before investing, consider the Fund's investment objectives, risks, charges and expenses. Visit Invesco for a prospectus/summary prospectus containing this information. Read it carefully before investing. Click to enlarge Click to enlarge Original Post Editor's Note: The summary bullets for this article were chosen by Seeking Alpha editors.

The Best Marvel Rivals Character Based On Your Overwatch MainTE Colston Loveland says goodbye to Michigan: ‘Thank you for embracing me’

Somewhere over the rainbow there exists a magnificent movie version of Gregory McGuire’s 1995 wonderfully revisionist, not to mention delightfully feminist, fantasy novel “Wicked.” Alas, Jon M. Chu’s big, bland, and bloated journey through the glittering land of Oz is not it, my pretties. The two-part, $320 million film adaptation thoroughly lacks the pluck and spirit of the blockbuster Broadway musical, which made its debut in San Francisco in 2003. As a longtime theater critic, I hate to pour a bucket of water on this almost-three-hour movie adaptation. But despite its undeniable star power. this empty-headed screen adaptation melts in the imagination. Pop singer Ariana Grande does indeed sparkle as Galinda, the soon-to-be Good Witch, and she’s certainly a superb hair flipper, but she lacks sassiness and there’s zilch chemistry between her and the green goddess Elphaba (Cynthia Erivo) as two college frenemies who grow into the mythical witches of lore. Erivo is suitably likable as the hated Elphaba but there’s no sign of a formidable power lurking within. A lot of the plucky numbers sputter. Grande’s cutie-pie wardrobe is a real stunner, a cheeky cross between Elle Woods style and Barbie couture that fills you with an inexplicable and deep yearning to wear more pink. For all the film’s weaknesses, Paul Tazewell’s gorgeous costumes are so sharply on point they draw blood. Let’s not even talk about Glinda’s obsession-worthy assortment of shoes. The feminism may fall flat here but the fashion truly soars to new heights. Many a stocking will surely be stuffed with “Wicked” bling this Christmas. For the record, the campy cameo spotlighting Kristin Chenoweth and Idina Menzel, the original marquee stars, only serves to remind us how much their deeply-felt camaraderie buoyed the musical back in the day. Those two Broadway divas had a visceral girl-power vibe that almost made you jealous of their BFF bond, onstage and off. Their buoyant chemistry is much missed here. It should be noted that this Fiyero, the delish Jonathan Bailey, of “Bridgerton” fame,” looks as dashing as ever astride a horse and that’s no small delight. Bailey also seems more adept with a song and dance number than some of the other stars here. He imbues “Dancing through Life” with an elan and effortlessness that makes some of the other musical interludes, such as pithy hit “Popular,” come off as a tad forced. The labyrinthian revolving library set (production designer Nathan Crowley outdoes himself), which takes a page from the Hogwarts aesthetic, is also a dazzler. Sadly, however, the stalwart Michelle Yeoh, who seems like such inspired casting as Madame Morrible, the haughty headmistress of Shiz University, gets thoroughly overshadowed here and the estimable Jeff Goldblum, who should be stealing the show, as the suitably smarmy snake oil peddler turned politician, his wonderful Ozness himself, doesn’t have that much to do in the lumbering part one. Chu seems to be going for a sense of existential ennui when a good old-fashioned shake-the-rafters mood would be more fitting. It’s also unfortunate that the sluggish pacing undercuts the cautionary tale here. Look past the flying monkeys and malapropisms and there is a chilling warning about the danger of charlatans who seize political power by stoking bigotry and eroding civil rights until all but the bravest are scared into silence. L. Frank Baum’s classic 1900 fable has sharper special and political resonance now than ever before. Pay no attention to the man behind the curtain, indeed. Perhaps the movie would cast a more bewitching spell if it weren’t dragged out into two parts. The first installment ends just as Elphaba is coming into her power, in a duly high-flying “Defying Gravity” interlude, and before any real romance can blossom. Stretching out the Broadway narrative to twice its length, while adding no discernible depth, casts the film’s flaws into high relief. The irresistible pacing and tempo that powered the stage musical have all but vanished. Die-hard “Wicked” fans may not mind but casual YA fantasy fans, like my 14-year-old, may well miss what all the fuss is about. To be sure, the real magic here comes from the marvelous special effects. Chu, deservedly beloved for “Crazy Rich Asians,” creates a glittering visual fantasia that delights the eye, from the splashy underwater wonders of the ballroom to the glittering turrets of Emerald City, but often leaves the heart and mind rather bored. Lest you think I’m far too jaded to judge this “Wicked” because I’m old enough to remember the 2003 world premiere, suffice to say my kiddo was also less than impressed by the cinematic spectacle and has informed me that she will not be accompanying me for Part 2. I’ll have to ease on down the road without her. Contact Karen D’Souza at karenpdsouza@yahoo.com.