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Jimmy Carter, nation’s 39th president who became influential human rights advocate, diesNonePay first, deliver later: Some women are being asked to prepay for their babyMan pleads guilty to kidnapping Lyft driver, forcing her to drive to South Florida
Artificial intelligence is revolutionizing the way , enabling them to that not long ago seemed like the realm of science fiction. Marketers use AI-powered algorithms to scour vast amounts of data that reveals individual preferences with unrivaled accuracy. This allows companies to precisely target content—ads, emails, —that feels tailor-made and helps cultivate companies' relationships with consumers. As a , I joined several colleagues in conducting new that shows AI marketing overwhelmingly . Our peer-reviewed study reviewed 290 articles that had been published over the past 10 years from 15 high-ranking marketing journals. We found that only 33 of them addressed the potential "dark side" of AI marketing. This matters because the imbalance creates a critical gap in understanding the full impact of AI. AI marketing can perpetuate harmful stereotypes, such as producing , for example. AI can also infringe on the . And it can spread misinformation through and "hallucinations," which occur when AI presents as if it were true, such as . It can also . The prevalence of AI-powered beauty filters on social media, for instance, can and . These concerns loom large, prompting anxiety about the potential misuse of this powerful technology. Many people experience these worries, . As AI apps gain acceptance, beauty standards are moving further from reality. Our research finds there is an urgent need to address AI's ethical considerations and potential negative consequences. Our intent is not to discredit AI. It's to make sure that AI marketing benefits everyone, not just a handful of powerful companies. I believe researchers should consider exploring the ethical problems with AI more thoroughly, and how to use it safely and responsibly. This is important because AI is suddenly being used everywhere—from to self-driving cars to . Understanding its potential negative effects empowers the public to be informed consumers and call for responsible AI use. This article is republished from under a Creative Commons license. Read the .
(The Center Square) – State and national officials lauded former President Jimmy Carter for his public service after learning of his death Sunday afternoon at the age of 100. President Joe Biden said an official state funeral would be held for Carter in Washington. "He was a man of great character and courage, hope and optimism," Biden said. "We will always cherish seeing him and Rosalynn together. The love shared between Jimmy and Rosalynn Carter is the definition of partnership and their humble leadership is the definition of patriotism." President-elect Donald Trump urged everyone to keep the Carter family in their thoughts and prayers. "The challenges Jimmy faced as President came at a pivotal time for our country and he did everything in his power to improve the lives of all Americans," Trump said in a statement released from his campaign. "For that, we all owe him a debt of gratitude." Former president Bill Clinton gave Carter and his wife Rosalynn the Medal of Freedom in 1999. "From his commitment to civil rights as a state senator and governor of Georgia; to his efforts as President to protect our natural resources in the Arctic National Wildlife Refuge, make energy conservation a national priority, return the Panama Canal to Panama, and secure peace between Egypt and Israel at Camp David; to his post-presidential efforts at the Carter Center supporting honest elections, advancing peace combating disease, and promoting democracy; to his and Rosalynn's devotion and hard work at Habitat for Humanity--he worked tirelessly for a fairer, better world," Clinton and his wife Hillary said in a statement. Former president George W. Bush hailed Carter as a man of deeply held convictions. "President Carter dignified the office," Bush said on social media. "And his efforts to leave behind a better world didn't end with the presidency. His work with Habitat for Humanity and the Carter Center set an example of service that will inspire Americans for generations." Carter served as Georgia's governor from 1971-1975 before becoming president. Under his leadership, the European and Japanese state trade offices were launched, as well as the Georgia Film Commission," Gov. Brian Kemp said. "He and former First Lady Rosalynn Carter's support of the civil rights movement in the place of its birth is also remembered with deep appreciation." Lt. Gov. Burt Jones said Carter exemplified what it meant to be a public servant. "I had the honor of meeting him and his wife, and I will never forget that day," Jones said. "They were kind, wonderful, accepting and exactly what they portrayed every day, two people devoted to lifting up those in their community who needed help the most. President Carter's legacy will live on in the numerous nonprofits, charities and organizations Rosalynn, his family and him started."
LEWISTON, N.Y. (AP) — Jaeden Marshall scored 21 points as Niagara beat Le Moyne 88-69 on Sunday. Read this article for free: Already have an account? To continue reading, please subscribe: * LEWISTON, N.Y. (AP) — Jaeden Marshall scored 21 points as Niagara beat Le Moyne 88-69 on Sunday. Read unlimited articles for free today: Already have an account? LEWISTON, N.Y. (AP) — Jaeden Marshall scored 21 points as Niagara beat Le Moyne 88-69 on Sunday. Marshall shot 5 for 8 (4 for 6 from 3-point range) and 7 of 8 from the free-throw line for the Purple Eagles (6-7). Justice Smith added 15 points while going 6 of 12 from the floor, including 1 for 3 from 3-point range, and 2 for 3 from the line and had five rebounds. Zion Russell shot 4 for 7, including 3 for 3 from beyond the arc to finish with 11 points. AJ Dancier finished with 17 points and four steals for the Dolphins (5-10). Le Moyne also got 11 points and 10 rebounds from Ocypher Owens. Dwayne Koroma had nine points and six rebounds. ___ The Associated Press created this story using technology provided by Data Skrive and data from Sportradar. AdvertisementThe Latest Analyst Ratings For Helen Of TroyNoneRenuka Rayasam | (TNS) KFF Health News In April, just 12 weeks into her pregnancy, Kathleen Clark was standing at the receptionist window of her OB-GYN’s office when she was asked to pay $960, the total the office estimated she would owe after she delivered. Clark, 39, was shocked that she was asked to pay that amount during this second prenatal visit. Normally, patients receive the bill after insurance has paid its part, and for pregnant women that’s usually only when the pregnancy ends. It would be months before the office filed the claim with her health insurer. Clark said she felt stuck. The Cleveland, Tennessee, obstetrics practice was affiliated with a birthing center where she wanted to deliver. Plus, she and her husband had been wanting to have a baby for a long time. And Clark was emotional, because just weeks earlier her mother had died. “You’re standing there at the window, and there’s people all around, and you’re trying to be really nice,” recalled Clark, through tears. “So, I paid it.” On online baby message boards and other social media forums , pregnant women say they are being asked by their providers to pay out-of-pocket fees earlier than expected. The practice is legal, but patient advocacy groups call it unethical. Medical providers argue that asking for payment up front ensures they get compensated for their services. How frequently this happens is hard to track because it is considered a private transaction between the provider and the patient. Therefore, the payments are not recorded in insurance claims data and are not studied by researchers. Patients, medical billing experts, and patient advocates say the billing practice causes unexpected anxiety at a time of already heightened stress and financial pressure. Estimates can sometimes be higher than what a patient might ultimately owe and force people to fight for refunds if they miscarry or the amount paid was higher than the final bill. Up-front payments also create hurdles for women who may want to switch providers if they are unhappy with their care. In some cases, they may cause women to forgo prenatal care altogether, especially in places where few other maternity care options exist. It’s “holding their treatment hostage,” said Caitlin Donovan, a senior director at the Patient Advocate Foundation . Medical billing and women’s health experts believe OB-GYN offices adopted the practice to manage the high cost of maternity care and the way it is billed for in the U.S. When a pregnancy ends, OB-GYNs typically file a single insurance claim for routine prenatal care, labor, delivery, and, often, postpartum care. That practice of bundling all maternity care into one billing code began three decades ago, said Lisa Satterfield, senior director of health and payment policy at the American College of Obstetricians and Gynecologists . But such bundled billing has become outdated, she said. Previously, pregnant patients had been subject to copayments for each prenatal visit, which might lead them to skip crucial appointments to save money. But the Affordable Care Act now requires all commercial insurers to fully cover certain prenatal services. Plus, it’s become more common for pregnant women to switch providers, or have different providers handle prenatal care, labor, and delivery — especially in rural areas where patient transfers are common. Some providers say prepayments allow them to spread out one-time payments over the course of the pregnancy to ensure that they are compensated for the care they do provide, even if they don’t ultimately deliver the baby. “You have people who, unfortunately, are not getting paid for the work that they do,” said Pamela Boatner, who works as a midwife in a Georgia hospital. While she believes women should receive pregnancy care regardless of their ability to pay, she also understands that some providers want to make sure their bill isn’t ignored after the baby is delivered. New parents might be overloaded with hospital bills and the costs of caring for a new child, and they may lack income if a parent isn’t working, Boatner said. In the U.S., having a baby can be expensive. People who obtain health insurance through large employers pay an average of nearly $3,000 out-of-pocket for pregnancy, childbirth, and postpartum care, according to the Peterson-KFF Health System Tracker . In addition, many people are opting for high-deductible health insurance plans, leaving them to shoulder a larger share of the costs. Of the 100 million U.S. people with health care debt, 12% attribute at least some of it to maternity care, according to a 2022 KFF poll . Families need time to save money for the high costs of pregnancy, childbirth, and child care, especially if they lack paid maternity leave, said Joy Burkhard , CEO of the Policy Center for Maternal Mental Health, a Los Angeles-based policy think tank. Asking them to prepay “is another gut punch,” she said. “What if you don’t have the money? Do you put it on credit cards and hope your credit card goes through?” Calculating the final costs of childbirth depends on multiple factors, such as the timing of the pregnancy , plan benefits, and health complications, said Erin Duffy , a health policy researcher at the University of Southern California’s Schaeffer Center for Health Policy and Economics. The final bill for the patient is unclear until a health plan decides how much of the claim it will cover, she said. But sometimes the option to wait for the insurer is taken away. During Jamie Daw’s first pregnancy in 2020, her OB-GYN accepted her refusal to pay in advance because Daw wanted to see the final bill. But in 2023, during her second pregnancy, a private midwifery practice in New York told her that since she had a high-deductible plan, it was mandatory to pay $2,000 spread out with monthly payments. Daw, a health policy researcher at Columbia University, delivered in September 2023 and got a refund check that November for $640 to cover the difference between the estimate and the final bill. “I study health insurance,” she said. “But, as most of us know, it’s so complicated when you’re really living it.” While the Affordable Care Act requires insurers to cover some prenatal services, it doesn’t prohibit providers from sending their final bill to patients early. It would be a challenge politically and practically for state and federal governments to attempt to regulate the timing of the payment request, said Sabrina Corlette , a co-director of the Center on Health Insurance Reforms at Georgetown University. Medical lobbying groups are powerful and contracts between insurers and medical providers are proprietary. Because of the legal gray area, Lacy Marshall , an insurance broker at Rapha Health and Life in Texas, advises clients to ask their insurer if they can refuse to prepay their deductible. Some insurance plans prohibit providers in their network from requiring payment up front. If the insurer says they can refuse to pay up front, Marshall said, she tells clients to get established with a practice before declining to pay, so that the provider can’t refuse treatment. Related Articles Health | Which health insurance plan may be right for you? Health | Your cool black kitchenware could be slowly poisoning you, study says. Here’s what to do Health | Does fluoride cause cancer, IQ loss, and more? Fact-checking Robert F. Kennedy Jr.’s claims Health | US towns plunge into debates about fluoride in water Health | Older Americans living alone often rely on neighbors or others willing to help Clark said she met her insurance deductible after paying for genetic testing, extra ultrasounds, and other services out of her health care flexible spending account. Then she called her OB-GYN’s office and asked for a refund. “I got my spine back,” said Clark, who had previously worked at a health insurer and a medical office. She got an initial check for about half the $960 she originally paid. In August, Clark was sent to the hospital after her blood pressure spiked. A high-risk pregnancy specialist — not her original OB-GYN practice — delivered her son, Peter, prematurely via emergency cesarean section at 30 weeks. It was only after she resolved most of the bills from the delivery that she received the rest of her refund from the other OB-GYN practice. This final check came in October, just days after Clark brought Peter home from the hospital, and after multiple calls to the office. She said it all added stress to an already stressful period. “Why am I having to pay the price as a patient?” she said. “I’m just trying to have a baby.” ©2024 KFF Health News. Distributed by Tribune Content Agency, LLC.