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I had a visit on Sunday this week from a secondary school teacher who was asking how he can help his students who are all underage and who have sports betting apps and accounts. He is distressed that they have absorbed the gambling ad message and that their passion for sport is expressed through gambling. I assured him that given Labor and the Coalition would legislate a ban on social media for 16-year-olds they cannot enforce, it was surely a fait accompli that we would see a gambling ad ban which they can enforce. Exactly the same anxiety that parents feel about social media, they feel about gambling ads grooming their kids. Just a few hours later I saw the news that the prime minister, Anthony Albanese , seems to have squibbed any gambling ad reform at all. I was profoundly shocked. A year ago, I had witnessed the emotion of the PM when he spoke at Peta Murphy’s funeral and I had been assured that Labor would honour her groundbreaking legacy on gambling reform. I honestly believed that. She showed us the pathway to address one of our biggest health issues, in the country with the world’s highest per-capita gambling losses. The only question, I believed, was whether they would adopt her recommendation for a full ad ban or legislate just a partial ban. Would they move gambling out of racing and sport to address it in our health departments? Would they implement a national gambling regulator or continue to allow the Northern Territory to continue as the de facto regulator of these ads? Sign up for Guardian Australia’s breaking news email But to squib any reform at all, and dishonour her legacy so totally, never entered my mind. What has just happened? Well, it was not public opinion that defeated any reform. More than 70% of the public wanted a full ad ban and everyone wanted some limits placed on the ubiquity of these predatory ads normalising gambling in children’s minds with the AFL and NRL. The AFL supporters’ survey showed that 76% wanted a gambling ad ban from TV and radio. With more than a million ads a year on free-to-air television, the Australian public has had enough. There is a collective psychic vomit every time an ad appears, as well as parental incomprehension about why, 18 months after the Murphy inquiry, our children are still being subjected to this. Peter Dutton knew this. Months before the Murphy recommendations were handed down, he promised in his 2023 budget reply to limit gambling ads and received an overwhelmingly positive response. The Coalition has not responded to Murphy and was waiting to react to the government’s response. Now that the government has squibbed any reform, Dutton has a big opportunity. Sign up to Breaking News Australia Get the most important news as it breaks after newsletter promotion What happened is pretty simple in my view. The vested interests cowed the PM into dishonouring Murphy’s legacy. Those vested interests start with the obscenely rich foreign-owned sports betting companies. The British online gambling company Bet365 is well connected through their peak body Responsible Wagering Australia, which had former Labor senator Stephen Conroy as CEO followed by former Liberal chief of staff Kai Cantwell. Sporting bodies are often associated with gambling companies. The former CEO of the AFL is now CEO of Tabcorp. The AFL have been lobbying the PM not to implement the Murphy recommendations. Peter V’Landys is the chair of the NRL as well as chief executive and board member with NSW Racing. Media companies Seven, Nine and Foxtel have also been lobbying against the Murphy recommendations. In the same week that the federal government squibbed reform, the gambling industry achieved other successes. The Tasmanian government backflipped on its pokies reforms even though public opinion supports a cashless card. Tasmania Labor supported the Liberals signing the death warrant for promised reform. In New South Wales, the pokies industry sitting at the table of the premier Chris Minns’ expert panel has slowed down any cashless card reform to way beyond the next election. To have them at the table is a bit like having tobacco at the table to get smoking reform. In the US, despite overwhelming public desire to get gun reform, guns remain entrenched and it remains the US’s blind spot. In Australia, despite overwhelming desire to get gambling reform, gambling remains entrenched. What now seems clear is that, a year after her death, the recommendations of the brave Peta Murphy with multi-partisan support showed us a path forward, but our government caved in to vested interests. Tim Costello is chief advocate of the Alliance for Gambling ReformFormer UN Ambassador John Bolton weighs in on Israel-Hezbollah ceasefire proposal

Whales with a lot of money to spend have taken a noticeably bearish stance on NIO . Looking at options history for NIO NIO we detected 22 trades. If we consider the specifics of each trade, it is accurate to state that 4% of the investors opened trades with bullish expectations and 90% with bearish. From the overall spotted trades, 17 are puts, for a total amount of $1,002,691 and 5, calls, for a total amount of $164,560. Predicted Price Range After evaluating the trading volumes and Open Interest, it's evident that the major market movers are focusing on a price band between $4.0 and $20.0 for NIO, spanning the last three months. Insights into Volume & Open Interest Looking at the volume and open interest is an insightful way to conduct due diligence on a stock. This data can help you track the liquidity and interest for NIO's options for a given strike price. Below, we can observe the evolution of the volume and open interest of calls and puts, respectively, for all of NIO's whale activity within a strike price range from $4.0 to $20.0 in the last 30 days. NIO Call and Put Volume: 30-Day Overview Biggest Options Spotted: Symbol PUT/CALL Trade Type Sentiment Exp. Date Ask Bid Price Strike Price Total Trade Price Open Interest Volume NIO PUT SWEEP BEARISH 01/16/26 $4.0 $3.9 $3.95 $8.00 $129.1K 17.6K 881 NIO PUT SWEEP BEARISH 01/16/26 $3.95 $3.85 $3.95 $8.00 $83.6K 17.6K 3.9K NIO PUT SWEEP BEARISH 01/16/26 $3.95 $3.9 $3.95 $8.00 $78.9K 17.6K 1.8K NIO PUT SWEEP BEARISH 01/16/26 $3.95 $3.9 $3.92 $8.00 $68.8K 17.6K 1.5K NIO PUT SWEEP BEARISH 01/17/25 $0.67 $0.65 $0.67 $5.00 $67.0K 63.0K 1.0K About NIO Nio is a leading electric vehicle maker, targeting the premium segment. Founded in November 2014, Nio designs, develops, jointly manufactures, and sells premium smart electric vehicles. The company differentiates itself through continuous technological breakthroughs and innovations such as battery swapping and autonomous driving technologies. Nio launched its first model, its ES8 seven-seater electric SUV, in December 2017, and began deliveries in June 2018. Its current model portfolio includes midsize to large sedans and SUVs. It sold over 160,000 EVs in 2023, accounting for about 2% of the China passenger new energy vehicle market. In light of the recent options history for NIO, it's now appropriate to focus on the company itself. We aim to explore its current performance. Where Is NIO Standing Right Now? With a volume of 45,538,092, the price of NIO is up 3.4% at $4.86. RSI indicators hint that the underlying stock is currently neutral between overbought and oversold. Next earnings are expected to be released in 102 days. What The Experts Say On NIO Over the past month, 2 industry analysts have shared their insights on this stock, proposing an average target price of $5.699999999999999. Unusual Options Activity Detected: Smart Money on the Move Benzinga Edge's Unusual Options board spots potential market movers before they happen. See what positions big money is taking on your favorite stocks. Click here for access .* An analyst from Macquarie has revised its rating downward to Neutral, adjusting the price target to $4. * An analyst from Macquarie has elevated its stance to Outperform, setting a new price target at $6. Options trading presents higher risks and potential rewards. Astute traders manage these risks by continually educating themselves, adapting their strategies, monitoring multiple indicators, and keeping a close eye on market movements. Stay informed about the latest NIO options trades with real-time alerts from Benzinga Pro . © 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.As the Champions League campaign progresses, football fans around the world eagerly anticipate the excitement and drama that the competition brings. For Hakan Calhanoglu, the journey continues, filled with challenges, triumphs, and the unwavering support of teammates, fans, and friends. With his sights set on glory, the talented midfielder remains poised and determined to make his mark on the European stage.

As we await with bated breath for Huang Yaqiong's response to Zheng Siwei's proposal, we cannot help but be touched by the sincerity and vulnerability displayed by these two athletes. In a world where fame and success often overshadow personal relationships, their love story serves as a poignant reminder of the importance of companionship and genuine connection.Baltimore (7-4) at Los Angeles Chargers (7-3) Monday, 8:15 p.m. EST, ESPN/ABC BetMGM NFL odds: Ravens by 3. Against the spread: Ravens 5-5-1; Chargers 7-3. Series record: Ravens lead 9-5. Last meeting: Ravens beat Chargers 20-10 in Inglewood, Calif., on Nov. 26, 2023. Last week: Ravens lost to Pittsburgh 18-16; Chargers beat Cincinnati 34-27. Ravens offense: overall (1), rush (2), pass (3), scoring (2). Ravens defense: overall (3), rush (26), pass (2), scoring (23). Chargers offense: overall (18), rush (12), pass (19), scoring (18). Chargers defense: overall (11), rush (11), pass (12), scoring (1). Turnover differential: Ravens plus-2; Chargers plus-8. Ravens player to watch K Justin Tucker missed two field goals last week and is under pressure after spending most of his career beyond reproach. He’s missed six field goals on the season and is 4 for 12 from 50-plus yards since the start of last season. Chargers player to watch WR Ladd McConkey had a career-high 123 yards on six receptions against Cincinnati. The rookie came up with clutch catches of 28 and 27 yards to set up the game-winning touchdown. Key matchup Chargers RB J.K. Dobbins vs. Ravens’ run defense. Dobbins showed promise during his time in Baltimore, but he never was able to live up to that potential because of injuries. Now in Los Angeles on a one-year “prove it” contract, Dobbins has nearly matched his most productive season as a professional with 726 yards and eight touchdowns in 10 games. After seeing Pittsburgh run the ball 34 times last week, the Chargers will be glad to copy that bruising approach with Dobbins. The Ravens are allowing 77.5 rushing yards per game, but even the sturdiest defense can buckle against that volume of work, so getting off the field will be critical. Key injuries Baltimore’s defense has one significant injury concern, with LB Roquan Smith (hamstring) questionable to go this week after he was hurt against the Steelers. The good news is S Kyle Hamilton does not have an injury designation. He has been nursing an ankle problem, although he played against Pittsburgh. ... Chargers OLB Khalil Mack (groin) is questionable after the veteran pass rusher didn’t play against Cincinnati. ... McConkey is also questionable because of a shoulder injury. Series notes The Ravens have won four straight over the Chargers in the regular season, but Los Angeles did earn a 23-17 AFC wild-card round upset in January 2019. ... Baltimore cruised to a 34-6 win over the Chargers in its first visit to SoFi Stadium on Oct. 17, 2021. Stats and stuff Ravens RB Derrick Henry leads the NFL with 1,185 yards rushing and 15 total TDs (13 rushing and two receiving). He’s also run for a league-high 52 first downs. ... Henry is one rushing TD shy of the Ravens’ single-season record, set by Jamal Lewis in 2003. ... Baltimore QB Lamar Jackson is 6-2 on “Monday Night Football” with 20 TD passes and no interceptions. ... Henry is one of four players in the Super Bowl era to score a TD in each of the first 11 games of a season. The others are O.J. Simpson (1975), John Riggins (1983) and Jerry Rice (1987). ... The Ravens have scored touchdowns on a league-best 77.8% of their red zone trips. ... Jackson needs 124 yards passing and 16 yards rushing for a second consecutive season with 3,000 passing and 600 rushing. Since the AFL-NFL merger, only Randall Cunningham (1988-1990), Cam Newton (2011-12), Josh Allen (2021-22) and Jalen Hurts (2021-23) have accomplished that feat. ... Dobbins ran for two touchdowns against Cincinnati, giving him multiple scores in two of his past three games. He did it twice in 24 games as a Raven. ... OLB Tuli Tuipulotu had 1 1/2 sacks of Bengals QB Joe Burrow, his third straight game with more than one. All seven of Tuipulotu’s sacks this season have come in the past four games, and six of his eight tackles for loss have come in that span. ... The Chargers allowed a season-worst 27 points to Cincinnati after holding each of their previous nine opponents to 20 points or fewer. ... QB Justin Herbert has thrown one interception in 277 attempts this season. That lone pick came in Week 2 at Carolina. ... The Chargers lost their fifth turnover of the season when Herbert fumbled to start the fourth quarter. It was their first turnover at home. ... Los Angeles does not have a takeaway in its past two games. Fantasy tip Herbert has heated up after a slow start in terms of fantasy production, having thrown for multiple touchdowns in three of his past four games. He is likely to keep that success going this week. Baltimore has allowed 22 scores through the air, which is tied with Houston for second most in the league, and Herbert should have plenty of chances to add to that total in what could be another high-scoring matchup. ___ AP NFL: https://apnews.com/hub/NFL The Associated PressIn contrast, Inter Milan may find themselves in a challenging position if they underestimate the threat posed by SS Lazio. The pressure to defend their Serie A title while also making a mark in the Champions League can be a daunting task, particularly with strong opponents like Lazio standing in their way.

A LIFE TAKEN Ponciano Onia Jr. smiles broadly as he shows a copy of his certificate of candidacy for reelection as councilor of Umingan, Pangasinan, which he filed in October. Onia, who is also the president of Abono Partylist, was killed on Saturday. —Ponciano Onia Facebook CALASIAO, PANGASINAN, Philippines — The president of Abono Partylist, which represents agriculture and marginalized sectors in Congress, was shot and killed here while on his way home to Umingan town in eastern Pangasinan on Saturday night, in an incident that his local ally believed might be politically motivated. Ponciano Onia Jr., 59, who was seeking reelection as councilor of Umingan in next year’s elections, was peppered with bullets by unidentified gunner while driving his vehicle in Lubong village on his way to his residence in Barangay San Leon, Umingan at 7:45 p.m., the police report said. Onia died while receiving treatment at the Umingan community hospital at 8:40 p.m., police said. His two employees, who were with him inside his car, were unharmed. In a social media post, Umingan Vice Mayor Chris Evert Tadeo condemned the “senseless and most inhumane act of killing” of Onia, hinting at politics as the primary motive behind the killing. Tadeo said: “Ang karahasan at walang-awang pamamaslang sa isang indibidwal para sa sariling interes at pulitika ay walang puwang sa isang maayos at mapayapang komunidad (Violence and the merciless killing of an individual for self-interest and politics has no place in a healthy and peaceful community).” “We hope the death of a person who thought nothing but the welfare and rights of the people, will be given justice,” he added. However, Tadeo did not say who he was alluding to. The Police Regional Office in Ilocos Region (PRO 1), in a statement on Sunday, declared its “full commitment in conducting a thorough and impartial investigation” into the killing of Onia. PRO 1 Director Police Brig. Gen. Lou Evangelista said their investigators were “working tirelessly to gather all relevant evidence and testimonies from witnesses [and] coordinating with local authorities to ensure that every aspect of this incident is thoroughly examined.” “This tragic incident has sent ripples of grief throughout our community, and my heartfelt condolences go out to the family, friends, and constituents of Councilor Onia. We strongly condemn this criminal act,” he said in the statement. The police found eight fired cartridges for a caliber .45 gun and two jacketed deformed card bullets. “The safety and security of everyone is our top priority, and we are dedicated in intensifying our police operations as we are also approaching the election period,” the statement read. The police urged anyone with information regarding this incident to come forward and assist their investigators. PRO 1 has yet to confirm or deny allegations that the killing of Onia was politically motivated. “Continuous followup investigation/operation is being conducted for the possible arrest of the suspect/s and to establish the motive behind the shooting incident,” PRO 1 said in another statement. Abono Partylist expressed shock and sadness over the “senseless killing” of its president. “We deeply mourn [his] tragic passing. Our heartfelt condolences to his loved ones, colleagues and Abono Partylist family,” the group’s statement, issued by party list chair Rosendo So, said on Sunday afternoon. “May his legacy inspire future generations,” it added. Abono Partylist is represented by Rep. Raymond Estella in the House of Representatives. He could not be reached for comment on Sunday. Pangasinan has had its share of suspected political killings in recent years. Last Nov. 3, Dexter Jimenez, the former village chief of Gabon in Calasiao, was shot and killed while his wife was injured in a shooting incident. On Oct. 22, 2023, Arnel Adolfo Flormata, 41 and a candidate for barangay captain in Aguilar, Pangasinan, was shot and killed shortly after speaking at a campaign rally in Barangay Bayaoas. In December 2023, Reynaldo Escobar Jr., 51, former barangay chairman of Tanggal-Sawang of Umingan town, was also shot and killed by unidentified assailants in Barangay Bolintaguen, San Quintin. Sto. Tomas Councilor Benjamin Oculto, Jr. of this town was shot dead outside a church here on Dec. 16, 2018. He was to run in the 2019 elections for vice mayor of his town. In Mangaldan town, Barangay Poblacion chair Melinda Morillo was also shot and killed while driving home on Dec. 7, 2023. Subscribe to our daily newsletter By providing an email address. I agree to the Terms of Use and acknowledge that I have read the Privacy Policy . Infanta Mayor Ruperto Martinez was shot dead in December 2012.

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. Suit names long list of defendants 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. Defendants respond to requests for comment 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. Lawsuit: COVID relief package made ‘scheme’ possible 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.” How it started 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. Complaints from former employees and clients 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.Griezmann double makes it nine wins in a row for Atletico after stunning 4-3 victory over SevillaFurthermore, Nanning Zoo pointed out that the propagation of false information not only harms the reputation of the zoo but also has broader implications for society as a whole. In an age where misinformation spreads rapidly through social media and other online platforms, it is crucial for individuals to be vigilant and discerning when encountering dubious claims or rumors. By taking the time to verify information from reliable sources and refraining from sharing unverified news, we can collectively combat the spread of false information and uphold the integrity of public discourse.

Furthermore, President Trump's unpredictable and unilateral approach to international relations has generated uncertainty and mistrust among NATO allies. His transactional view of alliances and his tendency to prioritize short-term gains over long-term strategic interests have strained relationships with traditional partners and raised doubts about the United States' reliability as a security guarantor.The meeting also highlighted the importance of maintaining stable monetary policy and ensuring financial stability. These measures are crucial for maintaining market confidence and preventing systemic risks that could jeopardize economic stability.Furthermore, the easing of trade tensions between China and the United States has provided a much-needed respite for Chinese companies, many of which rely heavily on overseas markets for revenue. The recent Phase One trade deal between the two economic giants has injected a sense of stability and predictability into the global trade environment, creating a more favorable backdrop for Chinese businesses to thrive.AMCHITKA ISLAND, Alaska — A series of moderate to strong earthquakes struck Alaska's western Aleutian Islands and offshore areas Sunday. There were no immediate reports of damage or injuries in the area around Adak, Amchitka and Kiska islands some 1,350 miles (2,200 kilometers) west of Anchorage. Of the three remote islands, only Adak Island, with a population of about 300 people, is inhabited. Nine quakes measuring at least magnitude 5.0 struck on or near the islands and in a cluster offshore to the south Sunday morning and afternoon, according to the Alaska Earthquake Center. Three of the quakes measured 6.0 or stronger, with the biggest a 6.3 temblor offshore. “We are monitoring these events and their aftershocks, and will update when we have more information on the nature of this seismic activity,” the earthquake center said in a post on the social media site X. Get the latest breaking news as it happens. By clicking Sign up, you agree to our privacy policy . The quakes did not appear related to recent seismic activity at a volcano near Anchorage that last erupted in 1992. Much of Alaska including the Aleutian Islands is on the Ring of Fire, a seismically and volcanically active zone that surrounds most of the Pacific Ocean.

As the night drew to a close, Liang Wang Duo stood on the stage, their award held high, their smiles bright and their hearts full of gratitude. The Annual Best Male Doubles Award was a well-deserved honor for two exceptional athletes who have truly left their mark on the world of badminton. Here's to Liang Xiang and Wang Tao, the reigning champions of men's doubles badminton, and may their future be filled with many more moments of glory and triumph.The launch of the AI data center by 2025 represents a significant milestone in the journey towards the widespread adoption of AI and data analytics technologies. By harnessing the power of AI to unlock new business opportunities, drive innovation, and enhance customer experiences, Sharp and KDDI are poised to shape the future of technology and set new standards for excellence in the industry.Furthermore, Jian Jun highlights Salah's ability to track back and contribute defensively, making him a well-rounded winger who can impact the game in multiple ways. While Mbappe is known for his attacking flair and goal-scoring prowess, Salah brings a level of tactical awareness and defensive responsibility that could provide balance to the FIFPRO Best XI.

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