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Apple Cash: How to use it to send and receive money

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Stock market today: Wall Street slips below its records as bitcoin briefly pops above $100,000 NEW YORK (AP) — U.S. stocks slipped below their records in the runup to a big jobs report due on Friday. The S&P 500 edged down 0.2% Thursday after setting an all-time high for the 56th time this year the day before. Stan Choe, The Associated Press Dec 5, 2024 1:04 PM Share by Email Share on Facebook Share on X Share on LinkedIn Print Share via Text Message Holiday ornaments adorn the Wall Street side of the New York Stock Exchange in New York's Financial District on Wednesday, Dec. 4, 2024. (AP Photo/Peter Morgan) NEW YORK (AP) — U.S. stocks slipped below their records in the runup to a big jobs report due on Friday. The S&P 500 edged down 0.2% Thursday after setting an all-time high for the 56th time this year the day before. The Dow Jones Industrial Average lost 0.6%, while the Nasdaq composite fell 0.2%. The crypto market had much more action, and bitcoin briefly burst to a record above $103,000 before falling back toward $99,000. It’s climbed dramatically since Election Day on hopes President-elect Donald Trump will be more friendly to crypto. Airline stocks were strong, while Treasury yields held relatively steady in the bond market. THIS IS A BREAKING NEWS UPDATE. AP’s earlier story follows below. NEW YORK (AP) — U.S. stocks are drifting around their records Thursday in the runup to a big jobs report due on Friday. The crypto market had much more action, and bitcoin briefly burst to a record above $103,000 before pulling back. The S&P 500 was edging down by 0.1% after setting an all-time high for the 56th time this year the day before to improve one of its best years of the millennium . The Dow Jones Industrial Average was down 183 points, or 0.4%, with roughly an hour remaining in trading, while the Nasdaq composite was nearly unchanged from its own record set the day before. Bitcoin powered above $100,000 the night before, after President-elect Donald Trump chose a crypto advocate, Paul Atkins, as his nominee to head the Securities and Exchange Commission. The cryptocurrency has climbed dramatically from less than $70,000 on Election Day, but it quickly fell back as Thursday progressed toward $99,000, according to CoinDesk. Sharps swings for bitcoin are nothing new, and they took stocks of companies enmeshed in the crypto world on a similar ride. After rising as much as 9% in early trading, MicroStrategy, a company that’s been raising cash just to buy bitcoin, swung to a loss of 5.9%. Crypto exchange Coinbase Global fell 3.2% after likewise erasing a big early gain. Elsewhere on Wall Street, stocks of airlines helped lead the way following the latest bumps up to financial forecasts from carriers. American Airlines Group soared 18.6% after saying it’s making more in revenue during the last three months of 2024 than it expected, and it will likely make a bigger profit than it had earlier forecast. The airline also chose Citi to be its exclusive partner for credit cards that give miles in its loyalty program. That should help its cash coming in from co-branded credit card and other partners grow by about 10% annually. Southwest Airlines climbed 3.4% after saying it’s seeing stronger demand from leisure travelers than it expected. It also raised its forecast for revenue for the holiday traveling season. On the losing end of Wall Street was Synposys, which tumbled 12.1%. The supplier for the semiconductor industry reported better profit for the latest quarter than analysts expected, but it also warned of “continued macro uncertainties” and gave a forecast for revenue in the current quarter that fell short of some analysts’ estimates. American Eagle Outfitters fell even more, 15.3%, after the retailer said it’s preparing for “potential choppiness” outside of peak selling periods. It was reminiscent of a warning from Foot Locker earlier in the week and raised more concerns about how resilient U.S. shoppers can remain. Solid spending by U.S. consumers has been one of the main reasons the U.S. economy has avoided a recession that earlier seemed inevitable after the Federal Reserve hiked interest rates to crush inflation. But shoppers are now contending with still-high prices and a slowing job market . This week’s highlight for Wall Street will be Friday’s jobs report from the U.S. government, which will show how many people employers hired and fired last month. A report on Thursday said the number of U.S. workers applying for unemployment benefits rose last week but remains at historically healthy levels. Expectations are high that the Fed will cut its main interest rate again when it meets in two weeks. The Fed began easing its main interest rate from a two-decade high in September, hoping to offer more support for the job market. In the bond market, the yield on the 10-year Treasury held steady at 4.18%, where it was late Wednesday. In stock markets abroad, indexes were mostly calm in Europe after far-right and left-wing lawmakers in France joined together to vote on a no-confidence motion prompted by budget disputes that will force Prime Minister Michel Barnier and his Cabinet to resign. The CAC 40 index in Paris added 0.4%. In South Korea, the Kospi fell 0.9% to compound its 1.4% decline from the day before. President Yoon Suk Yeol was facing possible impeachment after he suddenly declared martial law on Tuesday night. He revoked the martial law declaration six hours later. Crude oil prices slipped after eight members of the OPEC+ alliance of oil exporting countries decided to put off increasing oil production. ___ AP Business Writers Yuri Kageyama and Matt Ott contrributed. Stan Choe, The Associated Press See a typo/mistake? Have a story/tip? This has been shared 0 times 0 Shares Share by Email Share on Facebook Share on X Share on LinkedIn Print Share via Text Message More The Mix S&P/TSX composite rises Thursday, U.S. markets down ahead of jobs report Dec 5, 2024 1:46 PM Exiled Iranian filmmaker Mohammad Rasoulof's definition of home is shifting Dec 5, 2024 1:44 PM B.C. premier says feds and provinces plan right-left approach to Trump's tariff plans Dec 5, 2024 1:43 PM Featured FlyerNone

Apple Cash: How to use it to send and receive moneyNEW YORK (AP) — U.S. stocks slipped below their records in the runup to a big jobs report due on Friday. The S&P 500 edged down 0.2% Thursday after setting an all-time high for the 56th time this year the day before. The Dow Jones Industrial Average lost 0.6%, while the Nasdaq composite fell 0.2%. The crypto market had much more action, and bitcoin briefly burst to a record above $103,000 before falling back toward $99,000. It’s climbed dramatically since Election Day on hopes President-elect Donald Trump will be more friendly to crypto. Airline stocks were strong, while Treasury yields held relatively steady in the bond market. THIS IS A BREAKING NEWS UPDATE. AP’s earlier story follows below. NEW YORK (AP) — U.S. stocks are drifting around their records Thursday in the runup to a big jobs report due on Friday. The crypto market had much more action, and bitcoin briefly burst to a record above $103,000 before pulling back. The S&P 500 was edging down by 0.1% after setting an all-time high for the 56th time this year the day before to improve one of its best years of the millennium . The Dow Jones Industrial Average was down 183 points, or 0.4%, with roughly an hour remaining in trading, while the Nasdaq composite was nearly unchanged from its own record set the day before. Bitcoin powered above $100,000 the night before, after President-elect Donald Trump chose a crypto advocate, Paul Atkins, as his nominee to head the Securities and Exchange Commission. The cryptocurrency has climbed dramatically from less than $70,000 on Election Day, but it quickly fell back as Thursday progressed toward $99,000, according to CoinDesk. Sharps swings for bitcoin are nothing new, and they took stocks of companies enmeshed in the crypto world on a similar ride. After rising as much as 9% in early trading, MicroStrategy, a company that’s been raising cash just to buy bitcoin, swung to a loss of 5.9%. Crypto exchange Coinbase Global fell 3.2% after likewise erasing a big early gain. Elsewhere on Wall Street, stocks of airlines helped lead the way following the latest bumps up to financial forecasts from carriers. American Airlines Group soared 18.6% after saying it’s making more in revenue during the last three months of 2024 than it expected, and it will likely make a bigger profit than it had earlier forecast. The airline also chose Citi to be its exclusive partner for credit cards that give miles in its loyalty program. That should help its cash coming in from co-branded credit card and other partners grow by about 10% annually. Southwest Airlines climbed 3.4% after saying it’s seeing stronger demand from leisure travelers than it expected. It also raised its forecast for revenue for the holiday traveling season. On the losing end of Wall Street was Synposys, which tumbled 12.1%. The supplier for the semiconductor industry reported better profit for the latest quarter than analysts expected, but it also warned of “continued macro uncertainties” and gave a forecast for revenue in the current quarter that fell short of some analysts’ estimates. American Eagle Outfitters fell even more, 15.3%, after the retailer said it’s preparing for “potential choppiness” outside of peak selling periods. It was reminiscent of a warning from Foot Locker earlier in the week and raised more concerns about how resilient U.S. shoppers can remain. Solid spending by U.S. consumers has been one of the main reasons the U.S. economy has avoided a recession that earlier seemed inevitable after the Federal Reserve hiked interest rates to crush inflation. But shoppers are now contending with still-high prices and a slowing job market . This week’s highlight for Wall Street will be Friday’s jobs report from the U.S. government, which will show how many people employers hired and fired last month. A report on Thursday said the number of U.S. workers applying for unemployment benefits rose last week but remains at historically healthy levels. Expectations are high that the Fed will cut its main interest rate again when it meets in two weeks. The Fed began easing its main interest rate from a two-decade high in September, hoping to offer more support for the job market. In the bond market, the yield on the 10-year Treasury held steady at 4.18%, where it was late Wednesday. In stock markets abroad, indexes were mostly calm in Europe after far-right and left-wing lawmakers in France joined together to vote on a no-confidence motion prompted by budget disputes that will force Prime Minister Michel Barnier and his Cabinet to resign. The CAC 40 index in Paris added 0.4%. In South Korea, the Kospi fell 0.9% to compound its 1.4% decline from the day before. President Yoon Suk Yeol was facing possible impeachment after he suddenly declared martial law on Tuesday night. He revoked the martial law declaration six hours later. Crude oil prices slipped after eight members of the OPEC+ alliance of oil exporting countries decided to put off increasing oil production. ___ AP Business Writers Yuri Kageyama and Matt Ott contrributed. Stan Choe, The Associated Press

AP News Summary at 3:38 p.m. ESTSan Francisco 49ers quarterback Brock Purdy will not play Sunday and head coach Kyle Shanahan said the lingering discomfort is a concern. Purdy sat out Friday after he participated in the start of Thursday's practice with the 49ers, then retreated indoors for what Shanahan said was a treatment session. Brandon Allen, 32, will start in Purdy's place, and the 49ers are also without defensive end Nick Bosa (oblique). Shanahan said players believe in Allen, even if he's an unknown. "Outside of here people haven't seen a lot of Brandon. But it's his second year (with the 49ers)," Shanahan said. "Obviously guys want Brock up, but guys are excited to see Brandon play." Shanahan said they are "a little surprised" Purdy experienced tightness and discomfort in his shoulder after an MRI exam on Monday that showed no long-term cause for concern. "The way it responded this week, it's really up in the air for next week," Shanahan said of Purdy. Allen is familiar to Packers head coach Matt LaFleur, who was an assistant coach with the Rams during Allen's two-year run in Los Angeles. Allen broke into the NFL in 2016 with the Jaguars and is 2-7 in nine career starts. He went 1-2 with the Broncos in 2019 and 1-5 in six starts over two years with the Bengals in 2020 and ‘21. Shanahan said Allen's confidence grew throughout the week and he doesn't anticipate a major change in how he calls the offense. Left tackle Trent Williams (ankle) also missed practice for the third consecutive day. Without disclosing the nature of the ailment to Purdy's throwing shoulder, general manager John Lynch confirmed Friday an MRI exam took place to determine the severity of any injury. Allen worked with the first team most of Thursday and Friday with Joshua Dobbs also taking snaps. Lynch described Purdy's status for the 49ers (5-5) this week as "tenuous." "Hopefully, he makes progress, and we can have a shot at this weekend, but we'll see," Lynch said in an interview with KNBR in San Francisco. "I think it's tenuous." When Purdy was on the field this week, he primarily worked on the side in position-specific drills with QB coach Brian Griese. Williams played through an ankle injury last week after being listed as questionable but exited the stadium with an exaggerated limp on Sunday. Run game coordinator Chris Foerster said the 49ers aren't where they want to be at 5-5 because they haven't won close games, not because of injuries. "Seven games left is like an eternity," Foerster said. "So much can happen. Do the math. What was our record last year? It was 12-5. I was on a 13-win team that was nowhere near as good as the team last year." With or without Purdy, Foerster said the challenge for the 49ers is not to give up the ball to a defense that has 19 takeaways. The 49ers have 13 giveaways this season. --Field Level Media

Cardinals' sudden 3-game tailspin has turned their once solid playoff hopes into a long shotCNN wants the North Carolina lieutenant governor's defamation lawsuit against it thrown outJohnson & Johnson snaps six days of losing streak

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Proposed California law would require warning labels on social mediaOn paper, Luigi Mangione had it all: wealth, intellect, athleticism, good looks. But the child of a prominent Maryland family may have spurned it all in a spasm of violence, in a killing that has mesmerized Americans. The 26-year-old was arrested Monday and charged with the murder of Brian Thompson, a health insurance chief executive and father of two who was gunned down in Manhattan last week by someone who, evidence suggests, has endured his own debilitating health crises and grew angry with the privatized US medical system. The cold-blooded killing has laid bare the deep frustration many Americans feel toward the country's labyrinthine health care system: while many have condemned the shooting, others have praised Mangione as a hero. It has also prompted considerable interest in how a young engineer with an Ivy League education could have gone off the rails to commit murder. News of his capture at a Pennsylvania McDonald's triggered an explosion of online activity, with Mangione quickly amassing new followers on social media as citizen sleuths and US media tried to understand who he is. As Americans have looked for clues about a political ideology or potential motive, a photo on his X account (formerly Twitter) includes an X-ray of an apparently injured spine. Mangione lived in Hawaii in 2022 and, according to his former roommate R.J. Martin, suffered from back pain, and was hoping to strengthen his back. After a surfing lesson, Mangione was "in bed for about a week" because of the pain, Martin told CNN. Earlier this year, Martin said, Mangione confirmed he'd had back surgery and sent him photos of the X-rays. Police said the suspect carried a hand-written manifesto of grievances in which he slammed America's "most expensive health care system in the world." "He was writing a lot about his disdain for corporate America and in particular the health care industry," New York police chief detective Joseph Kenny told ABC. According to CNN, a document recovered when Mangione was arrested included the phrase "these parasites had it coming." Meanwhile, memes and jokes proliferated, many riffing on his first name and comparing him to the "Mario Bros." video game character Luigi. Many expressed at least partial sympathy, having had their own harrowing experiences with the US health care system. "Godspeed. Please know that we all hear you," wrote one user on Facebook. Mangione hails from the Baltimore area. His wealthy Italian-American family owns local businesses, including the Hayfields Country Club, according to local outlet the Baltimore Banner, and cousin Nino Mangione is a Maryland state delegate. A standout student, Luigi graduated at the top of his high school class in 2016. A former student who knew Mangione at the elite Gilman School told AFP the suspect struck him as "a normal guy, nice kid." "There was nothing about him that was off, at least from my perception," the person said. Mangione attended the prestigious University of Pennsylvania, where he completed both a bachelor's and master's degree in computer science by 2020, according to a university spokesperson. While at Penn, Mangione co-led a group of 60 undergraduates who collaborated on video game projects, as noted in a now-deleted university webpage. On Instagram Mangione shared snapshots of his travels, and shirtless images of himself flaunting a six-pack. X users have scoured Mangione's posts for potential motives. His header photo includes an X-ray of a spine with bolts attached. Finding a political ideology that fits neatly onto the right-left divide has proved elusive, though he had written a review of Ted Kaczynski's manifesto on online site Goodreads, calling it "prescient." Kaczynski, known as the Unabomber, carried out multiple bombings in the United States from 1978 to 1995, in a campaign he said was aimed at halting the advance of modern society and technology. Mangione has also linked approvingly to posts criticizing secularism as a harmful consequence of Christianity's decline, and retweeted posts on the impact mobile phones and social media have on mental health. ia/abo-mlm/nroRebekah Vardy extends olive branch to Coleen Rooney just hours after I'm A Celebrity final

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René Bennett | (TNS) Bankrate.com If you’re an iPhone user, you might not realize that you already have access to Apple Cash. It’s a digital cash card that’s built into Apple devices and can be found in the default Wallet app. (Note: You must link an eligible debit card to use this service.) The main function of Apple Cash is to make it easier for Apple device users to send money to one another, including sending money through the iMessage app. But Apple Cash is more than just a peer-to-peer (P2P) payment service — it can be used to shop online, in stores or to make in-app purchases. Apple Cash is a convenient way to transfer money between friends and family. Once it’s set up, a user can simply open the iMessage app and send money to a contact through their chat. It’s also useful for those who use Apple Pay, a separate service that allows Apple device users to make contactless payments with any linked card, including an Apple Cash card. Here are some important things to know about setting up and using Apple Cash. Apple Cash is a digital cash card that’s stored in the Wallet app of Apple devices, and it can be used for making P2P payments, as well as purchases through Apple Pay. When you receive money from another Apple Cash user, that money appears in your Apple Cash balance. The balance can then be spent or transferred to a linked bank account or debit card. Sending money to peers with Apple Cash can be done either directly from the digital Apple Cash card (in the Wallet app) or through the iMessage app. You can send or receive anywhere between $1 and $10,000 per message. The money shows up on the recipient’s Apple Cash card instantly, but it may take from one to three days for the balance to be transferred to a bank account. Instant transfers to a bank account are possible, but it comes with a 1.5% fee. There’s also an option to set up Apple Cash Family for children who are under 18 years old. This option limits the amount a child can send to $2,000 per message. Those younger than 18 also cannot add money to their Apple Cash card from a bank account; rather, their balance only grows when they receive money from another Apple Cash user. Apple Cash is a digital card within your Wallet that allows you to spend your Apple Cash online, in stores and in apps as well send and receive money. Apple Pay, however, allows you to make purchases using any credit card or debit card you have stored in your Wallet — including Apple Cash. With Apple Pay, you add credit and debit cards to your Wallet and then have the ability to pay right with your phone (or other Apple product). To set up Apple Cash, you’ll need three things: —A compatible Apple device. —Two-factor authentication enabled for your Apple ID (this can be done in Settings). —An eligible debit card to load funds onto the Apple Cash card. In the Settings app, you can turn on Apple Cash in the Wallet and Apple Pay section. Tap on the Apple Cash card icon and follow the instructions on the screen. You’ll be asked to agree to the terms and conditions, after which your device will set up Apple Cash for you. The Apple Cash card, once set up, can be found in your device’s Wallet app. If you want to set up Apple Cash Family, you’ll first need to have Family Sharing turned on, which can be done in Settings. The family organizer can add children to Apple Cash in the Family Sharing section of Settings. You’ll need to have a debit card linked to your digital Wallet to add money to an Apple Cash card. You can add a debit card to Wallet in the same place where you set up Apple Cash — the Wallet and Apple Pay section of Settings. Once a debit card is linked to your Wallet, open Wallet and tap on the Apple Cash card. Then, tap the More button (an icon with three dots). This will open a page where you can see your Apple Cash balance, add money and transfer funds to a bank account. Tap Add Money and enter the amount you’d like to add (the minimum is $10). You’ll be asked to confirm which debit card you want to use to fund the Apple Cash balance, and then the money is added to the Apple Cash card. There are two ways to send a payment to someone using Apple Cash: directly from your Wallet or in the iMessage app. Both the sender and recipient need Apple Cash to send or receive money. To send money from Wallet, simply tap the Apple Cash card in Wallet and then tap Send. Type in the contact name or phone number of the recipient. Enter the amount you’d like to send (between $1 and $10,000), then review the payment and confirm it with Face ID, Touch ID or a passcode. In iMessage, open the conversation with who you’d like to send money to, or start a new one. Tap on the app button, which appears next to the type bar, and then tap on the Apple Cash icon. You’ll be prompted to enter an amount (between $1 and $10,000). Once you’ve reviewed the amount, tap Send and confirm with Face ID, Touch ID or a passcode. The first time money is sent to someone, the recipient will need to accept the payment within seven days for it to go through. After the first instance, payments are automatically accepted. If you’re using Apple Cash to make a purchase either online or in a store, you’ll need to pay using Apple Pay. To request money from your iPhone, open the conversation in the Messages app. Tap the plus icon, followed by Apple Cash. Then, tap Request. Tap the send button to send your payment request. Once the request is sent, the person you sent it to can confirm or change the amount they send to you. You can also request money from your Apple watch. Open your messages app, choose a conversation, tap the plus icon and then choose Apple Cash. Once you enter the amount you are requesting, swipe left on the Send button. Tap Request. As you start to accumulate money on the Apple Cash card, you may want to move it to a debit card or a bank account . This can be done by going to the same place where you added funds to the card, by clicking the icon with three dots next to your digital card. Enter an amount to be transferred, then tap Next. You’ll be asked whether you want to do an instant transfer (for a 1.5% fee) or a transfer in one to three business days for free. After making a selection, the screen will instruct you to set up a bank account if you don’t already have one set up. You’ll confirm the payment, and the transfer is initiated. Instant transfers can only be made to an eligible debit card, not a bank account. Money is sent within 30 minutes when you select instant transfer. —Zelle: If your bank is offers Zelle, it might be a good idea to take advantage of the P2P payment service. Zelle can be accessed directly from your bank’s mobile app, and it allows you to send instant transfers at no extra cost. —Venmo: Anyone can use Venmo, as long as they’ve downloaded the app. Unlike Apple Cash or Zelle, it’s a standalone P2P payment app. Venmo comes with a social element — users can follow each other and add fun emojis to their payments, although they can also keep their account activity private. —PayPal: This P2P payment service is a good option if you want to send money internationally. It also offers a PayPal Debit card, which, like the Apple Cash card, can be used to make purchases online or in stores. —Samsung Pay Cash: Samsung device users can use this option instead of Apple Cash. Similar to Apple Cash, it is a digital wallet that you can access from a Samsung mobile device. However, to take full advantage of Samsung Pay Cash, users will need to undergo an extra registration process to upgrade to a Full Card Account. Apple Cash makes it easy for Apple device users to send money to each other. Users can simply tap the Apple Cash icon in their text messages to send money through iMessage. It can also be used as an extra repository for spending money and can be used for purchases anywhere Apple Pay is accepted. With that said, only Apple device users can send and receive money using Apple Cash, so those looking for a more universal payment service may want to consider other P2P payment apps . ©2024 Bankrate.com. 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Bitcoin storms above $100K, sees value more than double in 2024China stocks back on the menu as Xi Jinping signals major stimulus in Politburo meetingORCHARD PARK, N.Y. (AP) — In a season that began with many questions and lowered expectations , it was apt watching Bills quarterback Josh Allen join coach Sean McDermott lay on the cold, wet sideline to make snow angels in celebrating Buffalo’s earliest clinching of a division title in team history. That Allen took part was no surprise. The newly engaged 28-year-old has maintained the happy-go-lucky approach he brought with him to Buffalo as a raw-talented athlete in 2018, while gradually blossoming into one of the NFL’s elite quarterbacks. For McDermott, it was a pleasant surprise to see the usually reserved eight-year coach finally let his hair down — figuratively, because the few jokes he does make are usually about being bald. With his latest do-it-all three-TD outing — one rushing, one receiving and, the coup de grace, being credited with receiving his own pass for a score off a lateral from Amari Cooper — in a 35-10 win over San Francisco on Sunday night , Allen continued making his strongest NFL MVP case. What’s also becoming apparent is how much McDermott deserves consideration for coach of the year honors. Without the two, the Bills (10-2) wouldn’t be in this position in becoming just the eighth NFL team — and first since Indianapolis in 2009 — to clinch a division title with at least five games remaining in their schedule. It’s reflective of how the two have grown together in what, on the outside, could be perceived as an odd couple relationship between an offensive-minded, swashbuckling quarterback and a defensive-minded coach, too often knocked for being too conservative. Perhaps, it’s Allen’s boyish nature that has brought out the risk-taker in McDermott, who has carried over the aggressive approach he takes to defense by placing trust in his quarterback. It’s become apparent in everything the Bills have accomplished so far in having at least 10 wins through 12 games for just the fifth time in team history, and first since 1991, when Buffalo was led by eventual Hall of Famers in coach Marv Levy and quarterback Jim Kelly. Buffalo has won seven straight since consecutive losses to Baltimore and Houston. And the Bills have scored 30 or more points in six straight outings, matching the team record set in 2004. Allen is doing more with less on an offense that was supposed to be hampered following the offseason departures of receivers Stefon Diggs and Gabe Davis and center Mitch Morse. The Bills are more balanced in leaning on their running attack, while Allen has also curtailed his turnover-prone ways. He's lost two fumbles and thrown just five interceptions after being picked off a career-worst 18 times last season. Meantime, McDermott has taken a different approach to fourth down situations. The Bills have converted 13 of 15 fourth down attempts after going 9 of 16 last season and 7 of 13 in 2022. The most fourth down attempts during McDermott’s tenure came in 2021, when Buffalo converted just 11 of 22. This is but an example of the bond the quarterback and coach have built in a shared objective of overcoming past playoff failures. Clinching a division title is but one step, with the Bills now focused on catching the Kansas City Chiefs (11-1), whom they’ve beaten already , for the AFC’s top seed. In calling it the team’s next goal, McDermott went off script from his usual game-at-a-time message by noting the importance of celebrating a division-clinching win, if only for one day. “Being 50 years old and 20-plus years in this league, I’ve learned to try and enjoy the moments,” McDermott said. “And this is a moment, right?” It certainly was. Turnover differential. Buffalo’s defense forced three fumbles, including one at its goal line, while the offense didn’t commit a giveaway. The Bills upped their league-leading turnover differential entering Monday to plus-17. Run defense. Though the conditions were snowy and slick, the Bills allowed 119 yards rushing in the first half before the 49ers were forced to start passing the ball once the score became lopsided. Buffalo particularly struggled in stopping Christian McCaffrey, who had 53 yards on seven carries before leaving the game with a potential season-ending knee injury . LB Matt Milano was in on five tackles while playing 37 of 48 defensive snaps in his first outing in nearly 14 months after being sidelined by a broken right leg and torn left biceps. CB Kaiir Elam, the 2022 first-round pick was a healthy inactive for a second straight outing, and still having difficulty finding a regular role. None reported. 9-0 — The Bills' home record going back to last season, marking their second-longest run in team history. Hit the road for two outings, starting with a trip to face the Los Angeles Rams on Sunday. AP NFL: https://apnews.com/hub/nflA Delaware judge has reaffirmed her ruling that Tesla must revoke Elon Musk’s multibillion-dollar pay package. Chancellor Kathaleen St. Jude McCormick on Monday denied a request by attorneys for Musk and Tesla’s corporate directors to vacate her ruling earlier this year requiring the company to rescind the unprecedented pay package. McCormick also rejected an equally unprecedented and massive fee request by plaintiff attorneys, who argued that they were entitled to legal fees in the form of Tesla stock valued at more than $5 billion. The judge said the attorneys were entitled to a fee award of $345 million. The rulings came in a lawsuit filed by a Tesla stockholder who challenged Musk’s 2018 compensation package. McCormick concluded in January that Musk engineered the landmark pay package in sham negotiations with directors who were not independent. The compensation package initially carried a potential maximum value of about $56 billion, but that sum has fluctuated over the years based on Tesla’s stock price. Following the court ruling, Tesla shareholders met in June and ratified Musk’s 2018 pay package for a second time, again by an overwhelming margin. Defense attorneys then argued that the second vote makes clear that Tesla shareholders, with full knowledge of the flaws in the 2018 process that McCormick pointed out, were adamant that Musk is entitled to the pay package. They asked the judge to vacate her order, directing Tesla to rescind the pay package. McCormick, who seemed skeptical of the defense arguments during an August hearing, said in Monday’s ruling that those arguments were fatally flawed. “The large and talented group of defense firms got creative with the ratification argument, but their unprecedented theories go against multiple strains of settled law,” McCormick wrote in a 103-page opinion. The judge noted, among other things, that a stockholder vote standing alone cannot ratify a conflicted-controller transaction. “Even if a stockholder vote could have a ratifying effect, it could not do so here due to multiple material misstatements in the proxy statement,” she added. Meanwhile, McCormick found that the $5.6 billion fee request by the shareholder’s attorneys, which at one time approached $7 billion based on Tesla’s trading price, went too far. “In a case about excessive compensation, that was a bold ask,” McCormick wrote. Attorneys for the Tesla shareholders argue that their work resulted in the “massive” benefit of returning shares to Tesla that otherwise would have gone to Musk and diluted the stock held by other Tesla investors. They value that benefit at $51.4 billion, using the difference between the stock price at the time of McCormick’s January ruling and the strike price of some 304 million stock options granted to Musk. While finding that the methodology used to calculate the fee request was sound, the judge noted that the Delaware Supreme Court has noted that fee award guidelines “must yield to the greater policy concern of preventing windfalls to counsel.” “The fee award here must yield in this way because $5.6 billion is a windfall no matter the methodology used to justify it,” McCormick wrote. A fee award of $345 million, she said, was “an appropriate sum to reward a total victory.” The fee award amounts to almost exactly half the record $688 million in legal fees awarded in 2008 in litigation stemming from Enron's collapse .

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