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3 takeaways from Iowa State basketball's blowout win against Colorado

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Tariff plan would hurt both the US and Mexico, Sheinbaum tells TrumpAfter a very successful home stand, the Aggies head out for three straight games outside the Dee Glen Smith Spectrum. The Utah State men’s basketball team begins a stretch of three neutral-site games on Friday in Kansas City, Missouri. The Aggies, who received votes this week in the AP Top 25 Poll, will face Iowa in the T-Mobile Center, which seats 18,000. The game is scheduled to begin at 6 p.m. and will be televised on the Big Ten Network. “It’s going to be a good test, a game outside of the Spectrum,” USU head coach Jerrod Calhoun said. “We are playing a very good, quality opponent, certainly a Quad 1 right now on a neutral site. It’s a great opportunity. We look forward to the opportunity. It’s a resume game.” While it is a neutral site, the Hawkeyes (5-0) will have a noticeable cheering section as they tend to travel well. In 2021, USU and Iowa played a neutral site game in South Dakota, which saw a lot of fans in yellow and black. “Wherever you are, you need to play good basketball to win,” Calhoun said. “We can play better on both sides. Montana gave us a good test.” The Aggies (4-0) are excited to get out an test themselves against a traditionally good opponent and away from home. USU’s Ian Martinez joked about how he seemed to thrive in road games a year ago. The graduate guard has been doing just fine at home to start the 2024-25 campaign. Martinez not only leads the Aggies in scoring at 22.8 points a game, but ranks among the best in the nation in efficient play. Following Monday’s 95-83 win over Montana, Martinez ranked 12th in the country in best statistical output per possession. He is shooting 53.5 percent from the field, including 56 percent from 3-point range and has made 93.9 percent of his free throw attempts. Martinez is also averaging 3.5 rebounds, 3.8 assists and one steal a game, while playing 26 minutes a game. “We look for all of our guys to be efficient,” Calhoun said. “The way that you do that is take good shots. Ian has really taken good shots. His teammates have done a phenomenal job of getting him some easy ones. ... Ian is going to score the ball, whether he averages 23 or 30 or 20 or 18, this kid can score the ball. I need to get the ball in good spots for him and run good things for him. He is a top-level scorer.” Four other Aggies are averaging double figures in the scoring department. Mason Falslev is netting 12.8 points an outing, followed by Aubin Gateretse (12.0), Dexter Akanno (11.8) and Karson Templin (11.5). Isaac Johnson (8.7), Drake Allen (7.8) and Tucker Anderson (7.8) are close to double digits. “We feel really good about where we are at health wise, conditioning wise,” Calhoun said. “We are going to use everybody against Iowa.” Gateretse missed Monday’s game as he was in concussion protocol. He has practiced this week and should be good to go Friday. USU will need the 6-foot-11 center and the 7-foot Johnson, who has also missed a game this young season, as Iowa has some size. “We saw a lot of size against Oregon (in a closed scrimmage before the season), so this won’t be the first time we’ve seen that size,” Calhoun said. “We are one of the better teams around the rim, so we need to go up there strong and finish. We’ve got to finish through contact. We need to be fearless in attacking the rim.” In their last outing, a 83-58 win over Rider on Tuesday, the Hawkeyes started four forwards and a guard. The forwards ranged from 6-7 to 6-10. Iowa also has size on the bench. “Iowa is a unique team, probably more unique than any team we play with their shot distribution being about 48 percent of their total shots being threes,” Calhoun said. “It gives you a different dynamic defensively. You have to honor almost every guy that steps on the floor. Every team presents different problems.” With the Aggies playing unique defense of their own, which is mostly a zone, will that invite Iowa to shoot more 3-point shots? “I don’t care if you are playing man or zone, Iowa scores the ball,” Calhoun said. “They are one of the better offensive teams in the country so far. We just have to have an unbelievable understanding of the game plan. ... We have to have urgency, have active hands and win pass battles. We need to disrupt their rhythm because this is a very, very good rhythm team.” Forward Payton Sandfort leads the Hawkeyes with 17.8 points, 7.0 rebounds and 4.2 assists an outing. Fellow forward Owen Freeman is a load at 6-10 and is averaging 17.5 points and 8.3 rebounds, while shooting nearly 60 percent from the field. Forward Pryce Sandfort, the younger brother of Payton, is the other Hawkeye to average double figures in points at 11.6, who played in the last game. “He (Freeman) was the Big Ten Freshman of the Year last year,” Calhoun said. “He is really good on that low block. He is not just a scorer, but a really good passer. To me, playing against really good player, you need to counter it and go right at those guys. We have to have a presence in there and make him work, whether that’s inside or out. A lot of respect to him. He plays hard and attacks the glass. He is a load in there. “... Those brothers (Sandfort) are good and really shoot the ball. Payton can drive and post you. We need to know where those kids are at all times. They can make threes.” Guard Josh Dix missed Tuesday’s contest with a wrist injury and is averaging 12.3 points and 4.0 assists a game. “We are assuming he is playing,” Calhoun said. “He can do a little bit of anything. I think he is one of their top players. We will see what happens.” Point guard Brock Harding isn’t scoring a lot (5.8 ppg), but does dish out 5.4 assists and comes up with two steals a game. “He (Harding) is one of their leaders, plays with a lot of emotion,” Calhoun said. “He was Freeman’s high school teammate. He does a great job of getting in the paint and kicking out. He does a great job defensively and a great job running their team.” Iowa has been getting production off the bench in forward Seydou Traore and guard Drew Thelwell, who average 9.7 and 8.4 ppg, respectively. Thelwell, a transfer from Morehead State, is also averaging 4.0 assists a game. “Thelwell is a very good player,” Calhoun said.

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WASHINGTON — The House passed a $895 billion measure Wednesday that authorizes a 1% increase in defense spending this fiscal year and would give a double-digit pay raise to about half of the enlisted service members in the military. The bill is traditionally strongly bipartisan, but some Democratic lawmakers opposed the inclusion of a ban on transgender medical treatments for children of military members if such treatment could result in sterilization. The bill passed by a vote of 281-140 and next moves to the Senate, where lawmakers sought a bigger boost in defense spending than the current measure allows. The Pentagon and the surrounding area is seen Jan. 26, 2020, from the air in Washington. Lawmakers are touting the bill's 14.5% pay raise for junior enlisted service members and a 4.5% increase for others as key to improving the quality of life for those serving in the U.S. military. Those serving as junior enlisted personnel are in pay grades that generally track with their first enlistment term. People are also reading... Lawmakers said service member pay failed to remain competitive with the private sector, forcing many military families to rely on food banks and government assistance programs to put food on the table. The bill also provides significant new resources for child care and housing. "No service member should have to live in squalid conditions and no military family should have to rely on food stamps to feed their children, but that's exactly what many of our service members are experiencing, especially the junior enlisted," said Rep. Mike Rogers, R-Ala., chairman of the House Armed Services Committee. "This bill goes a long way to fixing that." The bill sets key Pentagon policy that lawmakers will attempt to fund through a follow-up appropriations bill. The overall spending tracks the numbers established in a 2023 agreement that then-Speaker Kevin McCarthy, R-Calif., reached with President Joe Biden to increase the nation's borrowing authority and avoid a federal default in exchange for spending restraints. Many senators wanted to increase defense spending about $25 billion above what was called for in that agreement, but those efforts failed. Sen. Roger Wicker, R-Miss., who is expected to serve as the next chairman of the Senate Armed Services Committee, said the overall spending level was a "tremendous loss for our national defense," though he agreed with many provisions in the bill. "We need to make a generational investment to deter the Axis of Aggressors. I will not cease work with my congressional colleagues, the Trump administration, and others until we achieve it," Wicker said. Sen. Roger Wicker, R-Miss., speaks with reporters Nov. 21 on Capitol Hill in Washington. House Republicans don't want to go above the McCarthy-Biden agreement for defense spending and are looking to go way below it for many nondefense programs. They are also focused on cultural issues. The bill prohibits funding for teaching critical race theory in the military and prohibits TRICARE health plans from covering gender dysphoria treatment for children under 18 if that treatment could result in sterilization. Rep. Adam Smith of Washington state, the ranking Democratic member of the House Armed Services Committee, said minors dealing with gender dysphoria is a "very real problem." He said the treatments available, including puberty blockers and hormone therapy, proved effective at helping young people dealing with suicidal thoughts, anxiety and depression. "These treatments changed their lives and in many cases saved their lives," Smith said. "And in this bill, we decided we're going to bar service members' children from having access to that." Smith said the number of minors in service member families receiving transgender medical care extends into the thousands. He could have supported a study asking medical experts to determine whether such treatments are too often used, but a ban on health insurance coverage went too far. He said Speaker Mike Johnson's office insisted on the ban and said the provision "taints an otherwise excellent piece of legislation." Rep. Chip Roy, R-Texas, called the ban a step in the right direction, saying, "I think these questions need to be pulled out of the debate of defense, so we can get back to the business of defending the United States of America without having to deal with social engineering debates." Smith said he agrees with Roy that lawmakers should be focused on the military and not on cultural conflicts, "and yet, here it is in this bill." House Minority Leader Hakeem Jeffries, D-N.Y., responds to reporters Dec. 6 during his weekly news conference at the Capitol in Washington. Rep. Hakeem Jeffries, the House Democratic leader, said his team did not tell Democrats how to vote on the bill. "There's a lot of positive things in the National Defense Authorization Act that were negotiated in a bipartisan way, and there are some troubling provisions in a few areas as well," Jeffries said. The defense policy bill also looks to strengthen deterrence against China. It calls for investing $15.6 billion to build military capabilities in the Indo-Pacific region. The Biden administration requested about $10 billion. On Israel, the bill, among other things, includes an expansion of U.S. joint military exercises with Israel and a prohibition on the Pentagon citing casualty data from Hamas. The defense policy bill is one of the final measures that lawmakers view as a must-pass before making way for a new Congress in January. U.S. Troops Face Mounting Threats from Predatory Debt Collectors U.S. Troops Face Mounting Threats from Predatory Debt Collectors Rising threats from debt collectors against members of the U.S. armed forces are undermining national security, according to data from the Consumer Financial Protection Bureau (CFPB), a federal watchdog that protects consumer rights. To manage the impact of financial stress on individual performance, the Defense Department dedicates precious resources to improving financial literacy, so service members know the dangers of notorious no-credit-check loans. “The financial well-being of service members and their families is one of the Department’s top priorities,” said Andrew Cohen, the director of financial readiness in the Office of the Deputy Assistant Secretary of Defense at the Pentagon. But debt collectors are gaining ground. Last quarter, debt collection complaints by U.S. military service members increased 24% , and attempts to collect on “debts not owed” surged 40%. Complaints by service members against debt collectors for deceptive practices ballooned from 1,360 in the fourth quarter of 2023 to 1,833 in the first quarter of 2024. “There’s a connection between the financial readiness and the readiness of a service member to perform their duty,” said Jim Rice, Assistant Director, Office of Servicemember Affairs at the Consumer Financial Protection Bureau. Laws exist to protect the mission readiness of U.S. troops from being compromised by threats and intimidation, but debt collectors appear to be violating them at an alarming pace. “If they’re threatening to call your commander or get your security clearance revoked, that’s illegal,” says Deborah Olvera, financial readiness manager at Wounded Warriors Project, and a military spouse who’s been harassed herself by a collection agency that tried to extort money from her for a debt she didn’t owe. But after she requested the name of the original creditor, she never heard from them again. “The financial well-being of service members and their families is one of the Department’s top priorities.” —Andrew Cohen, Director of Financial Readiness at the Pentagon Under the Fair Debt Collection Practices Act, it’s illegal for debt collectors to threaten to contact your boss or have you arrested because it violates your financial privacy. The FDCPA also prohibits debt collectors from making false, deceptive, or misleading representations in connection with the collection of a debt, even for borrowers with bad credit scores. But according to the data, debt collectors are increasingly ignoring those rules. “Debt collection continues to be one of the top consumer complaint categories,” said a spokesperson at the Federal Trade Commission. The commission released a report earlier this year revealing that consumers were scammed $10 billion in 2023, a new benchmark for fraud losses. In his book Debt: The First 5,000 Years, David Graeber argues that debt often creates a relationship that can feel more oppressive than systems of hierarchy, like slavery or caste systems because it starts by presuming equality between the debtor and the creditor. When the debtor falls into arrears, that equality is then destroyed. This sense of betrayal and the subsequent imbalance of power leads to widespread resentment toward lenders. Most Menacing Loan Messengers Photo Credit: Olena Yakobchuk / Shutterstock The debt collector reportedly harassing military service members most was Resurgent Capital Services, a subsidiary of collection giant Sherman Financial Group. The company tacks on accrued interest and junk fees and tries to collect on debts purchased for pennies on the dollar from cable companies, hospitals, and credit card companies, among others. Sherman Financial Group is run by billionaire Benjamin Navarro, who has a reported net worth of $1.5 billion, according to Forbes. Sherman Financial also owns subprime lender Credit One Bank and LVNV Funding, which outsource collections to Resurgent Capital. According to CFPB data, the second worst offender is CL Holdings, the parent company of debt-buyer Jefferson Capital Systems. The company has also been named in numerous complaints to the Better Business Bureau for alleged violations of the FDCPA, such as failing to properly validate debts or update credit reports with accurate information. Under the leadership of CEO David Burton, Jefferson Capital Systems is a wholly-owned subsidiary of CompuCredit Corporation, which markets subprime credit cards under the names Aspire, Majestic, and others. The third most referenced debt collector is publicly traded Portfolio Recovery Associates [NASDAQ: PRAA], which was forced to pay $27 million in penalties for making false representations about debts, initiating lawsuits without proper documentation, and other violations. Portfolio Recovery Associates is run by CEO Vikram Atal. Fourth place for alleged worst offender goes to Encore Capital Group [NASDAQ ECPG], which was required to pay $42 million in consumer refunds and a $10 million penalty for violating the Fair Debt Collection Practices Act. Encore collects under its subsidiary Midland Credit Management Group. These debt collectors all operate under a veritable shell game of company and brand names, almost none of which are disclosed on their websites, sending consumers on a wild goose chase to try and figure out how they’re related to each other. But despite their attempts to hide their tracks behind a smoke screen of subsidiaries, a leopard can’t change its spots, and the CFPB complaint database makes it harder for them to try. Loan Harassment Hotspots Photo Credit: Bumble Dee / Shutterstock Although widely considered a consumer-friendly state, complaints spiked most in California, which saw a 188% increase in complaints filed from the fourth quarter of 2023 to the first quarter of 2024. California is home to 157,367 military personnel, making it the most populous state for active-duty service members. The second-largest increase in debt collection complaints was in Texas, which saw a 66% jump from the fourth quarter of 2023 to the first quarter of 2024. The U.S. Department of Defense reports 111,005 service members stationed in the Lone Star State, which is the third-most populous state for active-duty military. The rising trends do not correlate to the number of military personnel by state. Complaints against debt collectors in Virginia, the second most populous state with 126,145 active duty personnel, decreased by 29% in the same quarter-over-quarter period. And complaints filed quarter-over-quarter in North Carolina, the fifth most populous state with 91,077 military personnel, decreased by 3% in the same period. The third largest percentage increase in debt collection complaints was from service members stationed in Maryland, where alleged harassment reports jumped 112% from the fourth quarter of 2023 to the first quarter of 2024. Maryland ranks number 12 with just 28,059 active duty service members. Fourth place goes to Ohio – the 28th most populous active-duty state – where complaints doubled, followed by Arizona – the 15th most populous military state – where complaints were up 70% in the same quarter-over-quarter period. Billionaire Bets on Bad Credit Photo Credit: PeopleImages.com - Yuri A / Shutterstock In 2007, Congress passed the Military Lending Act to cap the cost of credit to a 36% annual percentage rate, inclusive of junk fees and late charges, for active duty military service members. That rate is still considerably higher than average credit card rates, which range from 8% for borrowers with excellent credit scores to as high as 36% for borrowers with bad credit. But lenders still get hauled into court for violating the MLA. Don Hankey, the billionaire subprime auto lender who funded Donald Trump’s $175 million appeal bond , is among those violators. His company, Westlake Financial, which markets high-interest car loans for bad credit, has been sued twice by the Department of Justice for harassing military service members. In 2017, the DoJ alleged Hankey’s Westlake Financial illegally repossessed at least 70 vehicles owned by military service members. Westlake Financial paid $700,000 to settle the charges. In 2022, Westlake Financial paid $250,000 for allegedly cheating U.S. troops out of interest rates they were legally entitled to. Westlake Financial continues to receive complaints from military service members alleging abusive debt collection practices on its no-credit-check loans. A steady year-over-year increase in the number of complaints filed against Westlake Financial continued from 2020 to 2023. Consumer Financial Protection Bureau data shows a 13% increase in the number of complaints against the company from 2020 to 2021, a 28% increase from 2021 to 2022, and a torrential 119% surge from 2022 to 2023. The numbers suggest systemic complaint-handling processes and inadequate customer service resources. Lenders Try to Shutter CFPB Photo Credit: Cynthia Shirk / Shutterstock On May 16, 2024, a deceptively named predatory lending industry front group dubbed the Community Financial Services Association of America (CFSA) lost a legal attempt to defund the Consumer Financial Protection Bureau. In an effort to deprive Americans of essential consumer protections, the lobby group argued that the Consumer Financial Protection Bureau’s funding structure was unconstitutional. But the Supreme Court denied its claim. In a 7-2 ruling, the Court held that the Consumer Financial Protection Bureau’s funding structure is indeed constitutional. That means the Consumer Financial Protection Bureau cannot be defunded, but it does not mean the agency cannot be defanged. The New York Times suggested that Hankey’s incentive to finance Trump’s $175 million bond could have been a reciprocity pledge to neuter the Consumer Financial Protection Bureau if Trump wins the upcoming U.S. presidential election. If Trump wins a second term, he could replace Consumer Financial Protection Bureau director Rohit Chopra, an American consumer advocate, with a predatory lending advocate. In 2020, the Trump Administration secured a Supreme Court ruling that made it easier for the president to fire the head of the Consumer Financial Protection Bureau. The ruling struck down previous restrictions on when a president can fire the bureau’s director. Like other federal agencies, the Consumer Financial Protection Bureau has also been confronted for overstepping its bounds, pushing too far, and acting unfairly against entities it regulates. Holidays, Interest Rates Not to Blame Photo Credit: Lux Blue / Shutterstock Seasonality and rising interest rates do not explain the increase in debt collection complaints from service members. The surge in complaints is not tied to predictable seasonal fluctuations or changes in interest rates. The increase in debt collection complaints by service members may point to underlying systemic issues, such as aggressive and predatory debt collection practices that exploit the unique financial vulnerabilities of service members, who face frequent relocations and deployments. Debt Complaints by Service Members The 24% spike in debt collection complaints exhibits no correlation to fluctuations in interest rates. 30-Year Fixed Mortgage Rates Pandemic stimulus checks were also not a factor. COVID-19 relief benefit checks went through three major rounds during the pandemic. The final round of Economic Impact Payments went out in March 2021 . To better understand the rising trend of debt collection complaints, we calculated the increase in the total number of complaints and the percentage increase quarter-over-quarter. For example, New Jersey has the second largest percentage increase in complaints quarter-over-quarter, but the total number of complaints increased by just 16. Methodology The data for this study was sourced from the Consumer Financial Protection Bureau (CFPB) complaint database. The dataset specifically targeted complaints filed by U.S. military service members, identified using the tag “Servicemember” within Q4 2023 and Q1 2024. Readers can find the detailed research methodology underlying this news story in the accompanying section here . For complete results, see U.S. Troops Face Mounting Threats from Predatory Debt Collectors on BadCredit.org . Veteran homelessness is on the rise despite government efforts—here's how it happens Veteran homelessness is on the rise despite government efforts—here's how it happens Homelessness reached record levels in 2023, as rents and home prices continued to rise in most of the U.S. One group was particularly impacted: people who have served in the U.S. military. "This time last year, we knew the nation was facing a deadly public health crisis," Jeff Olivet, executive director of the U.S. Interagency Council on Homelessness, said in a statement about the 2023 numbers. He said the latest homelessness estimates from the Department of Housing and Urban Development "confirms the depth of the crisis." At least 35,000 veterans were experiencing homelessness in 2023, according to HUD. While that's about half of what it was in 2009—when the organization began collecting data—things have plateaued in recent years despite active efforts to get that number to zero. Although they make up just 6.6% of the total homeless population, veterans are more likely to be at risk of homelessness than Americans overall. Of every 10,000 Americans, 20 were experiencing homelessness. Of veterans living in the United States, that number jumps to 22, HUD data shows. Complicated by bureaucracy, family dynamics, and prejudice, the path from serving in the military to homelessness is a long one. According to a 2022 study by Yale School of Medicine researchers, homelessness typically occurs within four years of leaving the military, as veterans must contend with the harsh reality of finding a job in a world where employers struggle to see how skills on the battlefield transfer to a corporate environment. These days, veterans also deal with historically high rent and home prices, which causes many to rely on family generosity while figuring out a game plan. Stacker examined academic studies, analyzed government data, and spoke with members of the Biden administration, experts, and former members of the armed forces to see the struggles members of the military face when leaving the armed forces. Veterans struggle to find a path forward The Department of Veterans Affairs offers transition assistance to the roughly 250,000 service members who leave each year. However, those programs can be burdensome and complex to navigate, especially for those who don't have a plan for post-military life. Only a small portion of veterans have jobs lined up when they leave, according to 2019 Pew Research. Many also choose to live with relatives until they get on their feet, which can be longer than anticipated. Some former service members are unsure what kind of career they'd like to pursue and may have to get further education or training, Carl Castro, director of the Military and Veteran Programs at the Suzanne Dworak-Peck School of Social Work at the University of Southern California, told Stacker. "It takes years for that kind of transition," Castro said. Many have trouble finding a job after leaving the service, even if they are qualified. Some employers carry misconceptions about those who have served. A 2020 analysis from the journal Human Resource Management Review found that some veterans face hiring discrimination due to negative stereotypes that lead hiring managers to write them off as a poor culture fit. Underemployment, or working low-wage jobs below their skill level, is also an issue. While the unemployment rate for veterans was 3% in March 2024, a study released by Penn State at the end of 2023 found three years after leaving the service, 61% of veterans said they were underemployed because of perceived skill mismatches . This phenomenon can have long-term economic effects, and eventually, that frustration can boil over, strain relationships, and potentially lead to housing instability. Working, especially a low-wage job, is not protection against homelessness. A 2021 study from the University of Chicago found half of people living in homeless shelters and 2 in 5 unsheltered people were employed, full or part-time. Some veterans struggle to find homes in their budget High rents make it difficult to save up, even when applying for a VA loan—a mortgage backed by the Department of Veterans Affairs that typically has more favorable terms. While the VA does not require a downpayment, some lenders, who ultimately provide the loan, do. They're not entirely risk-free either, and veterans can still lose their homes if they are unable to keep up with their mortgages. In November 2023, the VA put a six-month pause on foreclosures when an NPR investigation found thousands of veterans were in danger of losing their homes after a COVID forbearance program ended. Biden officials pointed to high rents and the end of COVID-era housing restrictions like eviction moratoriums to explain the spike in Americans experiencing homelessness. In the last year, homelessness rose 12%—to more than 650,000 people—the highest level since data began being collected in 2007. Overall, more than half of people experiencing homelessness in 2023 live in states with high living costs. Most were in California, followed by New York and Florida. Western states, including Montana and Utah, experienced massive population growth during the pandemic, becoming hubs for remote workers who drove home prices and rents even further. Vets with mental health issues most at risk for homelessness For veterans, housing costs certainly play a role, but those who leave the military also face systemic barriers. "It's worrying there are people that continue to fall through the cracks," said Jeanette Yih Harvie, a research associate at Syracuse University's D'Aniello Institute for Veterans and Military Families. Just under a quarter of adults experiencing homelessness have a severe mental illness , according to 2022 HUD survey data. They are also likely to have chronic illnesses but are unable to maintain preventative care, which only exacerbates these problems. Veterans facing homelessness are more likely to have experienced trauma , either before or after joining the military, according to Yale researchers who analyzed the 2019-2020 National Health and Resilience in Veterans Study. Childhood trauma was among the most significant commonalities among vets who become homeless. Substance use disorder is also widespread and can indicate an undiagnosed mental illness . Racial and ethnic disparities are at play, too. A 2023 study in the Journal of Psychiatric Research showed that Hispanic and Black veterans were more likely to screen positive for PTSD, and Hispanic veterans were more likely to report having suicidal ideation. Overall, access to mental health care has improved in the last decade or so. In December 2023, the VA announced it would open nine additional counseling centers. However, the stigma of getting help remains, especially after years of being conditioned to be self-reliant and pull oneself up by their bootstraps. That help, in the form of public policy, is slowly working to catch up to the need. In 2023, the Biden administration invested millions into research programs and studies on suicide prevention by the VA office in addition to a proposed $16 billion to improve quality and lower-cost mental health care services for veterans. And, in February of this year, HUD and the VA announced they would give up to $14 million in vouchers to public housing agencies for veterans experiencing homelessness. The program would also offer case management and other services. Still, with a culture that pushes people to keep going, it can be challenging for servicemembers to take advantage of these opportunities, Harvie said. "When you've been doing that for the last 15 or 20 years, it's difficult to stop and say, 'I'm the person that needs help.'" Story editing by Kelly Glass. Copy editing by Kristen Wegrzyn. Get Government & Politics updates in your inbox! Stay up-to-date on the latest in local and national government and political topics with our newsletter.Bangladesh's future depends on creating a knowledge-driven economy, and new businesses require a supportive environment to succeed alongside funding, which can come in the form of venture capital and private equity, said speakers at a discussion recently. Venture capital is a type of financing for promising startups in exchange for ownership stakes. Private equity is also a type of investment involving purchasing an interest in a mature company that is not publicly traded on a stock exchange. Obstacles in the process of appropriate asset valuation and a dearth of relevant service providers hinder access to finance, they said. For instance, tech companies are having trouble with the valuation audit process since their assets are in the intellectual form, they added. The situation is complicated by the fact that the financing industry lays special emphasis on safe investment and revenue return, the speakers said. For prospective small and medium enterprises and startups, venture capital and private equity may be the most suitable alternative source of financing outside of banks, they said. "Businesses developing intellectual property should not concentrate on valuing physical assets because banks rely on this information to secure their loans," said Ashraf Ahmed, president of the Dhaka Chamber of Commerce and Industry (DCCI). "As business owners, we should concentrate on conquering our own obstacles while adhering to current legal restrictions, both as growth investors and as financers of innovation," he said. Ahmed was addressing a discussion on "Connecting Innovative SMEs and Startups with Private Equity & Venture Capital Firms for Bridging Financing Gap" organised by the DCCI on its premises. It is necessary to make venture capital and private equity more widely known to small businesses in Bangladesh since the demand exists while innovation was coming about, he said. The industry requires a supportive legislative environment in order to expand, said Mohammad Abdul Momen, a former director of the University of Dhaka's Institute of Business Administration. He stated that the emergence of numerous creative startups was encouraging and for the benefit of the economy as a whole, they must be supported right from their inception. He also urged Bangladesh's young inventors to protect their creations with patents. Mohammad Ashraf Hossain, head of compliance and company secretary at Maslin Capital Limited, Shawkat Hossain, CEO of Bangladesh Venture Capital Limited, Jasim Mohammad Miah, investment manager at X Angel Limited, and MM Ehsan Nizamee, CEO of Finager Fintech, spoke at the event. A total of eight representatives from private equity and venture capital firms alongside 14 startups and 26 SMEs participated in the event.

IRVING, Texas (AP) — The NFL will consider expanding replay assist to include facemask penalties and other plays. Officials have missed several obvious facemask penalties this season, including two in a three-week span during Thursday night games. “When we see it, because I see it like yourselves and the fans, I have an opportunity to see it from a different angle and see it from a slow-mo,” NFL executive Troy Vincent said Wednesday at the league’s winter meetings. “When you think about the position of where the officials are, things are happening so fast. Sometimes the facemask can be the same color as the gloves. There’s a lot happening. Concerning? Yes, because that’s a big miss. That’s a big foul. That’s why we would like to consider putting that for the membership to consider putting that foul category that we can see, putting that (penalty flag) on the field to help. There is a frustration, and we believe that is one category we can potentially get right.” Vikings quarterback Sam Darnold was grabbed by his facemask and brought down in the end zone to end Minnesota’s comeback attempt against the Rams on Oct. 24. But there was no call. RELATED COVERAGE Pro Picks: Eagles will beat Steelers in a close one and Bills will upset the Lions The Falcons are sticking with Kirk Cousins and may get a break thanks to a soft schedule The Vikings and their in-gear offense will be a tough team to outscore moving forward On Oct. 3, officials missed a facemask on Buccaneers running back Bucky Irving while he ran for 7 yards late in the fourth quarter. Tampa Bay instead was called for holding on the play, got forced out of field-goal range and Kirk Cousins rallied the Falcons to an overtime victory. “That is one this year, the facemask seems like it was the obvious one” Vincent said. “That keeps showing up.” Vincent also cited hits on a defenseless player, tripping, the fair catch, an illegal batted ball, an illegal double-team block, illegal formations on kickoffs and taunting as other areas that warrant consideration for replay assist. The AP Top 25 college football poll is back every week throughout the season! Get the poll delivered straight to your inbox with AP Top 25 Poll Alerts. Sign up here . Current rules only allow replay assist to help officials pick up a flag incorrectly thrown on the field, or in assisting proper enforcement of a foul called on the field. The NFL’s Competition Committee will review potential recommendations for owners to vote on for expanding replay assist. Low blocks Vincent was emphatic about the league’s desire to eliminate low blocks that could lead to serious injuries. “The low block below the knee needs to be removed from the game,” Vincent said. “You look at high school, you look at college, too. Every block should be above the knee, but below the neck. All the work that we’ve done for the head and neck area, all the things that we’ve taken out of the game, this is the right time for us to remove the low block out of the game. Be consistent with high school. Be consistent with college. Every block should be above the knee and below the neck.” Onside kicks The league will consider changes to the onside kick after dramatically overhauling the kickoff rule on a one-year basis. “We need to look at that. That’s a dead play,” Vincent said of the onside kick’s low success rate. “That is a ceremonial play. Very low recovery rate. When we look at the kickoff and maybe where the touchback area should be during the offseason, we need to revisit the onside kick.” Options include giving the team an opportunity to run one play to gain a certain number of yards to keep possession. Commanders in RFK Stadium The Washington Commanders’ search for a new stadium site includes options in Maryland, Virginia and the District of Columbia, and work has escalated on one in particular. NFL Commissioner Roger Goodell and controlling owner Josh Harris met with lawmakers on Capitol Hill last week about the RFK Stadium site in Washington, which requires a bill getting through Congress to transfer the land to the District government before anything else can happen. “I think there’s a bipartisan support for this,” Goodell said, adding he’d like to see it get to a vote soon. “We hope that it will be addressed and approved so that it’s at least an alternative for the Commanders if we go forward. I grew up in Washington, and I know would be exciting for a lot of fans.” Expanding schedule The NFL continues to discuss a potential 18-game season, but would need approval from the players’ union. “We are doing analysis I would say, but we are not finalizing any plans at this point,” Goodell said. “They’ll share that analysis with the players’ union, which would need to agree to any change.” ___ AP Sports Writer Stephen Whyno contributed. ___ AP NFL: https://apnews.com/hub/nflTafara Gapare propels Maryland men’s basketball to 91-67 romp over Bucknell

WEST PALM BEACH, Fla. (AP) — An online spat between factions of Donald Trump's supporters over immigration and the tech industry has thrown internal divisions in his political movement into public display, previewing the fissures and contradictory views his coalition could bring to the White House. The rift laid bare the tensions between the newest flank of Trump's movement — wealthy members of the tech world including billionaire Elon Musk and fellow entrepreneur Vivek Ramaswamy and their call for more highly skilled workers in their industry — and people in Trump's Make America Great Again base who championed his hardline immigration policies. The debate touched off this week when Laura Loomer , a right-wing provocateur with a history of racist and conspiratorial comments, criticized Trump’s selection of Sriram Krishnan as an adviser on artificial intelligence policy in his coming administration. Krishnan favors the ability to bring more skilled immigrants into the U.S. Loomer declared the stance to be “not America First policy” and said the tech executives who have aligned themselves with Trump were doing so to enrich themselves. Much of the debate played out on the social media network X, which Musk owns. Loomer's comments sparked a back-and-forth with venture capitalist and former PayPal executive David Sacks , whom Trump has tapped to be the “White House A.I. & Crypto Czar." Musk and Ramaswamy, whom Trump has tasked with finding ways to cut the federal government , weighed in, defending the tech industry's need to bring in foreign workers. It bloomed into a larger debate with more figures from the hard-right weighing in about the need to hire U.S. workers, whether values in American culture can produce the best engineers, free speech on the internet, the newfound influence tech figures have in Trump's world and what his political movement stands for. Trump has not yet weighed in on the rift, and his presidential transition team did not respond to a message seeking comment. Musk, the world's richest man who has grown remarkably close to the president-elect , was a central figure in the debate, not only for his stature in Trump's movement but his stance on the tech industry's hiring of foreign workers. Technology companies say H-1B visas for skilled workers, used by software engineers and others in the tech industry, are critical for hard-to-fill positions. But critics have said they undercut U.S. citizens who could take those jobs. Some on the right have called for the program to be eliminated, not expanded. Born in South Africa, Musk was once on an a H-1B visa himself and defended the industry's need to bring in foreign workers. “There is a permanent shortage of excellent engineering talent," he said in a post. “It is the fundamental limiting factor in Silicon Valley.” Trump's own positions over the years have reflected the divide in his movement. His tough immigration policies, including his pledge for a mass deportation, were central to his winning presidential campaign. He has focused on immigrants who come into the U.S. illegally but he has also sought curbs on legal immigration , including family-based visas. As a presidential candidate in 2016, Trump called the H-1B visa program “very bad” and “unfair” for U.S. workers. After he became president, Trump in 2017 issued a “Buy American and Hire American” executive order , which directed Cabinet members to suggest changes to ensure H-1B visas were awarded to the highest-paid or most-skilled applicants to protect American workers. Trump's businesses, however, have hired foreign workers, including waiters and cooks at his Mar-a-Lago club , and his social media company behind his Truth Social app has used the the H-1B program for highly skilled workers. During his 2024 campaign for president, as he made immigration his signature issue, Trump said immigrants in the country illegally are “poisoning the blood of our country" and promised to carry out the largest deportation operation in U.S. history. But in a sharp departure from his usual alarmist message around immigration generally, Trump told a podcast this year that he wants to give automatic green cards to foreign students who graduate from U.S. colleges. “I think you should get automatically, as part of your diploma, a green card to be able to stay in this country," he told the “All-In" podcast with people from the venture capital and technology world. Those comments came on the cusp of Trump's budding alliance with tech industry figures, but he did not make the idea a regular part of his campaign message or detail any plans to pursue such changes.

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