cost

United States President Donald Trump’s tariffs are headed to the Supreme Court, as Washington and New Delhi pursue a trade deal. On the ground in India, export hubs are seeing cancelled orders, layoffs, and falling pay rates. As uncertainty deepens, what does this mean for factory workers?

FREDERICKSBURG, Va. — If there’s agreement on anything in the two states with governor’s races this year, it’s that utility bills are a growing concern among voters.

One Virginia voter, Kim Wilson, lamented at a town hall recently that her electricity bill seems to go up every month, no matter how much she tries to mitigate the costs. She was drawn to the event in part by its title: “The energy bills are too damn high.”

“It’s way too high,” Wilson readily agreed.

In New Jersey, Herb Michitsch of Kenilworth said his electric bill has climbed to nearly $400 a month, or more than four times what it was when he and his wife moved into their home half a century ago.

“Something really has to be done,” Michitsch said.

That something must be done is pretty much where the agreement ends. It’s what must be done that splits politicians back into rival camps.

Democratic candidates in the two states are far more likely to embrace clean energy options like wind and solar than their Republican opponents. The two states’ Republican nominees are more closely aligned with the policies of President Trump, who has called climate change a “con job” and promotes more traditional energy sources like gas and coal. New Jersey Republican nominee Jack Ciattarelli has acknowledged that human-caused climate change is occurring, but he says Democrats have driven up costs with their clean energy push.

Which side voters land on in the off-year elections will give both parties plenty to consider in what feels destined to be an emerging economic issue heading into next year’s midterm elections.

At a recent rally in New Jersey, Democratic state Sen. Vin Gopal made clear that he stood with Democratic nominee Mikie Sherrill in support of her plans to lower costs. But Gopal acknowledged that the outcome could signal whether voters are ready to embrace the president’s approach or have simply grown weary of national politics.

“The whole country is watching what happens,” he said.

Technology drives up costs

The debate comes as people in the two states grapple with double-digit percentage increases in monthly electricity bills. The exploding costs are driven by soaring demand, particularly from data centers, and by the rapid onset of energy-intensive artificial intelligence technology. Virginia’s largest energy utility also has linked potential future rate increases to inflation and other costs.

In Virginia’s open race to succeed a term-limited GOP incumbent, Democrat Abigail Spanberger and Republican Lt. Gov. Winsome Earle-Sears are at odds over the development of renewable energy sources.

Spanberger has laid out a plan to expand solar and wind production in underused locations, praising a wind project off the coast of Virginia Beach. In a debate against her opponent, she also said she would “ensure that data centers pay their fair share” as costs rise. The state is home to the world’s largest data center market,

Republican Winsome Earle-Sears wasn’t having it.

“That’s all she wants, is solar and wind,” Earle-Sears said of Spanberger at the debate. “Well, if you look outside, the sun isn’t shining and the breeze isn’t blowing, and then what, Abigail, what will you do?”

In New Jersey, where Ciattarelli’s endorsement by Trump included recent social media posts praising his energy affordability plans, the GOP nominee blames rising costs on eight years of Democratic control of state government.

Ciattarelli says he would pull New Jersey out of a regional greenhouse gas trading bloc, which Democratic incumbent Gov. Phil Murphy reentered when he first took office in 2018.

“It’s been a failure,” Ciattarelli said at the final debate of the campaign. “Electricity is at an all-time high.”

He’s also come out as a strident opponent of wind energy off the state’s coast, an effort Democrats spearheaded under Murphy. A major offshore wind project ground to a halt when the Danish company overseeing it scrapped projects, citing supply chain problems and high interest rates.

At the center of Sherrill’s campaign promise on the issue is an executive order to freeze rates and build cheaper and cleaner power generation.

“I know my opponent laughs at it,” Sherrill said recently.

A growing concern among voters

The candidates’ focus on affordability and utility rates reflects an unease among voters. A recent Associated Press-NORC Center for Public Affairs Research poll found electricity bills are a “major” source of stress for 36% of U.S. adults, at a time when data center development for AI could further strain the power grid.

Perhaps that’s why the statewide races have become something of an energy proxy battle in Virginia. Clean Virginia, a clean energy advocacy group that targets utility corruption, has backed all three Democratic candidates for statewide office in Virginia — a first for the organization. GOP statewide candidates, meanwhile, have accepted money from Dominion Energy, the largest electric utility in Virginia.

To further complicate an already complex issue: Virginia has passed the Virginia Clean Economy Act, which calls for utilities to sunset carbon energy production methods by 2045.

Republican House Minority Leader Terry Kilgore, who represents the southwest edge of Virginia, had failed to alter part of the state’s Clean Economy Act earlier this year. Kilgore, whose top donor is Dominion Energy, said in February: “If their bills go any higher, there are folks in my region that are not able to pay them now, they’re definitely not going to be able to pay them in the future.”

Evan Vaughn, executive director of MAREC Action, a group of Mid-Atlantic renewable energy developers, said candidates from both parties are in a tough spot because bringing down prices quickly will be difficult given broader market dynamics.

“Voters should look to which candidate they think can do the best to stabilize prices by bringing more generation online,” he said. “That’s really going to be the key to affordability.”

Michitsch, who’s backing Sherrill in the governor’s race and said he would campaign for her, said her proposal shows she’s willing to do something to address spiraling costs.

“We need to change,” he said. “And I think she is here to change things.”

Diaz and Catalini write for the Associated Press.

Los Angeles mayoral candidate Austin Beutner took aim at the rising cost of basic city services Thursday, saying Mayor Karen Bass and her administration have contributed to an affordability crisis that is “crushing families.”

Beutner, appearing outside Van Nuys City Hall, pointed to the City Council’s recent decision to increase trash collection fees to nearly $56 per month, up from $36.32 for single-family homes and duplexes and $24.33 for three- and four-unit apartment buildings.

Since Bass took office in December 2022, the city also hiked sewer service fees, which are on track to double over a four-year period. In addition, Beutner said, the Department of Water and Power pushed up the cost of water and electrical service by 52% and 19%, respectively.

“I’m talking about the cost-of-living crisis that’s crushing families,” he said. “L.A. is a very, very special place, but every day it’s becoming less affordable.”

Beutner, speaking before a group of reporters, would not commit to rolling back any of those increases. Instead, he urged Bass to call a special session of the City Council to explain the decisions that led to the increases.

“Tell me the cost of those choices, and then we can have an informed conversation as to whether it was a good choice or a bad choice — or whether I’d make the same choice,” said Beutner, who has worked as superintendent of L.A. schools and as a high-level deputy mayor.

When the City Council took up the sewer rates last year, sanitation officials argued the increase was needed to cover rising construction and labor costs — and ramp up the repair and replacement of aging pipes.

This year sanitation officials also pushed for a package of trash fee hikes, saying the rates had not increased in 17 years. They argued that the city’s budget has been subsidizing the cost of residential trash pickup for customers in single-family homes and small apartments.

Doug Herman, spokesperson for the Bass reelection campaign, defended the trash and sewer service fee increases, saying both were long overdue. Bass took action, he said, because previous city leaders failed to make the hard choices necessary to balance the budget and fix deteriorating sewer pipes.

“Nobody was willing to face the music and request the rate hikes to do that necessary work,” he said.

DWP spokesperson Michelle Figueroa acknowledged that electrical rates have gone up. However, she said in an email, the DWP’s residential rates remain lower than other utilities, including Southern California Edison and San Diego Gas & Electric.

By focusing on cost-of-living concerns, Beutner’s campaign has been emphasizing an issue that is at the forefront of next week’s election for New York City mayor. In that contest, State Assembly member Zohran Mamdani has promised to lower consumer costs, in part by freezing the rent for rent-stabilized apartments and making rides on city buses free.

Since announcing his candidacy this month, Beutner has offered few cost-of-living policy prescriptions, other than to say he supports “in concept” Senate Bill 79, a newly signed state law that allows taller, denser buildings to be approved near public transit stops. Instead, he mostly has derided a wide array of increases, including a recent hike in parking rates.

Beutner contends that the city’s various increases will add more than $1,200 per year to the average household customer’s bill from the Department of Water and Power, which includes the cost not just of utilities but also trash removal and sewer service.

Herman pushed back on that estimate, saying it relies on “flawed assumptions,” incorporating fees that apply to only a portion of ratepayers.

In a new campaign video, Beutner warned that city leaders also are laying plans to more than double what property owners pay in street lighting assessments. He also accused the DWP of relying increasingly on “adjustment factors” to increase the amount customers pay for water and electricity, instead of hiking the base rate.

The DWP needs to be more transparent about those increases and why they were needed, Beutner said.

Was Edgardo Henriquez the best option to pitch to Vladimir Guerrero Jr. in the seventh inning with two outs and runners on the corners?

Maybe, maybe not.

And that was the problem.

The problem was that Dodgers manager Dave Roberts didn’t have a choice that was clearly better than to place the game in the hands of a hard-throwing but unreliable 23-year-old rookie.

Henriquez walked Guerrero on a 99.9-mph fastball that sailed into the opposite batter’s box, evading the grasp of catcher Will Smith and allowing Addison Barger to score.

A manageable two-run deficit was now three and about to become four.

The Dodgers were on their way to a 6-1 loss to the Toronto Blue Jays on Wednesday night, the Game 5 result placing them at a three-games-to-two deficit in this World Series.

For Roberts, that seventh inning didn’t represent a manager’s nightmare. That was a manager’s night terror.

What else could Roberts do?

Stick with starting pitcher Blake Snell? Snell had already pitched to Guerrero three times and his pitch count was at 116.

Use closer Roki Sasaki as a fireman? He’s their only dependable reliever and Roberts wasn’t about to use him in a non-elimination game in which his team was down.

Turn to last year’s postseason hero Blake …? Never mind, that question isn’t even worth being asked in its entirety.

“It’s hard because you can only push a starter so much,” Roberts said. “I thought Blake emptied the tank.”

The Dodgers somehow concealed their piñata of a bullpen in the three previous rounds of the postseason, but that bullpen is now catching up with them.

Reversing their series deficit will almost certainly require some of their starters to pitch in unfamiliar roles over the next two games, including Shohei Ohtani as an opener on three days’ rest in a potential Game 7.

Snell figures to be a candidate to also pitch in Game 7, perhaps as a middle reliever. Tyler Glasnow is expected to be available out of the bullpen in at least one of the two remaining games.

Besides Sasaki, the relievers can’t be trusted.

In each of the team’s three losses in this series, the games turned when the starting pitcher was removed with men on base. In all three instances, the bullpen made a mess of the game, allowing the inherited runners to score.

“You look at the three games that we lost, it spiraled on us with guys on base,” Roberts said. “Guys got to be better.”

They can’t.

This reality makes the bullpen’s heroic performance in the 18-inning victory in Game 3 all the more miraculous. The Dodgers are fortunate this series isn’t already over.

The construction of this particular bullpen has to be one of the greatest front-office blunders in franchise history, as it could cost the team a World Series in a season in which it has Ohtani, Freddie Freeman and a billion-dollar rotation.

How did this happen?

Start with Tanner Scott and Kirby Yates. The Dodgers committed a combined $85 million to the two relievers and neither of them is even on the roster.

Look at the injured list. Brusdar Graterol missed the entire season with shoulder problems. Evan Phillips underwent Tommy John surgery.

Finally, examine what the Dodgers didn’t do at the trade deadline. Everyone — and by everyone, I mean everyone except Andrew Friedman’s front office — knew they were in desperate need of bullpen help. Counting on some internal solutions working out, the only reliever they acquired was Brock Stewart. The notoriously brittle Stewart went down with a shoulder injury and didn’t pitch in the postseason.

What the Dodgers did was the baseball equivalent of building a breathtaking mansion but forgetting to install any toilets.

Now, the entire residence stinks, the Dodgers one loss away from losing a World Series that should be theirs.

TORONTO — Yes, blame the bullpen. Not gonna even try to persuade you otherwise.

But, for the Dodgers, the blame for the disaster that was Game 1 of the World Series should not all fall upon the bullpen.

A star-studded lineup that sputtered through the previous two rounds of the playoffs sputtered again here Friday, this time without the cover of outstanding starting pitching.

In their past nine games — the division series against the Philadelphia Phillies, the league championship series against the Milwaukee Brewers, and the World Series opener against the Toronto Blue Jays — the Dodgers are batting .219.

The Dodgers had seven hits in their NLCS opener, when Blake Snell threw eight shutout innings. He picked up the offense.

They had six hits in the World Series opener, when Snell gave up five runs in five-plus innings, and they could not pick him up.

The Blue Jays scored 11 runs. The Dodgers led the National League in runs during the regular season, but even then they have scored at least 11 runs just three times since the All-Star break. The Blue Jays have done it three times in this postseason alone.

“You can make it something if you want to make it something,” shortstop Mookie Betts said. “We’re more than capable of scoring 10, 11 in a game. It’s just hard to do in the postseason.

“Obviously, they just did it. They’ve been doing it the whole time, so it may not be hard for them. For us, we haven’t done it. But we’ll find out ways to win games.”

Dodgers shortstop Mookie Betts reacts during an at-bat in the first inning against the Toronto Blue Jays in Game 1 of the World Series on Friday night.

(Robert Gauthier / Los Angeles Times)

They had better find it soon. The Blue Jays are averaging seven runs per game in the postseason. The Dodgers have not scored seven runs in any game in the NLDS, NLCS or World Series.

“You look back at the last couple of weeks, there’s some pivotal at-bats that can flip games,” Dodgers manager Dave Roberts said. “At times, I think that the offense looks great as far as building innings, but there’s some key at-bats that you got to win pitches and use the other side of the field, get a hit, take a walk, whatever it might be.

“I think that we can be better. We need to be better.”

The Dodgers had three hits in seven at-bats with runners in scoring position, which sounds pretty good until you realize all seven of those at-bats came in the second and third innings.

In the third inning, three of their final four batters hit with a runner in scoring position, and they scored once. But the second inning was worse: they had the bases loaded with one out for three successive batters, and again they scored once.

“We’ve got to cash in in that situation, especially against a team like that that’s swinging it really well,” Betts said. “I feel like that was a big point in the game that really changed things.

“That really changed the game.”

The Dodgers struck out 13 times, the Blue Jays four. The Jays ran their high-contact, low-strikeout offense to perfection Friday. The Dodgers led the NL in home runs this season, and they hit 50 more than Toronto, but they hit only one home run Friday: a two-run shot from Shohei Ohtani, with the team down by nine runs.

The Blue Jays’ starting pitcher for Game 2, Kevin Gausman, has a long memory. On Friday, he thought back to Oct. 14, 2021.

That was the day the Dodgers eliminated the 107-win San Francisco Giants in the NLDS. Gausman, working in relief, was the final pitcher for the Giants. Max Scherzer, also working in Toronto now, was the final pitcher for the Dodgers.

The final pitch of the game: a highly debated third strike to Wilmer Flores.

“I still think about the check swing on Wilmer Flores,” Gausman said. “I don’t think it was a swing, but, you know, that’s kind of water under the bridge.”

Four years later, Gausman hasn’t forgotten. Thing is, just because the Dodgers count on getting to the World Series every year does not mean they will. If the team with three Hall of Famers atop their lineup doesn’t get its bats rolling, the Dodgers might not forget this for years to come.

A content creator and her friends were impressed by the palatial decor when they visited a café often praised as ‘the most beautiful in the world’, but there was one drawback

A content creator who went to one of the most beautiful cafés in the world loved her experience at the famous venue, but couldn’t believe the prices on the menu, especially after discovering how much a bottle of water would set her back.

Posting her financial ordeal on TikTok, Claudia Sierra and her friends revealed to her 45,000 followers on the platform the eye-popping price tags at the New York Café in the Antara New York Palace Hotel, Budapest.

The café is considered one of the most historic and luxurious cafés in the world and is beloved for its interior decoration, featuring chandeliers and frescoes. It was also a meeting point for Hungarian artists.

Discussing what she observed before she went in, Claudia said of the stunning restaurant: “Look at the coffee shop where we stopped for a cup of coffee. They can take my ribs out right here, I don’t care.

“All I see is people flipping through the menu on repeat, trying to find something reasonably priced.”

Upon flicking through the menu themselves, Claudia and her friends became shocked when they saw how much a bottle of San Pellegrino water cost, €12.50 (£10.91), a figure reflected in an online version of the menu.

A friend of Claudia’s said: “The water bottle costs 12.50 euros.”

Instead, the group opted for tap water to save a little bit of money.

Another friend added: “Oh, we’re going to have such a good breakfast! I’m crying. Thank goodness they gave us a little bit of tap water to wash down the biscuit.”

The water isn’t the only pricey item on the menu, with a cappuccino costing €11 (£9.59) and grilled ham and cheese sandwiches with sour cream flavoured salad priced at €16 (£13.95).

Claudia and her friends aren’t the first people to note how high prices can be in popular restaurants. Luxurious eateries have long been alluring for the experience of being in them, and being able to say you’ve visited.

Earlier this year, another content creator visited Sushi Kanesaka at 45 Park Lane in London, a venue which has just 13 seats at the sushi counter and is one of the UK’s most expensive restaurants.

The restaurant, which launched in 2023 and was masterminded by Shinji Kanesaka, charges around £420 per person for its set menu. So impressive is the experience, that one visitor described it as ethereal.

They wrote on Google: “The most amazing sushi I’ve ever had outside Japan. Awesome food, service and atmosphere. Only 13 sushi bar seats in entire restaurant, 9 in main and a more private 4 seater. Pricey but ethereal.”

On the expense, one diner wrote: “Yes it is expensive, however the experience is extremely intimate with only a few small sittings each night. Further to this the ingredients used are absolutely the best on offer.

“I have honestly never been served a blue lobster and the Kobe beef was certainly as good as the best wagu I have previously tried in Japan.

“The whole team was extremely professional and very attentive. The Sake pairing was again exceptional with the sommelier describing each in amazing detail.”

The scary thing about retirement is that it’s hard to know exactly how much money you’ll need to cover your costs until that period of life begins. Sure, you can estimate a budget based on certain assumptions, like where you’ll live and how you’ll spend your days. But nailing down an exact budget is pretty difficult.

Meanwhile, one of the most tricky retirement expenses to estimate is none other than healthcare. That’s because the cost there will hinge on factors like:

• How long you live
• What health issues you end up experiencing
• What Medicare plan you choose

Image source: Getty Images.

Still, it’s important to have a basic handle on what healthcare might cost you down the line. And recent data reveals that a good chunk of Americans are clueless in that regard.

Do you know what you might spend on healthcare in retirement?

In a recent report, Fidelity found that the typical 65-year-old today can expect to spend $172,500 on healthcare costs during retirement. But it also found that 20% of Americans have never thought about what healthcare might cost them down the line.

There are two reasons it’s important to plan for healthcare costs in retirement. First, it’s one expense that’s non-negotiable.

You can downsize your home if the costs of maintaining it are too high. And you can move to a state that’s cheaper if it helps you stretch your income and Social Security benefits. But you can’t not pay for healthcare. If you need a certain medication to function, you may not have a choice about taking it.

Secondly, healthcare has, for many years, outpaced broad inflation. When Fidelity first started estimating healthcare costs for retirement back in 2002, it found that the typical senior would spend $80,000 throughout their senior years. In the past two decades and change, that projection has more than doubled. And chances are, it’ll continue to climb.

Have a plan for tackling healthcare expenses

There are steps you can take to make healthcare in retirement more affordable, like going to your scheduled physicals and screening appointments to get ahead of potential issues and choosing the right Medicare plan. But there may be only so much you can do to keep your costs down.

That’s why it’s so important to save well for healthcare specifically. And while you could always boost your IRA or 401(k) plan contributions, you may want to allocate funds in a separate account specifically for healthcare.

In that regard, a health savings account, or HSA, is a great option to look at. The nice thing about HSAs is that they’re triple tax-advantaged, which means:

• Contributions go in tax-free
• Investment gains are tax-free
• Withdrawals are tax-free when used to cover qualifying healthcare expenses

Plus, HSAs are extremely flexible. You can withdraw your money at any time, and your money will never expire.

Also, if you end up in the enviable position of having lower healthcare costs in retirement than expected, your HSA won’t go to waste. When you’re under age 65, HSA withdrawals for non-medical expenses incur a steep penalty. But that penalty is waived once you turn 65, at which point an HSA can function like a traditional IRA or 401(k) plan.

Between Medicare premiums, deductibles, copays, and other expenses, you may find that healthcare in retirement costs more than expected. Read up on healthcare costs so you’re not caught off guard once your career comes to an end. Better yet, make sure you’re saving for your future healthcare needs so you never have to be in a position where you have to skimp on care because of the price tag attached to it.

Most people know that a higher credit score is better — but how much better? What does it really cost to fall just one tier below?

The average credit score in 2025 is 715, according to Motley Fool Money research. Yours might be above that, or below. And while a few points here or there may not change how lenders treat you, once the gap widens, the financial impact gets real. Especially when you’re moving between major credit tiers.

For example, a credit score of 680 sits at the lower end of the “good” range, while 740 breaks into “very good” territory. Both of these scores aren’t too far from the national average, but they unlock very different rates, terms, and perks.

1. Mortgage rates: A small score gap can cost tens of thousands

Let’s start with the biggest loan most people ever take on: a mortgage.

Suppose you’re applying for a $400,000, 30-year fixed mortgage. Here’s how your credit score might affect the interest rate you’re offered:

Data source: Author’s calculations.

Total difference: over $71,000

To be fair, a lot can change over a 30-year mortgage. If your credit score improves down the road, you may be able to refinance into a lower rate and save money over time. But this example shows just how much a lower score can impact your finances right now — especially if you’re locking in a loan with today’s rates. Even a small bump in your score before applying could lead to serious savings.

2. Auto loans: Higher monthly payments, even on smaller balances

Auto lenders are also score-sensitive. According to MyFICO, here’s the rate difference you could expect with different credit scores, based on a 60-month new car loan:

• 680 score (prime): ~9.963%
• 740 score (prime): ~6.695%

On a $35,000 car loan, that difference could cost you an extra $55 per month, and over $3,300 extra in interest over the life of the loan.

Even though both of these scores fall into the “prime” range for FICO® Scores, there’s quite a big difference in the rates that are offered.

3. Insurance premiums: A hidden cost many don’t realize

In many states, your credit score plays a role in how much you pay for car and home insurance. It doesn’t show up as an interest rate — just a higher premium.

According to Motley Fool Money research, drivers with poor credit often pay more than double what those with excellent credit are charged. Even a modest difference, like $50 more per month, can add up to over $6,000 in extra premiums over a decade.

Got good credit? You may qualify for better rates. See our top insurance carriers for people with strong credit scores.

4. Credit cards: Missed rewards and higher APRs

Most of the best credit cards (including travel cards, 0% intro APR cards, and big cash back cards) prefer applicants with higher credit scores.

That doesn’t mean you’ll be approved or denied strictly on your score (I’ve been denied for some cards even with an 800+ score). But when your score is lower your approval odds typically drop.

That also means missing out on premium rewards rates, long 0% intro APRs, or welcome bonuses worth $750 or more. These can be incredibly valuable perks. But you need the credit score to unlock them.

Raising your score is worth it

Here’s the bright side: moving from a 680 to a 740 (or higher) isn’t some impossible leap.

Many people can see a 40- to 60-point boost within a year or two by practicing good credit habits. Here are a few that make a huge difference:

• Paying down credit card balances (lowering your utilization)
• Setting autopay to never miss a due date
• Not opening or closing too many accounts at once (and keeping your oldest cards open to improve history length)
• Asking for a credit limit increases on existing cards slowly over time

By far the biggest factor is making sure your bills are paid on time, every time.

Even small tweaks can have a big payoff. The difference between “good” and “very good” credit could be tens of thousands of dollars over your lifetime.

Want to put your credit score to work? Check out our favorite credit cards for good-to-excellent credit — including top rewards cards and 0% intro APR offers.

SACRAMENTO — Gov. Gavin Newsom on Thursday announced a plan to offer $11 insulin pens through the state’s pharmaceutical venture.

Beginning Jan. 1, consumers can purchase a five-pack of pens for a suggested price of $55, according to the governor’s office. The packs will be available to California pharmacies for $45.

California is the first state in the nation to sell its own brand of generic prescription drugs as Newsom and other state leaders seek ways to drive down rising healthcare costs.

Insulin users without health insurance today can pay $400 for a small vial.

Newsom, in a statement Thursday, said that Californians shouldn’t “ration insulin or go into debt to stay alive.”

“California didn’t wait for the pharmaceutical industry to do the right thing — we took matters into our own hands,” Newsom said.

Officials hope the drug will lower costs across the board, not just for the consumers ultimately picking up the drug. Major drug companies have also cut prices on insulin, but critics contend those cost savings are passed on to other consumers.

Earlier this week, Newsom signed legislation, Senate Bill 40, capping insulin co-pays at $35 for the first time in California.

“This law ensures no family will be forced to choose between buying insulin and putting food on the table in California again,” the bill’s author, Sen. Scott Wiener (D-San Francisco), said in a statement.

Newsom, who vowed to be the “healthcare governor” during his campaign, in 2020 unveiled a proposal for California to make its own line of generic drugs.

Three years later, he announced a $50-million contract with the nonprofit generic drugmaker Civica to produce insulin under the state’s own label.

Earlier this year, the state began selling Naloxone, a medication that blocks the effects of opioids, at below market prices.

A remote island in Scotland is up for sale, and it’s costing less than a standard flat in Edinburgh as potential buyers can buy the remote land for the perfect escape

If you’ve ever dreamt of owning your own private island you may be in luck – as there is one for sale just off the coast of the UK.

The remote island located in the Outer Hebrides and is cheaper than a flat in Edinburgh. Gasker Island is approximately 71 acres and is up for sale for offers over £120,000.

The land has a stunning rocky coastline, grassland and numerous fresh water lakes and even a seal colony. It also offers panoramic views across Harris, Scarp, and Taransay and provides a stunning and unique vantage point within the Hebridean seascape.

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It’s perfect for those looking for a little peace and quiet, situated to the west of South Harris and northwest of the Isle of Taransay. However there is only one property on the island, a small unmanned lighthouse.

The lighthouse is owned and maintained by the Northern Lighthouse Board, the general lighthouse authority for Scotland and the Isle of Man. It’s also a haven for birdlife and diverse wildlife, it offers a rare environment of outstanding ecological value.

It’s five miles from the nearest inhabited island and 75 miles from any train station, but is still pretty hard to get to – as tide conditions can make it tricky to access. Landing can be achieved by small craft in one of two sheltered bays, subject to tide conditions, at Geo lar to the north or Geodha Ear to the south.

On the market with Galbraith, who are managing the sale, they say there are no services or dwellings present on the island, but there may be scope for a modest cabin or hut subject to the necessary planning permission.

The company advertised the island saying there is potential for it to become ‘a truly unique retreat’. The management company say Harris is the southern and more mountainous part of Lewis and Harris, the largest island in the Outer Hebrides.

It’s known for sandy beaches like Luskentyre and Scarista on the west coast, and for rugged mountains in the north. Harris is also the original home of the world famous Harris Tweed – luxury handwoven cloth.

Claire Acheson, handling the sale on behalf of Galbraith, said: “This is an exceptional opportunity to secure a private island in one of the most dramatic and unspoilt settings in the British Isles.

“Gasker offers not only breathtaking scenery and wildlife, but also the potential for a truly unique retreat.”

Do you have a story to share? Email [email protected]

THE World Darts Championship will return for another year of thrilling action in December!

Luke Littler is back at Ally Pally to defend his World Darts Championship title – and tickets are flying off the shelf!

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World Darts Championship 2025 tickets and prices

StubHub are offering tickets for sale for every session of the tournament, at the time of writing.

The cheapest tickets available are currently priced at £145 per person for the evening session on Thursday, December 18.

There are tickets on the site available at a range of prices.

Tickets for the final, for example, are priced from £380 at the time of writing – these are for seats on the outskirts rather than a table in the middle.

The cheapest table seats for the final start at £940 each.

For those looking for hospitality tickets, Seat Unique is offering packages – although is asking for those interested to register their interest.

There is no pricing available at the time of writing, with details expected soon.

Are tickets for the World Darts Championship still on sale?

Yes, tickets are available, but fans will have to buy from secondary ticketing sites.

PDCTV annual members were able to have first dibs at tickets during a pre-sale.

That took place on August 4 and August 5, 2025.

There was then the chance for others to put their name into a free-to-enter ticket ballot.

Registrations for the ballot opened on August 6 and then closed on August 15.

Tickets are now available on third-party ticketing sites, although the PDC have previously warned fans about purchasing tickets this way.

SACRAMENTO — Though raging thousands of miles to the east, the entrenched stalemate in Washington over federal spending and the ensuing government shutdown has thrust California’s expansive healthcare policies into the center of the pitched, partisan debate.

The Trump administration and the Republican leaders in Congress continue to use California, and the benefits the state has extended to eligible immigrants regardless of their legal status, as a cudgel against Democrats trying to extend federal subsidies for taxpayer-funded healthcare coverage.

President Trump claimed recently that Democrats “want to have illegal aliens come into our country and get massive healthcare at the cost to everybody else.” Democrats called Trump’s assertion an absolute lie, accusing Republicans of wanting to slash federal healthcare benefits to Americans in need to pay for tax breaks for the wealthy.

“California has led the nation in expanding access to affordable healthcare, but Donald Trump is ripping it away,” California Gov. Gavin Newsom said.

In return for their votes to reopen the government, Democratic leaders in Congress want to reverse Medicaid cuts made in Republicans’ tax and spending bill passed this summer and continue subsidies through the Affordable Care Act, a program long targeted by Republicans. The subsidies, which come in the form of a tax credit, help lower health insurance costs for millions of Americans.

Can immigrants in the country illegally enroll in federal healthcare programs?

No. Undocumented immigrants are ineligible for Medicaid, Children’s Health Insurance Program or Medicare, or coverage through the Affordable Care Act, according to KFF, an independent health research organization.

Rep. Kevin Mullin (D-South San Francisco) held a virtual town hall last week in which he highlighted the “misinformation” about immigrants and healthcare.

“I just want to be completely clear that federal funding does not pay for health insurance for undocumented immigrants, period,” Mullin said.

Jessica Altman, executive director of Covered California, said the debate is really over “who can benefit from the federal dollars that are flowing to all states, including California,” to help lower costs for health insurance.

Covered California serves as a marketplace exchange for state residents seeking healthcare insurance under the Affordable Care Act, widely known as Obamacare, allowing them to select from name-brand insurance providers and choose from a variety of coverage plans. The vast majority of Californians receive federal subsidies to lower their premiums, including many middle-income families who had become eligible when Congress expanded the financial assistance in 2021.

Those expanded subsidies will expire at the end of the year, and Democrats are demanding that they be extended as part of any deal to reopen the government before they vote in favor of what is known as a continuing resolution, or a temporary funding bill to keep the federal government running.

“From the very beginning, undocumented or illegal — whatever terminology you want to use — individuals were never eligible for those tax credits, never eligible for those cost-sharing reductions, and in fact, and not even eligible to come onto a marketplace and buy coverage if they paid the full costs,” Altman said.

California does offer state healthcare coverage for undocumented immigrants

Through Medi-Cal, the state’s version of the federal Medicaid program, some medical coverage is offered, regardless of immigration status. The majority of that money comes from the state.

H.D. Palmer, deputy director for external affairs at the California Department of Finance, said the cost to provide Medi-Cal to undocumented immigrants in the current fiscal year is just over $12.5 billion.

State money accounts for $11.2 billion and the remaining difference is reimbursed with federal funding because it’s used to cover emergency services, Palmer explained.

“Under current law, hospitals that receive Medicaid are required to provide emergency care, including labor and delivery, to individuals regardless of their citizenship status,” he said. “That goes back to a budget law that was approved by Congress in 1986 and signed by President Ronald Reagan.”

The 1986 law is called the Emergency Medical Treatment and Active Labor Act, and allows for emergency healthcare for all persons.

Some Republicans have raised other concerns about the state’s use of managed care organization taxes.

The MCO tax is a federally allowable Medicaid funding mechanism that imposes a tax on health insurance providers that charge fixed monthly payments for services and is based on the number of people enrolled in plans each month. The revenue from the tax can then be used to support Medicaid expenditures with federal matching funds.

Critics say California exploits a so-called loophole: By increasing the MCO tax, and subsequently bringing in more matching federal funds, California can then put more of its own state money toward healthcare for undocumented immigrants.

“We are bringing in all those additional federal dollars and then reallocating other money away so that we can provide about $9.6 billion for Medi-Cal for undocumented and illegal immigrants,” said Assemblymember David J. Tangipa (R-Fresno). “The MCO tax was never supposed to be weaponized in that process.”

White House officials also contend that California could not afford to put resources toward benefits for undocumented immigrants if it had not received the extra federal money — a claim Newsom disputes.

“What the president is saying, he’s lying,” Newsom said at a recent event. “Speaker [Mike] Johnson’s lying. They’re lying to the American people. It’s shameful. … I guess they’re trying to connect their displeasure with what California and many other states do with state resources in this space, and that is a very separate conversation.”

California is not alone in offering such healthcare to immigrants in the country illegally

A “small but growing” number of states offer state-funded coverage to certain groups of low-income people regardless of immigration status, according to KFF.

California became the first state in the nation last year to offer healthcare to all low-income undocumented immigrants, an expansion spearheaded by Newsom.

Newsom has since partially walked back that policy after the costs exceeded expectations. Starting in January, most adult Medi-Cal applications will be blocked — although current enrollees can continue to renew — and some adults will be required to pay monthly premiums. Undocumented minors under age 19, who became eligible for Medi-Cal nearly a decade ago, will not be affected by the changes.

The upcoming changes to the state’s policies and the enrollment freeze will help decrease the overall costs, which are projected to fall to about $10.1 billion during the next fiscal year, according to the California Department of Finance.

While the governor’s shift angered his most progressive allies and renewed speculation that he is tacking to the political middle ahead of his expected run for president in 2028, the Democratic-led Legislature approved the Medi-Cal eligibility changes in June.

Public opinion on the issue may also be changing.

Fifty-eight percent of adults in California were opposed to providing healthcare for undocumented immigrants, according to a poll released in June from the nonpartisan Public Policy Institute of California. This was a notable shift, as previous surveys from the institute conducted between 2015 to 2023 showed the majority approved.

Who would lose coverage if the tax credits end and Medicaid cuts aren’t reversed?

Trump’s One Big Beautiful Bill Act, passed by Republicans this summer, ends healthcare subsidies that were extended during the pandemic and makes other cuts to programs. According to the White House, the bill “contains the most important America First healthcare reforms ever enacted.”

“The policies represent a comprehensive effort to address waste, fraud, and abuse to strengthen the healthcare system for the most vulnerable Americans, ensuring that taxpayer dollars are focused on American citizens and do not subsidize healthcare for illegal immigrants,” the White House said in a statement on Oct. 1.

Among other things, the law limits Medicare and other program eligibility to certain groups, including green card holders, effective July 2025. Other lawfully present immigrants, including refugees and asylees, are no longer eligible, according to KFF.

It’s estimated that the eligibility restrictions will result in about 1.4 million lawfully present immigrants becoming uninsured, reduce federal spending by about $131 billion and increase federal revenue by $4.8 billion as of 2034, according to the Congressional Budget Office.

At the same time, a broader group of lawfully present immigrants, including refugees, will lose access to subsidized coverage through the ACA marketplace by January 2027.

Covered California’s Altman estimated that there are about 119,000 immigrants in California who are covered and would lose eligibility for financial assistance.

More broadly, Altman and other healthcare experts predict that healthcare premiums will skyrocket if the ACA tax credits expire.

Yousef Birzeit, an economics professor at Birzeit University, says the cost to rebuild Gaza will be far greater than the UN, European Union and World Bank estimate of about $50bn.

Sitting in a chair on Thursday night as fans came into SoFi Stadium to watch high school football games between Loyola and Gardena Serra and Leuzinger against Palos Verdes, you can hear the different reactions of first-time visitors as they climbed escalators and stairs to reach their seats.

Many were in awe.

“This is nice.”

“Wow. This stadium is so different.”

“I can’t believe I paid $80 for a high school game.”

The games have been put together by Playbook Events. Teams have to give up revenue they would make from hosting their own games. Parking costs $10 while student and adult tickets range from $29 to $71. Usual student tickets are $10 at home sites.

It’s clear players enjoy the once-in-a-lifetime experience to play in a prestigious NFL stadium that will host the swimming competition at the 2028 Olympic Games. And first-time visitors who’ve never been able attend a concert or NFL game at SoFi because of cost are truly impressed with the seating and experience.

But there’s also some issues that could enhance the experience. One fan suggested better directions on where to park and how to pay for parking, since only credit cards are accepted, and lots of grandparents are not tech savvy on how to purchase tickets online or which entrance to take to find the parking lot. Schools need to provide more specific instructions. Organizers are also requiring fans to sign a waiver when entering, leading to long lines if you don’t arrive early.

The cost for fans can be prohibitive, which means schools need to take that into account when agreeing to play a game at SoFi. The organizers certainly know what they are doing. Games start on time and security is plentiful and helpful for first-time visitors.

Loyola athletic director Chris O’Donnell said, “For this kind of experience, for both teams, it’s really great. I’d do this again in a second.”

The next big game at SoFi Stadium happens Thursday at 5 p.m. when unbeaten Los Alamitos plays Huntington Beach Edison.

This is a daily look at the positive happenings in high school sports. To submit any news, please email [email protected].

Federal prosecutors sued Southern California Edison, saying its equipment ignited the 2019 Saddle Ridge fire, which burned nearly 9,000 acres and damaged or destroyed more than 100 homes in the San Fernando Valley.

The complaint filed in U.S. District Court in Los Angeles on Tuesday claims that Edison was negligent in designing, constructing and maintaining its high-voltage transmission line that runs through Sylmar. Equipment on the line is now suspected of causing both the 2019 fire as well as the Hurst fire on Jan. 7.

Edison has acknowledged that its equipment may have ignited the Jan. 7 fire, but it has been arguing for years in a separate lawsuit brought by Saddle Ridge fire victims that its equipment did not start the 2019 fire.

Lawyers for the victims say they have evidence showing the transmission line is not properly grounded, leading to two wildfires in six years. Edison’s lawyers call those claims an “exotic ignition theory” that is wrong.

In the new lawsuit, the federal government is seeking to recover costs for the damage the 2019 fire caused to 800 acres of national forest, including for the destruction of wildlife and habitats. The lawsuit also requests reimbursement for the federal government’s costs of fighting the fire.

“The ignition of the Saddleridge Fire by SCE’s power and transmission lines and equipment is prima facie evidence of SCE’s negligence,” states the complaint, which was filed by acting U.S. Atty. Bill Essayli.

“The United States has made a demand on SCE for payment of the costs and damages incurred by the United States to suppress the Saddleridge Fire and to undertake emergency rehabilitation efforts,” the complaint said. “SCE has not paid any part of the sum.”

David Eisenhauer, an Edison spokesman, said the company was reviewing the federal government’s lawsuit and “will respond through the legal process.”

“Our hearts are with the people and communities that were affected,” he said.

The 2019 wildfire tore through parts of Sylmar, Granada Hills and Porter Ranch, killing at least one person.

The fire ignited under a transmission tower just three minutes after a steel part known as a y-clevis broke on another tower more than two miles away, according to two government investigations into the fire. The equipment failure on that tower caused a fault and surge in power.

In the ongoing lawsuit by victims of the 2019 fire, the plaintiffs argue that the power surge traveled along the transmission lines, causing some of the towers miles away to become so hot that they ignited the dry vegetation underneath one of them. Government investigators also found evidence of burning at the base of a second tower nearby, according to their reports.

The lawyers for the victims say the same problem — that some towers are not properly grounded — caused the Hurst fire on the night of Jan. 7.

“The evidence will show that five separate fires ignited at five separate SCE transmission tower bases in the same exact manner as the fire that started the Saddle Ridge fire,” the lawyers wrote in a court filing this summer.

In that filing, the lawyers included parts of a deposition they took of an L.A. Fire Department captain who said he believed that Edison was “deceptive” for not informing the department that its equipment failed just minutes before the 2019 blaze ignited, and for having an employee offer to buy key surveillance video from that night from a business next to one of its towers.

Edison has denied its employee offered to buy the video. A spokeswoman said the utility did not tell the fire department that its equipment failed because it happened at a tower miles away from where the fire ignited.

Residents who witnessed both fires told The Times they saw fires burning under transmission towers on the evening of the 2019 fire and the night of Jan. 7.

Roberto Delgado and his wife, Ninoschka Perez, can see the towers from their Sylmar home. They told The Times they saw a fire on Jan. 7 under the same tower where investigators say the 2019 fire started.

The family had to quickly flee in the case of each fire.

“We were traumatized,” Delgado said. “If I could move my family away from here I would.”

The Jan. 7 fire burned through 799 acres and required thousands of people to evacuate. Firefighters extinguished the blaze before it destroyed any homes.

Sage Capital Advisors, LLC reduced its position in Costco Wholesale Corporation(COST -0.00%), selling 3,424 shares in Q3 2025. The estimated trade value was $3.28 million, based on quarterly average pricing for the period ended September 30, 2025, according to an SEC filing dated October 7, 2025.

What happened

According to a filing with the Securities and Exchange Commission dated October 07, 2025, Sage Capital Advisors, LLC sold 3,424 shares of Costco in Q3 2025. The transaction was valued at an estimated $3.28 million. Following the trade, the fund held 6,371 shares valued at $5.90 million as of September 30, 2025.

What else to know

The fund’s position in Costco decreased from 2.3937% to 1.4023% of reportable AUM as of 2025-09-30 following the sale.

Top holdings after the filing:

• NASDAQ:AAPL: $37.26 million (8.9% of AUM) as of September 30, 2025
• NASDAQ:MSFT: $21.92 million (5.2% of AUM) as of 2025-09-30
• NASDAQ:NVDA: $19.31 million (4.6% of AUM) as of 2025-09-30
• NASDAQ:GOOGL: $18.69 million (4.4% of AUM) as of 2025-09-30
• NASDAQ:AMZN: $16.32 million (3.9% of AUM) as of 2025-09-30

As of October 6, 2025, shares of Costco were priced at $910.94, up 4.3% over the past year, underperforming the S&P 500 by 13.7 percentage points

Company Overview

Company Snapshot

Offers a broad assortment of branded and private-label merchandise, including groceries, appliances, electronics, apparel, and specialty services such as pharmacies, optical centers, and fuel stations.

Operates a membership-based warehouse model

Operates in North America, Asia, Europe, and Australia

As of September 2025, the company operated 914 membership warehouses worldwide

Foolish take

Sage Capital Advisors sold off about 34% of its Costco holdings during Q3 2025, totaling about $3.28 million, dropping Costco from about 2.4% of its AUM to about 1.4%. This wasn’t a significant drop in its overall portfolio composition, even if it did represent a pretty significant sell-off of its Costco stock holdings.

Although Costco remains a strong retail company, investors have long worried it has been getting overvalued and has less room to grow in valuation in the near-term. For example, over the last year, Costco share values only increased by 4.3%, significantly underperforming the market. The company also had a very strong Q3, despite a resulting drop in its stock price.

Costco remains a desirable company for many investors, even if institutional investors like Sage Capital Advisors are selling significant shares. This may be a regular part of its portfolio management, and nothing to worry about, or it may have been taking gains at one of the near-$1000 peaks that occurred during the quarter. 

Either way, this looks more like a rebalancing move and less like a statement about Costco.

Glossary

AUM: Assets Under Management – The total market value of investments managed by a fund or firm.
Reportable AUM: The portion of a fund’s assets required to be disclosed in regulatory filings, often U.S. equities.
Top holdings: The largest individual investments in a fund, typically ranked by market value or portfolio percentage.
Membership-based warehouse model: A retail structure where customers pay annual fees to access bulk goods at discounted prices.
Dividend Yield: Annual dividends per share divided by share price, shown as a percentage.
TTM: The 12-month period ending with the most recent quarterly report.

The cost to experience the Happiest Place on Earth continues to rise as the Disneyland Resort unveiled its annual price increases for the upcoming year.

The Disneyland Resort on Wednesday morning increased prices on most tickets for guests 10 and older, with the price to visit a single park on its most in-demand days now $224 per person, up from $206. The price of its lowest-tier offering — a one-day, one-park ticket for often a less crowded weekday — will remain the same at $104. (Disneyland Resort ticket prices vary depending on the day and consumer demand.)

Pricing for all other one-day, one-park tickets on more popular days will increase between 1.5% and 4.8% — Disneyland has six tiers of pricing based on crowd levels — and most increased moderately between $3 and $7, a lower jump than in years past. Park hopper add-ons, which allow a guest to visit both Disneyland Park and Disney California Adventure on the same day, are now between $70 and $90 per day, up from $65 to $75 per day, depending on the crowd calendar.

Parking at the resort has also increased, up $5 to $40 per day for a standard vehicle.

Once in the park, those who opt for the line-skipping Lightning Lane Multi Pass will find that service starts at $34 per day, up from $32, but the program is also subject to variable pricing. For instance, today a Lightning Lane Multi Pass is $40 per guest.

Its Magic Key annual pass has also experienced an increase for its top two tiers, the so-called Inspire and Believe passes. The Inspire pass, which offers the most year-round access and highest merchandise and dining discounts, including the cost of parking, is up $150 to $1,899. The Believe key is up $100 to $1,474. Prices for its two lowest tier Magic Keys — the Enchant and Imagine — did not change.

Currently, only the Enchant and Imagine keys, the latter for Southern California residents, are available for sale. All are available for renew, as Disney makes Magic Key passes for sale available at various times throughout the year.

Disneyland has maintained its lowest $104 ticket for seven years now. This year, for instance, one can visit the park in early November at that rate in the days between the resort’s Halloween and holidays celebrations. From Oct. 7 through April 4, 2026, Disneyland has also increased its number of $104 days, up from 20 to 32 for the upcoming months.

“Disney Parks offer a full day of experiences each day, with ticket, hotel, and dining options designed to suit a wide range of needs and budgets for all who visit,” read a statement from the company. “Our commitment to creating magical experiences for everyone remains at the heart of what we do — and that will never change.”

The resort has also unveiled a new California ticket offer, which is set to go on sale Dec. 3. The deal is for a 3-day park-hopper ticket, which can be used on non-consecutive visits, and starts at $249 per person, which amounts to $83 per day. A Lightning Lane Multi Pass add-on will bring the cost of the ticket to $351 per person, or $117 per day. The offer is good for visits from Jan. 1, 2026 to May 21, 2026.

Disneyland is currently in the midst of its 70th anniversary celebration, which will continue until next summer. As part of the latter, Disneyland unveiled the show “Walt Disney — A Magical Life,” featuring the first-ever audio animatronic of the company’s founder. Disneyland this week announced an update is coming soon to one of its most historic attractions, as it will be adding Rapunzel’s Tower to its Storybook Land Canal Boats, a leisurely boat ride through tableaus of exquisite miniatures.

While Disneyland has yet to announce its full slate of programming for 2026, popular festivities such as Lunar New Year and the Food & Wine Festival are set to return. Disneyland Park in its Star Wars: Galaxy’s Edge area will unveil a new mission on its attraction Millennium Falcon: Smugglers Run to tie into the upcoming film, “The Mandalorian and Grogu.” The new interactive scenes are set to debut May 22, 2026.

Disney’s experiences division — which includes the Disney theme parks, cruise line and Aulani resort and spa in Hawaii — reported revenue of $9.1 billion, up 8% compared with the previous year, in its most recent quarterly earnings report. Operating income rose 13% to $2.5 billion.

Federal officials on Friday confirmed that Florida has been reimbursed $608 million for the costs of building and running an immigration detention center in the Florida Everglades, exposing “Alligator Alcatraz” to the risk of being ordered to close for a second time.

The U.S. Department of Homeland Security said in an email that the state of Florida was awarded its full reimbursement request.

The reimbursement exposes the state of Florida to being forced to unwind operations at the remote facility for a second time because of a federal judge’s injunction in August. The Miami judge agreed with environmental groups who had sued that the site wasn’t given a proper environmental review before it was converted into an immigration detention center and gave Florida two months to wind down operations.

The judge’s injunction, however, was put on hold for the time being by an appellate court panel in Atlanta that said the state-run facility didn’t need to undergo a federally required environmental impact study because Florida had yet to receive federal money for the project.

“If the federal defendants ultimately decide to approve that request and reimburse Florida for its expenditures related to the facility, they may need to first conduct an EIS (environmental impact statement),” the three-judge appellate court panel wrote last month.

The appellate panel decision allowed the detention center to stay open and put a stop to wind-down efforts.

President Trump toured the facility in July and suggested it could be a model for future lockups nationwide as his administration pushes to expand the infrastructure needed to increase deportations.

Environmental groups that had sued the federal and state governments said the confirmation of the reimbursement showed that the Florida-built facility was a federal project “from the jump.”

“This is a federal project being built with federal funds that’s required by federal law to go through a complete environmental review,” Elise Bennett, Florida and Caribbean director at the Center for Biological Diversity, said in a statement. “We’ll do everything we can to stop this lawless, destructive and wasteful debacle.”

Schneider writes for the Associated Press.

WASHINGTON — Plunged into a government shutdown, the U.S. is confronting a fresh cycle of uncertainty after President Donald Trump and Congress failed to strike an agreement to keep government programs and services running by Wednesday’s deadline.

Roughly 750,000 federal workers are expected to be furloughed, some potentially fired by Trump’s Republican administration. Many offices will be shuttered, perhaps permanently, as Trump vows to “do things that are irreversible, that are bad” as retribution. His deportation agenda is expected to run full speed ahead, while education, environmental and other services sputter. The economic fallout is expected to ripple nationwide.

“We don’t want it to shut down,” Trump said at the White House before the midnight deadline.

But the president, who met privately with congressional leadership this week, appeared unable to negotiate any deal between Democrats and Republicans to prevent that outcome.

This is the third time Trump has presided over a federal funding lapse, the first since his return to the White House this year, in a remarkable record that underscores the polarizing divide over budget priorities and a political climate that rewards hard-line positions rather than more traditional compromises.

Plenty of blame being thrown around

The Democrats picked this fight, which was unusual for the party that prefers to keep government running, but their voters are eager to challenge the president’s second-term agenda. Democrats are demanding funding for health care subsidies that are expiring for millions of people under the Affordable Care Act, spiking the costs of insurance premiums nationwide.

Republicans have refused to negotiate for now and have encouraged Trump to steer clear of any talks. After the White House meeting, the president posted a cartoonish fake video mocking the Democratic leadership that was widely viewed as unserious and racist.

What neither side has devised is an easy offramp to prevent what could become a protracted closure. The ramifications are certain to spread beyond the political arena, upending the lives of Americans who rely on the government for benefit payments, work contracts and the various services being thrown into turmoil.

“What the government spends money on is a demonstration of our country’s priorities,” said Rachel Snyderman, a former White House budget official who is the managing director of economic policy at the Bipartisan Policy Center, a think tank in Washington.

Shutdowns, she said, “only inflict economic cost, fear and confusion across the country.”

Economic fallout expected to ripple nationwide

An economic jolt could be felt in a matter of days. The government is expected Friday to produce its monthly jobs report, which may or may not be delivered.

While the financial markets have generally “shrugged” during past shutdowns, according to a Goldman Sachs analysis, this one could be different partly because there are no signs of broader negotiations.

“There are also few good analogies to this week’s potential shutdown,” the analysis said.

Across the government, preparations have been underway. Trump’s Office of Management and Budget, headed by Russ Vought, directed agencies to execute plans for not just furloughs, as are typical during a federal funding lapse, but mass firings of federal workers. It’s part of the Trump administration’s mission, including its Department of Government Efficiency, to shrink the federal government.

What’s staying open and shutting down

The Medicare and Medicaid health care programs are expected to continue, though staffing shortages could mean delays for some services. The Pentagon would still function. And most employees will stay on the job at the Department of Homeland Security.

But Trump has warned that the administration could focus on programs that are important to Democrats, “cutting vast numbers of people out, cutting things that they like, cutting programs that they like.”

As agencies sort out which workers are essential, or not, Smithsonian museums are expected to stay open at least until Monday. A group of former national park superintendents urged the Trump administration to close the parks to visitors, arguing that poorly staffed parks in a shutdown are a danger to the public and put park resources at risk.

No easy exit as health care costs soar

Ahead of Wednesday’s start of the fiscal year, House Republicans had approved a temporary funding bill, over opposition from Democrats, to keep government running into mid-November while broader negotiations continue.

But that bill has failed repeatedly in the Senate, including late Tuesday. It takes a 60-vote threshold for approval, which requires cooperation between the two parties. A Democratic bill also failed. With a 53-47 GOP majority, Democrats are leveraging their votes to demand negotiation.

Senate Majority Leader John Thune has said Republicans are happy to discuss the health care issue with Democrats — but not as part of talks to keep the government open. More votes are expected Wednesday.

The standoff is a political test for Senate Democratic leader Chuck Schumer, who has drawn scorn from a restive base of left-flank voters pushing the party to hold firm in its demands for health care funding.

“Americans are hurting with higher costs,” Schumer said after the failed vote Tuesday.

House Speaker Mike Johnson sent lawmakers home nearly two weeks ago after having passed the GOP bill, blaming Democrats for the shutdown.

“They want to fight Trump,” Johnson said Tuesday on CNBC. “A lot of good people are going to be hurt because of this.”

Trump, during his meeting with the congressional leaders, expressed surprise at the scope of the rising costs of health care, but Democrats left with no path toward talks.

During Trump’s first term, the nation endured its longest-ever shutdown, 35 days, over his demands for funds Congress refused to provide to build his promised U.S.-Mexico border wall.

In 2013, the government shut down for 16 days during the Obama presidency over GOP demands to repeal and replace the Affordable Care Act, also known as Obamacare. Other closures date back decades.

Mascaro, Jalonick and Groves write for the Associated Press. Associated Press writers Matt Brown, Joey Cappelletti, Will Weissert, Fatima Hussein and other AP reporters nationwide contributed to this report.

President Trump signed a proclamation that imposes a $100,000 fee on H-1B visa applications, the immigration allocation set aside for highly skilled workers the U.S. economy needs. The new rules threaten the availability and deployment of human capital in the United States. This is misguided and will hurt U.S. growth and innovation, at a time when the global arms race for AI creates a vital need for the sharpest human talent and innovators.

We are professors who study and teach innovation-related topics at U.S. research universities. As immigrants to the United States from India and Panama respectively, we understand firsthand the sometimes painful discussions around H-1B immigration. Tensions around immigration routinely affect our academic institutions, our current students and former students now in industry. But there should be a lot of common ground on this polarizing topic.

STEM immigrants are creating substantial value in the United States. Immigrants play a significant role in entrepreneurial ventures in the United States and particularly startup innovation. Further, such immigrants are responsible for 23% of innovation output in the United States. This effect is in part based on policies that allow for foreign students to study and stay in the United States to work in startups.

H-1B immigration is like a natural selection process that benefits the U.S. immensely. Highly skilled immigrants in areas such as technology and medicine come hungry for hard work and full of ideas to better the world — to create new products, services and even markets as well as to cater to existing needs through more incremental improvement and optimization. Many of our best students are immigrants who are looking to stay in the United States and create work opportunities that would not be possible anywhere else in the world. In the United States, we recognize entrepreneurial success perhaps more than any other country. It is one of our greatest attributes as a society.

Nevertheless, we do have an immigration problem in the United States. The problem is that the distribution of benefits across the United States is highly skewed. Much of the wealth generated in terms of company creation and jobs has redounded to innovative clusters. But the idea to reduce the total number of H-1B immigrants by increasing the cost is exactly the wrong way to “solve” this problem — by dragging down the thriving parts of the economy rather than lifting up the rest.

To grow economic prosperity throughout the country, we need to offer more opportunities for more H-1B visa applicants. There are simply not enough trained U.S. nationals to take on the sort of labor required for the next wave of a tech-enabled industrial revolution.

Distributing the fruits of H-1B visa holders’ work more broadly requires a different approach than the U.S. has taken before. We should increase the total number of new H-1B visa recipients each year to 350,000 from around 85,000, with the additional visas apportioned across states so that locations like college towns — places like Lawrence, Kan., Gainesville, Fla., and Clemson, S.C., as well as cities such as Birmingham, Pittsburgh, Cincinnati, Salt Lake City and Boise receive sufficient numbers of H-1B workers. Visas could be allocated through a process akin to the resident-matching system for medical doctors, thereby sending workers to states where they would create greater value by filling economic and technological gaps. This infusion of labor would improve technological innovation in local economies and create local spillover effects in job creation and additional innovation.

Such immigration is necessary particularly now given a global push toward increased industrial policy, as China and others invest in AI and broader digital transformation. At a time when our national security is linked to technological innovation, it is shortsighted not to open ourselves to more immigration. If we do not, we will lose some of the best and brightest minds to Canada, Australia, the United Kingdom, Singapore and other countries.

Immigration is currently a volatile political issue in the U.S., as it has been at some other moments in the nation’s history. Although this is a country of immigrants, for people who feel insecure about pocketbook and cultural issues, continued immigration can feel threatening. As a percentage of people living in the United States, it has been more than 100 years since there were as many immigrants here as there are now. But as with past waves of immigration, productivity and transformation have followed.

This is particularly clear for H-1B visa holders, who create opportunities for people born in the U.S. and ensure the vitality of American innovation, security and democratic values. Increasing the costs of such visas would chill their use and reduce U.S. prosperity and innovation exactly at a time of great need.

Hemant Bhargava is a professor of business at UC Davis Graduate School of Management and director of the Center for Analytics and Technology in Society. D. Daniel Sokol is a professor of law and business at USC.