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Walking more shows sharper links to lower health care costs as adults age

More than 60 years after "I look up as I walk," known worldwide as "Sukiyaki," became Japan's most famous song about walking, a new study finds that as walkers look up, their predicted health care costs ...

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Nov 4 • 7:20 AM EST • Health • medicalxpress.com
Bills trade deadline candidate: Colts receiver Josh Downs

The ninth installment in the series examining possible Bills trade targets before the deadline

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Nov 4 • 7:14 AM EST • Sports • sports.yahoo.com
Fabian Bredlow raises suspicion about Galatasaray whistling

Speaking after VfB Stuttgart’s 2-0 defeat against Galatasaray on Matchday 4 of the 2026/27 UEFA Champions League, Fabian Bredlow expressed a suspicion regarding the whistling coming from the stands....

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Nov 4 • 7:13 AM EST • Sports • sports.yahoo.com
Why Nintendo is betting on a nearly 30-year-old game remake to win the holiday

“Saturday Night Live” poked fun at characters from two of the holiday season’s most anticipated video game releases last month: Link from the upcoming remake of “The Legend of Zelda: Ocarina of Time” and Jason from “Grand Theft Auto VI.”

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Nov 4 • 7:00 AM EST • Technology • cnn.com
Profile of Netflix's new ad platform VP Darshan Kantak

Former colleagues say Netflix's new ad platform VP, Darshan Kantak, is accustomed to solving complex problems and is willing to get his hands dirty.

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Nov 4 • 7:00 AM EST • Business • businessinsider.com
A surprising discovery could help aging muscles repair themselves

Scientists have discovered a compound that transforms a natural muscle-repair protein into a more powerful version dubbed "Super HGF," more than doubling its ability to bind to a key receptor while protecting it from age-related chemical damage. The breakthrough, supported by early mouse experiments, could eventually help combat muscle loss and preserve strength as people age.

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Nov 4 • 7:00 AM EST • Science • sciencedaily.com
Flutter Entertainment PLC: Q3 2026 Earnings Release

NEW YORK, Nov. 04, 2026 (GLOBE NEWSWIRE) -- Flutter Entertainment plc (NYSE: FLUT) (“Flutter”), the world’s leading online sports betting and iGaming...

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Nov 4 • 7:00 AM EST • Entertainment • globenewswire.com
The Daily Mauling 11.4.26

Did you survive the night?

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Nov 4 • 7:00 AM EST • Sports • sports.yahoo.com
Women's Health Wednesday: Flu season precautions for pregnant women

Your Local News Leader

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Nov 4 • 6:46 AM EST • Health • news10.com
Patriots Get Offensive Line Reinforcement Ahead Of Packers Game

New England made several roster moves Tuesday, but the return of an offensive tackle could become particularly important as the Patriots prepare for Green Bay.

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Nov 4 • 6:42 AM EST • Sports • sports.yahoo.com
Jayson Tatum diagnoses Celtics' main early season struggle

After breaking their five-game winning streak to the Rockets, Jayson Tatum had a major insight on what the Celtics led by Coach Joe Mazzulla are struggling with.

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Nov 4 • 6:37 AM EST • Sports • sports.yahoo.com
Fit Tips: The science of recalling your forgotten glutes

To fix gluteal amnesia (or “dead butt syndrome”), you need to stretch tight hip flexors and retrain your brain to fire your glute muscles using targeted activation exercises. Movement is how you remind your glutes what they’re capable of doing.

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Nov 4 • 6:30 AM EST • Science • sequimgazette.com
Column: Remembering Election Central As Who’s Who of Fayetteville Politics

Before election results went virtual, candidates and residents gathered at the former Holiday Inn Bordeaux to await voting returns.

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Nov 4 • 6:30 AM EST • Politics • cityviewnc.com
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Patriots vs. Dolphins snap counts: O-line shakeup continues

Notes and thoughts on the Patriots’ snap counts from their 24-19 win over the Dolphins.

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Nov 4 • 6:16 AM EST • Sports • sports.yahoo.com
'Full-time job to keep up with it': Drug pricing program changes worry WV clinic

Beginning in 2027, Trump administration changes to the federal 340B drug pricing program will increase the purchasing and administrative costs for eligible clinics, including in West Virginia, which will have to pay up front for the drugs and seek rebates from drug manufacturers.

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Nov 4 • 6:15 AM EST • Health • wvgazettemail.com
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Is One Stalled Business Reason Enough To Sell Zoom Stock?

For questions about this article or underlying research, email help@trefis.com.The growth outlook for the Online business is the one number that should worry a Zoom Communications (ZM) holder, though the concern remains a moderate one. Online brought in about 38% of Zoom's revenue in fiscal Q2 2027.

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Nov 4 • 6:12 AM EST • Business • trefis.com
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Why big mergers aren’t in Inova’s playbook

Inova President and CEO Dr. J. Stephen Jones outlined the system's growth plans and capital project strategy.

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Nov 4 • 6:01 AM EST • Health • modernhealthcare.com
Who needs picks when your offense is lacking?

The Denver Broncos should be buyers at the trade deadline

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Nov 4 • 6:00 AM EST • Sports • sports.yahoo.com
How a scientist went from hero to traitor in a US water crisis

When the water in Flint, Michigan, became contaminated with dangerous levels of lead, Dr Siddhartha Roy, then a third year PhD student, was part of the team of scientists who publicly contradicted state and federal claims that it was safe. He became a local hero until a new piece of research challenged the idea that children in Flint had been left permanently brain damaged by the crisis. His adherence to the evidence, no matter who it offended, has earned him the 2026 Maddox prize, which recognises individuals who stand up for science and evidence, despite challenges or hostility. He tells Ian Sample how he reflects on his experience in Flint, and why he lost friends as a result of his work there

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Nov 4 • 5:47 AM EST • Science • theguardian.com
Decades-old tech gets new life from metro Detroit startup

A metro Detroit startup is looking to take tech developed in 1979 and modernize it for clinical use.

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Nov 4 • 5:45 AM EST • Health • crainsdetroit.com
Decades-old tech gets new life from metro Detroit startup

A metro Detroit startup is looking to take tech developed in 1979 and modernize it for clinical use.

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Nov 4 • 5:45 AM EST • Business • crainsdetroit.com
Berks Nature to Launch New Mental Health Effort

During the 18th annual State of the Environment Breakfast, Berks Nature will introduce the first tool in what the nonprofit envisions as a multidisciplinary community partnership to help local youth find peace, healing, and connection in nature: a map of Reading’s 50+ parks, playgrounds, and green spaces.

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Nov 4 • 5:30 AM EST • Health • bctv.org
Signant Health unveils SignalSpace for clinical trials

Signant Health has launched Signant SignalSpace, a centralised environment for clinical trial data and workflows.

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Nov 4 • 5:01 AM EST • Health • clinicaltrialsarena.com
🍷 The sip heard ‘round town| Sports Daily Newsletter

And Caitlin Clark loves Philly, y'all.

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Nov 4 • 5:01 AM EST • Sports • inquirer.com
Good sleep linked to better brain health in cardiometabolic disease

People with type 2 diabetes, heart disease or stroke who sleep well have better cognitive function and greater brain volume than people with the same conditions who sleep poorly, according to a new study ...

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Nov 4 • 5:00 AM EST • Health • medicalxpress.com
\'You\'re going to have fun\': Metal band Nail Bite to perform its last show of 2026 at Phantom Power

Lonna Nelson, one of two vocalists in metal band Nail Bite, says that concertgoers will often walk up to the band after it performs, saying that the band reminds them

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Nov 4 • 5:00 AM EST • Entertainment • lancasteronline.com
IVF Patients, Doctors Navigate Fetal Personhood Laws’ Unknowns

People trying to start families and clinics trying to help them have been left confused and worried since the Supreme Court overturned Roe v. Wade, triggering fetal personhood laws in several states.

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Nov 4 • 5:00 AM EST • Health • kffhealthnews.org
Juventus to Get More Cash from Owner, Outline Priority

Juventus have announced yet another capital increase of up to €250M, to be activated in due course. They were in the red by €66M in the last session. The stakeholders will have to pour more money ...

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Nov 4 • 5:00 AM EST • Sports • sports.yahoo.com
Golden Nuggets: Less than a week until the trade deadline

Your daily San Francisco 49ers news for Wednesday, November 4th, 2026

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Nov 4 • 5:00 AM EST • Sports • sports.yahoo.com
FBI arrests Oklahoma man for mailing hundreds of threats to political officials ahead of midterms

FBI agents have arrested an Oklahoma man in connection to hundreds of threatening messages to political and public officials sent in the mail.

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Nov 4 • 5:00 AM EST • Politics • kosu.org
Bryant visits Quinnipiac following Harvey's 20-point game

Bryant Bulldogs (1-0) at Quinnipiac Bobcats (0-1)Hamden, Connecticut; Thursday, 7 p. ESTBOTTOM LINE: Bryant takes on Quinnipiac after Keegan Harvey scored 20 points in Bryant's 80-75 win over the Siena Saints.

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Nov 4 • 4:42 AM EST • Sports • sports.yahoo.com
Missouri sets 2027 health rates as plan networks change

Missouri finalized 2027 health insurance rates as consumers face increases, changing provider networks and key enrollment deadlines.

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Nov 4 • 4:42 AM EST • Health • columbiatribune.com
Lack of clinical edge was a big problem

Millwall boss Alex Neil speaks to BBC Radio London after the 3-0 defeat at Birmingham City.

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Nov 4 • 4:36 AM EST • Sports • sports.yahoo.com
Troy Jackson topples Republican Susan Collins in Maine Senate race

Democrat Troy Jackson defeated five-term Republican Sen. Susan Collins in Maine, despite only becoming his party’s nominee in July.

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Nov 4 • 4:26 AM EST • Politics • cnn.com
DAZN Pulse: Miami wins college football's bizarre Midterm Elections

Miami Hurricanes take center stage in college football’s bizarre midterm elections, with the latest headlines, analysis and reaction. Read more at DAZN News.

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Nov 4 • 4:16 AM EST • Sports • dazn.com
Scaled-back version of NC's rural health pilot will return in January

After an 18-month pause, the Medicaid initiative will resume with stricter eligibility requirements and a narrower focus on food assistance.

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Nov 4 • 4:15 AM EST • Health • northcarolinahealthnews.org
CVS Health Stock Leads Defensive U.S. Dividend Value Picks

Washington has just handed investors a plot twist. A Democratic sweep of Congress, fresh worries over debt ceiling fights and pressure on Treasury yields are shaking sentiment, yet pockets of dividend-paying value stocks may quietly benefit from the reset in expectations. This article walks through three U.S. dividend payers from our value-focused screener that appear closely tied to these political crosswinds and explains why each could deserve a second look now. The three stocks below are...

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Nov 4 • 4:13 AM EST • Health • finance.yahoo.com
Google’s Next Big Bet Is a Business It’s Never Won

On October 28, Google told Wall Street something that publishers, small businesses and anyone who’s ever depended on search traffic have been telling

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Nov 4 • 4:00 AM EST • Business • pymnts.com
15-Minute Lesson Plan: A Teen Tracks Down Over 11,377 Moths

Violet Clinton is doing award-winning entomological field research. Is there a citizen science project you might want to conduct?

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Nov 4 • 4:00 AM EST • Science • nytimes.com
Today’s Papers

La Gazzetta dello SportReal InterThe Nerazzurri restart in style: Feyenoord crushedBisseck opens the account, then Pio and Zielinski score. Chivu keeps climbing the table: ‘Our best version.’Roma ...

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Nov 4 • 3:45 AM EST • Sports • sports.yahoo.com
Star Health's Arogya Seva Kendra clinics cross 1.8+ lakh beneficiary visits within a year of their inception, bringing free primary healthcare to communities across 9 states

Star Health and Allied Insurance Company Limited (NSE: STARHEALTH) (BSE: 543412), India's leading standalone health insurer, has been safeguarding the health and well-being of millions of Indians for over 20 years through a strong focus on customer-centricity, transparency, and innovation. Reflecting its commitment to creating lasting social impact, Star Health's CSR initiatives focus on improving health outcomes through accessible healthcare, preventive interventions, and community wellness pro

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Nov 4 • 3:23 AM EST • Health • finance.yahoo.com
Watch Live Sports Online & Stream FOX Sports

Watch live sports online with FOX One. Stream NFL, college football, MLB, NASCAR, INDYCAR and more, plus FOX Sports shows. Start your 3-day free trial.

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Nov 4 • 3:20 AM EST • Sports • fox.com
Jets Make NHL History With Stunning Comeback Win Against Habs

The Winnipeg Jets appeared destined for what would have been a 10th straight loss, finding themselves trailing by a 4-0 score against the Montreal Canadiens at Bell Centre on Tuesday night.But then, suddenly, everything clicked and resulted in a stunning and historic turnaround, not only ending their miserable losing skid but also setting a new […] The post Jets Make NHL History With Stunning Comeback Win Against Habs appeared first on HEAVY.

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Nov 4 • 3:17 AM EST • Sports • sports.yahoo.com
G5 Entertainment: Established-game declines weighed on revenue as G5 Store growth lifted margins

Revenue fell 20% YoY as established games weakened, while gross margin hit 74.1% and adjusted EBIT rose YoY. G5 Store distribution, cost savings and a soft-launched new game are key growth levers, with new-game scalability still uncertain.Based on G5 Entertainment AB [G5EN] Q3 2026 Audio Transcript…

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Nov 4 • 3:03 AM EST • Entertainment • tradingview.com
NYT Spelling Bee Answers for November 4, 2026

Feeling stuck on today’s puzzle? We can help.

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Nov 4 • 3:00 AM EST • Technology • nytimes.com
Declining influenza vaccinations continue among health care workers

Despite often caring for patients at higher risk of severe outcomes from respiratory virus infection, health care workers in Oregon continue to lag in rates of vaccination against the potentially

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Nov 4 • 3:00 AM EST • Health • theworldlink.com
G5 Entertainment Q3 2026 slides: record margins offset revenue decline

G5 Entertainment Q3 2026 slides: record margins offset revenue decline

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Nov 4 • 2:47 AM EST • Entertainment • investing.com
‘This might just be the biggest defeat for big money in politics’: Billionaires poured hundreds of millions into Tuesday’s races and still lost

Elon Musk’s pick lost in Texas and billionaires Vivek Ramaswamy and Rick Jackson lost their own races, though California’s wealth tax is trailing.

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Nov 4 • 2:24 AM EST • Politics • fortune.com
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Dolphins announce passing of perfect 1972 team member Bob Heinz

The Miami Dolphins are mourning the loss of former defensive lineman Bob Heinz, who helped the franchise win consecutive Super Bowls and complete the NFL’s only undefeated campaign in 1972-73. He passed away in California on Oct. 31 at 79 years of age. This news comes shortly after the Detroit Lions handed the Minnesota Vikings their first loss of […] The post Dolphins announce passing of perfect 1972 team member Bob Heinz appeared first on ClutchPoints.

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Nov 4 • 2:22 AM EST • Sports • sports.yahoo.com
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Russell Wilson takes first step towards NC State coaching job after CBS move

Russell Wilson has interviewed for the vacant NC State head coaching job, just months after retiring from the NFL and joining CBS Sports as an analyst. The former Seattle Seahawks quarterback is now one of two high-profile candidates linked with the role, alongside Philip Rivers, who also played college football for the Wolfpack.

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Nov 4 • 2:21 AM EST • Sports • sports.yahoo.com
“Sad To Hear What Jorge Posada Had To Say” – Alexandria Ocasio-Cortez Takes Shots at Aaron Boone and Yankees Management

U. S. Representative Alexandria Ocasio-Cortez has questioned the New York Yankees’ decision to retain manager Aaron Boone, calling for changes within the organization after another disappointing season.

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Nov 4 • 2:14 AM EST • Sports • sports.yahoo.com
WATCH: Democrat Troy Jackson speaks after Maine Sen. Susan Collins concedes

Jackson won election Wednesday to the U.S. Senate representing Maine, defeating Republican incumbent Sen. Susan Collins.

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Nov 4 • 1:55 AM EST • Politics • pbs.org
Nebraska voters appear to say 'no' to legalizing online sports betting

Though margins were still slim late Tuesday night, Nebraska voters were on track to reject a pair of ballot measures looking to legalize and regulate online sports betting, according to unofficial results. Initiative Measures 440 and 441 would together amend the Nebraska Constitution and state law, respectively, to legalize and regulate online sports wagers. Initiative […]

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Nov 4 • 1:42 AM EST • Sports • nebraskaexaminer.com
“I Don’t Know If I’m Willing to Do It Just to Fight” – UFC Fans May Have Seen the Last of Beneil Dariush Inside the Octagon

Fans may have already seen the last of Beneil Dariush inside the Octagon. The veteran lightweight has endured a difficult stretch lately, losing four of his last five UFC fights, with all four defeats coming by knockout. Most recently, Dariush was stopped by Quillan Salkilld at UFC Perth in May 2026. Before that, he suffered …

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Nov 4 • 1:42 AM EST • Sports • sports.yahoo.com
Lewiston’s mayor faces runoff after a tumultuous year in city politics

Challenger Rick LaChapelle had 45.7% of votes to 35.3% for Mayor Carl Sheline, according to unofficial results.

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Nov 4 • 1:35 AM EST • Politics • bangordailynews.com
Trump reacts to Republican losses and declines to take blame

By the time the House and Senate had been called for Democrats on Tuesday, a consensus among members of both parties was forming: voters had rejected President Donald Trump’s record in office, and he would face a starkly different political reality for the remainder of his term.

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Nov 4 • 1:21 AM EST • Politics • cnn.com
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WATCH: Democrat Annie Andrews' full victory speech after flipping South Carolina Senate seat

Andrews' victory in a state President Donald Trump won three times by double digits is a stark defeat for the Republican Party.

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Nov 4 • 1:20 AM EST • Politics • pbs.org
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Cold showers: A rewarding way to cut your emissions?

Making this small change to your daily routine could be as impactful as recycling.

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Nov 4 • 1:02 AM EST • Health • euronews.com
Shapiro becomes first Democrat to win Lancaster County vote since 1990

Gov. Josh Shapiro not only won reelection Tuesday, he became the first Democratic gubernatorial candidate to win Lancaster County since Robert P. Casey won here in 1990.

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Nov 4 • 12:42 AM EST • Politics • lancasteronline.com
The Unlikeliest Democratic Win of All

Few thought South Carolina was really in play until it had already flipped.

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Nov 4 • 12:41 AM EST • Politics • theatlantic.com
Trump says Democrats 'did a good job,' blames Republican candidates for midterm losses

Voters delivered a significant rebuke to President Donald Trump on Tuesday by handing Democrats control of the Senate, rejecting his handpicked candidates while airing widespread concerns about high costs in the wake of his war against Iran and his punishing tariff policy.

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Nov 4 • 12:34 AM EST • Politics • pbs.org
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Declining influenza vaccinations continue among health care workers

Despite often caring for patients at higher risk of severe outcomes from respiratory virus infection, health care workers in Oregon continue to lag in rates of vaccination against the potentially

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Nov 4 • 12:30 AM EST • Health • tillamookheadlightherald.com
Here are the results from the sports wagering ballot measures

Two ballot measures are seeking a constitutional amendment to legalize online sports betting in the state and to create the regulatory framework to tax the wagers.

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Nov 4 • 12:26 AM EST • Sports • nebraskapublicmedia.org
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Incumbent Republican Dave Zimmerman handily wins 99th House District

Republican Rep. Dave Zimmerman was reelected to an eighth term in Pennsylvania’s 99th House District on Tuesday with 68% of the vote. He defeated Democratic challenger Ethan Gabrick, who received

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Nov 4 • 12:26 AM EST • Politics • lancasteronline.com
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Susan Collins concedes race to Troy Jackson in stunning political upset

The election all but ends the political career of one of Maine’s most famous and scrutinized elected officials.

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Nov 4 • 12:22 AM EST • Politics • bangordailynews.com
SC secretary of state wins 7th term leading office for business filings

South Carolina’s longtime secretary of state, Mark Hammond, won a seventh term in office.

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Nov 4 • 12:15 AM EST • Business • scdailygazette.com
Republican Steve Mentzer wins another term to the 97th House District

Republican Steve Mentzer will serve another term in Pennsylvania’s 97th House District after winning 55.6% of the vote Tuesday.

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Nov 4 • 12:01 AM EST • Politics • lancasteronline.com
Yankees news: Skubal linked to Yanks

Yankees among several teams in on top FA; Murphy walks back taunt; Chisholm likely to walk

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Nov 4 • 12:00 AM EST • Sports • sports.yahoo.com
Starman thriving while juggling Rangers broadcasts, family business

Living busy life as radio analyst, COO of beverage company

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Nov 4 • 12:00 AM EST • Business • nhl.com
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AFGHS co-signatory countries ask health care users to help fill the financing gap

Hundreds of thousands of Ugandans living with HIV on antiretrovirals could be targeted for user fees or community health insurance schemes requiring modest premium payments, according to the April 2026 version of the country’s America First Global Health Strategy implementation narrative.1 As part of the “sustainable financing for the private not for profit sector” strategy, 491 facilities will be targeted for a phased introduction of user fees and scale up of community health insurance programs.2 In the Ugandan context, PNFP facilities include faith-based hospitals and other health facilities, US missionary organizations and centers of excellence—services that are often co-located at government facilities but run with additional financial and technical resources. 402,000 people—or about 28 percent of the total Ugandan adult PLHIV population on treatment—get ART from the private not for profit sector. The selected facilities provide the majority of ART and prevention of mother to child transmission (PMTCT) services. The plan doesn’t give the total number of clients served by the 491 facilities, so it is not possible to give a precise number. But the majority of 402,000 is a figure in the hundreds of thousands—hence the estimate I’m using.3 The April draft of the Ugandan implementation plan narrative is the only one I’ve been able to review. But the government of Uganda is not alone in turning to health care users to help fill the financing gaps caused by the abrupt withdrawal of US funds. In July 2025, the Government of Liberia introduced user fees for previously free services including “registration, accommodation, patient feeding, hospitalization, and a wide range of surgical and diagnostic procedures.”4 Earlier that year, Liberia rolled out a revolving drug fund designed to stabilize drug supplies by “allowing patients to pay a small fee for standardized, quality medications,” according to a Ministry of Health press release.5 (Both of these approaches had been proposed in the National Health Policy 2022-2031; media coverage explicitly connects the launch with the US foreign aid cuts.) The health financing strategies proposed by Uganda and established in Liberia are qualitatively different from user fees officially adopted by specific health facilities to cover funding shortfalls caused by the new US approach.6 The latter is a stopgap, adhoc change. The former is a national governmental adoption of policies that pass costs on to health care users, despite evidence that such approaches can exacerbate inequities and leave deficits unfilled. Two countries does not make a pattern, but they do point to urgent questions: Have other countries, including Liberia, included user fees or community health insurance schemes in their implementation plans? If so, do any of these narratives have what Uganda’s lacks: a fall-back plan in place in case these strategies for sustainable health systems fail to deliver—as they have before? I wonder if you think about it Subscribe Predictable pitfalls Both community-based health insurance and user fees are as old as the hills. And after decades of people climbing up these hills, duking it out, climbing back down—neither strategy has shown the results the Ugandan implementation plan is counting on. This is, in fact, a hill some folks are willing to die on. (You knew I’d get there, right?) In November 2025, an African-led team of health system experts published a paper directed at low- and middle income country governments trying to figure out how to create self-sustaining health systems. The money wasn’t coming back. It had been more than nine months since the season of freezing, waivering and wood-chippering; two months since AFGHS tumbled into the world touting co-financing requirements and reductions in future US government health aid. Governments were looking for strategies for sustainable, self-financed health systems, the authors wrote. For countries considering user fees and community health insurance to fill the financing gaps, they had a simple message: Don’t. On user fees, the paper states: “Reliance on user fees is ultimately a regressive and inequitable approach. It places a disproportionate burden on the poor and undermines health system goals of equity and financial protection. […] There is overwhelming evidence that user fees mobilise very limited resources for the public health sector, making it an inefficient mechanism for revenue mobilisation.” On community health insurance: “Attempting to shift the burden of funding previously donor-funded services, such as HIV care and management, and TB treatment, onto contributory schemes would exacerbate their fragility and fail to protect the population.”7 The WHO says that community-based health insurance “cannot be expected to provide a major source of funding or coverage,” and noted that most schemes offer only moderate benefit to individuals paying into them, and exclude the poorest segment of the population.8 And yet, the US-Ugandan implementation plan says that community health insurance is “the central pillar of this [PNFP] sustainability strategy” and that this approach that will generate “pre-paid pooled funding at facility and community level [that] improves financial risk protection for households, reduces catastrophic out-of-pocket expenditure, and generates structured, transparent revenue streams that can progressively absorb recurrent costs including health worker salaries.” Unfortunately, Uganda’s own history suggests the pillar might not be able to bear this weight. Ugandans Have Been to this Rodeo Before—and Some Want Their Money Back Uganda introduced its first community health insurance scheme in 1996 with support from international donors.9 Thirty years later, somewhere between 0.2 and 0.3 percent of the population is covered by CHI; just over 1 percent has any kind of health insurance.10 User fees were universally introduced in 1993 as a condition of a World Bank loan.11 They were abandoned in 2001, and in 2004—the year I moved to Uganda to watch the free HIV program get underway—a definitive study found that the fees did not improve health systems and outcomes.12 In 2004, most clinics and hospitals had ‘free’ and ‘fee for service’ options for getting care.13 The fee for service, or “cash and carry” programs had often been established in the years prior to PEPFAR and the Global Fund to Fight AIDS, Tuberculosis and Malaria. People who could afford to paid for the drugs, often at facilities in the private-not-for-profit (PNFP) sector. When free drugs arrived, some people who’d been paying kept on doing so, perhaps because of shorter wait times, greater confidentiality, convenience or other factors. But in the year that I spent visiting the same clinics around the country week after week—including a “center of excellence” that maintained separate days for cash and carry clients and those accessing free ARVs—lots of people who had been paying tried to switch to the free option. They’d paid because they had no other choice. They’d sold pieces of family land, begged family members for loans, bought pills by the week, and sometimes by the day. Or they were just cash-strapped, like most of us, and wanted the funds for other things. 14 Twenty-two years later, this hasn’t changed. Ugandans pay out of pocket for 30-40 percent of their health care costs, leading one paper to declare that “falling ill is more than a health crisis. It is a financial emergency.”15 One recent study found that up to 48.5 percent of households dealing with tuberculosis sold something, took out a loan or dug into savings to defray the costs of TB care—which is supposed to be universally free.16 The Ugandan implementation plan does anticipate challenges. It proposes a phased approach, with 187 facilities introducing user contribution systems in Year 1, 152 in Year 2, and 153 in Year 3. Willingness to pay and feasibility studies will precede roll out; fees will be tiered by region, and a waiver system is proposed to ensure that no one has to pay who is unable to. Moreover, the plan provides for quarterly reviews of epidemiological data to “ensure that user contributions do not compromise epidemic control gains, ART continuity for the client cohort, TB case management, or PMTCT services.” Alt text: A screenshot of a table included in the implementation plan narrative that is the subject of this stack. It’s got a fetching pink bar at the top. It uses the abbreviation “CHI” which is Community Health Insurance, and FBO which is Faith Based Organizations, and it details the number of facilities that will implement user fees with waivers and community health insurance schemes over the five years of the agreement. As I said in the footnote, this is a super interesting document with a lot of other rich material. Tell me what you see—and what you would have focused on. And if you’ve seen something like this, or anything else that strikes you, in another implementation plan, tell me that too. You can use the Substack message platform or try me on Signal at @endaplague_again.25 (because @mercoonfan was, weirdly, taken). But the plan doesn’t fully explain what will happen if this approach doesn’t work out. Yes, progress will be monitored, and corrective action triggered. However, there is no specified funding replacement if premium and fee revenue prove inadequate. Instead, the authors write, “Currently, COEs serve a total client cohort of over 180,000 across 28 facilities. In the initial years, the U.S. Government (USG) will provide financial support for clients; over time, user fees generated by COEs will become the primary source of funding for sustaining their services.” Failure does not really seem to be an option. Health insurance schemes are more acceptable to the Ugandan population than user fees. Members of Parliament and civil society traveled to Ethiopia to see how that country’s scheme worked. In a follow up report, a veteran civil society group recommended allowing the “health insurance ecosystem to grow organically and [to] keep reviewing the law and regulations as this growth takes root.”17 One study found that more than three-quarters of Ugandans were willing to join a health insurance program.18 However, coverage of community-based health insurance is minimal, as is coverage of any kind of insurance—including private plans.19 A national health insurance scheme bill has been stalled for several years and presently sits with President Yoweri Museveni.20 Community-based health insurance scheme that do exist are expanding in number, but losing enrollees. Between 2022 and 2026, the number of community-based health financing schemes across the country increased by 42 percent, while the number of people enrolled decreased by nearly 11 percent.21 None of this means that community-based health insurance should not happen in Uganda—or that people do not want insurance. It doesn’t even mean that user fees and waivers won’t ever work. But there is highly relevant evidence from Uganda and the surrounding region that it is quite optimistic to describe community health insurance and user fees as central supports for sustainable financing in any sector of the health system. And now for the best-case scenario In the best-case scenario22, the Ugandan approach does exactly what it sets out to do, and so does the Liberian fee structure and revolving pharmacy fund—though I’ve not confirmed that these are in the MoU. In one best-case scenario, Uganda is an outlier, and user fees and community health insurance are not recurrent pillars of self-sustaining financing in other countries’ implementation plans. In another best-case scenario, all countries that include these strategies enjoy success beyond anyone’s evidence-informed wildest dreams: reliable funding generated by health care users fees, great health care outcomes for everyone, no exacerbation of inequities, no crippling household debt. No sold land, repurposed school tuition or high-interest loans. In the best-case scenario, not one of the hundreds of thousands of Ugandans living with HIV receiving antiretrovirals from 491 PNFP facilities misses a refill or leaves care because of user fees or community health insurance premiums. This is the best-case scenario for these people for their own health, and for their families. It is also the best-case scenario if Uganda wants to stay on the path to eliminating HIV as a public health threat. According to the country’s most recent data, 96.5 percent of people living with HIV on antiretrovirals are virologically suppressed. Epidemic control depends ensuring that 95% of people living with HIV know their status, 95 percent of those individuals are on ART, and 95% of those individuals are virologically suppressed. Uganda is still struggling with the first “95"—a frankly abysmal 85.3 percent. If HIV epidemic control and the attendant prevention of new infections, avoidable suffering and premature death matter, the country cannot afford to lose any clients who are currently in care.23 As I write this a couple hours before the polls close for the US elections in the city I live in, I say with soul-deep sincerity: I am rooting for the best-case scenario. I think it’s safe to say that we all are.24 I think it’s also safe to say that if the US and co-signatory governments have inked plans that lead to successful expansion of community health insurance and strategic use of user fees, we all would like to know, now, so that we don’t miss the opportunity to celebrate when success happens. The implementation plan narratives have to enter the public domain. They are the fullest expression of a strategy co-created by two governments. There are assumptions and details that people living in the US and co-signatory countries need to understand that are not available in the MoUs or, to date, in the Congressional Notifications. Some of these details can help other countries that are, as I write this, still working on implementation plans. Others, like a solid count of how many other countries have plans for expanding user fees or health insurance, are important for regional and global health architecture reform initiatives. No matter how this election night turns out, there will be a slew of new Congressional member orientations, briefings and talking points papers in the next few months. Release of implementation narratives should be a bullet point in every context that AFGHS is discussed. These documents can be redacted so that procurement sensitive information isn’t disclosed. There is much more historical precedent for sharing such documents than there is for relying on user fees to fill health financing gaps. Let’s look at the information together so we can hope for the best and prepare for, you know, the other thing. Alt text: A substack first: a bicep selfie! It’s my arm - peachy-white skin, black shirt (flannel, notch neck, too hot for this appallingly balmy November weather, if you’re wondering) and a sticker that says I VOTED 2026. Beige letters on red for I voted. Beige on blue for 2026. You bet I did.25 In your wildest dreams. Subscribe 1 This is a really, really rich 95 page document. There are fascinating ideas and detailed plans in it. It is all worth reading AND I have, in this post, highlighted an instance of content that could pose challenges and certainly posits success of strategies that haven’t worked before. I would love to hear what readers’ see that’s interesting and should be lifted up as something to check for in other implementation plans. I will also shortly be adding a static page to the substack site where implementation plan documents will live. I will put the url into this footnote and it will also be there on emilybass.substack.com by the end of the week. Uganda Implementation Narrative Section 4 April 22 2026 Draft 1.51MB ∙ PDF file Download Download 2 User fees are costs charged for visits, labs, medicines or other health services, usually at the time they are provided. Community health insurance, or community-based health insurance, is what the World Health Organization calls “micro insurance,” which is health insurance targeted at low-income people. 3 As usual (by which I mean always), please prove me wrong. 4 https://smartnewsliberia.com/liberias-ministry-of-health-announces-2025-hospital-service-fees-for-public-facilities/?utm 5 https://moh.gov.lr/news/2025/grand-cape-mount-leaders-residents-embrace-new-community-pharmacy-program/?utm 6 https://www.christianitytoday.com/2026/09/hiv-usaid-pepfar-africa-foreign-aid-cuts-mission-hospitals/?utm 7 https://gh.bmj.com/content/10/11/e021270 8 https://www.who.int/news-room/fact-sheets/detail/community-based-health-insurance-CBHI 9 https://pmc.ncbi.nlm.nih.gov/articles/PMC2827475/ 10 https://pmc.ncbi.nlm.nih.gov/articles/PMC10861328/#b3-jpmph-23-110 11 https://pmc.ncbi.nlm.nih.gov/articles/PMC527704/ 12 Same citation as the footnote 2 - the article is called “Learning from failed health care reform in Uganda.” To which I say: If only. If. Only. 13 There is a whole taxonomy of user fees to be aware of, if not commit to memory. Out of pocket costs are everything that someone pays for themselves. In this Stack, user fees are planned and policy-supported out of pocket costs. There are also out of pocket costs that people pay to buy drugs or receive tests or health care assessments that would be free if the drugs were on the shelves, or the machines or kits were available, or the staff were on site. A user fee is usually designed to be modest, pegged to willingness to pay, and may be waiveable at the point of care for anyone who is unable to do so. The costs for things that would otherwise be free are whatever the market will bear and people either have to pay them or go without. Out of pocket costs for services and stuff that aren’t available in public facilities are different again from bribes or unofficial fees that some health workers may impose, even though most are indefatigable, tireless and tired, and devoted to their clients. 14 For the record—which really is these footnotes—I would give a whole stack of fridge magnets for a systematic analysis of the economic and social impact of the Mass Unemployment Event in AFGHS countries among the very people who used to be able to afford and cover user fees, both for themselves and vast family networks. Locally employed USAID technical staff, house cleaners, caregivers, drivers and technicians were financial anchors for cousins, friends, friends’ children, friends’ childrens’ cousins, teachers, pastors, neighbors and so many other kinds of kin. Aid recipients lost direct funding; many other people who had not been aid recipients, but parts of the elaborate care webs that function as safety nets for so many people, lost crucial support too. And that’s even before we get to the people who worked at the hotels and restaurants and bars where people employed by the US and its implementing partners used to spend disposable income. Those businesses have lost revenue; those folks have lost jobs. It will be some time coming—and someone will have to fund this work—but I do hope it happens. And I hope, as usual, to be proven wrong. 15 https://eprcug.org/blog/how-out-of-pocket-healthcare-costs-keep-driving-ugandans-into-poverty/ 16 Another straight-to-the-point journal article title. Households experiencing catastrophic costs due to tuberculosis in Uganda: magnitude and cost drivers. https://pubmed.ncbi.nlm.nih.gov/32938411 17 https://www.cehurd.org/download/technical-policy-brief-on-community-health-insurance-scheme/?wpdmdl=13661&refresh=6ae9122f5d4ed1793659439 18 https://pmc.ncbi.nlm.nih.gov/articles/PMC10125197/ 19 https://pmc.ncbi.nlm.nih.gov/articles/PMC10861328/#b3-jpmph-23-110 20 https://ugandapost.news/uganda-to-make-health-insurance-mandatory-by-2026/ 21 https://shu.org.ug/download/235 22 With a nod, tip of the stack hat, and wag of the Mercoon tail to a deeply valued reader who told me that I have a tendency to speculate about the worst-case scenarios a little too much of the time. 23 https://news.mak.ac.ug/2026/10/uphia-2025-shows-ugandas-hiv-status-awareness-gap-despite-strong-treatment-outcomes/ As you’ll see in the next footnote, I’ve already written a subSubstack on another topic, so I will be brief with regard to the study referenced in this article. The Uganda Population-Based HIV Impact Assessment, or UPHIA, will never happen in this way again. For more than a decade, PHIAs have been supported by the US government as a way to generate accurate estimates of country progress on key HIV indicators. They are a holdover from the PEPFAR program that was laser focused on ensuring US taxpayer dollars subsidized progress in pandemic control. There may be other population-level surveys and the data may even be publicly released, as the entire set of FY2026 MER data have not. But PHIAs will never happen again. If you’re wondering whether the estimates of HIV progress at country level might get less reliable….you’re not alone. 24 Ooh baby, I hate “we” in almost all forms. But sometimes I go there, when I am looking for company, which I am. Because this Stack moves into the somewhat-uncharted territory of assessing what the implementation plan narratives may suggest about co-signatory countries’ roles and responsibilities to the people living within their borders. The MoUs, specimen and data sharing agreements were templates. Countries’ answers fit into pre-specified questions that did not include, “how are you going to fill financing gaps and stabilize your health system as this plan unfolds?” In contrast, the implementation narratives are open form—the product of co-creation between the two governments. Co-creation can mean lots of things, but nothing leads me to believe that implementation plans are ghost-written by the US government, or that contents were imposed by the US counterparts. Instead, I think the parts of the plans that read like country government initiatives are endorsed, if not initiated by, those governments. For instance, the Ugandan implementation plan narrative describes plans for revenue-generation through fees charged for equipment calibration, repair and maintenance provided through Uganda’s National Equipment Calibration Laboratory, and laboratory accreditation through the Uganda National Accreditation Service (UGANAS), targeting private sector, PNFP, research and academic clients. That’s super specific and also quite ambitious. It doesn’t read like an American idea. There’s also a provision for solar panels, and other stuff that feels country owned and driven. This is where it gets interesting. If co-creation is the case, then both the US and co-signatory governments are accountable for the contents and the outcomes. Most discourse about AFGHS to date has focused on the decisions that America has made, or demanded that other countries make. The AFGHS architects have monopolized the hot seat. As they should, in so many ways. America absolutely created the conditions under which countries needed to come up with health financing strategies to fill unanticipated, catastrophic funding gaps. And with not-too-long a lens, we can look back and see that America is also on the hook for its role in the Bretton Woods institutions that made user fees and health system fiscal austerity conditions of loans during the era of structural adjustment. But in the here and now, it is not at all clear to me that the US is requiring Uganda or any other country to implement specific approaches to sustainable financing. Instead, it is as the authors of that paper up in footnote 6 suggest: African governments have agency. As implementation plans roll out—whether or not the narratives are shared—it will be important to understand what this agency looks like and what it means for people, including the poorest of the poor. And it will be important to figure out how to talk about it safely, respectfully and critically in places other than the literal and metaphorical footnotes. 25 This week’s song is “Once upon a time” by the Moody Blues. (I know, this is gonna be a weird, largely banger-free end of 2026 playlist. HMU with requests.) AND please do watch the video and appreciate the truly amazing opening sequence—a drum kit wasteland, a coupla plastic bags, a bit of sand. Sort of like the hill where fiscal austerity policies that put costs on health care users might go to perish. But then there’s a lady with amazing hair. It’s worth it.

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Nov 3 • 11:57 PM EST • Health • emilysbass.substack.com
Vikings mentioned among 'dream trades' for new DL

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Nov 3 • 11:40 PM EST • Sports • sports.yahoo.com
Democrat Jon Rosenthal appears on track to win Texas Railroad Commissioner race

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Nov 3 • 11:38 PM EST • Politics • houstonpublicmedia.org
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Michigan approves Proposal 2, citizen-lead effort to limit corporate influence in politics

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Nov 3 • 11:14 PM EST • Politics • michigandaily.com
Tom Jones reclaims 36th Senate District for Republicans

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Nov 3 • 11:14 PM EST • Politics • lancasteronline.com
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Nov 3 • 10:55 PM EST • Entertainment • ew.com
JB Pritzker and Juliana Stratton declared winners

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Nov 3 • 10:49 PM EST • Business • chicagobusiness.com
Which sports figures won or lost in the midterm elections? Tracking 7 big names

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Nov 3 • 10:48 PM EST • Sports • nytimes.com
‘Lawyer up’: Democrats take the House, and warn Trump’s family businesses are first in line for subpoenas

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Nov 3 • 10:47 PM EST • Business • fortune.com
U.S. Rep. Lloyd Smucker reelected to 6th term

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Nov 3 • 10:40 PM EST • Politics • lancasteronline.com
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UNM football is all about their business on the field as national buzz grows

Local Reporting You Can Trust

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Nov 3 • 10:33 PM EST • Business • krqe.com
15 players to watch amid NFL trade deadline buzz
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Nov 3 • 10:32 PM EST • Sports • sports.yahoo.com
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False accusations and unverified claims quickly spread about Election Day voting

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Nov 3 • 9:53 PM EST • Politics • pbs.org
Democrat Roy Cooper will flip North Carolina Senate seat
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Nov 3 • 9:24 PM EST • Politics • cnn.com
Democrat Jamie Ager flips U.S. House seat in North Carolina

Democrat Jamie Ager flips U.S. House seat in North Carolina.

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Nov 3 • 9:23 PM EST • Politics • pbs.org
JB Pritzker says his reelection as Illinois governor shows hope is winning out over fear

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Nov 3 • 9:17 PM EST • Politics • pbs.org
WATCH: Roy Cooper speaks after flipping North Carolina Senate seat for Democrats

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Nov 3 • 9:10 PM EST • Politics • pbs.org
University of Toledo to launch online master’s degree in data science and AI in spring 2027

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Nov 3 • 9:01 PM EST • Science • 13abc.com
WATCH: Rep. Mike Collins speaks after loss in Georgia Senate race

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Nov 3 • 8:53 PM EST • Politics • pbs.org
Juliana Stratton makes history with Black women in the Senate

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Nov 3 • 8:46 PM EST • Politics • pbs.org
Mobile medical clinics keep mothers and babies healthy

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Nov 3 • 8:45 PM EST • Health • worldvision.org
Counseling and Psychological Services supports UTA students’ mental health

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Nov 3 • 8:45 PM EST • Health • theshorthorn.com
University of Toledo to launch online master’s degree in data science and AI in spring 2027

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Nov 3 • 8:43 PM EST • Science • 13abc.com
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Small fire found behind store sign in central Lincoln, LFR says

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Nov 3 • 8:43 PM EST • Business • 1011now.com
North Carolina voters elect Roy Cooper, state’s first Democratic senator in 10 years

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Nov 3 • 8:31 PM EST • Politics • theguardian.com
USC Back in the Spotlight After Win Over Ohio State Produces Top-Tier Ratings

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Nov 3 • 8:28 PM EST • Sports • sports.yahoo.com
CAMC to receive $3.9 million in public funding for rural health training and worker support

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Nov 3 • 8:26 PM EST • Health • mybuckhannon.com
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Caitlin Clark Makes Her Opinion Around Valkyries Winning WNBA Championship Against Dream Extremely Clear

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Nov 3 • 8:18 PM EST • Sports • sports.yahoo.com
Phillies Talk: The end of Alec Bohm with the Phillies?

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Nov 3 • 8:14 PM EST • Sports • nbcsportsphiladelphia.com
AP Voter Poll: Senate voters in South Carolina have doubts about Darline Graham’s experience

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Nov 3 • 8:10 PM EST • Politics • pbs.org
Chilling Health Update On Former Penguins Veteran Forward

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Nov 3 • 8:04 PM EST • Health • sports.yahoo.com