#and this dept makes $1 more per hour than the rest of the store at baseline

[lesenbyan]

The great news for me is all the ableists that have been in charge of my department are No Longer and the one I thought was returning went to a different department.

Unfortunately, there is still every chance I'll be shoved back on freight only in a few weeks when another coworker returns from a leave for surgery

[prorevenge]

Contractor abandons project mid-way, resulting in damages. Tries to go off the grid. But I found him and now he's paying me every penny.

This is a bit of a long one so I will try to keep some details out that aren't necessary to the story but if I am happy to answer questions if something isn't clear. This whole story takes place over the course of a year, Appx Dec 2016 into Dec 2017, and through March this year.

So the story begins with my needing to hire a contractor to repair damage to a pole barn that I was constructing on our property. The structure was partially done when a storm hit and the structure had substantial damage. So, we bid a few contractors and the guy that seemed to be the best one (who was actually a referral from a friend), we signed a contract and he started work within a week. We had also signed with him to complete the structure after the insurance portion was completed because his crew could do this much more efficiently and a better job than we could do ourselves (which is what we were originally doing).

His crew completes the insurance portion of the job, but then abandons the project just before starting the rest of it. No call, no email, nothing. I called and texted, and not one of my contact points was ever returned. At this point it was late December, and we thought maybe he and his crew had holiday plans but would resume right after. Then another windstorm hit and his crew hadn't braced the partially-completed structure correctly....and it almost collapsed again.

I tried for 2 weeks to find him. I even drove out to the address on the contract we signed. Which ended up being a house on a rural road, next town over. I knocked on the door, seeing his car there. No one answered. I stopped by this house several different times, trying to catch him. The last few times, his car was no longer there but the work truck of another company was. Wanting to know if he owned the house, I pulled up the tax records for it in the county it was in. Name on the house was not registered to him. So, sounds like he rented or at least was staying with a friend. The company info on the truck was registered to someone unrelated and not on the tax records. The tax records showed that the actual taxpayer of the property lived elsewhere. Here where I live, the property owner name is listed and if they do not actually live at that property (such as in using it for an investment), their address that would have the actual tax bill sent to is also on there.

Given that knowledge, I pulled the court records for him to see if maybe he had been recently arrested or if there was any other info. What I found was about 30 years of driving offenses, including a lot of DUI/DWI charges, and other records. At this point I figured he was long gone and being as I hadn't paid out any money to him for work that was not complete, I would just move on. At least until the structural engineer I hired to assess the damage to the work that was done, stated that the structure had to be started over on that part, and the building materials that the contractor had left scattered around the jobsite were also unusable due to being left improperly stored. I had hoped that the structure could just be pulled back into place and re-secured but I was told this is not the case.

So began the bigger drama and my determination to find him. So far, his negligence has cost $1200 for a structural engineer opinion (our insurance company paid for a 2nd opinion because they didn't like what ours said), $2500 for insurance deductible to the newest contractor hired to repair the exact damage that happened 3 months prior, and $7,000 in materials that his insurance company refused to cover or pay for, and my insurance policy on the project did not cover either. The adjuster for his insurance company said that he was able to locate the contractor but refused to give up any information for him directly.

That and the fact that the project wasn't finished had detriment to my farm and boarding business because two of my pastures that were connected to where the building was sitting, couldn't be used. This limited my ability to use natural pasture grass in summer months by rotating pastures for each herd, and had to purchase hay, which gets quite expensive.

By the time the building was completed, and I could get my pastures back to normal, I had losses of over $14,000. Because I didn't know where he now lived, I used the only address I had for him to file for small claims court, which here has a limit of $15,000. The court documents I served came back undeliverable. This meant that I was kind of stuck because a court date cannot be scheduled until all parties are properly served. But how do I find an address for someone who doesn't seem to register to any particular address directly?

Time was still on my side as this was still early-mid last year. So I kept a watch on social media for anything with his name, which was a VERY unique one. If there was another man of the same name within this state, within even the same metro area, it was unlikely because of how unique the name was. Then one day this past fall, after google searching the name again, there it was: his Facebook page. His name hadn't shown up before on FB with several searches. Not sure why this was the case. Even better, all his settings were set to public. I could see everything he wrote about. Including his recent commitment to stay sober earlier in 2017 (just after he abandoned my project), and... his employer's name! He had posted a pic of him on a jobsite and someone asked where he worked now. He named the place. So a quick google search and voila! Got an address to serve him court papers to. So I re-filed with the new-found address. But I still needed a home address to enforce the judgement once I won the case.

So what did I do? Seeing that he was listed as 'single' in his page, I used a fake FB profile that I originally had in use to test various features I enable on pages that I start up under my real profile. Truthfully, i only used that profile for that purpose to make sure the settings I put in place truly work. But now it would serve another purpose. Getting this guy to give me all the information I needed, playing on his being middle aged and single.

To create my alter ego, I found a website of a cute blonde lady in her 40's (so as to not be too young for him, since he was around mid-40's himself), and just yanked pics. I only set one to the profile photo, and would use the rest if he asked for more. I changed all the pics in the profile to look like it was a typical page of the average mid-40's female.

Holy crap did this work... and it worked so well. I used some information I found on his page to strike up a conversation about stuff stolen out of his work truck in the alley behind his house (big clue!) and it was reported to the city police dept (he named the city, so another big clue).

So, using this information, and telling him I had grown up in the same area, I got him to give me a general area where he lived. Keeping conversation cool like "is the pizza joint still there? They've been around forever" etc so he wouldn't get suspicious. Thank goodness for Google Maps giving me a better idea of that area so I could talk about it like i did in fact grow up there. In reality, I have only ever been in that city twice, and other times drove through on the way to somewhere else.

I was able to narrow down the area he talked about, and using that info, I pulled the police report records from that city. There were 3 reports done within the same area on that same day he reported. So... using that information, I pulled the county tax records to see who owned the houses. I found 3 houses within that area that could possibly be rentals since the owner name and taxpayer billing address did not match. This could be a long-shot to find the person, but I didn't have anything to lose by searching. Just as I was about to call the homeowners to see of anyone by the name of the contractor rented from them, he posts some info on his page that made the calls completely unnecessary. He posted the name of his roommate in a status update, who I then check out the profile of. The profile lists the roommate's landscaping business. A quick google search of that business name and BINGO... his state business registration address matched 1 of the 3 addresses I suspected to be the rental house.

So now I have his home address. He had already been served at his employer's address for the court date. Fast forward to the court date. He didn't show up, which I suspected he wouldn't so I got default judgement. Between serving him papers and the court date passing, the FB profile I was using to talk to him was helpful in getting info out of him about his life, his job situation, how much he made per hour (me feigning knowledge about what construction trades paid), and the fact that he was looking at changing employers. He even told me the name of that employer. So I was armed with info, should he decide to not work with me.

He played right into my hands. Once I got the official judgement from the small claims court win, I decided to contact him myself on FB using messenger. I sat down and wrote out a whole paragraph to him, first typing it on Word so that I could print it out and edit it, and have my husband read it as well.

I wrote that while I was angry at him, I was going to give him ONE chance to work a deal with me, rather than using our state dept of revenue play collection officer for me. I hate dealing with our state dept of revenue. They make the IRS look like Sunday school teachers. But...if it came down to that I would, and they would start garnishing his wages, and here they take 25% of each paycheck after taxes, and have the person's employer do it for them, and then send it to me. However, I hate letting the state be the middle-man because they just complicate things. But I told him straight out that if he refused to work with me directly, I would go to that extreme. I told him that I know he's an addict and has had struggles in the past. I told him that knowing he has had struggles, I was willing to work with him directly and give him an opportunity to offer a monthly payment amount that works for him and his budget, rather than have the state decide the amount for him.

To shorten this up... he replied, agreed, signed (and had notarized) a monthly payment agreement, complete with a list of manual labor tasks that he could use in place of a payment or two to help with some projects on my farm.

TL;DR Contractor ditched a project, resulting in significant financial damages that I could not recover via insurance. Used social media and my intimate knowledge of how to use public records to find people, along with a fake FB profile that appealed to his lonely side. Ended up finding him after over a year, and used my knowledge and rights of the court system to get him to pay me monthly rather than garnishing his wages, which I had every right to do. So far so good and it is nice having that payment show up every month.

(source) (story by Meschugena)

[covid19updater]

COVID19 Updates: 07/23/2020

US: RUMINT/Analysis: Critical Update 07.23.2020 This is only the beginning. This morning I took the time to pour over on the ground reports from an especially hard hit area of Texas. It is a town of about 350,000 people that I'm very familiar with as I lived there for 5 years and still own property there although I haven't been there in about 5 years now. Despite it being a very backward and uneducated place, this town issued a stay at home order and was conducting temperature checks before there was a single case of COVID in the county. The first confirmed case was on March 21st. Local experts were predicting a peak in April and that by June, there would be virtually no cases. Fast forward to July- for the past several weeks the town has been consistently reporting 300-500 new cases a day and 8 people in the town are dying every day this month from the virus. Doctors and members of the police force have been lost to the virus. Lines of cars go on for miles at testing sites. Medical staff in full PPE- body suits with tape, face shields, n95 mask with a surgical mask on top of that. Many people are low income even before the shutdown ravaged the economy. The only shopping mall is now a meal distribution center where the lines of cars waiting for food are just as long as the ones at the testing sites. It is unclear how the virus spiraled out of control in this town which is almost 3 hours away from any other city. As much as I loath the place, ostensibly they did everything right from the very beginning before there was ever a known case of the virus. It seems like you can run but you can't hide from this thing. For as much disruption to daily life as it is causing, it has only burned through 2% of the population. By my calculations, even as quickly as the situation has spiraled out of control there, it will take 4 more years to reach a point of herd immunity at this rate, if that is even possible with this virus. From everything I'm seeing, this is just the tip of the iceberg. Everything we have seen and experienced so far is just one tenth of what is to come. Supply chains are already spotty, local budgets are spent and within the next week the economy will implode with bankruptcies and the end of stimulus benefits. Regional hotspots are on the verge of erupting into conflict. Economic strain and resource scarcity are all it will take to shove things off the cliff. Those places that haven't been hit very hard by the virus won't be spared, they are just waiting for their turn in the barrel.

World: New England Journal of Medicine: Antibodies Mild Infections: 73 Day Half-lifeRapid Decay of Anti–SARS-CoV-2 Antibodies in Persons with Mild Covid-19 LINK

World: Structural basis for translational shutdown and immune evasion by the Nsp1 protein of SARS-CoV-2 LINK

Japan: Report of a #COVID19 cluster in a childcare centre in Tokyo, comprising 2 adults and 20 children.

Florida: COVID-19 in Florida Microbe The latest report from @HealthyFla is out. There’s 173 new deaths reported, which is a record. Our two-week moving average for daily deaths is well over 100 per day. We were at 39 on July 1. New cases (10,249) and % positive (12.31%) also increased. And Florida dept of health reports covid death of 9 year old from Putnam County FL. Putnam County Health Officer Mary Garcia confirmed the fatality to CNN on Wednesday and said she was unaware of any underlying medical conditions in the girl's case.

RUMINT/Analysis: here is what i see at the moment. it is not much really. The local governs. have to keep the economy moving to get paid the sales taxes. they already lost enuf from the 1st lockdowns to growl to the states for $$.thius is why they want schools open. with both parents working,the local govern's see double the income. won't work that way. but is their theory. this is another "kick the can down the road plan". here is the problems. 1 is not enuf $$ to make up for the lost time. not enuf items to sell to bring in the sales tax.CHINA still dead in the water means no goods being sentg to stores. the local govern will still b short $$ since they lost months of tax $$ already. how long before this is an issue? best bet is going to b layoff local govern workers so they get kicked to the state UI dept. this won't buy much time. can they get to spring financially? think the local govern's have different fiscal years than the normal taxpayer or calendar year. we have xmas in the middle. how bad are things and how much does the state and local govern really know? NOV-DEC is the biggest shopping mths to bring in that sales tax. however, u do not want to p*ss the ppl off and panic them in these mths either.unless Santa has a magic wharehouse, where do all the goods come from to sell? based on waht we know and the DR report, the lockdown has to occur in Oct at the latest. farther than that will lead to riots and the govern losing control over the ppl. i don't think there is enuf supply to buy them into JAN. now since it is an election year, can they kick the can into NOV a week or 2? will TPTB do that if the DEMS are losing the election? tipping popint seems to b between mid OCT to mid NOV. all depends what TPTB decide is their best move with the election. watch for "flue season" to start as soon as schools open. expect death counts for OCT. expect the situation to b 50-100x as bad as now.

US: The coronavirus threatens auto industry recovery as cases rise and more employees miss work LINK

UK: Covid-19: England could need another lockdown in winter, say government’s chief advisers. LINK

Australia: Melbourne lockdown could last until Christmas as state battles coronavirus cases LINK

RUMINT (Texas): Yeah just saw a verified report that in the McAllen area it is killing entire families. Local funeral place there is doing 3 funerals a day. They did so many this week that their backhoe broke down and workers are now digging graves by hand with shovels.

California: California reporting 157 dead in the last day, biggest daily deaths since pandemic began

World: Scientists discover coronavirus in the EARS of two dead Covid-positive patients as studies suggest hearing loss may be a rare symptom of the infection. Another study on 20 symptomless patients, with no history of hearing problems found that hearing abilities worsened after the infection had passed

Georgia: ~4,300 new cases (3rd highest daily), and it's not bc testing is up. Testing is down, but the positive % is 17.1%. Current hospitalizations remain ~same while new hospitalizations up 431 (3rd highest).

US: UNITED STATES - 2,600 new cases per hour. Cases of coronavirus contamination exceeded 4 million on Thursday, with an average of more than 2,600 new infections per hour.

Florida: Level 5 emergency” in Florida — 6,700 nursing home residents & staff infected with coronavirus in July. The 129% rise is blamed on major delays in getting COVID19 test results & letting people enter facilities WITHOUT proof they’re not infected. LINK

US: About 40 percent of U.S. adults are at risk for severe COVID complications LINK

World: Coronavirus can travel 26 feet in rooms with cold, stale air—like meat plants LINK

US: Trump cancels in-person Republican convention in Jacksonville, Florida LINK

RUMINT (Hong Kong): Hk update Record cases two days in a row It’s out of control in city City is shutting down again and schools have no opening date Today large groups in supermarkets some panic buying  Acute bed shortages in hospitals Hk Government has ample reserves but lacks common sense and keeps making blunders like kept boarders open , not strictly quarantine people Still no mass testing and test results takes several days and people are moving about  Social distancing was a joke in hk and now we have major clusters This so called second wave is just starting  Most people who can are working from home  Hk maybe couple of months ahead of rest of world for second wave Be warned and prepare for 3-6 months bug out supplies

World: Huge: Masks LOWER SEVERITY of COVID too! Masks definitely reduce transmission, but scientist now think that MASKS CAN ALSO MAKE ILLNESS MILDER. How? masks may limit the dose of virus people get, & result in less severe symptoms of illness. on evidence.

RUMINT: FWIW, My bank branch was closed due to Covid exposure. The phone number taped to the door linked to someone who had worked there b4 the covid closure. They were at another branch in the process of closing it due to exposure. I had to wait 10 minutes w/o a guarantee of non-exposure to put some items into my safety deposit box. They drove to the branch to let me in...God only knows what it would take if more branches are closed and no one to retrieve items. Just passing it on. This shit is real.

Texas: COVID-19 patients will be ‘sent home to die’ if deemed too sick, Texas county says LINK

California: Dozens of top influencers gathered for a massive Hype House birthday party despite record COVID-19 numbers in California LINK

World: COVID19 Projections based on machine learning LINK

[sportsgeekonomics]

If you are a university struggling with budgetary issues, PLEASE READ before making dumb athletic decisions... please

Ok, so say you are a mid-major university and you rely fairly heavily on your annual NCAA distribution to support your athletic department.  You were counting on $2mm and you got $600K.  Ruh, Roh, Scooby!

Now the NCAA comes along and says they want you to give MORE SCHOLARSHIPS TO SPRING ATHLETES?  Are they nuts??!??!  They squelch down off your school’s largest source of athletic revenue and then they want you to increase athletic expenses?  WTF?

Ok, calm down potty mouth, I’ve got some basic economics for you to help you see why having more spring-sport athletes on campus might help your improve  your coronavirus-threatened university’s P&L for 2020-2021.  And you can thank me by trying to internalize this mantra: “accounting figures are a useful, human-created fiction but when they conflict with reality, you should choose reality”

Let’s build a hypothetical school in a hypothetical world.  Let’s invent a school, say, the University of Corona.  And as we all know, the school’s athletic teams are known as the Ragin’ Viruses.

Normally Corona is at, or very close, to capacity.  But because of the social distancing scare, they sent everyone home early in the 2019-2020 academic year and for whatever reason, a bunch of sophomore and juniors chose to transfer prior to the 2020-2021 year.  So there is a one-time glut of unused dorms and you expect your classrooms to be like 3/4 full come Fall Semester.  Your entire campus administration is reeling from the impact.  If tuition revenue is down  25%, that’s a huge hit to Corona’s ability to pay professors, staff, and to support athletics.  No one is happy with the possibility of cuts, but cuts may be needed.  As athletic director of the Ragin’ Viruses, you’re asked to find a way to either cut the net impact of your $4.5 million budget on the university as a whole by 5% or increase revenue by a similar amount to avoid cuts.  That’s $225,000 you need to come up with 

Now the NCAA comes along.  In our hypothetical world, there are only 2 Spring sports, men’s sportball and women’s sportball.  Both are equivalency sports (for non NCAA masters, this means that you are allocated x full scholarships but you can spread them over more than x students).  Let’s just say each sport allows 10 GIAs (i.e. what people often call athletic scholarships), and Corona tends to spread it over 20 athletes.  Assume a Full GIA has a listed Cost of Education of $25,000, split as follows:

Tuition & Fees: $10K

Room: $10K

Board $4K

Books: $1K

TOTAL: $25,000 per full GIA per year.

(side note: “Cost of Education” is a term of art somewhat distinct from “Cost of Attendance” -- the difference being CoE excludes Travel Expenses and Personal/Living Expenses that are costs born by student but not paid to schools.  schools that pay “Full COA” provide a cash payment to cover those extra 2 categories, and these are sometimes called a COA Stipend.  In this example, Corona Univ does not give COA Stipends to Spring sport athletes.)

So your spring sports athletes GIAs are listed on you Membership Reporting Financial System (MFRS) entries as 40 athletes (20 men, 20 women) each at 50% scholarship, and thus your GIA expense is 40 x 50% x $25000 = $500,000.

Last assumption, and this is a strong one: assume none of your sportball athletes can afford to attend Corona without a scholarship.  If they lose their GIA, they’ll transfer to a local college or drop out.

With me so far?

Well one very obvious way to reduce your budget by $500,000 would be to just cancel all Spring sport GIAs, which reduces your budget by more than 10%, way more than the 4.5% you were asked to contribute.  You feel like a hero.  But is that really going to help Corona U as much as you think?

TLDR: Nope.  Here’s why:

When you cut those 40 scholarships, your listed scholarship expense drops by $500,000.  Woot, budget balanced and you even saved the school a lot extra!  Except your Provost didn’t ask you to cut your budget by $225K.  She asked you to cut the impact of your budget on the overall campus finances by $225K.  Which means you need to take a whole-university perspective.  And when you cut those scholarships, the athletes who got them drop out of Corona.  Meaning that they collective pay in less in tuition and fees (40 people x 50% x $10,000 = $200,000) and less in room (40 people x 50% X $10,000 = $200,000), etc.  Leaving Books and Board to the side for a moment, by cutting your GIA budget by $500,000, you’ve just reduced university revenue by $400,000 just from lost Tuition, Fees, and Room revenue.  That’s not going to win you points with the Provost.

And worse still -- when you used to pay the $500,000 in GIAs, you didn’t actually give money to students.  You send money to... the Bursar, on campus.  So when you stop giving scholarships, you actually reduced the Bursars revenue by another $500,000 as well, meaning that your $500,00 savings got erased, plus you lost another $400,000 (and we haven’t even looked at books or board yet)

Ah, but you say, by not having those students on campus, you’re saving the costs of actually educating them.  Gotta take that into account as well.  Ok, well, what does it cost to provide a room to a student if you have spare dorm rooms sitting idle?  Remember this whole crisis were started by a one-time shock to the system from the virus where your enrollment declined by 25%.  You have empty dorms sitting there, earning no money and costing very little to maintain.  Maybe it costs $100/semester for electricity and housekeeping, but it’s basically cost-less.  And the same goes for tuition.  If the classrooms are 75% full, there is almost no cost to having more people attend the same lectures, have their papers reviewed by the same teaching assistants, etc., attend office hours of professors with time to spare, etc.  You aren't actually saving any costs because (with spare capacity) on the margin, tuition and room have no incremental costs.  They are all fixed costs (again, if you are under-capacity).

So you didn’t save your school a dime -- you reduced outside revenue by $400,000, and you lowered athletics listed expenses by $500,000 but you also lowered the bursars listed revenue by $500,000.  You just cost the school $400K.  If this were Oregon Trail, you’d be dead in a river.

Ah, but what about books and board -- those have real costs.  If I don't have to feed 40 hungry athletes, that saves some money, right?  And if I don't have to provide books, that saves money too, right?  And the answers there are yes and yes.  But it’s not as much of a savings as you think.

Corona University, like a lot of schools, has a contract with Barnes and Noble to runs its own bookstore and with a food service provider to run its cafeteria and meal plans.  When anyone makes a book store purchase (even athletics), 20% of the revenue goes to the school.  When anyone pays for a student’s meal plan (even athletics), 10% of the revenue goes to the school.  So for books, when the athletic department cancelled 40 GIAs, you caused the following changes:

(a) The bookstore got $40,000 less in revenue (40 people x $1K in book spending)

(b) the school thus got $8,000 less in revenue. (20% of total)

(c) the athletic department spent $40,000 less. 

(d) thus the net savings was only $32,000, not $40,000.

For board, the effects are similar but food is more expensive and you get a lower benefit:

(a) The food service provider got $160,000 less in revenue (40 people x $4K in food spending)

(b) the school thus got $16,000 less in revenue. (10% of total)

(c) the athletic department spent $160,000 less.

(d) thus the net savings was only $144,000 ($160K-$16K), not $160,000.

Ok, so yes, when we ignored board and books, you ended up harming the school by $400,000, and now that we look at board and books, we see you saved the school $176,000, so the net “benefit” of your cutting 40 athletes’ 50% GIAs is to reduce total campus revenue by $224,000.

This may be what Donald Trump learned to do at Wharton, but for the rest of us this is a bad way of doing business.  You were asked to improve things by $250,000 and instead you harmed the school by $224,000.

Ok, well, how to fix things then?

Well, let’s add to our hypothetical.  Assume the NCAA just told you that you that you can double your GIAs for 2019-2020 on a one-time basis.  That is, you can add 40 GIA equivalencies for Spring sports in 2019-20.  And just imagine that a whole lot of schools out there just cancelled men’s and women’s sportball (or went out of business altogether) or that there just happen to be a ton of extra sportball athletes looking for scholarships.  So you make a cool Corona U video featuring your lovable mascot, COVID19 (that’s his uniform number, of course), and it goes, well, viral.  You find 20 additional women and 20 additional men who very much want to come to Corona if you can give them your standard 50% sportball GIA.  So you do, and you budget now says your expenses just increased by $500K.

Now you might be saying to me, um, what part of save money don’t you understand, Adam Smith?

Ah, but let’s run the numbers.

40 more people come to campus.  They pay the bursar each $12,500, so in total, they bring in $500,000 more in revenue on their own.  Plus you give the bursar another $500,000 to cover the other half of the scholarships.  That’s a gain of $1 million in revenue on the Bursar’s account.

Now athletics, it is true, is down $500,000.  Thus, so far, the next gain is $500,000.

The students get rooms that cost nothing (b/c of the glut of empty dorm rooms) and they fill seats in classrooms that bring no additional cost.

The bursar does need to send $40K more over to the bookstore, and only 20% of that flows back in to the bookstore revenue (b/c Barnes & Noble takes 80%), so books do cost the school, and on net the cost is $32K.

Ditto, the food service process.  Of the $25K per student the bursar’s dept. got, they sent $4k per person to the food service firm and only 10% flows back to the school.  On net, this costs a total of $144K.

And so the bursar’s $500K profit is reduce by $176K, meaning the school has just gained $224,000 by adding 40 athletes on 50% scholarships.  

Wow, you’re only $1K away from meeting your goal.  The last $1K comes from selling off the golden toilet in your personal executive bathroom.  Sorry, but times are tough here, so tough even Athletic Directors have to rough it a bit.

Obviously, these numbers are stylized and not every assumption is as easy as this.  Perhaps not all athletes will drop out if their scholarships are cut.  Perhaps finding more athletes willing to attend won’t be that easy.  Perhaps it costs a lot more to provide electricity to dorms so that there are somewhat lower benefits from filling an empty room.  But conceptually, if you have empty class space (with excess teaching capacity) and empty dorm space (with excess sleeping capacity), you are going to lose money if you don’t fill it with a paying customer, even if that paying customer is not paying full price.  Ask cruise lines, or at least ask them after they finish bleaching their ships, why they offer last minute steep discounts on cruises if they have empty rooms.  it’s because the cost of cleaning one more cabin on a ship, even a deep daily Corona clean, is a small portion of the cost of running a cruise ship, and most of the costs are fixed (i.e., independent of how many passengers are on board).  The same is true of a university: as long as the school has empty dorms and empty seats in class, bringing in a partial scholarship student is going to be a net benefit as long as the portion paid by the athlete exceeds the marginal (i.e., incremental) costs of feeding the athlete and providing books, because most of the rest of the incremental costs are trivially small.

If you are AD, I beg you not to hurt your beloved school by a false belief that accounting expenses are the same thing as lost money.  I hope you can learn the lesson of Corona University and stop the spread of this sort of viral econ-illiteracy.

[judefan844-blog]

their teammates on top of double decker

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Italy death toll overtakes China’s, 25 million jobs at risk

This is CNBC’s live blog covering all the latest news on the coronavirus outbreak. All times below are in Eastern time. This blog will be updated throughout the day as the news breaks. 

Global cases: More than 229,000

Global deaths: At least 9,300

US cases: At least 10,755

US deaths: At least 150

All data above is provided by Johns Hopkins University.

2:00 pm: Nearly 25 million jobs could be lost globally

The new coronavirus could claim up to 24.7 million jobs, according to International Labour Organization (ILO) estimates.

The United Nations’ labor agency suggested this was a worst-case, or “high,” scenario of global unemployment but said internationally-coordinated policy response could mean a significantly lower impact. In this case, it estimated a “low” unemployment scenario of 5.3 million. It therefore calculated a “mid” scenario of 13 million jobs lost, 7.4 million of which would be in high-income countries. —Vicky McKeever

1:47 pm: Dow rebounds, recovering earlier losses

1:36 pm: State Dept to instruct Americans not to travel abroad

The State Department is expected to announce a level four travel advisory applying to all U.S. citizens for international travel amid the deadly coronavirus outbreak, NBC News reported, citing two officials with knowledge of the matter. 

The advisory, the highest of its kind, would instruct all Americans abroad to either return to the U.S. or prepare to shelter in place. The level four advisory also dictates that Americans cannot travel abroad. Less than a week ago, the State Department upped the travel advisory to level three, which calls for U.S. citizens to reconsider travel. —Amanda Macias

1:22 pm: US cases top 10,000, New York leads the surge

1:18 pm: Italy’s death toll overtakes China’s

A worker carries out sanitation operations for the Coronavirus emergency in Piazza dei Miracoli near to the Tower of Pisa in a deserted town on March 17, 2020 in Pisa, Italy.

Laura Lezza | Getty Images

Italy’s death toll has hit 3,405, meaning the country now has more reported deaths than China.

The death toll in China, where the coronavirus originated in Wuhan, in Hubei province late last year, currently stands at 3,249, according to data compiled by Johns Hopkins University. 

After sweeping through China in early 2020, the virus spread to Europe where Italy — and particularly the northern Lombardy region, which is home to financial hub Milan — became the epicenter. —Katrina Bishop

1:14 pm: Charter staff reportedly continue to report to offices against government guidelines

Staff at Charter Communications are continuing to report to the telecom’s corporate offices, shirking government guidelines that Americans avoid gatherings of more than 10 people, according to a Tech Crunch report. Staff in offices around the country have shown symptoms of the flu-like illness, according to internal communications seen by TechCrunch, and employees told the outlet that several have tested positive. Charter did not immediately provide a comment to CNBC but denied one of the positive tests reported by TechCrunch. —Lauren Feiner

1:04 pm: Key Democrat Hoyer says House will look at ‘all options’ to tweak voting as virus hits Congress

12:53 pm: Retail group says White House should allow key businesses like truck rest stops, pet stores to stay open

Customers line up to shop at a Costco store in Brooklyn as the Coronavirus, COVID19, outbreak continued unabated on March 19, 2020 in New York City.

Victor J. Blue | Getty Images

A major retail trade group is asking the White House to clarify its guidance and help keep pet stores, truck rest stops and distribution centers open.

In a letter to President Donald Trump, the National Retail Federation’s CEO Matthew Shay said some state and local officials are ordering retailers to shut down to prevent the spread of the coronavirus – but closing businesses that should stay open. They said the government should also clarify CDC instructions to limit gatherings to less than 50 people, saying they should not apply to big-box stores, grocers or wholesale clubs where there’s space for people to spread out.

The group called for a broader definition – of “essential retail businesses.” They listed retailers that should be exempt from mandated closures, including pet stores, distribution centers, farm stores with livestock feed, hardware stores, gas stations and highway rest areas for truck drivers. —Melissa Repko

12:47 pm: Dentists reduce hours, postpone elective procedures to combat coronavirus

Dr. Allen Ghorashi reduced his dental practice’s hours this week because of the coronavirus, but he hoped he could still help patients who needed fillings, dental implants or other routine procedures.

He changed his mind after seeing the most recent guidelines from the American Dental Association urging dentists in the U.S. to postpone elective procedures and only offer emergency care. Ghorashi’s practice, Valley Dental Group in Ramsey, N.J., will only see emergency patients for the next two weeks.

Dentist offices across the country are changing their practices to align with these guidelines. Others are shutting down completely. —Hannah Miller

12:40 pm: European shares close 3% higher in rocky session after stimulus

European markets closed higher, after some volatility during the session, with investors monitoring the coronavirus outbreak and digesting new policy announcements from the European Central Bank (ECB) and the Bank of England (BOE).

The pan-European Stoxx 600 closed up 2.9% after rebounding either side of the flatline throughout the day. Telecoms stocks jumped 5% to lead gains while basic resources fell 0.4%. —Holly Ellyatt, Elliot Smith

12:32 pm: Coronavirus $1,000 relief check plan not even final yet and experts say fraudsters are already looking to cash in

12:22 pm: Trump says he is ‘OK’ with forbidding buybacks as condition of corporate bailouts

President Donald Trump said that he would not oppose barring companies that receive federal assistance during the coronavirus pandemic from conducting stock buybacks.

“It takes many many people in this case to tango, but as far as I’m concerned conditions like that would be okay with me,” Trump said during a White House press conference. —Tucker Higgins

12:13 pm: Tesla will take temperatures of Fremont factory employees and hand out masks, internal email says

Tesla is taking extra precautions at its Fremont car assembly plant to prevent the spread of the COVID-19 coronavirus, according to an e-mail the company’s North American head of human resources, Valerie Workman, sent to employees overnight. Among other measures, employees will have their temperatures taken before they enter the factory. 

The e-mail to employees from HR also said Tesla would rearrange operations as much as possible to enable “social distancing,” allowing people to keep 6 feet apart from one another. Masks would also be distributed to workers throughout the day, the e-mail promised. —Lora Kolodny

12:07 pm: Trump directs FDA to examine whether malaria drug can be used for coronavirus

President Donald Trump said he directed the Food and Drug Administration to investigate whether an existing drug given to malaria patients can also be used to treat the novel coronavirus.

The announcement at the daily coronavirus briefing came hours after Treasury Secretary Steven Mnuchin said that the White House’s massive economic stimulus proposal would include $500 billion for direct payments to Americans. —Berkeley Lovelace Jr., Kevin Breuninger

12:03 pm: Trump doubles-down on blaming China for coronavirus pandemic

U.S. President Donald Trump speaks speaks on the latest developments of the coronavirus outbreak, while flanked by White House coronavirus response coordinator Debbie Birx (L), and U.S. Surgeon General Jerome Adams (R), in the James Brady Press Briefing Room at the White House March 19, 2020 in Washington, DC.

Chip Somodevilla | Getty Images

11:55 am: MLS postpones more matches, considers pushing back end of season

Major League Soccer extended the postponement of its matches in order to follow CDC guidance to postpone events involving more than 50 people over the next eight weeks. MLS said in a statement that it is focused on playing the entire 2020 season. The league is currently evaluating options such as pushing back the end of the season and playing the MLS Cup in December, which is when it was held prior to the 2019 season. —Hannah Miller

11:48 am: Oil surges 23%, on track for best day ever, rebounding from Wednesday’s steep losses

U.S. oil jumped 23%, putting it on track for its best day on record, clawing back more than half of the losses from Wednesday’s steep slide.

U.S. West Texas Intermediate crude rose 23.4%, or $4.77, to trade at $25.12 per barrel. International benchmark Brent crude jumped 9.5%, or $2.37, to trade at $27.29 per barrel. —Pippa Stevens

11:44 am: Cramer: ‘We cannot have the fat cats make money at the expense of the workers’

CNBC’s Jim Cramer said that whatever happens on the other side of the coronavirus crisis CEOs should not benefit more than their employees.

“I like anything that protects the workers,” Cramer said on “Squawk on the Street.” “We cannot have the fat cats make money at the expense of the workers.”

The “Mad Money” host was lamenting the moral hazards of the 2008 financial crisis, when companies got bailouts and chief executives got incentives as many workers lost their jobs. —Matthew J. Belvedere

11:30 am: Disney warns that coronavirus is making it hard to predict future performance

Disney is warning investors that the coronavirus pandemic has affected so many of its business segments that it’s becoming more challenging for the company to estimate its future performance.

“We have closed our theme parks; suspended our cruises and theatrical shows; delayed theatrical distribution of films both domestically and internationally; and experienced supply chain disruption and ad sales impacts,” the company said in a filing with the Securities and Exchange Commission. —Sarah Whitten

11:21 am: Bank of England cuts rates again and ramps up bond buying to combat coronavirus impact

The Bank of England (BOE) cut interest rates to 0.1% and ratcheted up its bond-buying program, in an effort to offset the economic impact of the coronavirus outbreak.

At an emergency meeting, the central bank’s monetary policy committee voted unanimously to lower borrowing costs by 15 basis points and to increase the BOE’s bond-buying program to £645 billion ($752 billion US), up £200 billion.

The BOE had previously cut rates to 0.25% from 0.75% on March 11. —Sam Meredith

11:11 am: New York Gov. Cuomo orders 75% of non-essential workforce to stay home as cases surge to 4,152

New York Gov. Andrew Cuomo ordered 75% of the workforce in non-essential services to stay at home, approved mortgage relief and took other measures.

Cuomo said the state confirmed 1,769 new cases in the last day, bringing the number of confirmed cases in New York to 4,152 and pushing the total number of COVID-19 infections in the U.S. well over 10,000, based on the state’s new case count and data compiled by Johns Hopkins University.

Due to the spike in COVID-19 cases, Cuomo ordered 75% of the workforce in non-essential services to stay at home, a 25% increase from a day earlier. Essential services include businesses dealing with food, pharmacies, healthcare, shipping, and supplies. —Berkeley Lovelace Jr., Noah Higgins-Dunn

11:08 am: What to do if you can’t make your rent or mortgage payments

Millions of U.S. households are expected to face financial burdens in the wake of the coronavirus pandemic. If you are facing reduced hours or job loss and are worried about making your rent or mortgage payment this month, stay calm — President Donald Trump said Wednesday that the Department of Housing and Urban Development will suspend “all foreclosures and evictions” through the end of April.

That said, you will still want to discuss your options with your mortgage lender or landlord if you have experienced a disruption in your income. CNBC’s Make It offers advice on how to deal with landlords and lenders. —Alicia Adamczyk

11:02 am: Restaurant reservations grind to a halt

Restaurant reservations made through OpenTable ground to a halt in five U.S. cities on Tuesday as restaurant dining room restrictions go into place, according to data from the company. Honolulu’s restaurant bookings have fallen the least, with a decline of 55% compared to a year ago. The Bookings Holdings platform only tracks reservations, not takeout or delivery. —Amelia Lucas

10:49 am: L Brands stops taking new lingerie orders online

The owner of Victoria’s Secret and Bath & Body Works said it is suspending all “new” online orders for lingerie in the U.S. and Canada from March 17 through March 29.

L Brands said, instead, its Bath & Body Works business online will be prioritizing hand sanitizer and soap sales. It said this business is being fulfilled by a third party.

L Brands said all workers will receive pay and benefits during the shutdown. It had already announced earlier in the week it was closing all of its stores temporarily. But it is trying to get some Bath & Body Works locations back up and running sooner. — Lauren Thomas

10:31 am: Uber stock skyrockets after company says it has plenty of cash to get through crisis

Uber CEO Dara Khosrowshahi during the Bloomberg Global Business Forum in New York, September 25, 2019.

Shannon Stapleton | Reuters

Uber stock rose as much as 35% after the company held a call with investors before trading began and said the company has plenty of cash on hand to get through the coronavirus crisis and is seeing growth in other areas of the business as rides fall dramatically as people stay home.

CEO Dara Khosrowshahi said the company’s rides segment is seeing a 60% to 70% decline in areas hit hardest by the coronavirus pandemic, but has also seen growth in its food delivery business Uber Eats.

“We believe we’re already seeing worst of the impact and the recovery in some places,” Khosrowshahi said on a call with analysts. “Once things start moving, Uber will too.” —Jessica Bursztynsky

10:27 am: Trump wants direct payments of $1,000 for adults, $500 for kids in stimulus bill, Mnuchin says

Treasury Secretary Steven Mnuchin laid out details of the Trump administration’s plan to send Americans relief money as part of a massive stimulus package to blunt the impact of the novel coronavirus crisis. Mnuchin said in a Fox Business Network interview that the plan would send payments directly to Americans totaling $500 billion.

That money would be divided into two large tranches.

“The first one would be $1,000 per person, $500 per child. So for a family of four, that’s a $3,000 payment,” Mnuchin said. “As soon as Congress passes this, we get this out in three weeks. And then, six weeks later, if the president still has a national emergency, we’ll deliver another $3,000,” Mnuchin said. —Kevin Breuninger

10:23 am: Coronavirus could kill millions in the US: ‘Do the math,’ CDC advisor says

The new coronavirus could kill millions across the U.S., said Dr. Kathleen Neuzil, director of the Center for Vaccine Development at the University of Maryland’s School of Medicine.

“It would not surprise me,” she told CNBC when asked whether the U.S. could see millions of deaths. “We need to prepare for the worst.”

Neuzil sits on the Centers for Disease Control’s Advisory Committee on Immunization Practices and is part of the leadership team of infectious disease experts working with NIH to test a coronavirus vaccine and therapies to treat those sick with COVID-19.

“We have 350 million people in the United States, and you do the math,” she said on CNBC’s “Squawk Box.” If 70 million people are eventually infected with this virus and again if there are multiple waves of this virus, then you can do the math and then you can get there.” —Will Feuer

10:11 am: Stop & Shop, other grocers have special shopping hours for seniors

Long lines form at a grocery store in Waltham, MA on March 13, 2020 as citizens stock up amid growing coronavirus cases.

Suzanne Kreiter | Boston Globe | Getty Images

Early each morning, customers at Stop & Shop who are older or more vulnerable to the coronavirus will have a new way to fill up their refrigerator and pantry: An hour and half when they can shop before other customers arrive.

Stop & Shop, Target, Walmart, and Amazon-owned Whole Foods are among the grocers testing the new approach to try to protect people with a higher risk of getting sick as confirmed cases of COVID-19 rise across the U.S. As Americans prepare for prolonged stays inside of their homes, grocery stores have drawn large crowds and frenzied shoppers.

By designating special time slots, retailers aim to make it easier for senior citizens and shoppers with medical conditions to safely navigate stores and buy food and household necessities. —Melissa Repko

10:07 am: Democrats warn that one or two direct payments to Americans won’t be enough

Democrats are gearing up for a fight over whether direct payments to Americans struggling with the economic fallout of the coronavirus pandemic will be enough. Senate Minority Leader Chuck Schumer is among those arguing for expanded unemployment insurance as a source of relief.

“A single $1,000 check would help someone pay their landlord in March but what happens after that?” the New York Democrat said on the chamber floor Wednesday. “A thousand dollars goes by pretty quickly if you’re unemployed. In contrast, expanded unemployment insurance — beefed-up unemployment insurance — covers you for a much longer time and would provide a much bigger safety net.”

An aide for Schumer did not immediately answer whether the senator opposed to the concept of direct payments entirely, or just the form currently outlined. —Lauren Hirsch, Kevin Breuninger

10:01 am: Ex-Trump advisor Gary Cohn warns the US will have ‘massive unemployment very, very quickly’

Gary Cohn

Kristoffer Tripplaar | The Washington Post | Getty Images

The U.S. unemployment rate will rise swiftly and dramatically as the coronavirus brings the American economy to a stop, former top White House economic advisor Gary Cohn told CNBC. “I believe that we are going to have massive unemployment very, very quickly,” Cohn said on “Squawk Box.”

Cohn’s comments came shortly after the Labor Department said jobless claims rose to 281,000 last week, an increase of 70,000 from the week prior.

The former Goldman Sachs president is not alone in forecasting a continued jump in unemployment. Pantheon Macroeconomics’ Ian Shepherdson earlier told CNBC he thought next Thursday’s jobless claims could soar to around two million. —Kevin Stankiewicz

9:56 am: GM, Ford studying whether auto factories can be used to make medical supplies

General Motors and Ford Motor are studying whether they can use their auto factories to support production of ventilators and other medical equipment to help combat the coronavirus pandemic sweeping across the nation.

GM CEO Mary Barra spoke with the Trump administration Wednesday about the automaker’s decision to pause production, the company said in a statement. “She also indicated GM is working to help find solutions for the nation during this difficult time and has offered to help, and we are already studying how we can potentially support production of medical equipment like ventilators,” according to the statement.

Ford also confirmed the company has had preliminary discussions with the government and is looking into the feasibility of producing medical equipment. —Noah Higgins-Dunn, Phil LeBeau

9:53 am: Flattening the coronavirus curve — What this means and why it matters

The World Health Organization has repeatedly underlined the importance of “flattening the curve” in order to tackle the coronavirus outbreak, calling on countries around the world to impose sweeping public health measures.

In epidemiology, the curve refers to the projected number of new cases over a period of time.

In contrast to a steep rise of coronavirus infections, a more gradual uptick of cases will see the same number of people get infected, but without overburdening the health-care system at any one time.

The idea of flattening the curve is to stagger the number of new cases over a longer period, so that people have better access to care. —Sam Meredith

9:50 am: Three pillars of Trump’s case for reelection are collapsing all at once

President Donald Trump speaks at an evening “Keep America Great Rally” at the Wildwood Convention Center on January 28, 2020 in Wildwood, New Jersey.

Spencer Platt | Getty Images

In just over a month, the three pillars underpinning President Donald Trump’s argument for reelection have all collapsed. Trump’s reelection campaign was designed under the premise that the economy would be strong through November, but that’s not true anymore.

Trump also planned to make socialism a central focus of his attacks. But without Bernie Sanders to run against, this argument becomes a lot less potent.

Finally, Trump campaigned on “draining the swamp” of big government. Now he wants Americans to trust in big government to fight coronavirus and save the economy. —Christina Wilkie

9:44 am: Bank of America says the recession is already here: ‘Jobs will be lost, wealth will be destroyed’

Bank of America warned investors that a coronavirus-induced recession is no longer avoidable — it’s already here.

“We are officially declaring that the economy has fallen into a recession … joining the rest of the world, and it is a deep plunge,” Bank of America U.S. economist Michelle Meyer wrote in a note. “Jobs will be lost, wealth will be destroyed and confidence depressed.”

The firm expects the economy to “collapse” in the second quarter, shrinking by 12%. GDP for the full year will contract by 0.8%, it said. —Pippa Stevens

9:32 am: Stocks fall slightly a day after the Dow closed below 20,000 for first time since 2017

Stocks opened lower, building on the previous session’s steep losses as the coronavirus crisis rages on.

“Markets are clearly in a state of panic and forced liquidations – but risks remain skewed to the upside and this should become much more apparent once some of the solvency issues are addressed,” Adam Crisafulli, founder of Vital Knowledge, said in a note.

The moves followed yet another violent day on Wall Street on Wednesday. The Dow dropped 1,338.46 points, or 6.3%, on Wednesday and clinched its first close below 20,000 since February 2017. The Dow was down more than 2,300 points at the lows of the session. The S&P 500 dropped 5.2% to 2,398.10 and closed nearly 30% below a record set last month as both indexes sank further into bear markets. —Fred Imbert, Thomas Franck

9:30 am: Olive Garden’s parent Darden Restaurants pulls earnings outlook and dividend

A take-out order from a Darden Restaurants Inc. Olive Garden.

Daniel Acker | Bloomberg | Getty Images

Darden Restaurants reported quarterly earnings and revenue that topped analysts’ expectations. The company also withdrew its fiscal 2020 outlook and suspended its quarterly dividend, citing the uncertainty it faces as states mandate the closure of dining rooms due the coronavirus epidemic.

Darden has fully drawn down its $750 million credit facility “out of an abundance of caution.”

“With the drawdown of our revolver, and cash on the balance sheet, we will have approximately $1 billion in cash on hand,” CFO Rick Cardenas said in a statement. “We believe this positions us well to deal with potential near term volatility under the current market conditions.” —Amelia Lucas

9:26 am: Investor Ray Dalio estimates the corporate losses in the US will top $4 trillion

Investor Ray Dalio told CNBC the coronavirus outbreak will cost U.S. corporations up to $4 trillion, and “a lot of people are going to be broke.”

“What’s happening has not happened in our lifetime before … What we have is a crisis,” Dalio said in a “Squawk Box” interview. “There will also be individuals who have very big losses. … There’s a need for the government to spend more money, a lot more money.”

The total U.S. GDP at the end of 2019 was more than $21 trillion. The founder of the Bridgewater Associates hedge fund also estimated the global corporate losses will amount to $12 trillion due to the pandemic.

Dalio said the fiscal stimulus package should be $1.5 trillion to $2 trillion at a minimum, depending on the form of the financial relief such as loan guarantees and credits. —Jeff Cox

8:41 am: Airbnb hosts lose out as cancellations pile up

Airbnb hosts are beginning to feel the impact of the coronavirus pandemic following a change by the company to its cancellation policy that has allowed guests traveling over the next month to receive full refunds on their bookings, overriding existing policies put in place by hosts to protect themselves in such situations. 

That change has already cost Airbnb hosts in California, Florida, Kansas, Utah, Michigan and the state of Washington to lose thousands of dollars in reservations, numerous hosts told CNBC. 

Now, as cancellations continue and new bookings dry up, many hosts around the country have empty calendars for the coming weeks and are facing uncertain futures as the due dates for their mortgages, utilities bills, homeowners association fees and property taxes draw near. —Salvador Rodriguez

8:37 am: Weekly jobless claims jump ahead of surge in coronavirus layoffs

Jobless claims rose to 281,000 last week, reflecting only the first indications of the impact the coronavirus will have on the U.S. employment picture. 

That number reflected a significant rise from the previous week’s 211,000.

Companies are just starting to announce coronavirus-related layoffs, many of those in the hospitality industry, so the real damage probably won’t start showing through until next week’s count, which will entail the period through this Saturday. —Jeff Cox

8:08 am: Stock futures point to more losses

Futures contracts tied to the major U.S. stock indexes pointed to more losses at the open, building on the previous session’s steep losses as the coronavirus crisis rages on.

As of 7:58 a.m. ET, Dow Jones Industrial Average futures were down more than 500 points, implying an opening loss of more than 400 points. S&P 500 and Nasdaq 100 futures also fell.

“Markets are clearly in a state of panic and forced liquidations – but risks remain skewed to the upside and this should become much more apparent once some of the solvency issues are addressed,” Adam Crisafulli, founder of Vital Knowledge, said in a note.  —Fred Imbert, Thomas Franck

7:54 am: One person dies every 10 minutes in Iran

An Iranian woman wears a protective face mask, following the coronavirus outbreak, as she walks in Tehran, Iran March 5, 2020.

Nazanin Tabatabaee | West Asia News Agency via Reuters

COVID-19 kills one person every 10 minutes in Iran, the health ministry spokesman tweeted, as the death toll in the Middle East’s worst-affected country climbed to 1,284.

“Based on our information, every 10 minutes one person dies from the coronavirus and some 50 people become infected with the virus every hour in Iran,” Kianush Jahanpur tweeted. —Reuters

7:28 am: Spain’s death toll climbs more than 200 overnight

Spain’s health ministry said its national death toll soared by 209 to 767 fatalities from the previous day as the total number of coronavirus cases climbed by a quarter to 17,147. On Wednesday, there were 13,716 cases in Spain. —Reuters

7:25 am: Virus could inflict record-setting damage on the US jobs market

The first wave of bad economic news directly related to the coronavirus crisis is likely to come from the jobs market, and that could be delivered sooner rather than later.

Virtually all of the economic data releases out now cover periods before the COVID-19 spread began to zero in on the U.S.  Some of those reports have hinted at a slowdown heading into the worst of the virus period, but the extent of the damage has been hard to gauge. That will change over the next week or so when the Labor Department releases the tallies for weekly jobless claims. The latest weekly unemployment numbers are expected out at 8:30 a.m. ET. —Jeff Cox

7:08 am: Italy’s lockdown will be prolonged, prime minister says

Two carabinieres are seen at a checkpoint during the coronavirus outbreak 18, 2020 in Milan, Italy. Italian Government continues to enforce the nationwide lockdown as measures to control the coronavirus spread. (Photo by Pier Marco Tacca/Anadolu Agency via Getty Images)

Pier Marco Tacca | Anadolu Agency via Getty Images

Italy’s lockdown is set to be extended beyond the current end-date of April 3, Prime Minister Giuseppe Conte said as its death toll rises at a record rate. Speaking to Italian newspaper Corriere della Sera, Conte said measures taken to close schools and universities and to restrict movement throughout Italy would have to be prolonged.

“The total blockade will go on,” Conte said. “The measures taken, both the closure of [public] activities and the ones concerning schools, can only be extended,” he told the paper. —Holly Ellyatt

6:33 am: Europe’s chief Brexit negotiator Michel Barnier has coronavirus

Michel Barnier, who leads the EU’s Brexit negotiations, has said he has contracted the virus. Announcing the news on Twitter, he said he was “doing well and in good spirits.” —Holly Ellyatt

6:20 am: Burberry’s sales plunge 80%

Burberry was already closed inside of Macy’s earlier in the week.

Source: Lauren Thomas, CNBC

Luxury brand Burberry said sales in the final weeks of March would plunge by up to 80% as the impact of coronavirus on consumers, already seen in China, has spread to Europe and the U.S. The British brand said like-for-like sales in the final weeks of its financial year to March 28 would be down 70% to 80%, and as a result fourth-quarter sales would be 30% lower, Reuters reported. —Holly Ellyatt

6:14 am: Medtronic says it has increased ventilator production by 40%

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simple auto insurance quote

"simple auto insurance quote

simple auto insurance quote

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I am a male, 24 years old (turn 25 in july), student.... what is the cheapest car insurance you think I can get?""

Is this normal for home insurance?

I have AAA-California home insurance and we had an incident yesterday involving a squirrel and our fire suppression sprinkler lines. AAA says they only cover the damage caused (carpets, sheetrock, moisture, etc.) by the squirrel eating through the lines, but will not cover the cost of repairing the lines. Is this standard for all home insurance, or do I just have a crappy policy?""

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I am doing a fairly in depth project for school and I need to find out how much it costs to insure a small retail jewelry store. Obviously it depends on allot of things but for the purpose of this project I just need a rough number. Thanks!

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my moms trying to help him by getting him on her health insurance, but it looks like the only way to do that is by mariage and she really doesnt want to marry the guy. looking for ...show more""

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I'm looking to get a quicker car, I've been looking at WRX, Speed3, and GTI, but they are all really expensive on insurance for a 19 year old, are there any comparable cars that might be a little less on insurance rates?""

Suggestions for health insurance.?

I'm an owner operator truck driver which a means I need to get my own health insurance. I'm seeking the best coverage for the money.

Idea of what monthly insurance rates are for new drivers?

I am a new driver and would like an idea of insurance rates for new drivers, I know its high. i live in Connecticut and so far Ive been told AAA is the cheapest for new drivers. Also would i pay more if i drive and SUV rather than a car Any advice on how i can pay at least a reasonable amount monthly?""

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My son leaves Ireland tomorrow Sat 17th Nov to fly to San Diego. He has rented a car to drive to Seattle - everything appears to be arranged. But I want to check he has adequate car insurance that is needed/required? He is over 25 years and has normal Travel Insurance.

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I am 18 years old, and live in Northern BC. I have had my N license for just over a year, I have had NO accidents or tickets. I have a 1995 Honda Civic 4 Door. I am a very safe driver and I have been unlucky to find a good quote. Do you think it would be around $100/month?""

Are we required to have health insurance?

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""If you have Amica car insurance, how much does 1 speeding ticket cost you?""

I live in Massachusetts. Have a perfect driving record but now I'm charged with 1 speeding ticket. How much more in insurance premiums will it cost me if I plead guilty? It's a regular speeding ticket, not DUI or wreckless driving. THanks""

Where can I buy good Health insurance?

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How much would motorcycle insurance cost for a 17 year old boy?

How much would motorcycle insurance cost for a 17 year old boy?

My teeth are breaking.ineed to find a dentist that will help me with no insurance?

roots are in my gums.bad breath

""Help! looking for affordable healthcare insurance in atlanta, ga?""

i am a single mom recently laid off from work. i have asthma and take a prescribed drug every day. i am running out and just to see my dr. for a new rx is $125 and then for a 30day supply is $150. too costly for me. i have tried research online for healthcare companies but keep getting redirected to other sites. i am looking for insurance around $100 a mnth that could give me a copay of $25-35 for visits and prescriptions. can anyone offer any advice. all this health care insurance is so confusing, with the detuctibiles etc.""

How much would Insurance be for a Porsche 924 in Britain?

Hey guys, I am going to be turning 21 this August and hope to pick up a porsche 924 up. Do you know roughly how much this would cost me in terms of insurance costs? Thanks in advance! -R""

What type of term life insurance to get?

I am a 23 year old male that has type II diabetes. I have around $40,000 worth of debt from student loans, and I'm going to be getting married in a year. My parents currently ...show more""

Is Insurance rates on red cars more expensive?

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Cheap car insurance in london.name of company ? please?

Cheap car insurance in london.name of company ? please?

How to reduce the price of your insurance for a 18 year old? (in the UK)?

Hey, i just wanted to know if anyone knew ways to reduce the price. At the moment i know some insurance companies reduce the price if you have done something called pass plus Also adding a parent onto YOUR policy can also reduce the cost (not the other way round, that's illegal if you drive it more then they do!) Thanks, i only want a Ford Fiesta, but insurance is looking at 1500+!""

simple auto insurance quote

simple auto insurance quote

Do you have affordable auto insurance?

If not, it may be time to switch to Safe Auto.""

Insurance help please?

Took a hpt and it was positive. I am going to the health dept to get another pregnancy test. I don't have insurance (I know it was stupid to get prego with no insurance) but I know I can get TennCare. If I take a note from the health dept nurse to dhs, when will my insurance start? Can I go see an ob right away? Or do I have to wait until I get a letter from dhs?""

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Car Insurance in the UK?

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Does where you buy the car affects its insurance?

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Pre-Existing Conditions health insurance...?

I've had epilepsy since I was 5 years old, I'm now 24. I came across a comment on a website a few minutes ago about there being some kind of federal law where it's ILLEGAL to deny someone coverage because they may be in poor health, overweight, etc... aka having a pre-existing condition . If this is true about there being a law AGAINST it, why are SO MANY health insurance companies allowed to deny people w/ pre-existing conditions right off the bat? There are THOUSAND upon thousands, if not MILLIONS, of people in the U.S that have some kind of pre-existing condition, whether minor or major. So wouldn't that mean that there are THOUSANDS of insurance companies that are running their business illegally & breaking the law? I mean, breaking a state law is one thing, but a FEDERAL law is a pretty big deal!! Washington makes such a big deal about how so many people in our country don't have health insurance & they say it's because people can't afford it . But I think the REAL reason is that because MOST of those people have a pre-existing condition & they're getting thrown to the curb because of it... Comments on this???""

Work and Car insurance?

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Can i get my own car insurance policy at 16?

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Business Insurance?

I have a customer who wants to require that we have the following insurance: (View link to see exactly what they want) http://fatteds.net/insurance.jpg How do I go about getting this? Who do I call? How much will it cost? estimate is ok... Darn government contract!!!! Thanks in advanced

Where do I find health insurance for low income families?

My children are on state funded health insurance, but my husband and I are uninsured. He is a full-time student and I work 2 part-time jobs. Neither of my jobs offer me health insurance because the companies are small. I've looked into student health insurance, but it's REALLY expensive. Doesn't Obamacare allow for insurance options for low-income families? Or do we have to wait until he graduates and gets a job to be able to get health insurance???""

""Primary Mortgage Insurance, California?""

I live in southern California. I recently called my bank about refinancing my mortgage. I was advised if I refinance, the PMI insurance I pay will go from $168 to about $340 or something. In other words, by lowering my rate, my PMI goes up. Is this true? I would assume the PMI would lower or stay the same since its now easier to make payments. Please advise...""

simple auto insurance quote

simple auto insurance quote

Why is the insurance company bothering me?

Two months ago I was sitting a red light and was hit from behind . Now the driver's ins. company wants me to reimburse them. Why? What should I do? I'm trying not to think the worst, but when I got out the car she was on the phone and said her husband is a police officer and was sending his friend to the scene. This makes me wonder if some untruth is involved here.""

Massachusetts Health insurance?

Massachusetts Health insurance? I am in fifties and currently living in California. Due to the California high cost of medical insurance, My wife and I are thinking of moving to Massachusetts state, get a small home there and retire there eventually. The reason that we are thinking about is that we overheard Massachusetts have a much lower health insurance cost ($50/month ?). Please advise us if you are currently living in Massachusetts state or other states that have less expensive health care insurance and housing cost. You advise is greatly appreciated. Jo""

What do you pay for auto insurance?

Do you consider it reasonable or not? thanks for answering. Please let me know where you are from. just looking at the statewide quotes.

Should I accept this settlement offer from an insurance company?

I was in a car accident when a girl blew a red light and smashed into my side. $10,000 in auto damages that was fixed rights away. (btw she admitted fault to police so im 0% at fault legally) I went to emergency room for precautionary reasons. That cost $1450. Then little by little the pain started to kick in. I had neck pain, shoulder pain, back pain and terrible pain in my knee. I had MRI on back, knee and neck because those were the worst. That total was about $1800. I was told by the doctor that the mri on my back said I have two herniated disks and I should do therapy. I listened to him and went four times per week for four months. The Mri on my neck came back good. But my knee showed a tear in mcl. I had surgery on that and had to see the surgeon in his office twice plus hospital bills which equals a bill of $14,500. I then needed 2 months of therapy on my knee. Also all the pain meds ive been taking through out the whole process is around $600. I had a ekg for my nerves to test if they were good and that cost $800. So after doing my research I find websites that say the settlement amount s should be all bills multiplied by 3 depending on the persons insurance carrier and coverage. Well this person has $200,000/$200,000. So far all my bills have been paid through my insurance. When I do the math for what all the bills are is comes to roughly $28350. I didn't include the four days per week for therapy and seeing the doctors. That has to be a big chunk also. My lawyer called me and said he was made an offer of $42,000. He gets a 1/3 of that. I think they low balled me soooo bad on this. If i use the X3 multiplier method then it should have been somewhere around $85,000 offer. Remember I didn't even include all the visits to the therapy. Is this a good offer or should I decline and wait for second offer? My lawyer thinks we should wait it out because he has such a big insurance policy that we can get much more especially since that was our first offer.""

Shopping for car insurance?

what are some good car insurance agencies out there?

I am 6wks pregnant. Insurance companies wont accept me now. What do I do?

I am afraid to call other places and tell them I am pregnant b/c i know they wont accept me. I need to find a place that will cover me and my baby. I don't know where to start to look. Help please to point me in the right direction.

Insurance Fraud?

Is it considered insurance fraud if someone files a car insurance claim and uses the money for something other than fixing the car?

Auto insurance In australia?

im moving over to aussie soon im thinking of getting a 2nd hand car. i have been driving for 10 odd years. am 33 yrs i want to know how much does it cost for auto insurance in aussie(melbourne). any brands you would recommend? here in singapore we pay ard $1030 for driving many years and WITHOUT any accidents. if your in accident and its our fault they reset the amount back to 1300-1500 per year pls advice.

Car insurance on car i want to sell?

I am trying to sell my car because my uncle left me his old truck and I don't need two vehicles. Since I don't want to have insurance on both cars, is there a way for me to just have insurance on the car only when it is test driven by someone interested in buying it?""

""Do you think that the government ought to put a cap on car insurance ,and the prices they charge since its law""

car insurance is at rediculous rates. government says everyone has to have it , and insurance companies are making it almost impossible to afford. I have a wife and 2 kids we have to have 2 vehicles. but i can't afford the insurance on either one of them. now i'm breaking a law. what does anyone else think.""

How many percent state farm increase insurance premium for 4 points in new york state?

How many percent state farm increase insurance premium for 4 points in new york state?

Not allowed to be insured on my mum's car because i work in a pub?

Hi, im starting work in a pub this weekend and in order to get to work etc my mum phoned her insurance company (more than) and asked how much it would be etc.. and they said im not allowed to be insured because ill be working in a pub and there might be a scuffle or something and the car might be damaged.... WHAT? are they serious?! well they are because they wont insure me!! can they do that? what ways round this are there? they have my details already, so i dont think phoning back and telling them a different occupation will work because they already know ill be in a bar. Can you please help me out here? i really need to be insured on my mums car, i cant afford my own car and i need this job to work out, but it wont unless i get this insurance!!! Thanks (im 22 years old by the way, male)""

""In Texas, do you need Liability Insurance (if you don't own a car) to obtain a valid drivers license?

Do you need liability insurance if you don't own a vehicle?

Where to buy workers compensation insurance cheap in NY state?

Where to buy workers compensation insurance cheap in NY state?

How much would insurance cost me on a 2008 Mustang GT?

I'm 17, I've never had a ticket. If I were to get it under my mom's name with me as a driver, how much do you think it'd be?""

Auto insurance quotes?

Auto insurance quotes?

Car insurance?

Can you own a car and be covered legally in under your parents insurance? My wife and I purchased a car from her father and I want the title, but we are able to pay really cheap insurance through them...I don't want to lose that...can we have the title put in our name, but still have insurance through them?""

Car insurance nightmare!?

21 year old new driver, any type of practical car (e.g. pug 307 1.9d), car insurance is stupid money. As that is kind of expected, what I need help with is bringing down the price. Any suggestions? ...Also, it was cheaper last month than it is this month - substantially. Why?!""

Classic Car Insurance?

I am 23 years old and I have a '76 Camaro and Im looking to find classic car insurance. I have applied to various places and they say they can not cover me because I am under 25. I have an '06 mustang I drive for daily use and my current insurance on that does not have special classic car insurance. I do not want to pay over $40 a month for a car I will drive maybe once a week if even that. I am trying to restore it so sometimes I will not be driving it for months at a time. Does anyone know of a good classic/ antique car insurance that will cover someone under 25 years of age? Thank you!

Whats the cheapest price for apartment insurance?

I just started renting for $500 a mo. after lease sighned and im all moved in, they tell me i have2pay another $20 a mo. for insurance on the apartment. can thet make me buy their insurance if i find a better Deal?""

If my gf and i have full coverage car insurance but not by the same company?

me and my gf have full coverage car insurance on our cars, but we have different car insurance companies. would she be able to drive my car as well as i drive her car? If we were to get in an car accident will our insurance cover it? even though we are driving different cars?""

How much would car insurance increase?

my mother is a single mom i live with her and she just lowered her car insurance for her owned mini van to 800$ a year for her amazing record. now i am 16 years old took a drivers ed course, won a AAA award for being a mature driver and signed up for a defenisve driving course. i am a straight A student and will be gradutaing next june. i am reciving a 1999 nissan maxima passed down to me from my father for my mom to regester it under her name. if she went to the insurance company and added that car under her name and added me as a part time driver for the maxima, how much would it cost???""

Car Insurance Advice - Florida Needed?

I have been going over my policy and lowered my PIP. I have a 9 yr old SUV so no comp and collision, I would like someone with insurance or legal experience to look over my coverage and tell me if sufficient. I am a home owner with no equity. I have no other assets other than an ROTH IRA and bank accounts with about $1000. or detailed coverage descriptions, hover over the associated below 2003 MITSUBISHI MNTROSPXLS Total Vehicle Premium: $466.00 Protects you and your passengers Bodily Injury Liability [Edit] Current Limit: $20,000/$20,000 $167.00 Property Damage Liability [Edit] Current Limit: $50,000 $136.80 Personal Injury Protection-Insured [Edit] Current Deductible: $1,000 Ded. $162.20 Personal Injury Protection-Insured & Relative [Add] Current: Not Carried Not Carried Personal Injury Protection -Insured with Excluded Work Loss [Add] Current: Not Carried Not Carried Personal Injury Protection -Insured and Relative with Excluded Work Loss [Add] Current: Not Carried Not Carried Additional Personal Injury Protection Insured [Add] Current: Not Carried Not Carried Additional Personal Injury Protection Insured and Relative [Add] Current: Not Carried Not Carried Medical Payments [Add] Current: Not Carried Not Carried Uninsured Motorist - Nonstacked [Add] Current: Not Carried Not Carried Uninsured Motorist - Stacked [Edit] Current Limit: I Reject this Coverage $0.00 Protects your vehicles 2003 MITSUBISHI MNTROSPXLS Comprehensive [Add] Deductible Not Carried Collision [Add] Deductible Not Carried Emergency Road Service [Add] Not Carried Rental Reimbursement [Add] Not Carried""

Where can I find low cost health insurance in Florida for kids?

Where can I find low cost health insurance in Florida for kids?

Why is insurance so expensive?

I don't know if it depends on what state we live in but I live in Arizona and my parents used to have insurance for everything like auto and health. Now, they don't have it anymore because they're struggling with money and the price increased. My parents were legal immigrants from Mexico since 1987 in Los Angeles, California until we moved to Arizona around the early 1990s(I don't know if that also has anything to do with insurance but I guess it does with money). I'm starting to get frustrated that my family is very unfortunate to be suffering from this here in the United States.""

simple auto insurance quote

simple auto insurance quote

Cars that have cheap insurance?

im 18 and just passed my driving test, but unsure of what car(s) are cheap on insurance and road tax, is there a site i could go on to find the information i require?""

How much is car insurance for an inexperienced first year driver 18 years old in North Carolina?

Like can I get estimates from each company. I've never had a license and my family refuses to pay for my car insurance...so I have to pay it...

The insurance cost of a year 2012 Audi Q5 2.0?

The insurance cost of a year 2012 Audi Q5 2.0?

With new Social Programs and Affordable Insurance for Everyone.....?

I can see that I will have a lot more money to go spending on eating out, going on long vacations and not having to work those long hours to make it anymore. Cant wait till November, its going to be Change time. How long before these goodies are implemented by the Democrats and the bad costly programs rid of?""

Can my car insurance company take action on a DUI without a conviction?

I was stopped for a DUI, but have not yet been convicted since the court process takes forever... Well I would like to buy a new car, and it looks like my insurance company will check my record at that time. I have just checked out my record myself, and it shows that I have had my license suspended for 6 month for DUI, but it does not say that I have been convicted of the DUI. I have reason to believe that the charges will be dropped. Can they raise my rates or drop me at this point? Without a conviction?""

Pay-as-you-drive auto insurance: do you think this is a good idea?

An alliance of insurance companies and environmentalists wants to bring a new kind of mileage-based auto insurance to California and charge motorists only for the number of miles actually driven. Called pay as you drive, the option is available from a few insurers in 34 states ... as well as Canada, Japan and Europe. One company, GMAC Insurance Group, says its customers -- whose mileage is tracked by General Motors Corp.'s OnStar system -- have reduced the premiums they pay by 13% to 54%.... The system could cut motoring costs, protect the environment and reduce traffic congestion, boosters say. Opponents, mainly privacy advocates, say they fear that insurance companies could begin tracking more than just a driver's mileage. High-mileage drivers could also see higher rates. from the Los Angeles Times http://www.latimes.com/news/science/environment/la-fi-carinsure15-2008jul15,0,6970018.story""

Health insurance in CA?

I'm a college student thinking of getting health insurance that is affordable. What health insurance should I get? And what's the cost of the insurance per month? Thank you

Did you agree over a decade ago when California made police asking for auto insurance illegal?

For a few years, police were not allowed to ask for auto insurance from motorists. Much of the argument in favor of that law was that it discriminated against poor Mexicans. It was overturned eventually as auto insurance violations/irresponsibility became epidemic. How does this relate to the current law in Arizona? How does it relate to the mandatory health insurance law?""

I made a little damage in a car today. Do my insurance pay the fix ?

Hi made a damage when I was parking the car. Little Damage in my car and other person's car. Do my insurance pay it ?

What does each question on a car insurance mean and how does it increase your rate?

For example have you had insurance prior to this and what date it ends. How much you drive the car. Also I am 20 and have had insurance my prior rate was 700 for 6 months. I had two at fault accident before that insurance at 18. But only one was really at fault and I have to get proof and the other drops of my record on the 13th of August. I am trying to figure what a estimate of what my car insurance would be for a liability insurance in TX now

Learner driver insurance.?

Hi, I'm just wondering if anyone knows of any companies that offer cheap learner driver insurance. One of my friends are going to be giving me lessons but I cant find any companies that offer insurance for me in their car that is like less that 60 a month! any ideas anyone?""

Can my daughter be put on my insurance?

My daughter is 21 and she has no insurance. She is a full time college student and does not work. Can I put her on my insurance through my work? And what are the requirements?

How much do you guys think insurance would cost on a 1999 Honda cbr 600 f4 for a 16 year old in ontario?

I know there are many answers but i an general estimate, and what about a hysoung gt250r""

Car insurance for college?

I'm going to start college in a little while and i have an insurance question. i'm probably going to start at a community college that isn't too far from where i live but when i transfer It's going to be a good 300 miles away. The insurance on my car is under my dad's name and we pay next to nothing for it. Does my cars insurance have to be under my name when i transfer? It was under mine in the beginning but the payments were a lot more than they are now.

What does it mean by excess and young drivers excess?

I'm looking at a car insurance and i'm confused when it say for example 250 excess and 250 young drivers excess. Does that mean i would be paying 500 in excess or just the 250?

Why do car insurance dealers seek to punish Innocent people.?

no one has car insurance because it is unconstitutional to prove you're innocence. be honest with other drivers and do not pay for car insurance. no one can force me or my family to buy what the are advertising. THE MAIN QUESTION IS: what do you think about car insurance dealers? .

Car Insurance Help!? Will my rates go up?

Today when I got outta school, I was about to drive home and i found a huge dent on the passenger side door. So it was a hit and run I guess. Nobody left any note or anything. I drove the car home and called the cops to get a police report. the cop gave me a card with her name and the case number, but she said that if i file a claim with insurance, the company will either drop me or increase my rates. I'm a 17 year old boy and i live in maryland and im insured under geico. will my rates go up? Thanks""

Car insurance help?

Ok so im about to turn 16. my parents said they would get me a car, but only if i paid my own insurance. can u please tell me how much it would be a month. and what company would be the lowest price. i dont know if u need this info but. im 16. white ( someone told me it matters?), i live in florida (palm beach county), and the car will probably be an audi a4. can u please give me an average amount a month so i know what my goal to save up is.""

Should I trust car insurance comparison sites?

Should I trust car insurance comparison sites?

Renting a car for the first time- do I have to buy insurance bc my personal car insurance is not in my name?

My car and car insurance are under my fiancees name. I will be renting a car on my own. Do I have to buy the insurance because it's not in my name?

What is the best online source for shopping for health insurance?

My son is 20, full time college student in a different state (PA.) Home state is Ohio. I am on disability so my insurance (and my husbands') is through Medicare.. I am shopping for an individual plan for my son, and there are so many sites which offer so many choices...Not only do I need to get the insurance plan, I need to find the best web site for the query. (tried einsurance, etc..)""

Car Insurance claim or private repair?

Hi I have accidently damaged another car parked in private car park. I have been touch with the owner who has very kindly agreed to get her car repaired and not to go through insurance but she is insisting to get it repaired from garage of her choice who are charging double the amount of original cost. My first question is do I still need to inform my insurance company even though I have not given her any of my details yet. I am happy to get it repaired rather then loosing 10 year no claim bonus. Should I just agree to pay the garage of her choice or legally I can get a quote from another garage who might be cheaper? any advise would be very much appreciated. Thanks

""Does term life insurance fall under Obamacare and if not, what IS available to provide for my family?""

I have a potentially fatal disease and want to buy term insurance to leave something for my family. I'm hoping this pre-existing condition will not cause me to be denied, but if it would, is there another type I can buy under Obamacare? Thank you.""

Car Insurance! I dont get it!?

I dont understand how it works, i have looked online for some quotes for a Proton Persona 1996, insurance group 12 and i get these results. Annual Premium 1800 total excess 250 ...show more""

Any Florida (Tampa) insurance agents out there (auto)????

Well its pretty simple i have a car now and i know how much insurance i am paying now but i have a few questions since i am going to change cars in a few months i am looking at getting an Suv something like a jeep srt-8, trailblazer ss, maybe acura RDX but im not sure what kinda things make insurance cheaper like AWD vs FWD or RWD, auto vs manual etc so if you are an insurance agent and could help me please email me or im me. Thanks BTW some background info: 17 years old Male no accidents, no tickets""

simple auto insurance quote

simple auto insurance quote

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