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Bill Cosby’s accuser sentenced to $59 million for 1972 sexual assault

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A Los Angeles County jury has sided with Bill Cosby’s accusers in a civil suit over a 1972 sexual assault charge.

Donna Motsisinger, one of dozens of people who say they were victims of the 88-year-old “Cosby Show” star, was ordered to pay $19.25 million in damages on March 23, more than 50 years after Cosby allegedly drugged and raped her. Hours later, a jury ruled that Cosby must pay Motosinger $40 million in punitive damages, totaling $59.25 million.

According to Rolling Stone, the jury found that Cosby acted with “malice, oppression, or fraud.”

The $19.25 million includes $17.5 million in past non-economic damages and $1.75 million in future non-economic damages, Motsinger’s legal team confirmed to USA TODAY.

USA TODAY has reached out to Cosby’s attorney for comment.

According to the New York Times, Cosby’s lawyer Jennifer Bonjean vowed to appeal, saying, “We are obviously disappointed in this decision, but we believe we have a strong appeal and we will pursue it.”

Motsinger said in a September 2023 civil suit that Cosby drugged and raped her after inviting her to his comedy show in the Bay Area. At the time, she was working as a server at a restaurant in Sausalito, California.

Mr. Cosby did not testify during the two-week trial.

Cosby, the first Hollywood figure to be convicted in the wake of the #MeToo movement, denies all charges related to sex crimes. After serving nearly three years in a state prison outside Philadelphia for allegedly drugging and sexually abusing a Temple University employee in 2004, he was released in 2021 after his conviction was overturned by the state Supreme Court.

In 2022, a Los Angeles jury awarded Judy Hughes $500,000 in damages after she alleged that Cosby sexually abused her at the Playboy Mansion in 1975 when she was 16 years old.

If you or someone you know has experienced sexual violence, RAINN’s National Sexual Assault Hotline We offer free and confidential support in English and Spanish 24/7 via chat and 800-656-4673..

Rising costs could change Social Security’s 2027 COLA

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This may be one silver lining from the recent turmoil.

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While admittedly a little early, the most notable prediction is that retirees will receive a similar cost-of-living adjustment (COLA) from Social Security in 2027. The latest forecast is for next year’s COLA to be 2.8%, which is the same as what retirees will receive in 2026, according to the Alliance on Seniors.

However, there may be certain cost increases that result in a higher-than-expected COLA. We explain what it is, how it could affect your COLA in 2027, and why it will take some time to know for sure.

COLA may rise due to rising energy prices

Energy prices are a key component of the inflation measure used to calculate Social Security COLA, CPI-W. And the published estimates do not reflect recent trends in the energy sector.

Specifically, the Iran conflict and the uncertainty surrounding it have caused oil prices to rise significantly. Oil prices have increased a staggering 65% so far this year, and 35% in the first 12 days of March alone.

Energy is generally one of the most volatile components of inflation data, and until recently was a catalyst in the other direction. For example, CPI data for February showed gas prices were down year-over-year, and that was before the recent spike.

How much difference would it make?

The potential impact of energy surges is somewhat difficult to quantify accurately. What we do know is that energy makes up 6.2% of the CPI-W formula, roughly split between transportation fuels (such as gasoline) and household energy. This may seem like a relatively small weight, but even if energy costs rise by, say, 40%, it can have a significant impact on the overall inflation calculation.

Moreover, rising energy prices do not necessarily affect only energy category. Rising fuel costs could push up prices for food and manufacturing, which could face higher transportation costs (and be passed on to consumers).

There’s a lot we don’t know yet

One important point is that the 2027 Social Security COLA is based on: 3rd quarter inflation data. That means the Social Security Administration will compare July, August, and September inflation numbers to last year’s inflation numbers.

There is no way of knowing whether the rise in crude oil prices will continue until then. If the conflict is largely over by then, prices could plummet. If the Strait of Hormuz is closed for an extended period of time, prices could rise further from here.

In short, if the rise in oil prices continues into the summer, it could have a significant impact on Social Security COLA in 2027. But a lot can happen in the coming months, so it’s too early to know exactly what will happen.

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The Motley Fool is a USA TODAY content partner providing financial news, analysis and commentary designed to help people take control of their financial lives. Its content is produced independently of USA TODAY.

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Find out which airports ICE will be dispatched to and what they can and cannot do.

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ICE agents are being sent to major airports to ease long lines as the Transportation Security Administration faces a growing staffing shortage.

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President Donald Trump sent Immigration and Customs Enforcement officers to airports across the country on Monday, March 23, amid long security lines as the partial government shutdown continues.

Weekend absenteeism for Transportation Security Administration employees has reached its highest level since the shutdown began in mid-February, according to the Department of Homeland Security. The White House said in a March 22 post to X that police officers are working without regular pay and more than 400 have quit.

ICE officers were spotted at Hartsfield-Jackson Atlanta International Airport (ATL) and New York’s John F. Kennedy International Airport (JFK). This is where they are sent.

To help travelers understand what’s happening at airports, USA TODAY asked readers to submit questions on social media. Here’s a breakdown of the answers:

Which airports do ICE agents go to?

According to a CNN report, personnel have been dispatched to the following 13 airports:

  • Chicago O’Hare International Airport (ORD)
  • Cleveland Hopkins International Airport (CLE)
  • Hartsfield-Jackson Atlanta International Airport (ATL)
  • Houston William P. Hobby Airport (HOU)
  • John F. Kennedy International Airport (JFK)
  • New York LaGuardia Airport (LGA)
  • Louis Armstrong New Orleans International Airport (MSY)
  • Luis Muñoz Marín International Airport (SJU) in Puerto Rico
  • Newark Liberty International Airport (EWR)
  • Philadelphia International Airport (PHL)
  • Phoenix Sky Harbor International Airport (PHX)
  • Pittsburgh International Airport (PIT)
  • Southwest Florida International Airport (RSW)

The report noted that ICE officers’ duties may vary by airport and deployment plans may change. However, the New York Times reported that ICE and Homeland Security Investigations agents would be sent to a total of 14 airports (the news organization listed multiple airports and cities in the list published by CNN, but did not include a comprehensive list).

Lauren Biss, acting DHS assistant secretary for public affairs, told USA TODAY that the agency does not confirm the location of employees, citing “operational security reasons.”

Do ICE agents wear masks to hide their identity?

President Donald Trump said in a March 23 post on Truth Social that he is “all in” for ICE agents wearing masks at immigration, but that he would “greatly appreciate” them not wearing masks at airports. However, USA TODAY witnessed both masked and unmasked agents at JFK and ATL.

How will ICE assist TSA?

White House Border Patrol official Tom Homan told CNN’s “State of the Union” on March 22 that ICE agents could help free up TSA agents from other duties. “I’ve never seen ICE officers looking at an X-ray machine because they’re not trained in X-ray screening. But there are certain parts of security that TSA does, and we can get them out of those jobs and put them into specialized jobs and help move those lines,” he said.

Instead, ICE agents are being used in support roles, such as guarding exits and handling tasks other than inspections, Homan said. However, early on-the-ground reports from travelers suggest the impact is mixed, with some saying the presence of ICE officers has not significantly improved long wait times.

Homan also noted that ICE officers generally receive “high-level” training. “ICE officers are already stationed at many airports across the country, conducting many investigations and criminal investigations into smuggling at airports,” he said.

Will they arrest people or conduct immigration enforcement?

Homan told CNN that ICE officers sent to airports are not expected to conduct extensive immigration enforcement or make random arrests of travelers. The stated purpose is to support airport operations during the closure, not to conduct immigration inspections.

“This is designed to support TSA in its mission to get Americans through airports as quickly as possible while adhering to all safety guidelines and protocols,” he said.

However, it is important to note that ICE, as a law enforcement agency, has the authority to arrest individuals who have already been flagged in its system, such as those who already have a deportation order or warrant. That means while everyday travelers aren’t subject to widespread immigration checks at TSA checkpoints, targeted enforcement at airports is still a possibility, raising concerns among civil rights groups and travelers.

Can an ICE officer receive a regular salary while working as a TSA officer? Why does ICE pay but TSA doesn’t?

ICE officers continue to receive their regular salaries because they are classified as essential funded employees within the Department of Homeland Security. TSA employees are also deemed essential and must work during the shutdown, but are not being paid because their funding is tied to a spending process that is stalled in Congress.

The difference lies in the funding structure. ICE has access to much larger and longer-term funding streams, while TSA relies more directly on lapsed annual budgets. The One Big Beautiful Bill Act provides DHS with more than $170 billion in immigration enforcement funding through 2029, including nearly $75 billion in funding for ICE.

This story has been updated to add new information.

Contributors: Ignacio Calderon and Lauren Villagran, USA TODAY

Nathan Diller is a consumer travel reporter for USA TODAY based in Nashville. Please contact us at ndiller@usatoday.com.

How to deep clean wood floors like a pro

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Wood floors bring timeless beauty and a natural feel to living spaces, but cleaning them can be a nightmare.

Wood is highly susceptible to moisture, harsh chemicals, and abrasives, so it’s important to understand how to clean wood floors to avoid damage and maximize their appeal.

Do you need to deep clean your hardwood floors?

Hardwood floors don’t necessarily need a deep clean, as the finish protects them from damage. Hardwood floor surface finishes protect the actual wood from moisture, stains, and dirt, and even penetrating finishes prevent unwanted moisture.

As long as you’re diligent about cleaning up stains quickly, “spring cleaning” isn’t as intensive as it is for other types of floors.

But don’t just vacuum and sweep once every 1-2 weeks. Wood floor cleaners help keep your floors protected and restore the light shine that makes them so appealing.

How to decide on hardwood floor finishes

The first thing to do is figure out what kind of finish your wood floor has. There are two types:

  • Surface finish: Surface finishes such as polyurethane or urethane cure on top of the wood fibers and provide a physical layer of protection. Light scratches and scuffs occur at the finish level, not the wood, and moisture and water are not absorbed through the top coat. These tend to look glossier and you won’t feel the deep grain when you run your hands through them.
  • Penetration finish: Penetrating finishes, such as penetrating oil sealers and hard wax oils, penetrate the wood. It strengthens the wood fibers and helps keep moisture out, but there is no protective layer on top to prevent physical damage to the wood. It has a glossy finish similar to matte paint or eggshell paint, and the texture of the surface can be clearly felt.

Understanding the coating on your floor is important for several reasons. Wooden floors with a surface finish will better withstand more aggressive cleaning and water, while penetrating finishes require a lighter feel and minimal moisture.

Essential tools and products for deep cleaning your wood floors

As a rule of thumb, avoid harsh chemicals, products not specifically made for cleaning wood floors, and cleaning tools that contain abrasive substances.

Below is a list of products suitable for cleaning wood floors without causing damage.

  • Vacuum cleaner with option to remove beater bar/brush roll
  • 100% cotton or microfiber mop
  • Soft and clean microfiber cloth
  • Wood floor soap or natural dish soap

Some homeowners choose diluted white vinegar instead of wood floor soap, but this is not ideal since wood is sensitive to strong acids. A diluted natural dish detergent is better.

How to thoroughly clean hardwood floors step by step

Once you have gathered your materials, follow these steps to thoroughly clean your hardwood floors.

Pre-clean the steps to remove dust and surface debris

“You’ll want to vacuum the area first to remove all dust and dirt,” said Chris Willat, owner of Alpine Maze, a professional cleaning company based in Denver, Colorado.

Removing debris from your wood floors first will help you avoid scratches once you start cleaning. Therefore, it is recommended to dust after vacuuming and dry the mop to ensure that the wooden surface is clean.

Be sure to remove the beater bar on your vacuum cleaner. Brushes are abrasive and can wear away the surface finish or directly scratch the wood if your floor has a penetrating finish.

Mix and apply a safe cleaning solution

Next, you are ready to use the cleaning solution on your floor. If you mix it yourself, you need to be careful not to make the solution too thick. You can mix products like castile soap or wood floor soap with water according to the manufacturer’s instructions.

“Floor cleaning products must be free of ingredients such as formaldehyde, ammonia, petroleum, phosphates, phthalates, and parabens, meet EPA’s Safe Product Standards, and be Safe Choice certified,” says Stacey Gustafson, director of retail marketing for Bona, a floor care products manufacturer headquartered in Inglewood, Colorado. “For more severe stains, such as salt or deicer build-up on floors, look for a power-cleaning, oxygen-containing cleaning solution formulated for floors.”

Regardless of the product you choose, you should always pay attention to proper dilution. This helps maintain a healthy pH in the wood and prevents damage and discoloration.

Some wood floor soaps are commonly referred to as “squirt and mop” floor soaps and do not require mixing. In these cases, you can spray it directly on the floor and then spread it with a cotton or microfiber mop.

Proper mopping technique to avoid water damage

The goal of cleaning wood floors should be a wet mop, not a wet mop.

“Be careful not to overwater and saturate your hardwood floors,” Willat says. “Oversaturation can warp hardwood floors.”

Wood absorbs moisture easily, so using too much water increases the risk of it penetrating the finish. In that case, you may notice warping due to discoloration or expansion. If you’re using a spray-and-mop product, work in small areas at a time to avoid getting the cleaner into the wood in concentrated areas.

Mop with the wood grain to hide streaks, paying special attention to high-traffic areas where surface dirt is the most common.

Dealing with spots: dirt, grime, crevices

For light or stubborn stains, use a microfiber cloth for better results. Do not use steel wool, bristle brushes, or other abrasive cleaning tools. Using these tools can strip the finish or scratch the wood underneath.

It is best to gently rub especially on dirty areas. If that doesn’t work, you may need to hire a professional to lightly sand the area and touch up the finish. Avoid sanding the floor yourself. It’s likely to do more harm than good, and mismatched finishes will look bad.

Dry floors quickly to prevent warping

Even if you avoid wet wiping, moisture introduced during cleaning can cause the wood to warp or move slightly.

We recommend using a clean microfiber cloth or using a window or fan to provide ventilation and airflow to dry the floor. This is especially important for floors with a permeable finish, as the wood grain is less protected from surface moisture.

Troubleshooting common mistakes

Although cleaning is a relatively low-risk DIY project, there are still some pitfalls to be aware of when deep cleaning your hardwood floors.

  • Avoid steam cleaners. Steam cleaners may seem like the ultimate low-water solution for cleaning wood, but they can quickly damage your floors. Because wood expands with heat and moisture, using a steam cleaner can cause the wood to move rapidly and cause it to warp.
  • Limit water and moisture. Similarly, avoid getting the floor wet to prevent damage. Use enough water and cleaner to see the mopped area. Anything more than that can be a problem.
  • Be sure to remove any debris before cleaning. Be sure to vacuum and dry out dirt, sand, dust, and other debris before mopping. This reduces the risk of damaging the floor and upper finishing materials.
  • Avoid ammonia and other harsh detergents. Solutions with a pH other than neutral can discolor the wood. Never use ammonia, bleach, undiluted vinegar, or other strong detergents.
  • Avoid all-purpose cleaners. All-purpose cleaners are usually safe for wood floors, but they won’t restore a bright shine to the surface like oil-based soaps or wood floor soaps, so the final product won’t look as good.
  • Understand the downsides of waxing over polyurethane. It is possible to wax polyurethane-finished wood floors, but be careful as it can yellow over time, especially in areas exposed to sunlight.

At what point should you replace your hardwood floors?

According to the International Association of Certified Home Inspectors (InterNACHI), solid wood floors last more than 100 years, while engineered wood floors last more than 50 years.

The cost of replacing flooring is almost always less than the cost of refinishing, making refinishing the preferred option. However, your flooring may need to be replaced before its expected useful life if you notice any of the following:

  • Severe stains or discoloration due to moisture or strong detergents
  • deep gouges and scratches
  • Cupping or warping that can lead to uneven floors or tripping hazards
  • Wood rot or mold growth after extensive water damage
  • Sagging floorboards indicating a structural problem
  • After cleaning, the finish is clean and no longer shiny.

“A paper towel test will tell you if the finish was successful,” Willat added. “Mop the floor, then wipe the same area with a paper towel. If the paper towel is dirty, you’re done. The floor needs to be refinished or replaced.”

Hardwood maintenance frequency and long-term care tips

“Mop or mop your floors daily and vacuum, dust, or vacuum them regularly,” Gustafson advised. “High-traffic areas such as entryways and family rooms may require more frequent cleaning, especially during the winter months when snow, salt, and other wintry contaminants are regularly tracked indoors.”

Wood floors should be vacuumed or vacuumed at least once a week to remove dirt and other debris that may cause damage. If you live in a high-traffic area or have pets and are concerned about allergens, you may want to vacuum twice a week. Once every 1-2 weeks, give it a deep clean using the techniques above.

Here are some other tips to extend the life of your wood floors.

  • Wipe up spills immediately, especially if they involve red wine or coffee.
  • Use area rugs or runners in high-traffic areas to reduce wear and tear
  • Polish your wooden floors three to four times a year.
  • Plan to have your floors professionally sanded and refinished every 7 to 10 years.
  • Use furniture pads under sofa, chair, and table legs to avoid scratches and gouges.

FAQ

What’s best for deep cleaning hardwood floors?

Wood floor soaps that are specifically designed to clean hardwood floors are your best option. They are non-abrasive and help restore a gentle shine to your flooring. Be sure to read the manufacturer’s instructions for dilution and application, and always use sparingly to prevent the cleaner from penetrating the wood fibers.

How do I remove stains from wood floors?

First, sweep, vacuum, and dry mop the area. If the stain still persists, use a damp mop with a wood floor cleaner. If the problem persists, gently rub the stained area with a clean microfiber cloth to remove the stain. Do not use too much force as this may damage the floor.

Should I use Murphy’s Oil Soap on my hardwood floors?

Murphy’s Oil Soap is a reliable and safe cleaning product for hardwood floors, making it an excellent choice. Always follow package instructions for dilution and application. For a standard Murphy product, mix 1/4 cup of Murphy soap with 1 gallon of water, or 1/2 cup of soap per gallon for heavy stains. Apply using a cotton or microfiber mop to limit the amount of moisture that gets into the floor.

How can you make your engineered hardwood floors look like new again?

The best way to make engineered hardwood floors look like new again is to have them sanded and refinished by a professional flooring installer. However, if your floors aren’t scratched or dirty, a deep cleaning can also give them new life. Start by vacuuming, dry-wiping, and then mopping with wood floor soap.

What should you not clean hardwood floors with?

Do not clean hardwood floors with abrasive cleaning products such as steel wool or bristle brushes. These can directly scratch the finish and wood, increasing the risk of water and moisture damage. Also, avoid harsh chemicals and solutions with non-neutral pH. It can also degrade the protective finish and discolor the wood.

Two pilots killed when plane collides with truck at LaGuardia Airport

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At least two people were killed and dozens injured when an Air Canada Express passenger plane collided with a fire truck on the runway at New York’s LaGuardia Airport late Sunday, March 22.

Kathryn Garcia, executive director of the New York and New Jersey Port Authority, said in a news conference that the Air Canada Express CRJ-900 passenger plane, carrying 72 passengers and four crew members, collided with a vehicle just before 11:40 p.m. Sunday. Garcia said the Port Authority’s aircraft rescue fire vehicle was responding to another aircraft operated by United Airlines that was reporting an odor problem.

Jazz Aviation, which operates as Air Canada Express, confirmed in a statement that the incident involved a plane flying from Montreal to LaGuardia.

The deceased have been identified as the pilot and co-pilot, the company said, citing Port Authority officials in New York and New Jersey.

“Jazz is deeply saddened by the loss of two of our employees and is working to support their families and employees during this difficult time,” the company said.

“Today is an incredibly difficult day for our airline, our employees, and most importantly, the families and loved ones of those affected by Flight 8646,” Jazz Aviation President Doug Clark said in a statement.

“I would like to express my deepest condolences to the families and friends of the two pilots and express my unwavering support to those injured,” he said.

NTSB Headline Investigation

In a March 23 statement, Air Canada also expressed its condolences not only to the families of the victims, but also to “the entire jazz community and their families.”

However, neither the Jazz nor Air Canada would identify the employee’s name or years of service. USA TODAY has reached out to both companies for additional information.

Videos and photos of the crash show visible damage to the nose of the plane, which pitched upward. The National Transportation Safety Board is on the scene and will lead the investigation. U.S. Transportation Secretary Sean Duffy said the Federal Aviation Administration would send a team to assist the NTSB with its investigation.

“Our prayers this morning are for the families affected by the landslide at LaGuardia Airport,” Duffy said on social media.

Family and friends who would like information about passengers on Air Canada Express flight AC8646 should call Air Canada at 1-800-961-7099, the airline said.

LaGuardia state shut down, hundreds of flights canceled

Meanwhile, operations at LaGuardia Airport were closed until 2pm ET on Monday, March 23, and approximately 543 flights to and from the airport were canceled, according to tracking website FlightAware.

New York City’s emergency notification system says flight cancellations, road closures and traffic delays are expected, and emergency personnel may be on hand near the airport. Entrances to LaGuardia Airport in Queens have since reopened, but emergency officials warned travelers “to expect continued delays.”

The airport also encouraged travelers to check with their airlines for the latest flight information before heading to the airport.

Contributed by: N’dea Yancey-Bragg / USA TODAY

Saman Shafiq is a trending news reporter for USA TODAY. Contact her at sshafiq@usatodayco.com and follow X and Instagram @saman_shafiq7.

Taylor Frankie Paul’s guilty plea could impact new domestic case

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Utah prosecutors have confirmed that their office is aware of allegations between “Mormon Wives” star Taylor Frankie Paul and her ex-girlfriend Dakota Mortensen.

Salt Lake County District Attorney Sim Gill said in a statement provided to USA TODAY on March 23, “Late last week, we requested all investigative materials to review the latest charges. We made this request because, if charges are filed, the charges could be enhanced due to a prior pending plea to a domestic violence crime.”

Gill’s office did not release details of the investigation. USA TODAY has reached out to the Draper City Prosecutor’s Office and Paul’s attorney for comment.

In 2023, Paul, 31, filed for probation on a felony aggravated assault charge following an alleged domestic violence incident involving Mortensen.

Gill previously told Entertainment Weekly on March 19, “We have received a police report regarding the new charges and it is our understanding that this case is being reviewed by the Draper City Attorney. We requested the police report so that prosecutors can assess how these new charges may impact the case in which the defendant is currently on probation.”

The Draper Police Department in northern Utah confirmed to People on March 16 that a “domestic assault investigation” involving Paul and Mortensen was ongoing. Both suspects are reportedly leveling charges against each other.

Law enforcement contacted the parties on February 24 and 25, a spokesperson told the outlet.

Mortensen has reportedly filed for a protection order against Paul, with whom he reportedly has a 2-year-old son.

Three days later, her season of The Bachelorette was canceled days before its premiere, with no details given as to whether the episode would ultimately air, after TMZ released video of the alleged 2023 domestic violence incident that led to Paul’s arrest.

“In light of the new video that was just released today, we have made the decision not to move forward with a new season of ‘The Bachelorette’ at this time. We are focused on supporting our families,” a Disney Entertainment Television spokesperson told USA TODAY on March 19.

Taylor Frankie Paul pleads guilty to aggravated assault in 2023

Police said Paul was arrested in February 2023 on misdemeanor charges of assault in the presence of a child, criminal mischief and domestic violence.

According to People, local news outlet KSL, and the Salt Lake Tribune, Paul has since filed a motion to suspend the aggravated assault charge. The other criminal charges were dropped, but the aggravated assault charge will reportedly remain for three years until she meets the terms of her guilty plea.

Paul’s case has a review date set for August, KSL previously reported. If she complies with the terms of the agreement, which include supervised probation and avoiding breaking the law for 36 months, the felony will be reduced to a Class A misdemeanor.

Paul’s representatives released statements to People magazine and Variety saying that Paul was a victim of abuse.

“After enduring years of extensive emotional and physical abuse and threats of retaliation in silence, Taylor has finally found the strength to confront her accusers and is taking steps to ensure she and her children are protected from further harm,” the statement said. “Too many women suffer in silence while surviving ex-partners who are aggressive, jealous and refuse to move on with their lives.”

“Taylor remains silent out of fear of further abuse, retribution, and public shaming,” the statement continued. “She is now considering all options, seeking support, and preparing to own and share her story.”

What is not covered by a home warranty?

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A home warranty can protect you from paying out-of-pocket costs if something goes wrong with your home’s systems or appliances, but only if you have the coverage you need. All home warranties have exclusions, and it’s important to understand what’s covered and what isn’t to avoid any surprises.

Every provider and policy is different, but you can start by understanding common exclusions and things to look out for in your contract. This will help you choose the right home warranty company for you, and also help you understand your next steps if you have a policy and have a problem.

What is a home warranty?

A home warranty is insurance that covers repairs and replacements in the event something breaks down in your home, for which you pay a monthly or yearly premium. They include:

  • major home appliances
  • countertop appliances
  • Air conditioning equipment
  • electrical equipment
  • piping parts
  • pool and spa
  • windows and doors
  • Well pumps and septic tank pumps
  • And so on

Unlike home insurance, a home warranty covers problems that occur as a result of deterioration or early failure, rather than unexpected disasters such as floods, falling trees, or fire.

General Home Warranty Exclusions

All home warranty policies have exclusions. Understanding what your policy covers and what it doesn’t will help you choose the right provider for your needs, and also help you take the appropriate steps to get your appliances and systems back up and running in the event of a disaster.

existing symptoms

Most home warranties exclude pre-existing problems with covered appliances and mechanics. Many companies have a waiting period before coverage begins to discourage people from signing up for coverage for known issues. Testing may be required before insurance coverage to ensure there are no pre-existing problems.

Improper installation and inadequate repair

Many home warranty policies also exclude problems caused by improper installation, non-compliant installation, and even improper repairs. Some products require the maintenance history of the covered item before agreeing to coverage.

Negligence

If the technician finds that the damage was the result of negligence or lack of regular maintenance, many companies will exclude the unit from coverage. Required maintenance includes:

  • Regular replacement of HVAC filters
  • Regular maintenance of home appliances
  • Annual HVAC tune-up

intentional damage

Most insurance policies exclude intentional damage caused by the homeowner. This exclusion protects home warranty companies from homeowners who intentionally deface or damage appliances or home system components in order to obtain replacements.

Note that vandalism is also usually excluded. However, that’s because your homeowner’s insurance will often cover it for you.

Cosmetic damage

Cosmetic issues that do not affect the functionality of the unit are generally not covered under a home warranty. This can include scratches, dents, peeling paint, and even mismatched units if you need a replacement that doesn’t match other appliances under warranty.

Partial roof repair

Most home warranty policies that offer roof coverage only provide limited coverage for minor repairs, such as:

  • sealing fastener
  • Minor repairs to flashings around chimney and roof vents
  • Replacement of asphalt shingles with a certain area or less

Policies typically exclude storm and weather damage, existing leaks, leaks in non-residential areas such as garages, and surface damage and structural components.

System-specific components

Most home warranties cover appliances, home systems, or a combination of the two, but warranties within these categories are not complete. Policies vary, but please note the following general exclusions: This list is not exhaustive, so always check your contract carefully.

  • second refrigerator
  • freestanding freezer
  • window air conditioner
  • portable air conditioner
  • humidifier or dehumidifier
  • AC refrigerant
  • Non-traditional heating systems (such as ductless or geothermal)
  • Non-conventional water heaters (such as solar water heaters)
  • Septic tank (even if the septic tank is covered)
  • septic tank pump

Be sure to read the sample contract and look for exclusions within the covered items. Home warranties may exclude certain components within the covered system or damage due to certain underlying causes.

“One of the most overlooked gaps in home warranties has to do with outdoor water and sewer service lines on the homeowner’s property,” says Elizabeth Shavers, director of IHT and safety at Oncourse Home Solutions, an Illinois-based home warranty provider. “Many homeowners think that if they have a home warranty, these underground pipes are already included, but most standard home warranties do not cover them.”

Issues covered by insurance or other guarantees

“Home insurance protects against sudden, catastrophic, and unforeseen events like fires and storms,” says Shavers.

This is worth noting because home warranties almost always exclude issues and damages that should be covered by home insurance. It also often excludes components and repairs covered by the builder’s warranty or manufacturer’s warranty. That can include damage from hurricanes, tropical storms, tornadoes, flooding, vandalism, seismic activity, wildfires, and accidental house fires.

Contents of home warranty

Most home warranties cover major kitchen appliances, major home systems, or a combination of the two. Common items found in home warranties include:

  • refrigerator
  • oven/stove
  • cook top
  • dishwasher
  • small kitchen appliances
  • Garbage disposal
  • washing machine/dryer
  • Piping systems and equipment (excluding leaks in some cases)
  • water heater
  • electrical system
  • Air conditioning equipment
  • Pool and spa facilities
  • well pump
  • septic tank pump
  • Roof (limited scope of application)
  • garage door opener
  • Ceiling fans and other appliances

Some companies offer other coverages, such as rekeying after a lockout, recharging AC refrigerant, and coverage for violation of terms. Be sure to read your plan’s list of coverages and check your contract for provisions and exclusions before signing up.

Which home warranty offers the most comprehensive coverage?

In our review of the best home warranty companies, HomeSafe received the highest score for comprehensive coverage. The company has three plan options, with the Best Home plan covering most appliances and systems. This includes:

  • Air conditioning and heating systems
  • refrigerator
  • Ice maker and stand-alone freezer
  • washer and dryer
  • dishwasher
  • garbage compactor
  • oven and countertop
  • built-in microwave
  • Built-in food center
  • garage door opener
  • electrical system
  • piping system
  • water heater
  • water server
  • Garbage disposal
  • central vacuum cleaner
  • smoke detector
  • ceiling fan
  • doorbell
  • (Additional) Well pump
  • (Additional) Septic tank system
  • (Additional) Pool and Spa
  • (Additional) Water softener
  • (Additional) Wine cellar
  • (Additional) Guest house
  • (Additional) In-row suite

This plan also has high coverage limits, including a maximum payment of $5,000 for home systems and a maximum payment of $2,000 for appliances.

Please note that this is just one option. We recommend researching several providers to find the one that is best for you.

“Look for a home warranty company that has a strong track record of responding to contractors in a timely manner and can resolve or repair specific issues as quickly as possible,” says Todd Tripp, home repair specialist at Just Answers. “It’s important to have a good communication and follow-up system with someone you can talk to to initiate and follow up a warranty claim.”

Home Warranty Coverage Limitations

Most home warranty policies have coverage limits that cap the cost of repairs or replacements on an annual basis, a lifetime basis, or both. Maximum payouts may be displayed for each item or category. Many companies also have total coverage that limits the total amount the company will pay across all categories.

Some companies may have one limit for appliances and another limit for home systems. Coverage limits for appliances average $1,000 to $2,000, while coverage for home systems averages $3,000 to $4,000. In rare cases, there may be no coverage limits for certain categories, such as in the case of super home warranties.

Bottom line: Do you need a home warranty?

“Home warranties aren’t a bad idea, but you need to read the policy carefully,” says handyman David Coleman, a partner at Drano who runs the Instagram account (mechanicallyincleyend). “It is important to fully understand what is included and excluded to be financially prepared.”

Be sure to read the sample contract before signing up for coverage.

Home warranties are especially helpful for homebuyers who want to reduce out-of-pocket costs immediately after closing, and for homeowners with aging systems who don’t have emergency funds for repairs or replacements.

If you are considering applying for a home warranty, be sure to obtain a sample contract from your provider and read it carefully. Be aware of exclusions and coverage limits, and be sure to read the fine print to avoid unexpected charges or claim denials.

FAQ

What voids my home warranty?

A variety of factors can void your home warranty, including damage caused by improperly installed appliances and systems, age, lack of maintenance, or failure due to pre-existing problems. Additionally, most home warranties do not cover intentional or cosmetic damage, and some may void future warranties if serviced by a technician who is not affiliated with the home warranty provider.

Why do home warranty companies deny claims?

Home warranty companies can deny claims for a variety of reasons, which vary depending on the provider and the specific plan you choose. The Company will deny claims for items not covered by the Plan, damage intentionally caused by the homeowner, damage that should be covered by insurance or other warranties, cosmetic damage, or damage caused by poor maintenance or improper installation. Read your contract carefully to find out all the reasons your claim could be denied.

What is the difference between a home warranty and home insurance?

A home warranty is optional coverage for home systems and appliances, specifically covering breakdowns and repairs caused by everyday use. Although most lenders require it, home insurance is an option and is intended to cover unavoidable losses caused by natural disasters or serious accidents, such as storm damage or house fires. Home warranties also have much lower coverage limits and typically require an out-of-pocket service charge, whereas home insurance is intended for full coverage and uses a deductible rather than a service charge.

Potash Lake Hit by First Amendment Lawsuit by VOA Employees

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  • Voice of America staff members have filed a lawsuit accusing Kali Lake and the U.S. Agency for Global Media of censorship.
  • The suit alleges that VOA has suppressed reporting and pushed partisan messages against the Trump administration.
  • The lawsuit follows another court ruling that found Lake was operating the agency illegally.

Voice of America staffers have accused Kali Lake and the U.S. Agency for Global Media of “censorship” and “propaganda” in a new lawsuit filed in U.S. District Court in Washington, D.C.

The employees said Lake and Michael Rygas, acting chief executive officer of the U.S. Agency for Global Media, used VOA to control journalistic reporting, “suppressing” content opposed by the Trump administration and disguising “partisan messages” as “news.” The Global Media Agency is the independent agency of the U.S. government that operates the Voice of America overseas.

This led to the censorship of interviews, video footage, and articles about the Iran war, the “hijacking” of VOA’s Mandarin service, which provides radio and broadcast programs in China, and the “verbatim republishing of White House talking points and falsely labeling them as ‘news,'” the complaint said. Under Mr. Rigas’ leadership, journalists rarely leave the newsroom to report, and instead publish stories that “often rewrite press releases” from the federal government, according to the complaint.

“They…have made VOA a partisan mouthpiece of the regime,” the complaint alleges, “…promoting images of President Trump as the beloved leader of North Korea, Kim Jong Un.”

Voice of America is a U.S.-funded international news broadcast service that provides news in 50 languages ​​to more than 354 million people, according to its website. Broadcasters produce digital, television and radio content.

“Stories that VOA would normally cover in detail, such as the bombing of an Iranian girls’ school on February 28, 2026, are barely mentioned, and inconvenient facts, such as the number of deaths from U.S. air strikes on Iran, are completely omitted from the coverage,” the complaint alleges.

The Trump administration’s control of VOA is “contrary to the tradition of free press that has defined the United States since its founding,” the complaint says. The suit says this violates the First Amendment, which protects speech from government infringement, and federal law that requires VOA to provide independent, accurate and objective reporting.

Federal law creates a “firewall” between the VOA newsroom and its publishers and federal political appointees, but this has been breached, the lawsuit says. As a result, journalists and editors were silenced, and listeners, viewers, and readers around the world who depend on VOA were deprived of news.

“U.S. taxpayers fund USAGM and Voice of America, and these funds are required by law to support broadcasts that reflect U.S. policy and the interests of the American people. USAGM is responsible for overseeing its networks, including Voice of America, and for ensuring compliance with the VOA Charter, which requires authoritative and accurate journalism that reflects and clearly presents U.S. policy,” Alex Nicol, USAGM’s communications director, said in a statement in response to the lawsuit.

Its charter states, in part, that “VOA represents America, not any particular segment of American society, and therefore presents a balanced and comprehensive projection of important American ideas and institutions.”

It also states that “VOA clearly and effectively presents U.S. policies and provides responsible debate and opinion on these policies.”

The March 23 lawsuit comes after Lake and USAGM lost a separate court case earlier this month in which U.S. District Judge Royce Lamberth found that Lake was operating the agency illegally. Mr. Lamberth ordered more than 1,000 VOA journalists back to work and reversed Mr. Lake’s earlier decision to abruptly place 1,042 of 1,147 full-time employees on administrative leave, the day after Mr. Trump issued an executive order to reduce the federal workforce.

The federal agency initially set a March 23 deadline for employees to return to work, but successfully sought an extension. Lamberth ordered USAGM to report on progress on April 1.

Who is behind the VOA lawsuit against Kali Lake?

The latest lawsuit was filed by four VOA employees who have been placed on leave. PEN America, a group of writers focused on free speech; Reporters Without Borders is a nonprofit organization focused on preserving the right to freedom of information.

The individuals and organizations are seeking a jury trial and a permanent injunction prohibiting Lake, Rigas and USAGM from violating the newsroom’s editorial independence.

VOA staff includes:

  • Barry Newhouse, Acting Director of VOA Central News Division in Washington, DC from October 2023 to December 2025.
  • VOA’s Director of South and Central Asia (“SCA”) Aisha Tanzeem went on leave in March 2025.
  • Mr. Dong Hyuk Lee joined VOA in April 2006 as Director of Korean Services.
  • Ksenia Turkova worked for VOA Russia Service as a personal service contractor from 2017 to 2025.

Lake, a former Fox 10 news anchor, served in the Trump administration after losing elections for political office in Arizona in 2022 and 2024.

She carried out President Trump’s plan to dismantle government agencies in line with the conservative Heritage Foundation’s Project 2025 report.

Why was Voice of America targeted for cuts by the Trump administration?

VOA, Radio Free Europe, and related government-funded projects were targeted for elimination as soon as President Trump returned to the White House.

Lake appointed Frank Uko as an advisor to USAGM. He is a conservative former talk show host who is credited with promoting a birth conspiracy involving former President Barack Obama and contributing to a chapter of the Project 2025 report criticizing USAGM and its organizations, including VOA.

The section of the 920-page report dealing with USAGM said that USAGM’s “firewall” impeded editorial oversight of media organizations, paving the way for them to join “the anti-American chorus of mainstream media and the denigration of U.S. coverage in the name of so-called journalistic independence.”

“Voice of America is carrying President Trump’s message regarding Operation Epic Fury to all language services,” USAGM said in a February 2026 social media post.

“What we’re doing now is getting the president’s message across,” Lake said in an interview with the Gateway Pundit in February.

Ronald J. Hansen contributed to this report.

Taylor Seely is a First Amendment reporting fellow at The Arizona Republic/azcentral.com. Do you have a story about the government violating your First Amendment rights? Contact her tseely@arizonarepublic.com or call 480-476-6116.

Seely’s role is funded through a collaboration between the Freedom Forum and Journalism Funding Partners. Funders do not provide editorial input.

President Trump rules out possibility of shutting down DHS, citing SAVE Act concerns

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Senate Minority Leader Chuck Schumer, D-N.Y., accused the president of trying to “sabotage” delicate negotiations on Capitol Hill to end the shutdown at a critical juncture.

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WASHINGTON – Pressure on the White House and Capitol Hill to end the Department of Homeland Security’s month-long shutdown is at an all-time high as ICE officers are deployed to ease TSA lines at airports across the country.

President Donald Trump is not giving in. Instead, he upended delicate negotiations among lawmakers over the weekend and revolted Senate Republicans and aides by linking fighting the government shutdown to voting restriction legislation that has little chance of survival in Congress.

Senate Majority Leader John Thune (R-South Dakota) met with President Trump on March 22 to discuss a deal proposed by White House staffers that could end the funding crisis before Congress goes into its two-week Easter recess, according to people familiar with the conversation.

As part of a compromise backed by key Senate Republicans, lawmakers could postpone a vote on ICE funding but vote to keep the rest of the department, including the Transportation Security Administration.

Despite the closure, ICE has remained open, leveraging vast amounts of cash allocated through the One Big, Beautiful Bill Act passed by Congress last year. Mr. Thune and Mr. Trump discussed how a separate reconciliation bill could be used to send funds to ICE instead of a more typical spending bill. USA TODAY reports that lawmakers are already discussing the bill with a view to passing it later this year.

The president rejected the offer.

“His view is that he ties everything to the SAVE America Act,” Thune told reporters on March 23. “My view is that we should address the immediate crisis at hand and think about how to fund the government.”

The White House referred USA TODAY to social media posts from the president over the weekend in which he acknowledged that reopening DHS was not his top legislative priority.

“I don’t think we should make any deals with these crazy, country-destroying radical left Democrats unless they vote with the Republicans and pass the Save America Act,” Trump wrote. “This is far more important than anything else we do in the Senate.”

The nation’s airports have reached a tipping point where they are virtually unsustainable, dashing early hopes of closure. Those expectations have reached a critical juncture. TSA agents are going to spend another week without pay, and their troop numbers are skyrocketing by the day. Hundreds of people resigned. And the sight of immigration officials, ostensibly brought in to help backfill missing workers and manage long lines, sparked anxiety at many airports.

“We’re just trying to strengthen them as much as possible. It doesn’t require them to have any special talent or training. And we relieve those officers of the specific task of vetting,” Border Patrol Agent Tom Homan said on Chris Cuomo’s “SiriusXM.” “So we’re trying to move the lines faster, and I think ICE can help with that.”

Homan has met several times in the past week with Senate Democrats and Republicans, with lawmakers and aides encouraging constructive dialogue and positive progress, particularly on increased use of handheld cameras and police training reform.

USA TODAY reported that questions remain regarding the mask ban, warrants and standards for use of force.

After the White House rejected an offer to reconvene with Senate Democrats on March 23, Senate Majority Leader Chuck Schumer (D-N.Y.) accused President Trump of trying to “sabotage negotiations.”

A group of Republican senators, including Alabama Republican Katie Britt, who is helping spearhead the DHS negotiations, was scheduled to meet with President Trump at the White House early Monday evening.

Zachary Schermele is a Congressional reporter for USA TODAY. You can reach me by email at zschermele@usatoday.com. Follow him on X at @ZachSchermele and on Bluesky at @zachschermele.bsky.social..

Uniqlo is opening three new stores in the US, here’s where to find them

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Japanese fashion brand Uniqlo is expanding its U.S. footprint, with three new stores scheduled to open on the East Coast and Midwest by early April.

Uniqlo plans to open new stores in Chicago, New York City and Boston between March 27 and April 10, according to the company’s New Store Openings page.

The expansion comes as the company continues to move toward its goal of opening 200 stores in North America by 2027, Fast Company reported.

“Our strategy is thoughtful growth, opening the right stores in the right locations, while listening to our customers and delivering meaningful, high-quality experiences everywhere,” Uniqlo U.S. CEO Fuminori Adachi told the magazine.

Here’s what you need to know about Uniqlo’s upcoming store openings.

Where will Uniqlo open a new store?

The following three stores are scheduled to open from March 27th to April 10th.

  • 600 N Michigan Avenue, Chicago, IL – March 27
  • 860 Broadway, New York, NY – April 10th
  • 399 Washington St., Boston, MA – April 10th

According to Uniqlo, apart from upcoming openings, the following two stores have recently opened:

  • 510 5th Ave., New York, New York
  • 187 Kent Ave., Brooklyn, New York

Fernando Cervantes Jr. is a trending news reporter for USA TODAY. Contact us at fernando.cervantes@usatodayco.com and follow us at X @fern_cerv_.

Senate confirms Markwayne Mullin to lead DHS amid shutdown

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The Oklahoma Republican will succeed Kristi Noem as head of the key agency that oversees airport security, counterterrorism programs, the Coast Guard and immigration enforcement.

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WASHINGTON – The Senate on March 23, with the support of two Democratic senators, confirmed Markwayne Mullin to replace Kristi Noem as Secretary of the Department of Homeland Security.

Oklahoma’s hardline Republican senator is now tasked with steering not only a key federal agency amid a growing crisis, but also immigration policy from a White House that increasingly recognizes that hardline enforcement policies are a political liability — in a midterm year in which the president’s party’s control of Congress may be in jeopardy.

The largely partisan vote of 54-45 broke precedent, as senators from both parties have historically shown at least some respect for their colleagues in the Legislature by supporting Cabinet nominees. It was a stark reminder that Congress is stubbornly polarized, especially on immigration-related issues.

All Republican senators except Sen. Rand Paul of Kentucky voted to confirm Mullin. Mullin is a former mixed martial arts fighter who ran a multimillion-dollar plumbing business before he was first elected to Congress more than a decade ago.

Relations between Paul and his colleagues soured after he expressed sympathy for the attacker who left him with broken ribs and lung damage several years ago. During Marin’s confirmation hearing, Paul, chairman of the Senate committee that oversees DHS, called Marin “a man with anger issues.”

“I question whether someone who celebrates violence against political opponents is the right person to lead a government agency that has struggled to accept limits on the appropriate use of force,” Paul said.

Two Democrats voted to confirm Mullin, including Sen. John Fetterman of Pennsylvania and Sen. Martin Heinrich of New Mexico. Heinrich said in a written statement that “this may come as a surprise to some people,” but he considers Marin a friend.

“I’ve also seen firsthand that Mark Wayne is not just someone who can be bullied into changing his opinion,” he said. “I look forward to having a secretary in office who doesn’t follow[Trump adviser]Stephen Miller’s orders.”

Homeland Security remains closed as negotiations heat up

The agency headed by Marin has been partially closed for about six weeks.

After the killings of two Minnesotans by Immigration and Customs Enforcement and Border Patrol agents in January, Democrats refused to fully fund DHS (the 9/11-era Cabinet agency to which these departments fell) until the White House agreed to reforms. Funded by other cash reserves, ICE and Customs and Border Protection continue to operate.

After a period of relative calm, the effects of the shutdown appear to be worsening dramatically by the day. Operations at the Transportation Security Administration (TSA), part of DHS, are rapidly evolving as unpaid workers call in sick with increasing frequency. Hundreds of employees have permanently resigned, leading to snaking security lines at airports across the country. Negotiations aimed at restarting DHS have become more active in recent days amid difficult circumstances.

Marin, a close friend of President Donald Trump and a lawmaker adept at manipulating the balance of power in Congress between the House and Senate, has cast himself as the man needed to right the ship. Although he is an immigration hardliner, he has been resourceful in keeping lawmakers informed about Homeland Security activities.

He also said during his Senate confirmation hearing that under his leadership, ICE would not conduct immigration raids without a judicial warrant. This concession has become a major sticking point in negotiations to end the DHS shutdown, and the White House has yet to publicly agree to it.

“We will not enter a home or business without a judicial warrant, unless we are pursuing an individual,” he told lawmakers.

Zachary Schermele is a Congressional reporter for USA TODAY. You can reach me by email at zschermele@usatoday.com. Follow him on X at @ZachSchermele and on Bluesky at @zachschermele.bsky.social..

Chiefs re-sign star tight end to three-year contract

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Travis Kelce is being paid a significant amount of money to remain with the Kansas City Chiefs for the 2026 NFL season, at least on the surface.

Kelce officially signed a contract extension with the Chiefs on March 23. A person familiar with the matter told USA TODAY Sports’ Tyler Dragon that the deal is worth up to $57,735,000 over three years.

If Kelce’s contract is fully realized, he will have an average annual value (AAV) of just under $19.25 million, making him the highest paid tight end in the NFL. George Kittle’s previous market record was $19.1 million.

But Kelce’s contract is backloaded, so it’s unclear how much, if any, he’ll receive in future years. All we know now is that he will earn $12 million in guaranteed money for the 2026 season and has $3 million in potential incentives.

Click here to learn more about Kelce’s contract.

Travis Kelce contract details

Kelce officially signed a three-year extension with the Chiefs. Below are the contract details at maximum value.

  • semester:3 years
  • Total value: $57,735,000
  • Annual average value (AAV): $19,245,000
  • Security deposit: 12 million dollars

Kelce’s deal may look like an expensive three-year deal, but the low level of guarantees included could make it essentially a one-year deal.

Such possibilities depend on the structure of the contract. If all of Kelce’s $12 million in guaranteed money is accounted for in the 2026 budget, the Chiefs would be able to move on from Kelce after the season without additional pay or penalties.

With that in mind, Kelce and the Chiefs will likely continue to evaluate his future on a year-by-year basis.

travis kelce stats

Kelce had 76 catches for 851 yards and five touchdowns in 2025. A four-time All-Pro, Kelce has seven seasons with 1,000 total yards and has recorded at least 823 receiving yards in every season since 2014.

Below are details on Kelce’s career statistics.

  • game:192
  • target:1,508
  • reception:1,080
  • acceptance yard:13,002
  • Receiving TD:82
  • Yards per reception:12

Kelce was rated as Pro Football Focus’ No. 18 tight end last season, posting a passer rating of 98 when targeted.

Rising gas prices are eating up the surge in Big Beautiful Bill tax refunds

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As the war with Iran enters its fourth week, some analysts warn that rising gasoline prices are likely to use up virtually all of the expected economic boost from higher-than-usual tax refunds this year.

A key part of the Trump administration’s tax and spending bill, the One Big Beautiful Bill Act of 2025, was a tax cut that would be given to consumers as a retroactive refund in 2025.

Economists at JPMorgan Asset Management even called this a “refund surge,” and they and others thought the stimulus it would provide could be strong enough to reignite inflation.

But on March 20, the US team at Oxford Economics wrote that the gas price shock had changed the equation.

“Average gas prices of $3.60 imply that consumers will need to spend about $60 billion more on gas in 2026, roughly offsetting the boost from rebates,” Bernard Yaross and Michael Pearce wrote. “Every $0.10 in gasoline prices increases spending on gasoline by about $12.3 billion, which is about 0.06 percent of consumer spending that cannot be spent on other goods and services.”

The national average for a gallon of gas at around noon ET on March 23 was $3.928, up $1 from the previous month.

Not everyone agrees.

“Tax refunds are expected to be an average of $1,000 higher than last year,” said Larry Adam, chief investment officer at Raymond James. “Even if gas prices remained at $4.00 per gallon through the end of the year, the cumulative impact of higher gas prices on households would be less than $1,000. We believe this is a highly unlikely scenario.”

However, Adam and his team still believe that rising gas prices are likely to widen the gap between the two pillars of the “K-shaped” economy.

“Low-income households are feeling the pinch, given that they spend a high percentage of their income on fuel and other necessities,” they wrote. “Higher-income households, which account for a disproportionate share of consumer spending, are less sensitive to what’s happening at the pump.”

The Pantheon Macroeconomics team points out that in 2023, gas spending accounted for 3.7% of spending among households in the bottom 10% of the income distribution, compared to just 1.5% among households in the top 10%.

Additionally, the Pantheon team wrote on March 20 that “the primary beneficiaries of this year’s tax refunds will be middle- and upper-income earners,” with lower-income households seeing relatively little increase in refunds.

President Trump tours Elvis Presley’s Graceland mansion in Memphis

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“He has a lot of songs, but there are very few that I don’t like,” President Trump said of Elvis’ songs, adding, “He did nothing wrong.”

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President Donald Trump sat in his “Jungle Room” and reflected on his battle with the “King of Rock ‘n’ Roll” during a pilgrimage to perhaps America’s most famous mansion outside of his own.

The president had just learned during a visit to Elvis Presley’s Graceland mansion that the famous musician holds multiple black belts in karate.

“Was he really that good?” Trump asked.

Well, when the president was informed that Elvis was good at karate, he replied, “Would I have taken him to a fight?”

Moments earlier, Trump signed a replica of Elvis’ guitar and used the opportunity to declare that his predecessor in the White House, Joe Biden, “couldn’t do that.” He marveled at Elvis’ gold-plated bedside phone, said, “I’d love to hear that conversation,” and declared “Heart” to be one of Elvis’ favorite songs.

“He has a lot of songs, but there are very few that I don’t like,” President Trump said of Elvis’ songs, adding, “He did nothing wrong.”

While visiting Memphis, Tennessee, on March 23, President Trump made a detour to Graceland to tout efforts to reduce crime in the city. According to the Graceland website, approximately 500,000 people visit Graceland each year, making it one of the five most visited residences in America.

President Trump said it was his first time visiting Elvis’ home. Among the exhibits President Trump received were Elvis’ last Grammy Award and the belt he received for breaking Las Vegas attendance records.

“I’m a huge Elvis fan. Who isn’t?” he said.

The president moved from room to room with a tour guide, ending up in Elvis’s study, which had carpeted ceilings and was nicknamed the “Jungle Room” by the media. Elvis recorded in his room. The tour guide said the carpet on the ceiling improved the sound.

“He was way ahead of his time…he had carpet on the ceiling,” Trump said.

One Graceland employee told reporters accompanying Trump that it was the second visit by a sitting president, the first being President George W. Bush’s visit with the Japanese prime minister in 2008.

President Trump awarded Elvis the Presidential Medal of Freedom, the highest civilian honor, during his first term in 2018. Asked if people might one day make pilgrimages to his Mar-a-Lago mansion in Palm Beach, much like Graceland, the president balked.

“You can never say that,” Trump said, before adding, “This is a special place, too.”

Contributor: Bert Jansen

Does ICE require masks inside airports? Debate heats up as officials assist TSA

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BURLINGTON, Vermont – Critics of President Donald Trump’s aggressive immigration enforcement efforts seized on his request that ICE agents patrolling airports not wear masks as evidence they never needed them in the first place.

Civil rights groups have fought to force Immigration and Customs Enforcement officers to show their faces on the job as a way to ensure accountability. Several states are currently battling the White House in federal court over the anonymizing mask ban. The administration’s long-standing insistence on mask requirements has also contributed to the ongoing partial shutdown of the federal government, which has suspended pay for TSA security screeners.

With so many unarmed TSA agents calling out sick or retiring altogether, President Trump ordered armed ICE agents to increase staffing levels at airports. The move alarmed some travelers who fear immigration officials will use overly aggressive tactics inside the country’s airports. In cities across the country, ICE and Border Patrol agents have come under fire for actions such as pulling passengers from vehicles and using tear gas, as well as incidents that led to the shooting deaths of two Americans in Minneapolis.

At Burlington International Airport in Vermont’s largest city, Sara Selke, 28, of Seattle, said she felt, ironically, that ICE agents now felt they were fully public. Selke wore an N-95 mask during the trip. He said the TSA has long been criticized for racial profiling and worries that ICE will only exacerbate those concerns given the airport deployment.

“I wear a mask to protect my health,” Selke said. “ICE doesn’t wear masks for the same reason, and I think they feel more empowered and emboldened to not hide their identity in that controlled environment.”

President Trump said ICE agents should avoid wearing masks while working at airports, but would be allowed to wear them at other times. Except in very limited circumstances, U.S. law enforcement officers rarely conceal their identities and are virtually not allowed to remain anonymous for reasons of public accountability. Congressional Democrats are using the ongoing government shutdown to force changes to ICE, including restrictions on mask use.

Federal officials have not released details about how many ICE officers have been sent to airports or which ones, citing safety concerns.

“I strongly believe that they should be able to wear masks to hunt down murderers and criminals and others, but for the purposes of the airport, I’m asking them to take their masks off, and I believe they’re going to do that,” President Trump told reporters on March 23.

Lynn Tramonte of the Ohio Immigration Alliance said adding ICE agents, masked or not, to airports poses more safety concerns than it solves.

“This is not a kind and gentle ICE. This is the same agency that terrorizes communities, launches high-speed chases, and kills people in order to enforce civil law. Working for ICE is the easiest law enforcement job to get and the least responsible,” Tramonte said. “Whether they have a mask or not, masks are still a danger to society.”

Homeland Security officials say their employees are facing a significant increase in intimidation and violence as they carry out President Trump’s order to carry out the largest mass deportation in U.S. history. The Department of Homeland Security, led by now-fired Secretary Kristi Noem, said officers and employees must wear masks to protect families from retaliation. But some regime critics say officials are being singled out for participating in an immoral and sometimes unconstitutional deportation campaign.

As of early February, more than 70 percent of immigration detainees had no criminal history of any kind other than possible immigration violations, according to DHS statistics.

News reports about ICE’s airport deployment showed some officers running away from journalists, and in one case an officer appeared to use a flashlight to blind news cameras. In other instances, ICE officers appeared to be barely standing around actively assisting with security screenings.

“President Trump’s decision to send ICE to an airport makes no sense, but President Trump’s sudden decision to have ICE working in public without masks proves once and for all that masks were never meant for officer safety, but simply as a threat,” said Rep. Bennie Thompson, the top Democrat and former chairman of the House Homeland Security Committee.

Is it cheaper to go by car or by plane? Factors to consider now

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  • Rising gas prices and long airport security lines are causing travelers to reconsider driving versus flying.
  • Factors to consider include the number of travelers, total travel time, and the cost of gas and plane tickets.
  • Travelers can use online calculators to compare the estimated costs of driving and flying for a particular trip.

With gas prices hovering around $4 in much of the country and security lines at major airports disrupted by a partial government shutdown that affected the Transportation Security Administration (TSA), millions of Americans who normally travel for spring break or early summer vacation are debating whether to drive or fly.

The average price of gasoline rose to $3.96 per gallon on March 23, up from an average of $3.72 per gallon a week earlier on March 16, according to the AAA Auto Club.

The increase comes as the Trump administration has sent U.S. Immigration and Customs Enforcement agents to several federal airports to help ease security screenings that have become crowded and caused some passengers to miss their flights. Many airports now recommend passengers arrive three hours before scheduled departure for domestic flights, compared to the previous recommendation of two hours for domestic travel and three hours for international flights.

With all of this in mind, the USA TODAY Cars team looked at some factors to consider when deciding whether to drive or fly on your next vacation, and we’ve included a calculator from Kayak.com that you can use to crunch the numbers yourself.

How do you decide whether to drive or fly?

The website ThePointsGuy.com states that when deciding whether to drive or fly, you should consider the following factors:

  • How many people are in your travel party?: Even if you fly on a known low-cost airline, the cost of flying can quickly add up when you add multiple family members, such as spouses and children. Note that most airlines charge full price for all passengers over the age of two.
  • What is the detention time?: Based on 2024 data compiled by Statista.com, most Americans take an average road trip of 6 to 10 hours. Meanwhile, TSA wait times at America’s busiest airports averaged several hours on Monday, March 23.
  • Is it gas, hotel costs for long drives, and plane ticket costs? Road trips may require multiple refueling stops and may require an overnight stay in a hotel to break up a long drive. Purchasing a flight ticket is not the only cost involved. Most airlines charge a fee for checked baggage, but some low-cost airlines also charge a fee for carry-on baggage.

How do I calculate the cost of a car and a flight?

Kayak’s website has a calculator you can use to compare the costs of driving and flying.

Use this calculator to enter your origin and destination, month of travel, and estimate the expected cost of flying and driving based on an analysis of current and historical lowest round-trip ticket prices per traveler and average car rental prices over the past 31 days.

Supreme Court case could tighten deadlines for mail-in voting

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The U.S. Supreme Court is set to rule on a case that could bring major changes to how mail-in voting works across the country.

Voting by mail allows eligible American voters to vote without going to the polls on Election Day. Instead, they will receive a ballot in the mail, fill it out at home and return it. The process is currently under scrutiny by the U.S. Supreme Court, which is considering a Mississippi case that could change when mailed ballots arrive for counting, not just in the state and possibly nationwide.

How postal voting works

Voting by mail allows voters to vote without going to a polling place on Election Day. Rules vary by state, but the basic steps are similar.

1. Check your eligibilitySome states allow voters to vote by mail. Other states, such as Mississippi, limit voting by mail to certain groups, such as the elderly, people with disabilities, and voters who live away from home.

2. Request a ballotVoters must request a mail-in ballot from their state or local election office by a set deadline.

3. Receive and fill out your ballotYour ballot will arrive by mail. Voters mark their choices and follow the instructions to sign and stamp their ballot.

4. Please return it within the deadlineVoters return their ballots by mail. Each state has rules for when ballots must be postmarked and when they must be received and counted.

5. Ballots are verified and countedElection officials will check signatures and other requirements before counting the ballots.

The Supreme Court case centers on whether ballots mailed by Election Day and arriving afterward should still be counted.

So what will the legal battle be about?

Republicans, backed by President Donald Trump, are challenging Mississippi’s five-day grace period. Their argument is simple. Federal law sets Election Day as a single date, and ballots should be received by then, not days later.

Mississippi, on the other hand, argues that voters should not be penalized for late mail as long as they send in their ballots on time. Lower courts sided with Mississippi, holding that Mississippi’s law was illegal. The state appealed, and the case went to the Supreme Court.

Why is this important beyond Mississippi?

Mississippi isn’t alone. About 30 states and Washington, D.C., are accepting at least some ballots that are postmarked by Election Day but arrive afterward. If the Supreme Court rules against Mississippi, states could be forced to eliminate grace periods, require ballots to arrive by Election Day, and rewrite election laws ahead of future federal elections.

If that happens, the system for voting by mail across the country will change significantly.

What happens next?

The Supreme Court is expected to issue a decision by the end of June.

Reuters contributed reporting to this story.

Air traffic records catch warning before deadly LaGuardia plane crash

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Air traffic control audio captured dramatic radio traffic moments before and after an Air Canada Express jet collided with a fire truck on the runway at New York’s LaGuardia Airport late Sunday, March 22, killing two pilots and injuring dozens.

The Air Canada Express CRJ‑900, operated by Jazz Aviation, was carrying 72 passengers and four crew members when it collided with a Port Authority aircraft rescue and firefighting vehicle just before 11:40 p.m., airport officials said.

Kathryn Garcia, executive director of the Port Authority of New York and New Jersey, said at a news conference that the fire truck was responding to a separate incident involving a United Airlines flight where there were reports of an unusual odor on board.

Garcia announced that 41 passengers and crew members were taken to hospitals. Thirty-two people have since been released, but others remain hospitalized with serious injuries. Two Port Authority employees who were on board the fire engine were also injured, and their injuries are not life-threatening, but they are currently hospitalized.

Air traffic control audio posted by LiveATC.net minutes before the crash included a discussion of United Airlines’ odor emergency, including a controller pointing out that emergency vehicles were already responding, Reuters reported. Additional recordings before and after the crash show that air traffic controllers attempted to communicate with both the plane and the fire truck in the moments leading up to the crash.

Air traffic control voice: “Stop, stop, stop”

Air traffic audio recorded before and after the crash captured the moment air traffic controllers tried to stop the truck from colliding with the airliner. According to the audio, air traffic controllers cleared the fire truck to cross Runway 4, the Delta taxiway where the collision occurred.

Immediately afterwards, air traffic controllers repeatedly tried to stop the vehicle, saying, “Stop, stop, stop, truck 1, stop, truck 1, stop.”

According to Reuters, the flight-tracking website Flightradar 24 said the plane hit the fire truck at about 20 miles per hour and last recorded data at 11:37 p.m. ET.

After the crash, air traffic controllers announced that LaGuardia Airport would be closed and relayed that information to Frontier Flight 4195, which was believed to be another flight, according to Flightradar 24. Frontier Flight 4195 was scheduled to depart the airport for Miami at 10:55 p.m., officials said. The flight was recorded telling air traffic control, “It didn’t look good.”

The air traffic controller responded, “We tried to contact the staff, but they were dealing with an emergency earlier.” “It was a mess.”

It wasn’t immediately clear what I meant by controller confusion. Frontier Flight 4195 then replied to the controller, “No, you did your best.” The audio continues with air traffic controllers telling other planes that the airport will be closed overnight.

LaGuardia state temporarily closed, flights canceled

LaGuardia Airport will remain closed until at least 2 p.m. ET on March 23, according to the Garcia Port Authority of New York and New Jersey. The National Transportation Safety Board is on the scene and will lead the investigation. U.S. Department of Transportation Secretary Sean Duffy said the Federal Aviation Administration would send a team to assist the NTSB with its investigation.

About 585 flights to and from the airport were canceled on Monday, according to tracking website FlightAware.

The incident came as some airports were already crowded with long security wait times and travel disruptions caused by a partial government shutdown. Absenteeism for Transportation Security Administration employees reached its highest level over the weekend since the partial shutdown began five weeks ago, leaving tens of thousands of employees without pay, according to the Department of Homeland Security.

Beyond that, the crash was the latest in multiple fatal air crashes across the country in 2025, including the November 2025 crash of a UPS cargo plane in Louisville, Kentucky, which killed 15 people, and the January 2025 collision between an American Airlines regional jet and a U.S. military Black Hawk helicopter over the Potomac River, which killed 67 people.

Contributor: N’dea Yancey-Bragg, USA TODAY; Reuters

Kate Perez covers national trends and breaking news for USA TODAY. You can reach her at kperez@usatodayco.com or X @katecperez_.

The road to perfect trust

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good morning! I’m Daniel de Visé from Daily Money.

If you read my regular articles at USA TODAY, you know that I don’t often write in the first person. I’m not a columnist, but that’s a good thing. By the second week, I’d run out of ideas.

The following is a story written by me in first person. This is not a column, but rather a personal account of how I achieved the elusive personal finance goal of perfect credit. . . And I lost it again.

Can Elon Musk pay his TSA salary?

Elon Musk, the world’s richest man, wants to step in and pay TSA workers who are working without pay during the partial government shutdown. Can he even do that?

Americans are delaying health care as costs rise

And we’ll tell you how some Americans are putting off important medical procedures until they qualify for Medicare because of rising medical costs.

📰 Other stories you can’t miss 📰

Daniel de Visse covers personal finance for USA TODAY. Daily Money breaks down complex consumer and financial news. Subscribe here.

Five Guys replaces frying cups with paper bags. Some people are not satisfied.

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Five Guys no longer receives five stars from everyone after their latest menu changes.

Five Guys announced in a social media post on March 16 that it would be eliminating plastic fry cups in favor of kraft paper bags, but some customers are not happy.

“We use the same fresh cut potatoes and generous portions as before, but this new packaging preserves the texture of our fries and helps keep them fresher and longer for takeout and delivery,” the burger chain said in a post, adding that the bags are oil-resistant and BPA- and PFAS-free.

As is tradition when fast food restaurants change things up, some customers are voicing their thoughts on social media.

Five Guys customers share their thoughts on the new flybag

Many of the comments about the new flybag were about greasiness.

“This cup saved me from getting oil from my bag onto my car seat when I took it home,” one Facebook user commented on Five Guys’ post.

Five Guys claims the bags are oil-resistant, but promotional photos of the new packaging clearly show grease spots on the bags and surrounding packaging.

Many customers have shared that they’ve noticed a difference in the amount of fries they receive in a paper bag versus a traditional cup.

“I don’t like this for $6 fries because I can confirm the amount I got was definitely different,” one Instagram user said in a Five Guys post. “Using a bag reduces the volume and allows the oil to soak in faster. Once I fried in a bag, I haven’t gone back since,” a Facebook user wrote.

On the other hand, some people are happy with the new fly packaging.

“So much better than paper cups with no vents. The heat and steam is trapped inside, so you’re guaranteed to stay hot at the top and wet at the bottom. Thank you!” one Facebook user commented on the Five Guys post.

Some people understand that dialogue is not that important in the first place.

Another Facebook user commented: “I don’t care about the container of french fries. I don’t eat the container.”

Five Guys responds to customer feedback

In response to customer feedback, Five Guys communications specialist Christine Kube told USA TODAY that the new packaging is the company’s commitment to the environment, as it is made from biodegradable natural kraft paper.

“We want to make sure our customers know that the amount of fries will remain the same,” Cube added. “You’ll never run out of extra scoops. You’ll get the same amount with the same size fry cup.”

Greta Cross is USA TODAY’s national trends reporter. Story ideas? Email her at gcross@usatoday.com.