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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.

Supreme Court hints at supporting Trump in mail-in voting case

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The Supreme Court is deciding whether absentee ballots, not just postmarks, must be received by Election Day.

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WASHINGTON – The Supreme Court could uphold a Republican effort to block states from counting late-arriving mail-in ballots, a decision that would be a victory for President Donald Trump and lead to stricter voting rules across the country.

During more than two hours of oral arguments on March 23, the court’s conservative majority expressed skepticism about a Mississippi law that allows ballots cast by Election Day to be counted if they are received within five days.

Justice Samuel Alito said the lack of a clear deadline raises a number of other questions, including how long the grace period should be and whether ballots must be postmarked.

“You have a lot of line-drawing issues,” he told the Mississippi attorney.

But Justice Ketanji Brown Jackson, one of the court’s three liberal justices, said it was up to Congress and the states, not the courts, to make such decisions. And the fact that Congress is considering a bill to eliminate the grace period indicates that lawmakers believe it is now allowed.

“I think there are some federal laws that suggest that Congress was aware of the post-Election Day voting deadlines that states had enacted,” she said.

Voting by mail is down compared to its peak during the coronavirus pandemic. However, nearly 30% of voters still voted that way in the 2024 election. And nearly 30 states are allowing at least some late-arriving ballots to be counted.

Democrats are more likely to vote by mail than Republicans.

Supporters of voting by mail say it makes it easier for people, including retirees, military personnel and rural residents, to vote. The grace period also prevents people from losing their votes due to postal service delays.

But Trump has long railed against mail-in voting, saying it is vulnerable to fraud and has made baseless claims that mail-in voting cost him the 2020 election.

President Trump has separately attempted to completely eliminate both grace periods and mail-in voting by executive order and by pressuring Congress to pass legislation.

The Justice Department supports Republican challenges to the Mississippi law.

Documented cases of fraud related to mail-in voting are rare, according to the Massachusetts Institute of Technology’s Election Data and Science Institute.

But critics argue that if votes counted after Election Day affect the outcome of a race, it could raise questions about the legitimacy of the election even if there was no fraud.

“The losers are not going to accept the outcome if it means turning on late-arriving ballots in such a way that the outcome that everyone expected on Election Day is the opposite one week later, 21 days later,” Republican lawyer Paul Clement told the Supreme Court. “And that’s bad for our system.”

The legal arguments being waged by the Republican National Committee and the Department of Justice focus on defining when an election took place, as federal law sets a specific date for U.S. elections.

Republicans and the Trump administration counter that ballots must be received by Election Day.

According to Mississippi, an “election” is when voters choose a candidate.

“Each state must make its final selections by Election Day,” Mississippi Attorney General Scott Stewart said. “That’s what the election really means.”

But some conservative justices questioned how voters’ mail-in ballots could be considered final when some states allow voters to recall absentee ballots.

Justice Brett Kavanaugh also emphasized that grace periods have only become common in recent years, suggesting that certain deadlines have more historical support.

He asked whether states with grace periods would have time to adjust before the midterm elections if the courts side with Republicans.

Clement said a court ruling by June would give him enough time.

Watson v. Republican National Committee is not the only case that could impact future elections.

The justices are also deciding whether to lift restrictions on coordinated spending between political parties and candidates and roll back protections against racial discrimination in voting.

Apple announces improvements to iPhone background security and more

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Apple has released new security protections for devices that run in the background during major software updates.

Apple users may have already noticed the first background security improvements on their iPhones, iPads, and Macs. According to the Apple Support website, the improvements, which run constantly on devices and not just during software updates, provide a “light security release” for Safari, system libraries, and the WebKit framework stack, including Apple’s Mail and App Store apps.

With the new rollout, here’s what we know about Apple’s background security improvements.

What are Apple’s new background security improvements?

Background security improvements provide new security releases during software updates for compatible iPhones, iPads, and Macs.

The first background security improvements were released on March 17 and affected Webkit, which includes Apple’s Safari, Mail, and App Store apps. According to the Apple Support website, this update targeted “cross-origin issues in the Navigation API.” An API (Application Programming Interface) is a set of rules that allows different software to exchange data with each other.

What devices support background security improvements?

According to the Apple Support website, Background Security Improvements are supported on iPhones with iOS 26.1, iPads with iPadOS 26.1, and Macs with macOS 26.1.

Can I turn off background security enhancements?

Yes, users can turn off background security improvements in their device settings.

How to check background security improvements in settings

Here’s how to see background security improvements on your iPhone, iPad, and Mac.

  • iPhone and iPad: Go to the Settings app, tap “Privacy & Security,” then tap “Improve Background Security.”
  • Mac: Choose (System Preferences) from the Apple menu and click (Privacy & Security).

Background security improvements are set to install automatically by default. According to the Apple Support website, if a user turns this off, the device will no longer receive background improvements until the next software update.

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

Retail real estate leader David Simon dies at age 64

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David Simon, the leader of Simon Property Group, the world’s largest retail real estate company, died on March 22nd at the age of 64.

Simon was diagnosed with cancer and died in 2024. While battling illness, he remained at the helm of the company founded by his father and uncle.

On Monday, The Simon Property Group’s board of directors appointed David’s eldest son, Eli Simon, as chief executive officer and president of the Indianapolis-based company, continuing the family’s strong leadership of the company. Eli Simon will continue in his previous role as Chief Operating Officer (COO).

In a statement, the Simon family said David “put his heart and soul into creating Simon Property Group.” David began his career as a Wall Street investment banker before joining our predecessor company, Melvin Simon & Associates, in 1990 as Chief Financial Officer.

Simon remained with Simon Property Group and was appointed CEO at the age of 33, making him one of the youngest CEOs in the country. During his 30 years as chief executive officer, Mr. Simon transformed the company from a regional real estate business into the world’s largest mall ownership group and the world’s largest publicly traded retail real estate company. During that time, Simon has solidified his position as a formidable leader in the real estate world.

“Our family is deeply grateful for the outpouring of love and support from around the world,” the Simon family said in a statement. “He was most proud of his family, his wife of more than 40 years, Jackie, and their five children (Eli, Rebecca, Hannah, Sam, Noah, and seven grandchildren). We ask that you respect our privacy as we grieve this great loss.”

Funeral arrangements will be shared by the Simon family at a later date. In lieu of flowers, the family requests that donations be made to the Anti-Defamation League, American Jewish Committee, UJA Federation of New York, or the Foundation to Combat Anti-Semitism.

David Simon served as Simon’s CEO for 31 years.

The son of business mogul Herb Simon, David was born in Indianapolis and graduated from Indiana University with a degree in business administration, then earned an MBA from Columbia University.

In 1990, Simon joined his family’s real estate firm as a young and ambitious financial professional after a tough experience on Wall Street. In 1993, Simon managed the company’s initial public offering on the New York Stock Exchange, making the business available to investors for the first time. He raised nearly $1 billion in what was at the time the largest public real estate offering in history.

Shortly thereafter, in 1995, at the age of 33, Simon took over the role of chief executive officer. By the time of his death more than 30 years later, Simon had become known as the King of Shopping Malls, the man who controlled most retail centers around the world.

Industry insiders both praised and feared the shopping mall king’s tactics.

What’s next for Simon Property Group?

As Eli Simon assumes his late father’s CEO role, the Simon Property Group Board of Directors

This story may be updated.

Alysa Guffey covers business and development stories for IndyStar. Please contact alysa.guffey@indystar.com.

Why do they call Trump “TACO”? The meanings of the abbreviations are:

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  • President Trump postponed threatening to attack Iranian power plants after issuing a 48-hour ultimatum to open the Strait of Hormuz.
  • Some critics have applied the phrase “TACO Trump” to this situation, meaning “Trump always flips.”

President Donald Trump on March 23 postponed a threat he issued last weekend against Iranian power plants.

President Trump has pressured Iran to open the Strait of Hormuz, the waterway through which a fifth of the world’s oil passes. The March 21 Truth social post gave the US 48 hours to “destroy” its own power plants. Iran threatened to retaliate with attacks on critical energy and water systems.

But on the day of the deadline, President Trump said he was postponing the strike for five days following “good and productive dialogue” with Iran to resolve hostilities in the Middle East. Iranian state media characterized the postponement as a setback, and the speaker of Iran’s parliament ruled out any negotiations.

Some of Trump’s critics also refer to him as “TACO Trump.” What does that mean?

What does taco mean?

Financial Times columnist Robert Armstrong coined the term “TACO trade” in May 2025 to describe how some investors were expecting a market rebound amid repeated Trump tariffs.

This acronym stands for “Trump always chickens out.”

Armstrong described the TACO trade as a strategy by some investors to buy into a depressed market on the assumption that President Trump would rescind his tariff orders, and then assume the market would recover.

President Trump previously shot back at a reporter who asked him about the term, saying, “You ask such mean questions. That’s called negotiation.”

The Supreme Court ruled on February 20 that many of President Trump’s tariffs are illegal.

President Trump postpones attack on Iranian power for 5 days

Over the weekend, President Trump threatened to attack Iran’s power plants if it did not open the Strait of Hormuz.

The Strait of Hormuz is a waterway that connects the Persian Gulf, the Gulf of Oman, and the Arabian Sea. This is a choke point for about 20% of the world’s oil shipments. The oil has been largely shut down since the US started the Iran war, impacting global oil markets and driving up prices. A barrel of crude oil hovered around $100 last weekend, and has risen more than $30 in the past 30 days. As of Monday, March 23, the average gallon of regular gasoline in the United States was $3.956, more than $1 more than a month ago, according to AAA calculations.

“If Iran does not fully open the Strait of Hormuz without threat within 48 hours from this point, the United States will attack and destroy various power plants, starting with the largest!” President Trump said in a post on Truth Social on Saturday night, March 21st.

But by Monday morning, President Trump backed off the possibility of escalation, saying the United States and Iran had had a “very good and productive dialogue.”

“Based on the tenor and tone of the deep, detailed, and constructive conversations that have continued throughout this week, I have directed the Department of the Army to postpone any military strikes against Iranian power plants and energy infrastructure for five days, subject to the success of ongoing meetings and discussions,” a March 23 Truth Social post said.

Iranian state media said no negotiations were taking place and described President Trump’s decision to postpone attacks on energy facilities as a “backward step.”

President Trump told reporters on March 23 that he planned to meet with Iranian leaders and if things went well, the war could end soon.

“Otherwise we just keep dropping bombs on our little minds,” President Trump said.

Mohammad Bagher Ghalibaf, a veteran of the Islamic Revolutionary Guard Corps and speaker of Iran’s parliament, said the United States and Iran are not negotiating.

In response to President Trump’s remarks, Ghalibaf said in a post on X on March 23, “There are no negotiations with the United States, and fake news is being used to manipulate financial and oil markets and to get the United States and Israel out of the quagmire they are in.”

Contributors: Kate Perez, Christopher Cann, Bart Jansen, USA TODAY

Kinsey Crowley is a Trump Connect reporter for the USA TODAY Network. Please contact KCrowley@usatodayco.com. Follow her on X (Twitter), Threads, Bluesky, and TikTok.

Travelers say ICE at airports isn’t solving long security lines

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Despite new assistance from Immigration and Customs Enforcement, passengers continue to report delays at major U.S. airports.

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  • Immigration and Customs Enforcement officers have been dispatched to some U.S. airports to assist with long security screening waits.
  • The rollout comes in response to a shortage of TSA personnel due to the partial government shutdown.
  • Some travelers report that the presence of ICE agents has not helped reduce long lines.

Immigration and Customs Enforcement agents have been arriving at some U.S. airports in an effort to eliminate long wait times during the partial government shutdown, but at least one traveler at John F. Kennedy International Airport told USA TODAY that so far they’ve been “unhelpful.”

Both masked and unmasked ICE officers wearing marked vests were seen at JFK International Airport and Hartsfield-Jackson Atlanta International Airport, and travelers continued to report long wait times at airport security.

In a social media post, President Donald Trump weighed in on mask-wearing by employees, saying he is a “huge supporter of masks at ICE,” but added, “But when it saved our country from the chaos at the airports caused by Democrats, I greatly appreciated the mask ban.”

Which airports have ICE agents?

The New York Times and CNN reported that ICE officers were deployed to more than a dozen airports across the country.

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.”

According to CNN, the airports are:

  • Chicago O’Hare International Airport
  • cleveland hopkins international airport
  • Hartsfield Jackson Atlanta International Airport
  • Houston William P. Hobby Airport
  • John F. Kennedy International Airport in New York
  • New York LaGuardia Airport
  • Louis Armstrong New Orleans International Airport
  • Luis Muñoz Marin International Airport near San Juan, Puerto Rico
  • Newark Liberty International Airport in New Jersey
  • philadelphia international airport
  • Phoenix Sky Harbor International Airport
  • pittsburgh international airport
  • Southwest Florida International Airport in the Fort Myers area

The New York Times similarly reported, without naming each airport, that “airports are spread across the country, including New York’s Kennedy and LaGuardia airports, as well as Newark, Philadelphia, Chicago, Atlanta, New Orleans, Houston, and Phoenix.”

What’s it like at the airport on Monday?

At JFK Airport, JetBlue representatives patrolled the lines around 9:30 a.m. ET, asking travelers if they had any flights departing before 11:30 a.m. Those who did so were dragged from the line and brought to the front.

When one of the passengers showed the representative his ticket, the representative replied, “I don’t know if I’ll make it in time for the 10:30 a.m. flight, to be honest.”

Nate Bien waited in line for a flight to Guatemala for about 30 minutes, but he still has a long way to go.

“It’s a mess,” he said. Mr. Bien, who was born in France and has lived in the United States for 18 years, likened the lines inside the JetBlue terminal to the chaos that occurs during strikes in France.

He also didn’t understand how ICE Patrol was de-escalating the situation.

“It doesn’t help,” he said. “They’re not contributing to that reduction,” he added, pointing to the rows ahead.

Why is ICE at the airport?

ICE officers were brought in to reduce wait times amid a shortage of TSA officers.

More than 1 in 10 TSA employees have protested in recent days, saying they have not been paid due to a funding crisis in Congress.

“President Trump is doing everything he can to help American travelers who are lining up for hours at airports across the country, especially this spring break and holiday season for many American families,” Acting Assistant Secretary of Homeland Security Lauren Biss said in a statement to the United States. This is a critical time. This senseless and reckless shutdown of the Homeland Security workforce has resulted in more than 400 TSA employees retiring and thousands of others being out of work,” Lauren Biss, acting assistant secretary of the Department of Homeland Security, said in a statement to the United States. today. “President Trump is taking steps, currently funded by Congress, to deploy hundreds of ICE officers to adversely affected airports. This will help strengthen TSA’s efforts to keep our skies safe and minimize disruption to air travel.”

Reuters reported that ICE officers will not be immediately deployed to secure areas of the airport because they lack proper security clearance.

contribution: N’Dare Yancey Bragg;America Today

What is the difference between gold spot price and retail price

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Gold prices rose above $5,000 per ounce in early 2026, attracting a new wave of investors into the precious metals market. For many novice investors, the gold spot price (the benchmark price for the cost of gold traded on global exchanges) is often the first number they check. But that’s rarely the price you actually pay.

What often surprises first-time buyers is that physical gold almost always sells for more than the spot price. This difference, known as the premium, reflects the actual cost of minting, distributing, and selling coins and bars. Here’s the difference and what it means when you’re ready to buy.

What is the spot price of gold?

The spot price is a benchmark for the spot gold price quoted per troy ounce. It tracks large trades between institutional investors such as banks and investment companies (not finished coins and bars purchased by everyday investors).

“The physical gold that investors purchase goes through a series of stages before it reaches the retail market,” explains Nathan Stone, a certified financial planner and associate advisor at Delta Wealth Advisors in Indianapolis, Indiana. “It has to be refined, minted, transported and distributed through dealers.”

Because of this process, “individual investors end up paying more for physical gold than they would for physical gold,” says Henry Yoshida, a certified financial planner and CEO of Rocket Dollar, an Austin, Texas-based fintech company.

Understanding how spot prices work helps explain why retail prices are higher.

Why gold sells higher than the spot price

When investors buy physical gold, they pay the spot price plus a premium. This is an additional cost built into all physical gold products.

This premium reflects several cost tiers, including:

  • Manufacturing and refining: Before dealers can sell it to investors, raw gold must be refined to strict purity standards and minted into finished coins or bars.
  • Distribution and logistics: Gold moves through a secure transportation network before reaching dealers. Each stop along the way adds to the final cost.
  • Dealer price increase: Like any other business, gold dealers charge more than cost in order to make a profit.
  • Supply and demand: Premiums do not always move in tandem with spot prices. When buyers flood the market, dealers may charge extra, even if the spot price remains largely unchanged.

“The biggest factors are production costs at mints and refineries and price increases at dealers,” Yoshida explains.

Premium differences between gold products

Not all gold products carry the same premium. “Large bars are a wholesale form of gold with minimal manufacturing complexity, so premiums are kept low,” Yoshida says. “While government coins carry the cost of sovereign minting and global brand recognition, collectibles carry a scarcity premium that has nothing to do with the underlying gold price.”

Here’s a comparison of the three main products:

product premium level why
big gold bars lowest Easy to manufacture, costs are spread over larger weights
Government bullion (coins made from physical gold or silver) moderate to high Sovereign mint, global recognition, easy resale
numismatic (collectible) coins the best Value related to rarity, grade, and historical significance

How investors compare gold prices

Comparing gold prices before purchasing physical gold can make a big difference in what an investor pays.

When shopping, keep these tips in mind.

  • Compare insurance premiums between dealers. “Smart commodity investors aren’t just watching the price of gold, they’re also watching the price of the premium,” Stone said. Use premium rather than spot per ounce as your baseline, as weight and product type can affect the total sticker price.
  • Pay attention to the price per ounce. When comparing similar products between dealers, looking at cost per ounce instead of total price provides clearer and more accurate information.
  • Know the spot price. Before you walk into a dealer (or visit their website), a quick look at the day’s spot price will give you a realistic idea of ​​whether it’s a good deal.
  • Note the outliers on both ends. “Prices well below market value should immediately raise questions about authenticity and sourcing, as authorized dealers incur real costs,” Yoshida warns. “If you see excessive markups on standard bullion, you are likely dealing with a dealer who is targeting uninformed buyers.”

Where investors usually buy gold

Investors can purchase physical gold through three main channels:

  • Precious metal specialist We help investors buy physical gold or add it to their retirement accounts. American Hartford Gold, Thor Metals, Goldco, and Priority Gold are examples of companies that sell coins and bars that can discuss IRA-approved storage options.
  • online bullion retailer Worth considering if competitive pricing and variety are priorities. Most companies insure shipping and accept orders 24 hours a day. Make sure shipping time and cost don’t stop you from getting premium savings.
  • local coin shop Some buyers like this so they can actually see the gold. There are no shipping charges or waiting times, but the premium tends to be higher than online due to overhead costs and less inventory.

No matter where you buy, compare premiums and check buyback policies from multiple dealers. Working with a dealer who offers fair buyback terms will make it much easier to sell your gold in the future when you’re ready to turn it into cash.

conclusion

The spot price represents the world market value of gold, but it is not the final amount investors will pay. Retail prices reflect all costs involved in manufacturing and shipping the finished product, and those costs vary depending on what you buy and where you buy it.

To protect yourself, read up on how to buy gold safely and common precious metal investment scams before taking action. And if you’re not sure if gold is in your portfolio, a financial advisor can explain your options and find out how to start small.

When comparing dealers, focus on premiums, commissions and buyback policies, or use our vetted comparison tools to evaluate your options side by side.

FAQ: Gold spot price and retail price

Why is the price of gold higher than the spot price?

The price of gold is higher than the spot price because the spot price only reflects the raw market value of gold. The retail price includes a premium that covers the costs of refining, casting, transportation, and dealer markup.

Will gold dealers sell at spot prices?

No, reputable gold dealers do not sell at spot prices due to overhead costs. To make a profit, you need to charge above spot. Markup is standard across industries.

How can I compare gold prices between dealers?

To compare gold prices between dealers, look at how much above the spot price each dealer charges per ounce, rather than the total sticker price. We factor in shipping, insurance, and buyout policies to get the true picture.

March Madness Bracket, NCAA Tournament Schedule Updated

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From 68 years old to 16 years old.

After the second round of the 2026 Men’s NCAA Tournament on Sunday, March 22nd, there are only so many teams left to challenge for the national championship in March Madness.

Buy Sweet 16 Tickets Now

While the opening round of the NCAA Tournament was mostly stable, there were enough upsets and close calls to keep all of the top seeds on guard heading into the second round of the tournament and beyond.

On Sunday, March 22nd, Purdue, the No. 2 seed in the West, defeated No. 7 Miami, 79-69, to become the first team to advance to the Sweet 16. From there, the second half of the second round saw multiple upsets, with No. 6 Tennessee defeating No. 3 Virginia 79-72 in the Midwest and No. 9 Iowa shocking defending national champion Florida State in the South with a last-second, 3-second win over the No. 1 seed.

In a 4-5 series, St. John’s made an incredible layup in the final minute to defeat fourth-seeded Kansas 67-65, while fourth-seeded Alabama scored 90 points in the second game and defeated Texas Tech, without JT Toppin, 90-65.

Here’s the latest information on which teams will advance to the second round and beyond, including the latest pairings, matchups and schedules.

  • No. 1 Duke (East)
  • #1 Arizona (Western Region)
  • #1 Michigan (Midwest)
  • 2nd Place UConn (Eastern Region)
  • 2nd place Iowa (Midwest)
  • 2nd place Purdue (Western Region)
  • 2nd place Houston (Southern region)
  • 3rd place Michigan State (Eastern Division)
  • 3rd place Illinois (Southern Region)
  • 4th place Alabama (Midwest)
  • 4th place: Arkansas (Western Region)
  • 4th place: Nebraska (southern region)
  • No. 5 St. John’s (East Region)
  • 6. Tennessee (Midwest)
  • 9th Iowa (Southern Division)
  • 11th Texas (West)

Sweet 16 schedule, game times, TV information, Sweet 16 locations

Always east.

Games will be held at Toyota Center in Houston and SAP Center in San Jose, California.

Thursday, March 26th

  • 7:10pm: No. 2 Purdue vs. No. 11 Texas (West), CBS (Hubo)
  • 7:30pm: No. 4 Nebraska vs. No. 9 Iowa (Southern), TBS/truTV (Sling TV)
  • 9:45pm: 1st place Arizona vs. 4th place Arkansas (West), CBS (Fubo)
  • 10:05pm: No. 2 Houston vs. No. 3 Illinois (South), TBS/truTV (Sling TV)

Friday, March 27th

  • 7:10pm: No. 1 Duke vs. No. 5 St. John’s (East), CBS (Fubo)
  • 7:35pm: No. 1 Michigan vs. No. 4 Alabama (Midwest), TBS/truTV (Sling TV)
  • 9:45pm: No. 2 UConn vs. No. 3 Michigan State (Eastern), CBS (Hubo)
  • 10:10pm: No. 2 Iowa State vs. No. 6 Tennessee (Midwest), TBS/truTV (Sling TV)

Men’s March Madness Bracket Updates

This section will be updated

eastern region

1st round

  • 1st Duke 71, 16th Siena 65
  • 2nd place UConn 82, 15th place Furman 71
  • 3rd place Michigan State 92, 14th place North Dakota State 67
  • 4th Kansas State 68, 13th California Baptist 60
  • 5th St. John’s 79, 12th Northern Iowa 53
  • 6th Louisville 83, 11th South Florida 79
  • 7th place UCLA 75, 10th place Central Florida 71
  • 9th TCU 66, 8th Ohio State 64

2nd round

  • 1st place Duke 81, 9th place TCU 58
  • 5th St. John’s 67, 4th Kansas 65
  • 3rd place Michigan State University 77, University of Louisville 69
  • 2nd place UConn 73, 7th place UCLA 57

suite 16

  • 1st place Duke vs. 5th place St. John’s
  • 3rd place Michigan State University vs. 2nd place University College

Midwest region

1st round

  • 1st Michigan 101, 16th Howard 80
  • 2nd place Iowa State 108, 15th place Tennessee State 74
  • 3rd place Virginia 82, 14th place Wright State University 73
  • 4th place Alabama 90, 13th place Hofstra 70
  • 5th Texas Tech 91, 12th Howard 71
  • 6th Tennessee 78, 11th Miami (Ohio) 56
  • 7th place Kentucky 89, 10th place Santa Clara 84 (OT)
  • 9th St. Louis 102, 8th Georgia 77

2nd round

  • 1st place Michigan 95, 9th place St. Louis 72
  • 4th place Alabama 90, 5th place Texas Tech 65
  • 6th place Tennessee 79, 3rd place Virginia 72
  • 2nd place Iowa State University 82, 7th place Kentucky State 63

suite 16

  • 1st place Michigan vs. 4th place Alabama
  • 2nd place Iowa State vs. 6th place Tennessee

southern region

1st round

  • No. 1 Florida 114, No. 16 Prairie View A&M 55
  • 2nd place Houston 78, 15th place Idaho 47
  • 3rd place Illinois 105, 14th place Penn 70
  • 4th place Nebraska 76, 13th place Troy 47
  • 5th place Vanderbilt 78, 12th place McNeese 68
  • 11th VCU 82, 6th North Carolina 78
  • 10th Texas A&M 63, 7th St. Mary’s 50
  • 9th Iowa 67, 8th Clemson 61

2nd round

  • 9th place Iowa 73, 1st place Florida 72
  • 4th place Nebraska 76, 5th place Vanderbilt 74
  • 3rd place Illinois 76, 11th place VCU 55
  • 2nd place Houston 88, 10th place Texas A&M 57

suite 16

  • No. 3 Illinois vs. No. 2 Houston
  • No. 4 Nebraska vs. No. 9 Iowa State

western region

first round

  • 1st place Arizona 82, 16th place Long Island 58
  • 2nd place Purdue 104, 15th place Queens 71
  • 3rd place Gonzaga State 73, 14th place Kennesaw State University 64
  • 4th place: Arkansas 97, 13th place: Hawaii 78
  • 12th High Point 83, 5th Wisconsin 82
  • No. 11 Texas 79, No. 6 BYU 71
  • 9th Utah State University 86, 8th Villanova State 76
  • 7th Miami 80, 10th Missouri 66

2nd round

  • 1st Arizona State 78, 9th Utah State 66
  • 4th place: Arkansas 94, 12th place: High Point 88
  • 11th Texas 74, 3rd Gonzaga 68
  • 2nd place Purdue 79, 7th place Miami 69

suite 16

  • No. 4 Arkansas vs. No. 1 Arizona
  • 2nd place Purdue 11th place Texas

Religious Freedom and Abortion | State Court Report

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Back in 2022, a group of anonymous plaintiffs and a group called Hoosier Jews for Choice filed a lawsuit in state court claiming that Indiana’s abortion ban violated their right to religious freedom. For example, one Jewish plaintiff believes that abortion is necessary when a person’s physical, mental, or emotional health is at risk. Other plaintiffs believe they have a personal spiritual obligation to decide whether to continue with the pregnancy, rooted in religious beliefs about autonomy.

Earlier this month, an Indiana trial court sided with the plaintiffs, ruling that a state law that strengthens religious freedom protections exempts abortion from a ban if the state’s ban would substantially burden an individual’s practice of religion. The judge permanently blocked the law from applying to this group of affected people.

There’s a lot to say about this decision, and it’s already on appeal, but it’s a great decision. state court report An analysis by Mary Ziegler, a law professor at the University of California, Davis, is a good place to start. What strikes me is how this case fits into broader legal developments regarding the meaning of the free exercise of religion. The issue has seen significant (and repeated) intervention by the Supreme Court, Congress, state legislatures, and state courts, as well as cameos from the NCAA, Miley Cyrus (I’ll explain!), and many other notable figures in politics, culture, and business.

For our purposes, the story begins with a 1990 U.S. Supreme Court case. Employment Department v. SmithOregon attempted to apply a law banning peyote to Native American churches that used peyote for sacramental purposes. Breaking with precedent, the court ruled that the First Amendment does not provide protection when neutral, generally applicable laws burden religious activities.

smith This sparked rare bipartisan outrage, with a consensus that the court was wrong. In 1993, Congress responded by passing the Religious Freedom Restoration Act (RFRA) with near-unanimous support. Laws aimed at restoring a previous state of affairssmith This standard requires that government actions that burden religious practices be closely tailored to achieve the government’s compelling interests. However, in 1997, the Supreme Court ruled as follows: City of Boerne vs. Flores Island that Congress exceeded its constitutional authority in applying RFRA to the states;

city ​​of boerne This led to increased activity in state legislatures and codified RFRA protections into state law. Congress also passed another The Religious Land Use and Institutionalized Persons Act (RLUIPA) applied RFRA standards to state prisoners and made state land use regulations a condition of receiving federal funds. Currently, all 50 states are subject to RLUIPA, and 29 states have adopted their own RFRA. In some other states, such as Massachusetts, state supreme courts have interpreted the state constitution to provide stronger free exercise protections than the U.S. Constitution.

But what began with broad bipartisan agreement suddenly changed by the mid-2010s, as conservatives began applying religious freedom arguments more and more frequently to oppose protections for LGBTQ+ rights, access to contraception and abortion, and more. The Supreme Court rejoined the fray in 2014, dramatically expanding RFRA’s authority. Burwell vs. Hobby Lobby Store Ruling. A court has ruled that Hobby Lobby, a privately held for-profit company, can deny employees health insurance coverage for contraceptives required by the Affordable Care Act, citing the company’s management’s religious objections.

In this new context, Indiana passed its own RFRA in 2015 under a cloud of controversy and boycotts. Critics argued that the law included provisions extending protections to corporations and other businesses and could open the door to religiously motivated LGBTQ+ discrimination. NBA players, Apple’s CEO, the NCAA, Miley Cyrus, and many others spoke out against it, while companies, unions, and many cities and states announced boycotts. In the face of widespread outrage, Indiana amended RFRA and added explicit anti-discrimination protections.

Supreme Court decision to be handed down in 2022 Dobbs v. Jackson Women’s Health Organization The assertion that there is no right to abortion in the federal constitution begins a new chapter in the state’s RFRA. After dozens of states, including Indiana, imposed abortion bans and other restrictions. dobbssome have been sued on religious freedom grounds.

Recent Supreme Court precedent extends religious freedom protections under RFRA far beyond what was previously available.smith In these cases, standards have a big impact. For example, the Indiana Court of Appeals’ decisions in the early stages of this case relied heavily on the Supreme Court’s reasoning. hobby lobby. Indiana defended the law by arguing that abortion is not a mandatory religious ritual, but the court noted that “purchasing health insurance is not a mandatory religious ritual either.”

The trial and appellate courts also pointed to other legal exceptions to the state’s abortion ban, arguing that Indiana cannot claim a compelling interest in denying immunity to plaintiffs while also granting immunity to others. “The Abortion Act allows a plaintiff to seek an abortion if she becomes pregnant as a result of rape, but not when her religious beliefs mandate it,” the trial court said.

Both the Supreme Court and many states have given space for religious conscience to become increasingly involved in challenges to laws of general application. The Indiana case tests the limits of these decisions while also serving as a reminder that religious conscience flows in different directions.

Alicia Bannon is the editor-in-chief state court report. She is also the director of justice programs at the Brennan Center for Justice.

Recommended quote: Alicia Bannon religious freedom and abortionSᴛᴀᴛᴇ Cᴏᴜʀᴛ Rᴇᴘᴏʀᴛ (March 19, 2026)

Gold price today on March 23, 2026

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How much is gold per ounce today?

As of 8:15 AM ET on March 23, 2026, the spot price of gold is $4,358.97 per oz., according to the latest market data. This was down 3% and $134.81 from the previous close of $4,493.78.

One year ago, gold was trading at $3,023.72 per ounce. This means the price has increased by 44.16% over the past 12 months.

Key levels to look out for this week:

52 week low: $2,979.29

52 week high: $5,477.79

Gold is trading 20.42% below its 52-week high. The stock is still 46.31% above its 52-week low.

What is the historical price of gold?

today 1 week ago 1 month ago 1 year ago
$4,358.97 $4,999.75 $5,107.18 $3,023.72

A week ago, gold was trading at $4,999.75 per ounce. The price fell by 12.82% compared to a week ago.

A month ago, gold was trading at $5,107.18 per ounce. The price decreased by 14.65% from the previous month.

USA TODAY is an independent publisher and not an investment advisor. The information provided is for educational purposes only and should not be construed as financial, investment, or trading advice. We recommend that you seek independent advice from a qualified professional regarding any specific financial decisions you may make. Trading commodities, futures, and options involves significant risk of loss. Individual investment results may vary. Past performance is not indicative of future results. Prices change rapidly and unpredictably due to factors such as supply/demand, weather, and geopolitical events. Our company assumes no responsibility for any loss or damage arising from the use of the information.

What is driving the price of gold today?

The price of gold is driven by inflation expectations, central bank policies, global economic conditions, and investor demand. The strength of currencies, especially the US dollar, can influence daily prices, as well as physical and industrial demand. For more on the market, read the latest investment news on USA TODAY Money.

What is XAU/USD?

XAU/USD is the ticker symbol used to track the spot price of gold in US dollars.

XAU stands for 1 troy ounce of gold and USD stands for US dollar. The estimated price tells you how many dollars it costs to purchase one ounce.

Prices are usually quoted per troy ounce, which is slightly heavier than a standard ounce.

Spot prices reflect real-time market transactions and serve as a benchmark for futures contracts, ETFs, and retail bullion prices.

how to invest in gold

To invest in gold, you can buy physical coins and bars, buy ETFs that track the price of gold, or invest in mining stocks. Be sure to weigh costs, storage needs, and risk tolerance before making a decision.

Disclaimer: This USA TODAY Money article was automatically generated using live market data from Alpha Vantage. If you think we made a mistake or have feedback, please use this form.

President Trump deploys ICE at airports. Know Your Rights in O’Hare, Midway

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Immigration and Customs Enforcement agents may be present at Chicago airports starting Monday, March 23, according to President Donald Trump’s recent announcement.

The president said Immigration and Customs Enforcement will support understaffed Transportation Security Administration agents as the partial shutdown continues, although some details are still unclear.

Here’s what travelers passing through Chicago should know about their rights.

Are ICE agents at Chicago O’Hare or Midway airports?

The Trump administration has not yet announced which airports it will send personnel to or how many employees will be involved.

White House Border Patrol official Tom Homan said in a March 22 interview on CNN’s “State of the Union” that the operation was a “work in progress,” but said he expected a plan to be finalized by the end of Sunday. He added that ICE should prioritize airports with “high wait times” that impact travelers.

USA TODAY Network has reached out to the Chicago Department of Aviation but has not yet heard back.

However, CBS News Chicago confirmed Monday morning that ICE agents were at O’Hare and said the alleged agent was seen by TSA agents at baggage claim.

What do ICE agents do at the airport?

Homan said ICE officers will not be manning the X-ray machines, but will continue to perform immigration duties while assisting with other tasks. The specific mission has not yet been revealed.

“There’s a role we can play in relieving TSA officers from non-essential roles, such as guarding exits and returning to screening machines so we can move people around faster,” Homan said. “We’re just helping our fellow TSA employees.”

What are the rights of American citizens in airport security?

For U.S. citizens, airport security checkpoints remain primarily governed by administrative inspection regulations rather than criminal law enforcement.

Travelers must present identification and follow TSA screening procedures when boarding the plane. But legal experts note that citizens generally have the right to remain silent when questioned by law enforcement, including ICE officers, beyond basic identification in certain circumstances.

If stopped, passengers only need to answer routine questions about the nature of their trip and verify their identity. However, according to the ACLU’s Know Your Rights Guide, if you refuse to have your phone searched, you could be subject to detention and further testing.

Importantly, ICE officers do not have unrestricted authority to detain or interrogate U.S. citizens without cause. The Fourth Amendment protects against unreasonable searches and seizures. This means that prolonged detention and invasive interrogation usually require reasonable suspicion or probable cause. Travelers’ rights are weakened within 100 miles of the U.S. border, subject to warrantless searches to some extent. Past incidents, including cases in which U.S. citizens were wrongly detained by immigration authorities, have raised concerns about overreach.

What are the rights of residents and non-citizens at airports?

Legal permanent residents and visa holders also have important rights at airports, but their situation is more complex.

Although they are typically required to answer questions related to their immigration status upon entering the United States, they still have due process protections under the Fifth Amendment.

Noncitizens, especially those without legal status, can face extensive questioning from ICE. However, they still have important rights, including the right to remain silent, the right to refuse consent to searches of their belongings in some circumstances, and the right to a lawyer if they are detained.

If a passenger feels that their rights have been violated, it may be helpful to have a lawyer’s contact information on hand (preferably on a piece of paper that is easily accessible). Noor Zafar, a senior staff attorney with the American Civil Liberties Union’s Immigrant Rights Project, previously told USA TODAY that requests for attorneys vary depending on the situation, such as in cases of long-term detention. Travelers should note that police officers have the power to refuse requests.

The legal challenge, which dates back to immigration orders early in the Trump administration, underscores that even noncitizens at airports cannot be denied basic legal protections, such as access to a lawyer and protection from illegal detention.

Civil rights activists have warned that the presence of ICE agents at airports could blur the line between routine security screening and immigration enforcement. Although ICE has the power to arrest immigrants under federal law, that power is not unlimited and it still must adhere to constitutional safeguards.

As closures continue and ICE deployments begin, travelers could face an uncertain legal situation.

TSA wait times at O’Hare and Midway

Travelers who want to know current security wait times should check the Airport Insight website. This website provides airport-specific estimates, but covers only a small number of airports.

Chicago O’Hare and Midway airports are not listed on the website, so local travelers should consider using FlightQueue.

“Airline passengers should visit the airport’s website or app for wait time details,” the TSA told USA TODAY.

The agency confirmed that both the MyTSA mobile app and the agency’s wait time tracker are down due to the partial U.S. government shutdown.

Jet plane collides with truck, pilot and co-pilot killed

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New York’s LaGuardia Airport was closed on March 23 after an Air Canada Express jet collided with a fire truck on the airport’s runway the night before, killing two pilots and injuring dozens, officials said.

The Air Canada Express passenger plane was carrying 72 passengers and four crew members when it collided with an emergency vehicle late on March 22, Kathryn Garcia, executive director of the Port Authority of New York and New Jersey, said at a news conference. Garcia said the Port Authority’s Aircraft Rescue Fire Vehicle was responding to another aircraft operated by United Airlines that reported an odor problem.

In a statement released on March 23, Air Canada identified its commercial aircraft as a Jazz Aviation Mitsubishi CRJ-900 and said the crash occurred around 11:30 p.m.

Jazz Aviation, which operates as Air Canada Express, confirmed in a statement that evening that the plane was headed from Montreal to LaGuardia. Photos from the crash scene showed visible damage to the nose of the plane, which pitched upwards.

Garcia announced that 41 passengers and crew members were taken to hospitals. Thirty-two of them were released, but some suffered “serious injuries.” The injured included two police officers who were on the fire truck, and both remain hospitalized with non-life-threatening injuries.

“We are deeply saddened by the loss of two Jazz employees and extend our deepest condolences to the entire Jazz community and their families,” Air Canada said in a statement, adding that aviation authorities could not yet confirm “the exact number of injuries or whether there have been any other fatalities at this time.”

“Air Canada and Jazz Aviation teams are preparing to proceed to the scene and further details will be provided through a further statement as soon as possible,” the airlines wrote.

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.

Garcia said the airport will be closed until at least 2 p.m. The U.S. National Transportation Safety Board will be on the scene and will lead the investigation. 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.

More than 540 flights canceled at LaGuardia Airport

Some 543 flights to and from the airport were canceled on March 23, 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 closure of one of New York’s busiest airports comes as a partial government shutdown disrupts travel. 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.

According to the Port Authority of New York and New Jersey, LaGuardia Airport will serve more than 30 million passengers annually in 2025, and a wide range of U.S. airlines service the airport.

The crash is one of the most recent aviation accidents

According to the FAA, there were 97 runway incursions in January of this year, compared to 133 in the same period last year.

The crash at LaGuardia Airport comes after a year-long investigation into the January 2025 collision between an American Airlines regional jet and a U.S. military Black Hawk helicopter over the Potomac River that killed 67 people.

In November, a UPS cargo plane crashed shortly after takeoff in Louisville, Kentucky, killing 15 people, including all three of the cargo plane’s crew and 12 people on the ground.

Contributed by: Reuters; Lillian Metzmeyer, Janine Santucci, Thao Nguyen, Charles Ventura. USA Today Network

Silver price today on March 23, 2026

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How much is silver worth per ounce today?

As of 8:15 AM ET on March 23, 2026, the spot price of silver is $66.95 per oz., according to the latest market data. The stock fell 1.42%, or $0.96 from the previous closing price of $67.91.

One year ago, silver was trading at $33.03 per ounce. This means that the price has increased by 102.67% in the last 12 months.

Key levels to look out for this week:

52 week low: $28.67

52 week high: $117.39

Silver is trading 42.97% below its 52-week high. It is 133.52% higher than its 52-week low.

What is the historical price of silver?

today 1 week ago 1 month ago 1 year ago
$66.95 $79.35 $84.75 $33.03

A week ago, silver was trading at $79.35 per ounce. The price fell by 15.62% compared to a week ago.

A month ago, silver was trading at $84.75 per ounce. Prices have fallen 21% compared to a month ago.

USA TODAY is an independent publisher and not an investment advisor. The information provided is for educational purposes only and should not be construed as financial, investment, or trading advice. We recommend that you seek independent advice from a qualified professional regarding any specific financial decisions you may make. Trading commodities, futures, and options involves significant risk of loss. Individual investment results may vary. Past performance is not indicative of future results. Prices change rapidly and unpredictably due to factors such as supply/demand, weather, and geopolitical events. Our company assumes no responsibility for any loss or damage arising from the use of the information.

What is driving the price of silver today?

The price of silver is driven by inflation expectations, central bank policy, global economic conditions, and investor demand. The strength of currencies, especially the US dollar, can influence daily prices, as well as physical and industrial demand. For more on the market, read the latest investment news on USA TODAY Money.

What does XAG/USD mean?

XAG/USD is the ticker symbol used to track the spot price of silver in US dollars.

XAG stands for 1 troy ounce of silver and USD stands for US dollar. The estimated price tells you how many dollars it costs to purchase one ounce.

Prices are usually quoted per troy ounce, which is slightly heavier than a standard ounce.

Spot prices reflect real-time market transactions and serve as a benchmark for futures contracts, ETFs, and retail bullion prices.

how to invest in silver

Investing in silver can be done by buying physical coins and bars, buying ETFs that track its price, or investing in mining stocks. Be sure to weigh costs, storage needs, and risk tolerance before making a decision.

Disclaimer: This USA TODAY Money article was automatically generated using live market data from Alpha Vantage. If you think we made a mistake or have feedback, please use this form.

Prenuvo expands full-body MRI offering with large testing facility

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BETHESDA, Md. — Beep. beep. beep. A full-body MRI machine buzzes and I talk to a skeleton staring back at me on a computer screen. On a gray afternoon in March, a technician highlights specific parts of a patient’s anatomy, each part generating its own pitch and rhythm. This person’s brain, especially the hippocampus, looks like a tree, with arteries extending out like branches. Once completed, this Prenuvo scan will provide this patient and their healthcare provider with 1.3 billion data points about their health. You read it correctly: 1.3 Billion.

“We designed it to get as much information as possible across different organ systems and proactively detect all sorts of things you might want to know,” says Dr. Daniel Durand, Prenuvo’s chief medical officer, wearing a smartwatch on his wrist. The company says it has found potentially life-threatening symptoms in 1 in 20 people.

And we plan to provide even more data in the future. Prenuvo is launching a new blood testing component to complement its whole body MRI services as part of its new membership package. It’s not increasing prices, it’s just adding lab evaluations that assess biomarkers related to inflammation, cardiovascular risk, hormonal balance, and more.

Prenuvo reiterated that he sees it as a complement to primary care in itself and does not recommend skipping regular doctor visits. “Today, we are not replacing primary care,” Durand said. “We’re not replacing these other tests, we’re adding to them. But what we’re trying to do in the future is make sure you can get this holistically, in one environment, in a way that’s really comfortable, because that’s what makes people want to come back.”

What does Prenuvo’s new membership tier look like?

If you want a Prenuvo scan, here’s what to expect:

  • Core membership. Cost: $1,199 per year. This includes a faster, 30-minute MRI intensive scan that examines you from your head to mid-thigh, as well as a blood panel evaluation to give you an overall picture of your health.
  • Comprehensive membership system. Cost: $2,499 per year. This includes a full body scan and a more detailed panel of tests including metabolic, cardiovascular, hormonal and inflammatory biomarkers.
  • Executive membership: Cost: $4,499 per year, except $4,999 in New York. This is the company’s most detailed option. You’ll get a full body scan, brain health assessment, body composition analysis, and a more detailed test panel. Gain insight into reproductive hormones, metabolic markers, nutrient levels, and systemic inflammation.

If you would like to skip the blood test and just have a scan, you will pay the same price, but that is also an option.

In the United States, only five cancers are widely tested: breast cancer, colorectal cancer, prostate cancer, cervical cancer, and lung cancer, the latter only for high-risk patients. Such tests prevent deaths, but in Duran’s mind, and where Prenuvo helps, “it’s not enough to have science. You have to think through experience. You have to think through engagement.” The future of screening technology is more like a one-stop-shop, rather than scanning organ by organ and making dozens of appointments.

Preventive medicine providers and radiologists work together to provide an accurate and detailed picture of a patient’s health based on both MRI and blood test results. These consultations will focus on “what are the really significant things this person can do to improve their health,” Durand says.

Although Prenuvo recommends annual scans for most patients, some patients may be asked to come in earlier depending on the symptoms they are noting, or we may bring them in for additional screenings. In patients under 40 years of age, if there is nothing remotely suspicious to monitor, recurrence may occur every two years, although this is rare.

Who exactly is Prenuvo’s target market?We believe users of the Oura ring are people who are currently healthy and want to know as much as possible about their bodies. Another market is the “anxious well,” or customers who skew older and want early detection of illness. They may also flock to liquid biopsy tests like Galleri’s for early detection of multiple cancers.

Patients may experience sticker shock with Prenuvo’s pricing. But “uniquely in the medical industry, we tell you how much a test costs, so there are no surprises,” Durand said. Still, if the test turns up something that requires additional diagnosis, you’ll end up joining a health care system with more opaque pricing anyway. According to 2024 statistics from the Kaiser Family Foundation, the average out-of-pocket medical expense in the United States, excluding health insurance premiums, is $1,632 per person. Prenuvo scans are not covered by insurance, so these tests incur additional medical costs.

“We choose not to destroy the information.”

Research shows that whole-body MRI somethingHowever, the actual disease is much more rare. A 2020 study found that 95% of asymptomatic patients had some kind of “abnormal” finding, but only 1.8% of these findings were actually cancerous. Studies have shown mixed results regarding the extent to which these tests cause incidental findings.

Prenuvo plans to use 1.3 billion data points to find out what you don’t need to worry about. This is a trade-off with having a thorough test. For example, when we take a CT scan of an elderly person, it contains a large amount of information about aging blood vessels that are discarded. Why should we worry about chronic diseases when they are not something that will kill us?

“We decided not to destroy the information,” Durand said. “We think all the information is really important, and I think radiology is moving in that direction.”

It’s important to note that Prenuvo isn’t the only whole-body MRI company out there. Function and SimonMed are other options, each touting benefits that set them apart from the other.

Prenuvo has numerous clinical studies and trials underway. A Boston-based company called Hercules is surveying 100,000 people to assess the clinical performance of these scans and whether having them had a positive or negative impact on their health.

“We think this creates a higher level of evidentiary fact base to talk to insurance companies about coverage,” said Andrew Lacey, founder and CEO of Prenuvo. While some of his friends remain skeptical about getting tested themselves, many say they value the test and plan to get tested every year.

“If you change consumer expectations about health care, that will eventually trickle up to doctors and employers,” he says, offering hope for a future where these procedures are covered.

The history of medical screening generally leans toward doing more tests earlier, Durand said. That also applies to the patients at the Bethesda table who have returned as Prenuvo customers. “It’s the best way to stay healthy,” Durand joked.

When will President Trump set a new deadline for Iran to reopen the Strait of Hormuz?

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President Donald Trump has extended a previously set Monday, March 23 deadline for Iran to reopen the Strait of Hormuz.

Days after the Middle Eastern country threatened to retaliate with attacks on critical energy and water systems, President Trump announced in a social media post Monday morning that he had “good, productive conversations” with Iran over the weekend.

“I have directed the Department of the Army to postpone any military strikes against Iranian power plants and energy infrastructure for five days, conditional on the success of ongoing meetings and discussions,” he wrote around 7:23 a.m. ET.

Following President Trump’s announcement, Iran’s Tasnim news agency said the strait had not returned to pre-war conditions and the energy market remained unstable, adding that negotiations with the United States were not progressing, according to Reuters.

Tasnim added that under pressure from financial markets, the US president backed off attacks on Iran’s critical infrastructure and warned that Iran would continue to defend itself until it achieved deterrence.

What is the new deadline for Iran to reopen the Strait of Hormuz, according to President Trump?

President Trump said the United States would “delay” any military strikes until Friday, March 27, as long as negotiations continue.

In a social media post, President Trump cited the “thorough, detailed and constructive dialogue” currently underway and said the postponement “is contingent on the success of ongoing meetings and discussions.”

These talks are moving toward “a complete and complete resolution of hostilities in the Middle East,” the poster said.

The waterway became a focal point of the conflict after Iranian attacks effectively blocked the strait, which carries about 20% of the world’s oil and liquefied natural gas.

Contributor: Reuters; Thao Nguyen, James Powell, USA TODAY

Travelers are reconsidering travel amid concerns, delays and costs

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Travelers are rethinking travel as safety concerns, rising costs and airport disruptions undermine confidence in flying.

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  • Geopolitical tensions, airport disruptions and rising prices have combined to make travel uneasy for some Americans.
  • Some travelers are canceling or reconsidering trips due to concerns about terrorism, long TSA lines, and increased airfare prices.
  • Travelers are also rerouting their trips to avoid geopolitically volatile regions such as the Middle East.

Kara Richardson was looking forward to mid-March.

The Georgia-based travel content creator was planning a trip to Orange County, California, where he was scheduled to attend the Overland Expo. But in the days leading up to her flight, a series of headlines, from geopolitical tensions to airport chaos, began to chip away at her confidence in the trip.

After reading a report that the FBI had warned California authorities about a possible attack by Iran on the West Coast, which the FBI said did not have enough verified information to support that claim, she decided not to go.

The 42-year-old told USA TODAY: “It was so scary that I decided to put an end to it.”

Other events also strengthened her decision, including the diversion of her Southwest Airlines flight due to potential safety issues, long lines at the airport and rising airfares on her route.

Richardson, who typically travels five or six times a year with her husband, Duane, chose to stay home instead.

Her hesitation reflects a moment of widespread disruption across the travel industry, one not caused by a single crisis but the convergence of multiple crises.

A new kind of travel anxiety

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Is it safe to travel to Mexico? See what our experts say.

USA TODAY’s Eve Chen spoke with former CIA officials and security experts about the current situation in Mexico after the death of “El Mencho.”

In the early days of the COVID-19 pandemic, travel demand collapsed under the weight of health concerns and government restrictions. In the spring of 2026, the pressure will be more dispersed but less influential.

Geopolitical tensions, including the Iran war, have renewed fears of terrorism and instability. Former Secretary of Homeland Security Jeh Johnson told CNBC that the United States operates in “an environment of heightened security threats due to the fact that Iran is a state sponsor of terrorism.”

For some travelers, these warnings hit close to home.

Kate Swarthout, 50, last week prepared for a long-planned trip to visit family in New Zealand. But her thinking about flying changed dramatically.

“And even though I’m still really nervous, more nervous about domestic flights than international flights, I felt like it was worth going and trying to put the fear aside,” the California resident said. “But with that said, I can tell you right now, it’s going to be a big mess on this plane.”

Swarthout has largely overcome her lifelong fear of flying.

“I was in my mid-20s on 9/11, and the visuals from that time are still very vivid,” she told USA TODAY.

While aviation experts continue to stress that the risks of air travel remain low and that the potential threat extends beyond airports and planes, the psychological impact is more difficult to quantify.

In preparation for the trip, Swarthout turned to coping strategies such as EFT tapping, meditation, and downloading “favorite comfort shows” and movies like “Ted Lasso,” “Crazy Rich Asians” and “Anyone But You.”

Still, the experience caused her to reconsider her future plans.

She said she typically flies at least once a month, but is “really having second thoughts about doing any domestic travel in the near future.”

Domestic Disruption: Shutdowns and Security Lines

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TSA security screenings delayed at airports nationwide due to government shutdown

Travelers are facing significant TSA delays as the government shutdown leaves employees unpaid and airports nationwide strained.

Even travelers trying to overcome safety concerns are encountering practical hurdles closer to home.

The partial government shutdown has put a strain on the Transportation Security Administration, contributing to long security lines at airports across the country. Due to staffing shortages, some travelers are forced to wait significantly longer for flights, sometimes even taking several hours longer than usual.

For travelers like Richardson, that uncertainty is enough to completely derail plans.

“We usually have to start (our trips) in Atlanta, which is the busiest airport in the world,” she said. “And even though there’s a TSA pre-screening, even if I’m like, ‘OK, okay, no need to be scared,’ should I get to the airport eight hours before my flight? Like, do I need to stay the night before? What am I supposed to do here?”

The usual advice to arrive two hours early for domestic flights and three hours early for international flights is becoming less reliable as wait times and staffing levels fluctuate.

For frequent travelers who are used to traveling efficiently, the idea of ​​arriving at the airport half a day early may be hard to swallow.

Increasing costs add new layers

At the same time, economic pressures are driving up the cost of travel.

Rising gasoline prices are increasing the cost of jet fuel, a major expense for airlines. These increases are often passed on to consumers in the form of higher airfares, another factor Richardson cited as a reason for canceling trips.

Travel demand surged in the years immediately following pandemic restrictions, but price sensitivity appears to be returning as economic uncertainty increases.

What the data shows: demand slows, routes change

Early indicators suggest that these overlapping concerns are beginning to impact global travel patterns.

According to aviation analytics firm Cirium, advance booking directional data shows a significant decline in transatlantic travel demand for summer 2026.

Bookings from Europe to the US decreased by 15.34% year over year, and bookings from the US to Europe decreased by 11.19% year over year. This data is based on reservations made through online travel agencies and global distribution systems between October 7, 2025 and March 14, 2025, comparing trips made in July 2026 and July 2025 to the same booking period one year earlier.

This decline was a slight decrease from the beginning of the year, when bookings between Europe and the US were down 14.22% and bookings between the US and Europe were down 7.27%.

This trend is consistent with anecdotal reports from travelers who are reconsidering or postponing their trips.

However, the impact is not uniform across all regions.

In the Middle East, where airspace disruption complicates flight paths, the data shows “some disruption” rather than a widespread decline.

For example, bookings from Australia to Europe that avoided connections through major Middle East hubs such as Dubai, Abu Dhabi, Doha and Bahrain have soared, increasing by 48.6% since February 28, with year-on-year bookings increasing by 24%. This increase suggests that travelers are actively rerouting themselves to avoid certain areas.

World Cup travel shows resilience, but not immunity

Even major world events are not completely isolated from the current climate.

According to Cirium, travel bookings from Europe to North American FIFA World Cup host cities, including New York/New Jersey, Los Angeles, Atlanta and Miami, fell 6.7% year-on-year in June 2026.

Canada’s decline was smaller at 1.5%, with bookings to Mexico down 6.4%.

City-level data shows sharp declines from certain European hubs. For example, bookings from Frankfurt to the US are down 35.74%, and bookings from Amsterdam are down 22.91%. This suggests that even high-profile events are battling the same headwinds that affect the industry as a whole.

On the U.S. side, demand for major European cities has also slowed, with bookings to Frankfurt down 26.8% and bookings to London down 11.31%.

For now, some U.S. travelers are taking a cautious stance.

Richardson and her husband plan to visit Glacier National Park again this summer, but are holding off on booking additional trips, at least until the government shutdown is lifted. For people like Swarthout, that means pushing through fears to stick to long-held plans.

Contributors: Zach Wichter, Eve Chen, Josh Rivera. america today

Grandma Peggy gathers teens for breakfast and pampering

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Teens gather around the table for Grandma Peggy’s Breakfast Club, but it’s more than just a meal

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Peggy Winkowski is one of USA TODAY’s 2026 Women of the Year, which recognizes women who have made a significant impact in and outside of their communities. Here are this year’s winners.

Every Wednesday at 4 a.m., Peggy Winkowski wakes up to make breakfast. She reminds her husband Bill that she is in bed and begins to get ready. “I never leave the bathroom without looking up,” she says. “I’m going to wear earrings. I’m going to go out like today. Every day is a party.”

Then she starts cooking. 8 to 10 pounds of bacon. 4 dozen eggs. A pile of pancakes, sometimes French toast casserole or monkey bread.

At 7:15 a horde of teenagers arrives. They step past the garden of memories in front of them, the sign above the door proclaiming her to be the mayor of the street, and the cheerful lemon tree wallpaper inside. High school students from all grades at Bishop du Bourg, a Catholic school in southwest St. Louis, are settling in with their plates full.

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“The door is always open”: Grandma cooks meals with love

Peggy Winkowski, affectionately known as “Grandma Peggy,” channeled her grief into her weekly breakfast ritual at home.

Winkowski and the kids talk about chemistry tests, farewells, and who will be on the national team. Winkowski, 69, is not their parent. She doesn’t chastise them with questions or pressure them to try harder. she listens. And children listen to each other. Mobile phones rarely appear.

They finish their meal, scrub their plates, put them in the sink, and Grandma Peggy (everyone calls her Grandma Peggy) kicks them out of the house. she washes the dishes. They have a school. After a quick hug, they left.

She has served thousands of meals since Wednesday Breakfast Club started five years ago. It was the brainchild of her grandson, Sam. I went for dinner with some friends on a late Wednesday as usual, and the food was OK. “My grandmother is a better cook than this,” he said. Sam was kind and would sometimes play pranks on you, like turning your locker into yours. The next week, he and his crew went to his grandma’s house. food It was Better.

they continued.

The first year, it was like a grandma’s dream. Her beloved grandchildren and all of their friends gather around her table every week throughout first grade.

Sam was killed in a hit-and-run by a drunk driver. he was 15 years old.

“My door is always open.”

You probably know that Grandma Peggy is a great cook. She taught herself by working at several restaurants and studying cookbooks. “My mother didn’t really like cooking, so I think I wanted to become a little bit better at cooking,” she says.

Another thing you should know is that she’s talkative. How are you today? “I’m still vertical, not horizontal.” Why does she put on full makeup at 4 a.m. before cooking? “When you dress and try to look a little better about yourself, you feel a little better.” These are sayings she learned from life, not from cross-stitching pillows. “You may have bad days, but you have to make the most of them.”

It’s almost unbelievable to hear the list of bad days she had. She divorced her first husband and was left to raise four children on her own. She juggled multiple jobs to make ends meet. “I had to wait in line at night to pay for braces and Catholic school,” she says proudly, with no regrets.

She has had more than 80 surgeries over the years, including two knee replacements, treatment for stage IV colon cancer, and a pacemaker. Her mother passed away during the pandemic. Mr. Winkowski moved her from the nursing home to his home and cared for her for four months so she wouldn’t be alone. Winkowski’s second husband, whom she married when her children were in high school, has Parkinson’s disease, dementia and congestive heart failure, and broke his hip in July. Nevertheless, “I’m still here,” she says cheerfully, then adds, “I guess I’m talking too much for God, and the devil probably doesn’t want me.”

Sam’s death was shocking. Long before The Breakfast Club, he would come over to her house after school and on weekends and spend a few hours with her. “Sammy was my friend,” she says. Before his sophomore year, he had gotten his driver’s license and checked the box to be an organ donor. “We were so proud of him,” she says.

Despite the grief, Winkowski did not complain. “The more sadness there is, the more love there is. Without love, there is no sadness,” she says. “So sadness is a good thing.” Winkowski believes her grandson knew his life was short. “He kept saying, Grandma, he wanted country music to be played at my funeral,” she recalls. “I was like, ‘Sam, no one talks about that at 14!'”

Morgan Wallen made a recurring appearance during the lunch after the funeral.

After that, Winkowski wasn’t sure if her weekly breakfast routine would continue. “All the kids came up and said, ‘Grandma, what are we going to do? Not only are we going to miss Sam, we’re going to miss the Breakfast Club,'” she says. “I said I’d feed it when it came.”

“Breakfast is the most important meal of the day. I’ve proven it.”

Their morning gatherings became a means of healing. “She goes through all the grief and loss and still finds a way to get through it,” said Maia Dozier, Sam’s classmate who will graduate in 2025. “She shows us how friendship and the people around you can get you through difficult times.”

Her children helped her as much as she helped them recover from the loss of their friends. When lightning strikes a tree in front of the house, the children transform the property into Sam’s memory garden. Last January, Sam’s mother, Kimberly, became ill. “We thought Sam’s mother was sick and depressed because she lost her son,” Winkowski says.

It wasn’t depression. On January 9th, she was diagnosed with multiple myeloma. Kimberly passed away on January 27th, leaving behind her mother, twin sister Kelly, and brothers Ricky and Stephen. “I feel like they are God’s children. I was raising them and God could take them back at any time,” she says. “He took two of my angels, so I must have done well.” (One of their dogs then died. “I could have written a country music song,” Winkowski jokes.)

The Breakfast Club kids drove her to the hospital to sit with her daughter and painted her house as part of their community service time. Sam is sure he’s watching. “I think Sam started the Breakfast Club so that when I lost him, I had 35 kids to call me Grandma Peggy,” she says. “I’m sure he’s looking up and saying, ‘Grandma, the eggs were a little too brown today. Be careful next week.'” He’s probably dancing on a cloud with his mother right now. ”

“I try to do a good job every day, and I’m going to try to do better tomorrow.”

Sam was supposed to graduate last May, and several of his classmates went on to higher education. Mr. Winkowski remembers them all. Their names are signed in lemons on the wallpaper in her kitchen – “My wall of fame!” she says. These days, eight to 12 kids come in each week, and she texts her the night before to let her know how many. (“I’m not as smart as my smartphone,” she says.) The community donates money for the food, but most weeks she pays for it herself. “I don’t really do anything during the week,” she says. “This is my fun. I give up all my fun to serve Wednesday’s breakfast.”

Alumni often reach out to Wynkowski to wish her a happy birthday or stop by when she’s home for the holidays. Recently, she had just finished making homemade cereal bars, but the cereal bars came in from boot camp and surprised her.

“Where’s the bacon, Grandma?” he asked.

She put on an apron and started cooking.

Wendy Nogle He is the executive editor of entertainment for USA Today. Follow her on Instagram @wendy_naugle.

ICE, Airports, TSA Wait Times, LaGuardia Incident, March Madness: Daily Briefing

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Welcome to the daily briefing. Start your week with a story like this:

nicole farato here. There’s a lot going on. Take part in our news quiz. From ICE’s role at U.S. airports to the Supreme Court case over mail-in voting, take a closer look at Monday’s news. And if Iowa State cracks your bracket, you’re not alone.

ICE is coming to the airport. Here’s what you need to know:

President Donald Trump said Immigration and Customs Enforcement agents will be heading to U.S. airports starting Monday to support understaffed Transportation Security Administration personnel as the partial government shutdown continues.

It is still unclear which airports ICE agents will be deployed to and how many agents will be involved. White House Border Security Director Tom Homan on Sunday called the operation a “work in progress” and said ICE agents would not be deploying X-ray machines, a move condemned by Democratic Rep. Hakeem Jeffries.

It is also unclear whether ICE’s duties include immigration enforcement at airports.

Are Americans canceling their travel plans or putting plans on hold? Many are reconsidering travel as safety concerns, rising costs and long security wait times shake confidence in aviation.

More news you need to know right now

nca hockey

Badgers win 9th NCAA women’s hockey title

The Wisconsin Badgers defeated Ohio State 3-2 on Sunday to win their second consecutive NCAA women’s hockey championship and avenge their loss to the Buckeyes in the WCHA championship earlier this month. After Ohio State tied the game with two goals in the first two minutes of the third period, Claire Enright scored the game-winning goal with 13:42 remaining.

march madness

Welp! Iowa just broke the American line.

The 2026 NCAA Men’s Tournament was decided by the go-ahead bucket with five seconds left. And this time, he defeated one of the four No. 1 seeds and the current U.S. champion. On Sunday, Alvaro Folgueiras’ 3-pointer with 4.5 seconds left gave ninth-seeded Iowa State a come-from-behind 73-72 victory over Florida State. We’re just as surprised as the Iowa players.

before you go

Have feedback about the daily briefing? Email Nicole at NFallert@usatoday.com.