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Scorch marks and bullet holes scar the battered walls of the Haran family home in kibbutz Be’eri. Its tiled roof has caved in, windows smashed, littering the floors with sharp shards of terracotta and glass – the debris, still untouched, of a day of horror for Israel.

“This house tells the story of Be’eri,” says Yarden Tzemach, a farmer and surviving resident of the kibbutz, one of the Israeli communities near Gaza that was overrun by Hamas militants last year.

“In this house, people were murdered. A family, including three children, were kidnapped from here,” he says.

Outside, beneath the fruit trees in the back yard, a toddler’s ride-on toy car, adorned with stickers of Winnie the Pooh, sits amid the rubble, a stark reminder of the lives shattered here.

In some neighborhoods of Be’eri, barely a building was left intact. More than 100 of its 1,100 residents were killed and another 30 abducted to Gaza on October 7.

Home after home was burned out or reduced to rubble and – a year on – many remain as poignant monuments to an ongoing trauma. At least 10 residents of the kibbutz, all friends and neighbors of each other, are among the more than 100 Israelis believed to still be held hostage.

Progress on a ceasefire and hostage deal between Israel and Hamas has repeatedly fallen apart to the anger and despair of hostage families.

‘Best recovery is coming home

In the main administration building of Be’eri, two large aerial photographs hang side by side near the entrance. One is an image of the kibbutz from April 2023, showing ordered rows of neat, white buildings set in lush gardens. The other, taken just after the October 7 attack, shows the same homes blackened and destroyed in the militants’ rampage.

“They killed my sister over there,” says Amit Solvy, pointing to a house on the map, five rows in from the fence that runs around the kibbutz.

Elsewhere in the administration building, two posters are taped in a window – one showing the names and faces of the kibbutz residents who were killed, and another listing those who are held hostage.

Solvy, the Be’eri finance chairman, himself an Israeli veteran of the 1973 Arab-Israeli War, is one of nearly 100 residents to have so far returned. Despite his personal loss, he came back to his house three months ago and is now helping lead efforts to bring kibbutz Be’eri, formerly a self-sustaining farming community, back to life.

“I said to all the people that the best recovery is coming home. This is the best emotional recovery, in my opinion,” says Solvy.

But he acknowledges not everyone feels the same, estimating that up to 15% of the surviving residents of Be’eri may never return because of the trauma and the memories of October 7.

And many of those who want to come back, he says, are unable to do so until the extensive damage has been repaired and homes rebuilt – a massive renovation project that means it will be at least 2 years, according to Solvy, before the majority of residents can return home.

“There is no infrastructure for kids, there are no schools, so people with families cannot come back yet,” he explains.

‘There were terrorists in my house’

Work on the physical scars has already begun, with heavy machinery breaking ground on a new neighborhood of Be’eri. New homes, untouched by the October 7 attack, are seen as an essential means of attracting the majority of the residents back.

Ayelet Hakim, her husband and their son, 12, and daughter, 5, live alongside many other Be’eri survivors in government-supplied temporary housing in another kibbutz, Hatzerim, an hour’s drive from the horrifying memories of what was their home.

“I sat in my safe room there for hours and hours not knowing what was going on, and feeling my life being threatened, my kid’s life being threatened, because there were terrorists in my house,” she adds.

Her son, Yehonatan, interrupts. “I want to go back to Be’eri, back to the house that I was living in. I don’t care about the trauma,” he pleads.

“The house, no. The kibbutz, yes,” asserts Ayelet.

“Kibbutz Be’eri has been my home for the past 56 years. That’s where I want to live,” she says.

But after so much death and destruction in Be’eri, a community so close to Gaza, much must also be done to reassure residents they’ll be safe.

In July, an Israel Defense Forces internal investigation into the events of October 7 concluded that the Israeli military had “failed in its mission to protect the residents” and was ill-prepared for the mass Hamas attack.

“I believe it will be possible. But it will be a big challenge and will take a long time for people to feel as safe as they felt before October 7,” says Tzemach, back at the ruins of his Be’eri neighborhood.

“You know, once something happens, you always have in the back of your mind that it can happen again.”

This post appeared first on cnn.com

“I went on Facebook to see if he would go the extent of meeting up with me. He did… but I never went.”

Savanna Harrison, 27, is a professional “checker”, using social media to expose cheating partners after being cheated on herself.

She wanted to help other women avoid the same heartbreak she felt, so she started working for a company called Lazo, which describes itself as a “tool designed to see intentions and let go of toxic relationships”.

Now, she gets paid to run dozens of loyalty tests a month on people suspected of cheating on their partners.

“I’ve seen some comments saying its messed up,” she said – but she doesn’t feel bad about what she’s doing.

“If you can’t be loyal, then you shouldn’t be in that relationship.”

The loyalty test

Once she accepts a “mission”, Savanna messages her client’s partner, following tips and instructions from the suspicious client.

It’s usually women asking her to test their boyfriends.

“She’ll give me details of where she wants me to go with a conversation,” said Savanna, talking to me from Corona, California, where she also works as a lash technician doing eyelash extensions.

She’ll find out where the boyfriend hangs out and start up a conversation, saying she’s seen him in his favourite bar, or pretending to accidentally send him direct messages and photos.

“Either way, I will flood into his [direct messages] and say something to see if he’ll reciprocate.”

Throughout the process, Savanna is updating her client, sending them screenshots of any conversations between her and the boyfriend.

A loyalty test can last around five days, with checkers like Savanna going as far as arranging dates with the target that they won’t turn up to.

In a recent test, Savanna was asked to “set up a date… all the way until going there”.

She was then told to cancel on him so his girlfriend could show up instead.

‘It would be much better to talk’

According to one relationship expert, a loyalty test is not a healthy way to build trust in your relationship.

“It would be much better to talk about why they feel insecure in the relationship,” said Marian O’Connor, consultant couple and psychosexual therapist at Tavistock Relationships.

“It’s about saying: ‘There’s something wrong with us, what’s happening?’ That is the important thing, not to catch them out.”

She also advises thinking about why you don’t trust your partner and whether there is something deeper going on.

“Is this the experience you’ve had in all relationships? Is this lack of trust something that is from childhood, or is it in this particular relationship?”

The company running the loyalty tests, Lazo, says they’re not trying to catch people out.

“There might be this misconception that we’re here to entrap people,” says Ashlyn Nakasu, community manager at Lazo.

“That really is not the case.”

She says all the company is doing is helping people confirm what they already suspect – that their relationship is ending.

“[Often] they just need that proof, that final kick in the butt to let them know: ‘This is the wrong person for you’,” she said.

“We always tell people the best first choice is to communicate with your partner. And if communication fails to exist, then you can try to have a loyalty test if you truly believe that something is wrong.”

So how much does it cost?

Tests usually cost between $50 to $80 (£37.50 to £60) but the price ranges from checker to checker, with some charging over $100 (£75) for their services.

“I don’t care about the money,” says Savanna. “It’s more about helping other girls because I’ve been there.”

Lazo only has one full-time checker, who is making around $3,000 a month doing loyalty tests, but there are 350-400 part-time checkers like Savanna on their books.

They’re a new company – Lazo launched fully in January – but loyalty tests aren’t a new concept.

The hashtag “loyalty test” already had millions of views on TikTok before Lazo launched, with suspicious partners often finding strangers on the internet and asking them to test their partners.

Lazo, says Ms Nakasu, just created “a database of people that are willing to help, who know exactly what to do and know exactly what people are asking for”.

This post appeared first on sky.com

Former President Trump on Friday said that Israel should attack Iran’s nuclear facilities while mocking President Biden’s answer earlier this week on the subject.  

While speaking at a campaign event in Fayetteville, North Carolina, he said when Biden was asked about Israel attacking Iran, the president answered, ‘’As long as they don’t hit the nuclear stuff.’ That’s the thing you wanna hit, right? I said, ‘I think he’s got that one wrong. Isn’t that what you’re supposed to hit?’’ 

Trump went on to say that nuclear proliferation is the ‘biggest risk we have.’ 

The former president said he rebuilt the ‘entire military, jets everything, I built it, including nuclear’ while he was president. ‘I hated to build the nuclear, but I got to know firsthand the power of that stuff, and I’ll tell you what: we have to be totally prepared. We have to be absolutely prepared.’

He said when Biden was asked about Israel and Iran: ‘His answer should have been ”Hit the nuclear first, worry about the rest later.”

Trump made similar comments in an interview with Fox News on Thursday, telling correspondent Bill Melugin Biden’s response on Israel attacking Iran was the ‘craziest thing I’ve ever heard. That’s the biggest risk we have. The biggest risk we have is nuclear.’ 

He continued, ‘I mean, to make the statement, ‘Please leave their nuclear alone.’ I would tell you that that’s not the right answer. That was the craziest answer because, you know what? Soon, they’re going to have nuclear weapons. And then you’re going to have problems.’ 

Former deputy director of national intelligence Kash Patel, who served under Trump, said this week: ‘Iran launched a war into Israel, so to say that the Israelis who are defending themselves and our hostages shouldn’t attack sites in Iran that could kill them – especially when you’re the one who gave Iran $7 billion as a commander in chief and then allowed them to acquire nuclear materials – is wildly political.’

Following Tuesday’s attack by Iran on Israel, Biden told reporters at Joint Base Andrews, ‘the answer is no,’ of Israel potentially targeting the country’s nuclear program. 

He added that he and the other members of the G-7 all ‘agree that [Israel has] a right to respond, but they should respond proportionally,’

This post appeared first on FOX NEWS

Speaker Mike Johnson, R-La., is criticizing the Biden administration’s response to Hurricane Helene while warning the price tag for its recovery could be ‘one of the most expensive’ the U.S. has seen.

‘There were some pretty ominous projections, and so Congress acted appropriately,’ Johnson told Fox News Digital Friday evening, noting lawmakers freed up roughly $20 billion in immediate funding for FEMA in last month’s short-term federal funding bill. ‘But, so far, [President Biden, Vice President Harris and Homeland Security Secretary Mayorkas] have failed in that response.’

Johnson said he was ‘alarmed and disappointed’ by Biden officials’ comments immediately after the storm suggesting FEMA was too low on funds to deal with Helene’s wrath. 

Mayorkas said ‘we are meeting the immediate needs’ of the hurricane earlier this week but said ‘FEMA does not have the funds to make it through the season.’

Biden suggested earlier this week he may want Congress to return for an emergency session to pass a supplemental disaster aid bill.

‘They are scrambling to cover their egregious errors and mistakes. And there’s an effort to blame others or blame circumstances when this is just purely a lack of leadership and response,’ the speaker said. He noted Mayorkas said in July that FEMA was ‘tremendously prepared’ for weather crises this year. Fox News Digital reached out to the White House and DHS for comment.

Johnson also argued lawmakers could not act until an assessment by state and local authorities produced projections of how much needs to be allocated.

‘I don’t think those estimates could conceivably be completed until at least 30 days — until after the election, and that’s when Congress will be back in session again,’ he said.

The Republican leader is no stranger to hurricanes. He noted his native Louisiana is still dealing with the damage from Hurricane Katrina today, but his prediction was dire when asked about the cost of recovery after Helene ravaged the Southeast, killing more than 200 people.

He said it could be ‘one of the most expensive storms that the country has ever encountered.’

‘It affects at least six states — a broad swath of destruction across many, many areas — and I think that’s why it’s going to take a while to assess,’ Johnson said.

‘As soon as those numbers are ready, Congress will be prepared to act,’ Johnson vowed at another point.

‘I certainly hope the administration is working overtime right now to … help get them prepared.’

As part of immediate response efforts, Johnson has toured areas in Georgia and Florida pummeled by the storm and is poised to visit hard-hit North Carolina in the coming days, he said.

Criticism over FEMA’s response has prompted some conservatives to accuse the Biden administration of diverting disaster aid funds toward supporting illegal immigrants at the border through the Shelter and Services Program (SSP), which was allocated roughly $650 million in the last fiscal year.

Both the White House and Department of Homeland Security (DHS) have vigorously denied any link between disaster aid and SSP beyond both being administered by FEMA and have said claims of any disaster relief dollars being used to support migrant housing services are false.

‘No disaster relief funding at all was used to support migrants’ housing and services. None. At. All,’ White House Deputy Press Secretary Andrew Bates said in a memo on Friday. ‘In fact, the funding for communities to support migrants is directly appropriated by Congress to CBP, and is merely administered by FEMA. The funding is in no way related to FEMA’s response and recovery efforts.’

Johnson did not give a definitive answer when asked about the concerns echoed on the right, but he accused Mayorkas of mismanaging DHS.

‘There is a lot of controversy about the nonsense that the Mayorkas Department of Homeland Security has engaged in. With their … dangerous open-borders policy and then the relocation efforts of taking illegal aliens and transporting them around the country,’ Johnson said. ‘We have been working every day, House Republicans, to stop the madness.

‘And, so, what happened is that FEMA, because it’s a division of DHS, it’s very clear that they should be focused on helping Americans recover from disasters and not straining resources that go to other programs that are catering to illegals.’

When pressed on whether DHS was able to divert congressionally appropriated funding for disaster aid into SSP, Johnson said, ‘There are different programs that have different funding.’

He pointed out that House Republicans are seeking to defund the SSP program in the current federal funding discussions for fiscal year 2025.

‘We are doing everything within our power to prevent these abuses of the law and abuses of taxpayer dollars from the White House and the Democratic Party,’ Johnson said.

Fox News Digital’s Adam Shaw contributed to this report

This post appeared first on FOX NEWS

As the U.S. mulls over a plan to withdraw troops from Iraq, its Kurdish allies have a message: Don’t forget us. 

‘This is not the time to reduce coalition forces in Iraq,’ Treefa Aziz, the Kurdistan Regional Government’s special representative to the U.S., told Fox News Digital. 

‘Extremist groups like ISIS and armed militias continue to pose a serious threat to the people of Iraq and the Kurdistan Region.’

The U.S. announced plans to shrink the U.S. ‘footprint’ in Iraq and end the current mission of coalition forces – including the Kurds – to fight ISIS, but declined to say how many of the 2,500 troops currently stationed there would remain. 

‘A decade ago, Kurdish Peshmerga forces worked alongside U.S. troops to defeat ISIS and continue to actively combat ISIS remnants to prevent a resurgence of terror today,’ Aziz said. The Kurdistan Regional Government (KRG) ‘has been a reliable security partner for the United States and remains ready to enhance cooperation.’

But now, if Baghdad is pushing the U.S. out of Iraq, the U.S. could feel it must honor that request or risk making another enemy in the Middle East. The KRG says it would be ‘willing and able’ to host U.S. coalition forces in its territory. 

The current mission is now set to end by September 2025, with a plan to keep the number of forces on the Iraqi side to back up the 900 U.S. troops in Syria until at least 2026. 

News of a plan that could amount to a significant drawdown of U.S. forces called to mind 2019, when former President Donald Trump announced plans to pull out of Syria and the Kurds felt abandoned by a partner they had fought alongside for years – leaving them open to an attack by Turkish forces.  

Trump, at the time, left the Kurds with a warning to their longtime enemies: ‘I have told Turkey that if they do anything outside of what we would think is humane . . . they could suffer the wrath of an extremely decimated economy.’

The U.S. relationship with the Kurds – an indigenous group of daring fighters whose quest for their own formal state has been unsuccessful – spans back decades. 

When the Turks denied the U.S. passage into Iraq for the invasion in 2003, Iraqi Kurds helped the U.S. overthrow Saddam Hussein. 

The Kurds have fought with U.S. coalition forces since they reentered Iraq in 2014 to fight ISIS, and the U.S. pledged arms support and humanitarian aid. 

The group faces attacks from terror groups on all sides. And as Iran increasingly encroaches on the Iraqi government, Baghdad has the KRG in a choke-hold, officials say. 

‘There is growing concern regarding efforts to weaken the federal system in Iraq. The constitutional framework, which is designed to ensure shared governance, is disregarded,’ one Kurdish official said.

‘The continued suspension of oil exports from the Kurdistan region has placed significant economic strain. More than a year and half later, we have yet to see the resumption of these exports.’ 

The KRG has been trying to work with the Iraqis on a power-sharing agreement with no real results.

‘Some of these actions appear to align with external influences rather than the broader national interest,’ the official said, referring to Iranian influence. ‘With the assistance of our allies, we believe these issues can be resolvable through constructive dialogue and cooperation.’

The KRG is also asking the U.S. government to ‘honor its commitment’ included in the 2024 National Defense Authorization Act (NDAA) to ‘provide the KRG with a comprehensive air defense system. 

The law required the Department of Defense to submit and implement a plan for providing the Iraqi security forces and  Kurdistan Region with air defenses by July 2024. 

‘As a steadfast U.S. ally that is regularly targeted by extremist violence, the KRG requires assurances that it will be protected from all threats, both internal and external,’ said Aziz. 

Gen. Michael Kurilla, the commander of U.S. Central Command, told the House Armed Services Committee in March that ISIS-K, which launched a horrific attack in Moscow earlier this year, ‘retains the capability and the will to attack U.S. and Western interests abroad in as little as six months with little to no warning.’

This post appeared first on FOX NEWS

It’s time for a wellness check at CVS Health.

Shares of the company are down more than 20% this year as it grapples with higher-than-expected medical costs in its insurance unit and pharmacy reimbursement pressure, among other issues.

As it seeks to claw back faith with Wall Street, the company is considering breaking itself up.

CVS has engaged advisors in a strategic review of its business, CNBC reported Monday. One option being weighed is splitting up its retail pharmacy and insurance units. It would be a stunning reversal for the company, which has spent tens of billions of dollars on acquisitions over the last two decades to turn itself into a one-stop health destination for patients.

Some analysts contend that a breakup of CVS would be challenging and unlikely. 

CVS risks losing customers and revenue if it splits up its vertically integrated business segments, which includes health insurer Aetna and the major pharmacy benefits manager Caremark. That could translate to more lost profits for a health-care giant that has slashed its full-year 2024 earnings guidance for three consecutive quarters. 

“There really is no perfect option for a split,” said eMarketer senior analyst Rajiv Leventhal, who believes a breakup is still a possibility. “If that does happen, one side of the split becomes really successful and prosperous, and the other would significantly struggle.”

Notably, CVS executives on Monday met with major shareholder Glenview Capital to discuss how to fix the flailing business and recover its stock, CNBC previously reported. But Glenview on Tuesday denied rumors that it is pushing to break up the company.

If CVS stays intact, CEO Karen Lynch and the rest of the management team will have to execute major changes to address what industry experts say are glaring issues battering its bottom line and stock price.

The company has already undertaken a $2 billion cost-cutting plan, announced in August, to help shore up profits. CVS on Monday said that plan involves laying off nearly 3,000 employees.

Some analysts said the health-care giant must prioritize recovering the margins in its insurance business, which they believe is the main issue weighing on its stock price and financial guidance for the year. That pressure drove a leadership change earlier this year, with Lynch assuming direct oversight of the company’s insurance unit in August, displacing then-President Brian Kane.

CVS’ management team and board of directors “are continually exploring ways to create shareholder value,” a company spokesperson told CNBC, declining to comment on the rumors of a breakup. 

“We remain focused on driving performance and delivering high quality healthcare products and services enabled by our unmatched scale and integrated model,” the spokesperson said in a statement. 

Investors may get more clarity on the path forward for the company during its upcoming earnings call in November.

Some analysts said the likelihood of CVS separating its retail pharmacy and insurance segments is low given the synergies between the three combined businesses. Separating them could come with risks, they added. 

“The strategy itself is still vertical integration,” Jefferies analyst Brian Tanquilut told CNBC. “The execution might not have been the greatest, but I think it’s a little too early to really conclude that it’s a broken strategy.”

Many of CVS’ clients contract with the company across its three business units, according to Elizabeth Anderson, analyst at Evercore ISI. Anderson said “carving out and pulling apart a whole contract” in the event of a breakup might be “quite difficult operationally” and lead to lost customers and revenue. 

Pharmacy benefits managers like CVS’ Caremark sit at the center of the drug supply chain in the U.S., negotiating drug rebates with manufacturers on behalf of insurers, creating lists of preferred medications covered by health plans and reimbursing pharmacies for prescriptions. 

That means Caremark also sits at the intersection of CVS’ retail pharmacy operation and its Aetna insurer, boosting the competitive advantage of both of the businesses. In the event of a breakup, it’s not clear where Caremark would fall.

Separating Caremark from Aetna would put the insurance business at a competitive disadvantage since all of its largest rivals, including UnitedHealth Group, Cigna and Humana, also have their own PBMs, said eMarketer’s Leventhal. 

But Caremark, in some cases, also funnels drug prescriptions to CVS retail pharmacies, he said. That has helped the company’s drugstores gain meaningful prescription market share over its chief rival, Walgreens, which has been struggling to operate as a largely stand-alone pharmacy business. 

CVS is the top U.S. pharmacy in terms of prescription drug revenue, holding more than 25% of the market share in 2023, according to Statista data released in March. Walgreens trailed behind with nearly 15% of that share last year. 

Now, CVS drugstores must maintain an edge over competitors at a time when the broader retail pharmacy industry faces profitability issues, largely due to falling reimbursement rates for prescription drugs. Increased competition from Amazon and other retailers, inflation, and softer consumer spending are making it more difficult to turn a profit at the front of the store. Meanwhile, burnout among pharmacy staff is also putting pressure on the industry. 

CVS’ operating margin for its pharmacy and consumer wellness business was 4.6% last year, up from 3.3% in 2022 but down from 8.5% in 2019 and 9.9% in 2015.

CVS and Walgreens have both pivoted from years of endless retail drugstore store expansions to shuttering hundreds of locations across the U.S. CVS is wrapping up a three-year plan to close 900 of its stores, with 851 locations shuttered as of August.

The rocky outlook for retail pharmacies could make it difficult for CVS to find a buyer for its drugstores in the event of a split, according to Tanquilut. He said a spinoff of CVS’ retail pharmacies would be more likely.

“There’s a reason they’re cutting down stores. Why break it up when the relationship between Caremark and CVS retail is what keeps it outperforming the rest of the pharmacy peer group?” Tanquilut said. 

CVS has other assets that would need to be distributed in the event of a breakup. 

That includes two recent acquisitions: fast-growing primary care clinic operator Oak Street Health, which the company purchased for $10.6 billion last year, and Signify Health, an in-home health-care company that CVS bought for about $8 billion in 2022. Those deals aimed to build on CVS’ major push into health care — a strategy that Walgreens and other retailers have also pursued over the last few years. 

Oak Street Health could theoretically be spun out with Aetna in the case of a split, Mizuho managing director Ann Hynes wrote in a research note Tuesday. 

The primary care clinic operator complements Aetna’s Medicare business because it takes care of older adults, offering routine health screenings and diagnoses, among other services. CVS also sells Aetna health plans that offer discounts when patients use the company’s medical care providers. 

But CVS has also started to integrate Oak Street Health with its retail pharmacies. The company has opened those primary care clinics side by side with some drugstore locations in Texas and Illinois, with plans to introduce around two dozen more in the U.S. by the end of the year. 

Several companies, including Amazon, Walmart, CVS and Walgreens, are feeling the pain from bets on primary care. That’s because building clinics requires a lot of capital, and the locations typically lose money for several years before becoming profitable, according to Tanquilut. 

Walgreens could potentially exit that market altogether. The company said in a securities filing in August it is considering a sale of its primary care provider VillageMD.

But Tanquilut said it may not make sense for CVS to sell Oak Street Health or Signify Health because “they’re actually hitting their numbers.” 

Signify saw 27% year-over-year revenue growth in the second quarter, while Oak Street sales grew roughly 32% compared with the same period last year, reflecting strong patient membership, CVS executives said in an earnings call in August.

Oak Street ended the quarter with 207 centers, an increase of 30 from last year, executives added. 

“Why get rid of them when they’re still strategic in nature?” Tanquilut told CNBC, adding that it would be difficult to find a buyer for Oak Street given the challenging market for primary care centers.

Improving the insurance unit

If CVS doesn’t undergo a breakup, the “single best value-creating opportunity” for the company is addressing the ongoing issues on the insurance side of the business, according to Leerink Partners analyst Michael Cherny. 

He said the segment’s performance has fallen short of expectations this year due to higher-than-expected medical costs — by far the biggest hit to the company’s financial 2024 guidance and stock performance, he said. Cherny said he is confident the issue is “fixable,” but it will depend on whether CVS can execute the steps it has already outlined to improve margins in its insurance unit next year. 

Aetna includes plans for the Affordable Care Act, Medicare Advantage and Medicaid, as well as dental and vision. Medical costs from Medicare Advantage patients have jumped over the last year for insurers as more seniors return to hospitals to undergo procedures they had delayed during the Covid-19 pandemic, such as hip and joint replacements. 

Medicare Advantage, a privately run health insurance plan contracted by Medicare, has long been a key source of growth and profits for the broader insurance industry. More than half of Medicare beneficiaries are enrolled in those plans as of 2024, enticed by lower monthly premiums and extra benefits not covered by traditional Medicare, according to health policy research organization KFF. 

But investors are now concerned about the skyrocketing costs from Medicare Advantage plans, which insurers warn may not come down anytime soon. 


A general view shows a sign of CVS Health Customer Support Center in CVS headquarters of CVS Health Corp in Woonsocket, Rhode Island, U.S. October 30, 2023. 

Faith Ninivaggi | Reuters

Cherny said CVS faced a “double whammy” in Medicare Advantage this year, grappling with excess membership growth at a time when many seniors are using more benefits. 

In August, CVS also said its lowered full-year outlook reflected a decline in the company’s Medicare Advantage star ratings for the 2024 payment year. 

Those crucial ratings help patients compare the quality of Medicare health and drug plans and determine how much an insurer receives in bonus payments from the Centers for Medicare & Medicaid Services. Plans that receive four stars or above get a 5% bonus for the following year and have their benchmark increased, giving them a competitive advantage in their markets.

Last year, CVS projected it would lose up to $1 billion in 2024 due to lower star ratings, the company disclosed in a securities filing. 

But things may start to look up in 2025. 

For example, one of the company’s large Medicare Advantage contracts regained its four-star rating, which will “create an incremental tailwind” in 2025, CVS executives said in August. 

“We’re giving them the benefit of the doubt because we know that the stars rating bonus payments will come back in 2025,” Tanquilut said. 

During a conference In May, CVS said it would pursue a “margin over membership” strategy: CVS CFO Tom Cowhey said the company is prepared to lose up to 10% of its existing Medicare members next year in an effort to get its margins “back on track.” 

The company will make significant changes to its Medicare Advantage plans for 2025, such as increasing copays and premiums and cutting back certain health benefits. That will eliminate the expenses tied to those benefits and drive away patients who need or want to use them. 

Those actions will help the company achieve its target of 100- to 200-basis-points margin improvement in its Medicare Advantage business, CVS executives said in August. 

This post appeared first on NBC NEWS

More than a dozen tigers were incinerated after the animals contracted bird flu at a zoo in southern Vietnam, officials said.

State media VNExpress cited a caretaker at Vuon Xoai zoo in Bien Hoa city saying the animals were fed with raw chicken bought from nearby farms. The panther and 20 tigers, including several cubs, weighed between 10 and 120 kilograms (20 and 265 pounds) when they died. The bodies were incinerated and buried on the premises.

“The tigers died so fast. They looked weak, refused to eat and died after two days of falling sick,” said zoo manager Nguyen Ba Phuc.

Samples taken from the tigers tested positive for H5N1, the virus that causes bird flu.

The virus was first identified in 1959 and grew into a widespread and highly lethal menace to migratory birds and domesticated poultry. It has since evolved, and in recent years H5N1 was detected in a growing number of animals ranging from dogs and cats to sea lions and polar bears.

In cats, scientists have found the virus attacking the brain, damaging and clotting blood vessels and causing seizures and death.

More than 20 other tigers were isolated for monitoring. The zoo houses some 3,000 other animals including lions, bears, rhinos, hippos and giraffes.

The 30 staff members who were taking care of the tigers tested negative for bird flu and were in normal health condition, VNExpress reported. Another outbreak also occurred at a zoo in nearby Long An province, where 27 tigers and 3 lions died within a week in September, the newspaper said.

Unusual flu strains that come from animals are occasionally found in people. Health officials in the United States said Thursday that two dairy workers in California were infected — making 16 total cases detected in the country in 2024.

“The deaths of 47 tigers, three lions, and a panther at My Quynh Safari and Vuon Xoai Zoo amid Vietnam’s bird flu outbreak are tragic and highlight the risks of keeping wild animals in captivity,” PETA Senior Vice President Jason Baker said in a statement sent to The Associated Press.

“The exploitation of wild animals also puts global human health at risk by increasing the likelihood of another pandemic,” Baker said.

Bird flu has caused hundreds of deaths around the world, the vast majority of them involving direct contact between people and infected birds.

This post appeared first on cnn.com

A 21-year-old Yazidi woman has been rescued from Gaza where she had been held captive by Hamas for years after being trafficked by ISIS.

The Israel Defense Forces (IDF) said Thursday that Fawzia Amin Sido was freed this week in an operation coordinated between Israel, the United States and other international actors.

She said that she was initially kidnapped by ISIS as a child in August 2014 when the group captured the city of Sinjar in the Nineveh Governorate of northern Iraq, executing Yazidi men and boys and committing acts of sexual violence and rape against women and girls, among other crimes.

Over the next few years, Fawzia was trafficked to different locations across several countries.

“We ended up in Al-Hol camp (in Syria) before we were smuggled to Idlib in 2019, and from there, we went to Turkey. In 2020, they arranged a passport for me in Turkey so I could fly from Istanbul to Hurghada, Egypt, and then to Gaza,” she said.

“Hamas constantly harassed me due to my Yazidi background and contact with my family, even going so far as to format my phone [erase its contents] during their investigations. After a year, they moved me to a guest house.”

When the Israel-Hamas war broke out in 2023, she was again moved around frequently – until October 1, when she said an NGO rescued her.

The IDF said that her captor was killed, “presumably during IDF strikes” in Gaza, allowing her to flee to a hideout, from where she was rescued and taken to the Kerem Shalom border crossing.

“From there, American officials took me and helped return me to Baghdad,” she said.

Israel released a video showing her reuniting with her family members, who were overcome with emotion as they embraced her.

Iraq’s Ministry of Foreign Affairs said she was freed after over four months of efforts from Iraqi government agencies working with American and Jordanian authorities.

US State Department spokesman Matthew Miller confirmed that the US helped evacuate Fawzia from Gaza. He echoed Israel’s account, saying that “the recent death of her captor in Gaza allowed her to escape.”

“We were contacted by the Iraqi government, who was made aware of the fact that she escaped, that she was alive, and that she wanted to come home to her family. And the government of Iraq asked us to do whatever we could to get her out of Gaza and get her home. So over the past few weeks, we worked with a number of our partners in the region to get her out of Gaza,” Miller said at a press briefing on Thursday.

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The fate of a possible successor to Hezbollah leader Hassan Nasrallah is unclear following an Israeli airstrike on Beirut.

Safieddine is a maternal cousin of Nasrallah – the two studied in Iran together in the early 1980s. Just like Nasrallah, Safieddine is a staunch critic of Israel and the West, with deep alliances with the Iranian leadership.

Safieddine served as head of Hezbollah’s executive council and, until his predecessor’s death, was seen as one of the most likely heirs to the organization’s highest-ranking seat. The group has yet to name a successor to Nasrallah.

The executive council is one of five bodies that make up the Shura Council, which is the organization’s decision-making body. The executive council oversees political matters, as opposed to the Jihad Council which is the group’s military body, which Safieddine is a member of.

Safieddine has previously spoken of the “strong relationship” between Hezbollah and Iran’s Revolutionary Guard Corps (IRGC), and especially Iranian general Qasem Soleimani, who was killed in US airstrike at Baghdad airport in 2020. Safieddine’s son is married to Soleimani’s daughter.

The Shiite cleric was born in 1964 in the southern Lebanese village of Deir Qanoun En Nahr. Like the late Hezbollah leader, he wears the black turban signaling that he is a “Sayyid,” a Shiite honorific title denoting descent from Prophet Mohammed.

The 60-year-old cleric has had a visible presence across Hezbollah’s political stage, especially over the past year. Throughout the Gaza war, Safieddine would make statements denouncing Israel’s actions in the enclave and on his country’s southern border.

Nasrallah “started tailoring positions for him within a variety of different councils within Lebanese Hezbollah. Some of them were more opaque than others. They’ve had him come, go out and speak,” Phillip Smyth, an expert who studies Iran-backed Shiite militias, told Reuters.

Speaking at the funeral ceremony of one of the slain Hezbollah members in May, Safieddine boasted that his group is nonetheless strong and resilient, prioritizing – along with their Iranian allies – the Palestinian cause and the need to liberate the Palestinian people.

Following the back-to-back explosions that targeted Hezbollah pagers and walkie-talkies, Safieddine said that his organization “will not back down until the end.”

Saffiedine has long been a hawkish critic of US policy, which he sees as aiding and abetting Israel’s actions in Gaza and southern Lebanon.

In 2021, he accused Washington of “interfering” in Lebanese domestic politics, saying that “American tyranny” is “sabotaging” the region’s nations, citing Iraq and Afghanistan among examples.

The United States designated Hezbollah a foreign terrorist organization in 1997, and in 2017 designated Safieddine a foreign terrorist.

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Yair Pinhas grew up hiking in the hills around Kiryat Shmona, his hometown in northern Israel, near the border with Lebanon.

“We always thought that the October 7 (attack) would happen here, we always talked about it,” he said, rolling a cigarette outside a hotel on the shore of the Sea of Galilee, about 40 miles from Kiryat Shmona.

Pinhas’ parents and his elderly grandmother have been living in this hotel for almost a year, ever since they were evacuated from Kiryat Shmona following the October 7 terror attacks. Pinhas spent months couch-surfing with friends in Tel Aviv before renting an apartment there; he comes regularly to see his family.

Kiryat Shmona, which sits in a pocket of Israeli land surrounded by Lebanon, just a couple of miles to the south and east from the border, sits on the opposite side of Israel to where the Hamas-led attacks took place last year. But its proximity to Lebanon makes it vulnerable to Hezbollah, the Iran-backed militant group that has been attacking Israel on a regular basis over the past year, in support of Hamas.

Israel has responded with cross-border attacks and the two sides have been engaged in a tit-for-tat escalation since October 8. Hezbollah has said it will not stop striking Israel until a ceasefire is reached in Gaza.

The city was hit multiple times in recent months, most recently by a barrage of rockets that caused heavy damage and several fires on Friday morning, according to Israeli police.

“When I was growing up, it wasn’t just sirens like now… it was someone blaring from a car, ‘everybody get to shelters! Everybody get to shelters!’ And in school, when the alarm went off, nobody was freaking out because we were used to it,” he said.

“Everybody goes into the shelter, you hear the bombs and then wait for somebody to tell you it’s safe to leave,” he explained, adding that while the locals have gotten used to attacks from the skies, there has always been the worry that Hezbollah could try to storm them from the ground.

“There was a warning some months before October 7, saying you need to know that the next war won’t be just rockets. They will come here. There are a lot of tunnels, and we need to prepare ourselves… and we didn’t. People are stupid. Until something happens, you don’t really act,” he said.

But then came the shock of the terror attacks, when Hamas and other militant groups killed more than 1,200 people in southern Israel and kidnapped some 250 more into Gaza.

“Everything has changed then,” Pinhas said. “We thought our army was strong and prepared and suddenly you see this, shooting everywhere. I had three friends who were at the Nova festival, one of them died, two were saved,” he said.

‘There will be a lot of deaths’

The Israeli government said the fate of people like Pinhas is among the reasons why it needs to act forcefully against Hezbollah in Lebanon.

Speaking at the United Nations General Assembly meeting last week, Israeli Prime Minister Benjamin Netanyahu said Hezbollah had fired more than 8,000 rockets at Israel since October 8, forcing some 60,000 people to flee their homes along the border.

“Israel has been tolerating this intolerable situation for nearly a year. Well, I’ve come here today to say enough is enough. We won’t rest until our citizens can return safely to their homes,” he said.

Shortly after Netanyahu spoke at the UN, the Israel Defense Forces (IDF) launched a deadly strike on the Lebanese capital Beirut, targeting and killing Hezbollah’s long term leader Hassan Nasrallah.

Three days later, the IDF said it was launching a “limited and localized” ground operation in Lebanon. The IDF’s top spokesperson, Rear Adm. Daniel Hagari, said the move was designed to prevent an October-7 style attack by Hezbollah and “to enable all 60,000 Israelis to safely return back to their homes in northern Israel.”

But at least some of the people whose fates Netanyahu invoked during his speech are questioning the decision.

“I think that it’s very dangerous for the army to go to Lebanon, because there are many, many traps… I think that we can protect the border by plane. Or go (in) and come back… But not stay (in Lebanon), it’s too dangerous,” she said.

Hatan, whose house overlooks the Lebanese border, has lived in Shtula her whole life. She said that she’s worried current warfare is much more deadly than it was in 2006, the last time Israel invaded Lebanon.

Pinhas, too, is conflicted about Israel’s decision to cross the border.

“It’s very hard. On (the) one hand, I can say, yes, you’re right, because we need to go back home and we need to bring peace to our town. So my first thought is we need to do something about it, because their (Hezbollah’s) main purpose is to kill us,” he said.

“But the other thing that I’m feeling, and everybody’s feeling that, is that this is very dangerous, and there will be a lot of deaths. Hezbollah, they know very well their territory there, this is their playground. This is not like in 2006, this is not a small group, we gave them a lot of time to prepare themselves and get a lot of ammunition,” he added, referencing the 2006 Israeli invasion into Lebanon which lasted 34 days and ended in a stalemate after killing some 1,100 people on the Lebanese side and about 170 Israelis.

The Israeli offensive is among the most intense in decades, surpassed only by its bombing of Gaza.

Standing on a hilltop in Kiryat Shmona, the scale of the bombardment becomes apparent as a steady stream of loud bangs reverberates throughout the valley. A loud boom when the artillery round gets fired, followed by a whizz overhead. A while later, a deep thud of the impact somewhere behind the border.

A city of some 22,000, Kiryat Shmona has turned into a ghost town over the past year. Signs of destruction are clearly visible throughout its streets – shrapnel holes in facades, damage caused by falling debris, destruction caused by direct hits by rockets.

On Thursday, marking the Jewish new year, the Pinhas family snuck back into Kiryat Shmona for a brief visit.

“To water the plants and feed the cats. There are many street cats in Kiryat Shmona and they need feeding,” Pinhas said.

Several rockets were fired at the city from Lebanon on Thursday but were intercepted by the Iron Dome air defense systems, the bright light of interceptor missiles popping up in the skies and chasing away the threat.

A black and white cat, meanwhile, continued to rummage through the pile of debris lying in front of a family home destroyed in an earlier rocket attack.

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