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SORRENTO VALLEY, Calif. (KGTV) - Another San Diego-based company is moving forward on developing a vaccine for the coronavirus. Sorrento Therapeutics is working on several projects that they believe could lead to viable vaccines or treatments. One of them was announced on Monday. Sorrento Therapeutics said it was partnering with Boston-based Smartpharm to create a gene-encoded antibody vaccine. “In the effort to more quickly resolve the global COVID-19 crisis, our company has initiated a rapidly accelerated program for the identification of potent neutralizing antibodies against SARS-CoV-2 coronavirus antigens that may be used for either treatment or prophylaxis,” said Henry Ji, CEO of Sorrento Therapeutics. Sorrento Therapeutics is also working on another vaccine called the I-Cell project. That vaccine uses a decoy virus to activate a person’s immune system to train it to attack the real virus. It’s also developing a protein called COVIDTRAP that can bind to the receptors on the coronavirus, thus blocking it from being able to bind to the receptors on healthy human cells. If proven succesful, it could be used as a treatment or preventative measure.How long will it take for them to be ready?“That all depends on what leeway the FDA gives us,” said Mark Brunswick, Senior Vice President of Regulatory Affairs at Sorrento Therapeutics. If they can get fast tracked, he estimates they can start clinical trials in 2 months, as opposed to 9-12 months normally. 1483

Since the controversy surrounding "Baby, It's Cold Outside,” sales of the iconic Christmas song have been soaring.Billboard reports three different versions of the song from different performers have seen a bump and streaming for the song is up 54 percent for at least versions of the song.The song—written in 1944 by Frank Loesser—was criticized this year for its lyrics.Loesser’s daughter, Susan, is also defending the song, saying listeners need to examine the context.“It’s this flirty, funny, charming song,” Susan says. “I’ve always loved it.”Susan Loesser says she can’t help but smile every time she hears it."My mother considered it their song,” Susan recalls. “That's why she was crushed when he sold it to MGM for ‘Neptune's Daughter.’"The movie is a romantic comedy from 1949."But it won the Academy Award and she got over it,” Susan says.Now, fast forward 70 years, the song is getting attention for a very different reason.Radio stations began pulling the song, as critics argued the lyrics promotes rape culture.The uproar centers on the particular lyric, “Say, what’s in this drink?”It's a line that stands out, especially in the context of the #MeToo movement.But Susan says the movement, "doesn't get it.""I just think it's a mistake to attack this particular song,” she says. “It's not a date rape song. It's a flirt song, and they're both into it.”New York University songwriting professor Phil Galdston says that although we can't ask the song's composer about the now infamous line, we should consider the time period when the song was composed.“Social history suggests that particular line had the meaning of, Wow, I don't know how this is affecting me, so what's in it?’ That's a different context than it has today,” he explains.Some radio stations are now reversing the ban.As to whether generations to come will still be learning the tune, Susan says she believes they will.“I guess it depends on how politically correct we get,” she says. 1974

Sen. Rand Paul shared an update on his medical status Wednesday, tweeting that he has six broken ribs following an incident last week where a neighbor allegedly assaulted the Kentucky Republican at his home in Bowling Green."I appreciate all of the support from everyone. A medical update: final report indicates six broken ribs & new X-ray shows a pleural effusion," Paul tweeted Wednesday.The attorney representing the man who was charged with assaulting Paul called it an "unfortunate occurrence" in a statement and said it had nothing to do with politics."It was a very regrettable dispute between two neighbors over a matter that most people would regard as trivial," a statement by attorney Matthew Baker said.A neighbor who did not want to be identified previously told CNN?the two men have been "quibbling" over yard waste for years.According to the neighbor, Paul and Rene Boucher, who was charged with attacking Paul, share a property line in a gated community and have a long-running dispute over grass clippings and leaves blown onto each others' lawns.The neighbor did not witness Boucher allegedly assaulting Paul on Friday, and therefore could not say definitely if this is what led to the attack.It was initially reported that Paul had only sustained minor injuries, but Sunday, a senior adviser to Paul said the senator had five rib fractures, including three displaced fractures and bruised lungs.Paul tweeted Sunday?about the event: "Kelley and I appreciate the overwhelming support after Friday's unfortunate event. Thank you for your thoughts and prayers."CNN previously reported that Boucher was charged with one count of fourth-degree assault. He is currently out of jail after posting ,500 bail.According to the Bowling Green Daily News, Boucher is an anesthesiologist and pain specialist, and Boucher's attorney's statement noted that the two men worked together when they "were both practicing physicians.""We sincerely hope that Senator Paul is doing well and that these two gentlemen can get back to being neighbors as quickly as possible," Baker's statement Monday said. 2148

Some presidential campaign promises are guaranteed to affect the lives and finances of everyday Americans. Banking industry reforms may not seem like one of them.After all, banking regulations can appear to be pretty remote from your day-to-day financial transactions. You may be surprised to learn that bank reforms implemented by past presidents and their cabinets have had material impacts on regular folks, and there’s no reason to believe that any regulatory changes brought about by a second Trump term or a Biden presidency would be any different.Here’s what you need to know about how presidential politics have affected your bank accounts in the past, and how the outcome of the 2020 election could affect your banking experience in the future.Historical Banking Changes That Continue to Affect ConsumersPresidential administrations of the past have implemented a number of different banking regulations and rule changes that continue to impact the consumer experience in 2020. It’s important to remember that the following banking changes were decided, in part, by the voters’ choosing the president who implemented the changes.Creation of the Federal ReserveInaugurated in 1913, President Woodrow Wilson signed The Federal Reserve Act into law later that same year. Prior to the creation of the Federal Reserve, banks could not count on any emergency reserves if customers all withdrew their funds at once.Such panic withdrawals were relatively common in response to widespread financial crises. The country plunged into a depression in 1907 after a big panic run on the banks led to the failure of several institutions.The Federal Reserve Act established the Federal Reserve System as the U.S. central bank, which not only serves as a lender of last resort to commercial banks that would otherwise go under during an economic crisis, but also supervises and regulates banks to provide a level of safety and soundness. The Fed also sets monetary policy to help ensure full employment and price stability.We’re still feeling the effects of Wilson’s policy every day. Due to the stability offered by the Federal Reserve, only two banks have failed in 2020, despite this year’s pandemic-related economic troubles. Compare this to the more than 600 bank failures per year between 1921 and 1929, prior to the Great Depression.Even more importantly, the Fed sets the federal funds rate, which is the benchmark interest rate for the entire U.S. economy. (It’s also the amount of interest banks charge each other for loaning money overnight to maintain their reserve requirements.) The federal funds rate is currently set at 0% to 0.25%.Financial institutions use the federal funds rate to set the interest rates they offer on interest-bearing accounts, such as savings accounts, CDs and money market accounts. When rates on these accounts are raised or lowered, it’s in part because of how the Fed has set the federal funds rate.The federal funds rate also may affect the rates financial institutions charge on loans, such as mortgages, auto loans, credit cards and the like. However, individual credit history and other factors also can affect these rates.Federal Deposit Insurance Corporation (FDIC)Franklin D. Roosevelt signed the Banking Act of 1933 into law within his first 100 days of taking office. This legislation, which is often referred to as the Glass-Steagall Act after its sponsors, Senator Carter Glass (D-Va.) and Representative Henry B. Steagall (D-Al.), set up the Federal Deposit Insurance Corporation (FDIC), among other provisions.The FDIC insures deposits at an individual bank for up to 0,000 per depositor, for each account ownership category. If your bank were to fail, the FDIC ensures that you would not lose your deposits, up to the applicable limits. As the FDIC proudly states on its website, “No depositor has ever lost a penny of insured deposits since the FDIC was created in 1933.”Few people spend much time thinking about FDIC deposit insurance, but it has had a stabilizing effect on consumer behavior. Prior to the passage of Glass-Steagall, banking customers did not feel confident that their money was safe in the bank, and so they would withdraw their deposits when concerned about an economic downturn.In fact, a rumor that Roosevelt would devalue the dollar caused panic and mass withdrawals in January and February of 1933, leading to the failure of 4,000 banks by the time his March inauguration arrived. Such panicked withdrawals feel unthinkable in 2020 because of the assurance provided by the FDIC coverage.Federal (and many state-chartered) credit unions enjoy similar protection through the National Credit Union Administration, or NCUA.Regulation CCIn 1987, under Ronald Reagan’s administration, Congress passed the Expedited Funds Availability Act to establish the maximum length of holds that banking institutions can place on deposits by their customers.This federal law established Regulation CC, which sets specific rules as to when various types of deposits will be made available to banking customers and provides guidelines to financial institutions for how to disclose their funds availability policies to their customers.Regulation CC specifies that banks can hold their customers’ deposits for a “reasonable” amount of time. The definition of reasonable depends partially on the size of the deposit and the origin of the funds. Still, checks written from an account within the same bank may be held up to two business days, while checks drawn on other banks may be held up to five business days.Banks also may impose longer holds, but they have the burden of proving that the longer hold is necessary and reasonable.Prior to the implementation of Regulation CC, there was concern about the length of time that banks held onto their customers’ deposits before the money appeared in their accounts. With these regulations in place, customers know what to expect from their deposits, making it far easier to handle their cash flow.Proposed Banking Policies in the 2020 ElectionBoth President Donald Trump and Democratic presidential candidate Joe Biden have proposed policies that could alter your banking habits. Here’s what to expect from each candidate’s proposed banking policies.Continued Deregulation Under Donald TrumpThroughout his first term, the incumbent has made bank deregulation a major part of his legislative agenda, with the rollback of some Dodd-Frank regulations in 2018 being his signature achievement in banking. Among other loosened rules, the Dodd-Frank rollback also raised the threshold under which banks are considered “too big to fail” from billion to 0 billion.While the president has not made his proposed banking policies a significant part of his reelection platform, he did propose major changes to the 1977 Community Reinvestment Act (CRA) as of January 2020. The CRA is legislation that prevents banks from discriminating against low-income or under-represented borrowers.As of June 2020, the Office of the Comptroller of the Currency (OCC) put the Trump administration’s proposals into effect. These proposals broaden the definition of what constitutes a bank and expand what types of loans offered to low-income borrowers qualify for improved CRA ratings.Specifically, it now includes credit cards and personal loans. In addition, the new rules give financial institutions credit for community reinvestment for loans for things like stadiums and hospitals. Should the president win his reelection bid, we can expect these new rules to take effect. (However, even if he wins and there is a change in leadership in the Senate, it is possible Democrats will work to reverse these rule changes.)The average bank customer may not notice the changes to the CRA on a day-to-day basis. However, lower-income borrowers may find it more difficult to qualify for a mortgage once these rules take effect.Updates to Older Legislation Under Joe BidenThe former vice president has plans to spruce up several pieces of old banking legislation. The specific items on his agenda include actions to:“Strengthen and enforce” the Dodd-Frank Act to help ensure equal access to banking. He specifically plans to back criminal penalties for reckless actions by bank executives.Protect consumers from predatory lending practices. Biden plans to strengthen consumer lending oversight, enforce remedies for abusive lending practices and pursue legislation to prevent predatory lending.Expand the CRA to include mortgage and insurance companies.Presuming it can enact all the plans it promises, a Biden presidency may provide banking customers with more reassurance that banks will handle their finances with care. Consumers may pay less for their personal loans, credit cards and mortgages if Biden is successful in ending predatory lending practices and if he is able to expand the CRA, thereby improving access to credit for under-represented communities.These rule changes also may place more of a regulatory burden on financial institutions, which could have ripple effects on banking customers. For instance, some consumers with a poor credit history may find that they cannot qualify for loans under a Biden-led crackdown on usurious interest rates, although they did previously qualify for loans that are now considered predatory.Election Costs and ConsequencesPolicy changes from our government’s executive branch can have enormous consequences for the banking industry and the consumers who rely on that industry. Although it may feel as if voting in a presidential election has little to do with how you bank, your vote can help to set policies that will affect banking consumers like yourself for decades to come.Protecting your own and your fellow Americans’ financial health is yet another reason why voting is so important. 9828

Several Hilltown, Pennsylvania, police officers helped save a distressed horse from a burning barn last week, which was captured by an officer’s body-worn camera.Officer Matthew Reiss told KYW-TV that he did not have much time to get Phoebe the horse out of the barn."Quickly improvise, and come up with a solution to get that animal out,” Reiss said.Other horses were in the barn at the time of the fire and were rescued by friends and family, but Phoebe was reportedly too spooked to follow.That’s when the officers and horse trainer Lena Obernesser teamed to get Phoebe out. Obernesser used a shirt to cover her eyes and push the horse to safety as Reiss used a rope to pull Phoebe to safety. Phoebe then ran to safety."She was definitely terrified, the cops were fantastic though, they jumped right in,” Obernesser told KYW. “I saw the footage and I was just in awe. Like oh my God, thank God they were here."Obernesser credited the officers for rescuing Phoebe.“They really stepped up, we had so many people reaching out,” she said. “it was, I was so proud to be a part of this community."After a week, Phoebe is reportedly in good health. The condition of the barn is still being calculated, but members of the community have started a fundraiser to help the Red Wing Farm care for their horses. 1309