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CHARLOTTE, N.C. (AP) — JPMorgan Chase says it will extend billions in loans to Black and Latino homebuyers and small business owners in an expanded effort toward fixing what the bank calls “systemic racism” in the country’s economic system. The bank said it is committing billion over the next five years toward programs that include earmarking more money for getting Black and Latino families into homeownership and providing additional financing to build affordable rental housing units. The bank said it expects the billion to help finance 40,000 additional mortgages for Black and Latino households, another 20,000 loans that will refinance mortgages and help construct 100,000 affordable rental units. 722

Casper has mastered how to sell mattresses in a box online. Now the company will test its strength at the store.CEO Philip Krim said Casper will open 200 stores across the country in the next three years. The Wall Street Journal first reported the company's plans."It will give us a footprint to help educate consumers," he said in an interview.The announcement is a clear signal that Casper, an online startup that launched in 2014, believes a physical presence is still a crucial part of retail.Casper has recently rolled out 19 pop-up stores in markets like New York and San Francisco, and Krim said they are beating expectations, convincing the company to expand deeper."The presence of physical stores increases both offline as well as online sales," said Barbara Kahn, a marketing professor at Wharton.A permanent store footing will help Casper build loyalty with current customers, gain exposure among new shoppers, and increase impulse buys that can only come from browsing physical locations, she said.In addition, people usually want to try out mattresses and bedding before they make a final purchase, and stores will give Casper another way to appeal to them.The plan marks a new front for Casper, which broke into an industry controlled by brick-and-mortar retailers like Mattress Firm and Sleepy's.Casper distinguished itself by pricing the only mattress it sold at the time below its competitors, as well as offering free delivery and a 100-day trial period at home."Consumers have long gone into traditional mattress stores feeling uninformed and have been subject to ridiculous price points," said Bob Phibbs, CEO of the consultancy Retail Doctor.Casper offers just three varieties of mattresses, which gives it an advantage over rival mattress stores that offer a confusing array of soft, firm, foam, springy, and everything in between, Phibbs noted.Casper gained attention online with customers posting videos of themselves unboxing mattresses on social media, racking up 0 million in sales during its first full year.As it continued selling direct-to-consumer online, moving into bed frames, sheets, pillows, and dog mattresses, Casper partnered with retailers like Nordstrom, Target, and West Elm to increase distribution.Stores will help Casper stand out in a crowded mattress environment. Digital rivals such as Purple, Leesa, Tuft & Needle, and Yogabed have cropped up, while legacy retailers have taken a page from Casper, introducing delivery in a box."By opening stores, they are upping the ante to compete, and less well-funded competitors may be at a disadvantage," said Kahn.Amazon has also become a huge mattress player, increasing its sales in 2017 by 82% from the prior year, estimated research firm One Click Retail. Casper is only one of dozens of mattress brands Amazon sells.As Casper moves into brick-and-mortar territory, Mattress Firm is retrenching. Mattress Firm has closed 200 stores in 2018, according to Coresight Research, a retail think tank.Reuters reported this week that it was weighing a bankruptcy filing to close some of its 3,000 stores that were losing money.The company declined comment through a spokesperson.Casper is playing a different game than Mattress Firm, though.Online retailers like Casper and Warby Parker want stores to help it achieve scale advantages, while legacy retailers are trying to escape malls and invest in delivery and supply chains to survive online, said Jefferies analyst Randal Konik. 3489

CARLSBAD, Calif. (KGTV) — Police say they were tasked with breaking up a crowd of 50 to 100 beachgoers having a large party on Friday amid a ban on gatherings in the county due to the pandemic.Carlsbad Police say the large crowd of mostly young people was having a large party and drinking near the Rue Des Chateaux beach access point on North Ocean St. at about 6 p.m.Police said when they arrived, the crowd voluntarily dispersed and no fines were given.A witness who sent ABC 10News a photo of the scene said it's not the first time this has happened. The witness said that large gatherings and parties in their neighborhood and at the beach have become a daily occurrence. The county's public health order bans gatherings of any size involving individuals who are not from the same household. 804

CARLSBAD, Calif. (KGTV) - Another local city has decided to back the federal government's lawsuit against California's sanctuary state laws.Carlsbad's City Council voted Monday to support the Trump Administration's lawsuit against the state. Carlsbad is the third local jurisdiction to back the lawsuit, joining Escondido and San Diego County.Carlsbad will also formalize its support in a resolution to be voted on at its next meeting and issue a "friend of the court" brief to join the lawsuit.RELATED: 2 San Diego County leaders meet with Trump regarding California sanctuary lawsThe city says the vote will not have an immediate effect on local enforcement. Carlsbad Police Chief Neil Gallucci said city police will continue to operate "in accordance with the law and does not have a formal position on sanctuary city issues."Carlsbad Police updated its policy manual in May to reflect the three state laws.Earlier this year, California passed a series of laws aimed at adding protections for undocumented immigrants from federal immigration authorities: AB 450, AB 103, and SB 54 — the latter of which prevents local authorities from aiding federal authorities in enforcing federal immigration laws.RELATED: San Diego County Board of Supervisors votes to support sanctuary state lawsuit against CaliforniaNational City, Chula Vista, and the City of San Diego have voted to support California's laws, along with about 20 other cities throughout the state.California is one of seven states that have declared themselves "sanctuary states," according to the Center for Immigration Studies. President Trump has said he intends to block federal funding for any states or cities that operate against federal immigration laws. 1761

CHICAGO (AP) — While on trial for child pornography in 2008, R. Kelly still found time to talk to fans, give autographs and to meet an underage girl he later invited to his home, according to prosecutors who depicted the R&B star as manipulative and sometimes violent.Other accusers included a girl who met Kelly at her 16th birthday party and a hairdresser who expected to braid the singer's hair only to find that he wanted oral sex instead, court documents said.The accounts emerged Saturday as Kelly made his first court appearance since being accused of sexually abusing four people in a case that could produce another #MeToo reckoning for a celebrity.A judge gave Kelly a chance to go free while awaiting trial, setting bond at million. That means the 52-year-old Grammy winner must post 0,000 to be released or remain behind bars until he is tried on the allegations that date back as far as 1998 and span more than a decade.The prosecution released four detailed documents — one for each accuser — outlining the basis for the charges.The 16-year-old girl who attended Kelly's trial got his autograph after a court session. He later invited her to his home in the Chicago suburb of Olympia Fields, where they had sex multiple times, according to the documents, which said he also slapped, choked and spit on her.In 1998, another girl reported meeting Kelly at a restaurant where she was having a 16th birthday party. Kelly's manager gave her the singer's business card and suggested she call Kelly. The girl's mother heard the exchange, took the card and told the manager her daughter was 16.But her daughter later retrieved the card from her purse. She contacted Kelly, who gave her instructions and money that she assumed was for the taxi fare to his studio, where they had sex periodically for a year, the documents said.In early 2003, a Chicago hairdresser told prosecutors that she thought she was going to braid Kelly's hair, but he pulled down his pants and instead tried to force her to give him oral sex. The woman, who was 24, was able to pull away, but Kelly ejaculated on her and spit in her face, the documents said.Prosecutors also described a witness who had access to videotapes showing Kelly having sex with a 14-year-old girl. The witness turned a tape over to authorities and identified the girl, who repeatedly stated her age on the footage, according to the documents.Kelly's DNA was found in semen on one of the accuser's shirts, and semen found on a shirt worn by another was submitted for DNA testing, Cook County State's Attorney Kim Foxx said. It was not clear when the accusers turned the shirts over to authorities, whether it was shortly after the abuse or more recently.At the bond hearing, Kelly's attorney, Steve Greenberg, said his client is not a flight risk. He told the judge, "Contrary to the song, Mr. Kelly doesn't like to fly." One of Kelly's best-known hits is "I Believe I Can Fly."Greenberg said Kelly "really doesn't have any more money," suggesting that others had mismanaged his wealth. Still, he said he expected that Kelly would be able to come up with enough money for bail.The judge called the allegations "disturbing." The singer-songwriter looked down at the floor as the judge spoke.After the hearing, Greenberg told reporters that Kelly did not force anyone to have sex."He's a rock star. He doesn't have to have nonconsensual sex," Greenberg said.The judge ordered Kelly to surrender his passport, ending his hopes of doing a tour of Europe in April. Kelly defiantly scheduled concerts in Germany and the Netherlands despite the cloud of legal issues looming over him. Greenberg denied that any tour was planned.The recording artist, whose legal name is Robert Kelly, has been trailed for decades by allegations that he violated underage girls and women and held some as virtual slaves. He was charged with 10 counts of aggravated sexual abuse.Kelly, who was acquitted of child pornography charges in 2008, has consistently denied any sexual misconduct. He broke into the R&B scene in 1993 with his first solo album, "12 Play," which produced such popular sex-themed songs as "Bump N' Grind" and "Your Body's Callin'."He rose from poverty on Chicago's South Side and has retained a sizable following. Kelly has written numerous hits for himself and other artists, including Celine Dion, Michael Jackson and Lady Gaga. His collaborators have included Jay-Z and Usher.The jury in 2008 acquitted Kelly of child pornography charges that centered on a graphic video that prosecutors said showed him having sex with a girl as young as 13. He and the young woman allegedly seen with him denied they were in the 27-minute video, even though the picture quality was good and witnesses testified it was them, and she did not take the stand. Kelly could have been sentenced to 15 years in prison.Charging Kelly now for actions that occurred in the same time frame as the allegations from the 2008 trial suggests the accusers are cooperating this time and willing to testify.Because the alleged victim 10 years ago denied that she was on the video and did not testify, the state's attorney's office had little recourse except to charge the lesser offense under Illinois law, child pornography, which required a lower standard of evidence.Each count of the new charges carries up to seven years in prison, and the sentences could be served consecutively, making it possible for him to receive up to 70 years. Probation is also an option.The walls began closing in on Kelly after the release of a BBC documentary about him last year and the multipart Lifetime documentary "Surviving R. Kelly," which aired last month. Together they detailed allegations that he held women against their will and ran a "sex cult."#MeToo activists and a social media movement using the hashtag #MuteRKelly calling on streaming services to drop Kelly's music and promoters not to book any more concerts. Protesters demonstrated outside Kelly's Chicago studio. 6010

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