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California's Camp Fire didn't just kill dozens of people and destroy thousands of homes. It also left an insurance company in financial ruins, unable to pay millions of dollars to policyholders.A state judge ruled that Merced Property & Casualty Co. can't meet its obligations after last month's Camp Fire, the deadliest and most destructive wildfire in California history.Merced's assets are about million, but it faced about million in outstanding liabilities just in the city of Paradise, court filings show.Judge Brian McCabe's decision allows the California Department of Insurance to take control of Merced. According to court documents, the state's Conservation & Liquidation Office will start liquidating what's left of the company.Photos: Wildfires devastation in CaliforniaUnlike with bankruptcy, where a business or individual can start over, liquidation means there is no hope for a company's recovery.Fortunately for Merced's policyholders, they are covered by the California Insurance Guarantee Association, which "protects resident claimants in the event of an insurance company insolvency."But the association has maximum benefit limitations, according to Merced."If it ends up that you have a claim in excess of CIGA's limits," the company said, "the excess will be a claim against the assets of Merced." 1337

CHICAGO — A special prosecutor in Chicago says Cook County State’s Attorney Kim Foxx and her office abused their discretion in the case against actor Jussie Smollett but did nothing criminal. In a statement on the conclusions of his investigation, special prosecutor Dan Webb sharply criticized the handling of the Smollett case by Foxx and her assistant prosecutors, saying their handling was marked by disarray and misleading statements.In his conclusion, Webb wrote that the investigation “did not develop evidence that would support any criminal charges against State’s Attorney Foxx or any individual working at (her office)” but “did develop evidence that establishes substantial abuses of discretion and operational failures”In March last year, Foxx’s office surprised and angered many in Chicago by dropping charges that accused the former “Empire” actor of staging a racist, homophobic attack against himself. Smollett is still adamant that the attack was real and wasn’t a publicity hoax.Foxx is seeking re-election in the fall. She won a primary election in March. 1083

CARLSBAD, Calif. (KGTV) - Monique Ramsey has struggled with weight most of her life."I'm 5'1, and so weight loss has always been something that's a struggle, and it's definitely a heredity component."Ramsey said diet and exercise were never enough."I think I've tried just about everything, and you know, it's hard to sort of feel like you're starving yourself through crazy diets and things like that," said Ramsey.RELATED: The DNA diet creates personalized diet plan for users; here’s how it worksIn July of 2017, she decided to try something new."This is a tool that is such a game-changer," said Ramsey.That tool is the Obalon Balloon System. Mark Brister invented the device at the Obalon Therapeutics manufacturing center in Carlsbad."There weren't a lot of technologies out there to help people who were just overweight. Most people had to wait until they were morbidly obese in order to be eligible for treatment so we decided to invent a product that would fit the middle ground," said Brister, who is the Chief Technology Officer at Obalon Therapeutics.Obalon is the only FDA approved swallowable gas-filled balloon for people roughly 30 to 100 pounds overweight. RELATED: Eating breakfast may not help you lose weight, study says"It's about the size of a cheeseburger, and the doctor will place three of these by having you swallow them in a simple in-office procedure over the six to eight weeks," said Brister.The balloon is inside a large capsule that is attached to a thin catheter. The doctor uses a computerized navigation system to track the balloon as it travels into the stomach. Once it's in the stomach, the balloon is filled with gas. The patient will get three balloons over six to eight weeks."This is sort of like being able to have stomach stapling without having surgery," said Ramsey.Side effects after the first balloon is inserted can include nausea and cramping. Ramsey said she didn't have any problems."You're actually taking up the room in the stomach, so you're having a smaller stomach, but there are no permanent after-effects long term," said Ramsey.RELATED: Celebrities are fighting over the 'keto' diet. Here's what science says about how healthy it isAfter six months, the balloons are removed during an endoscopic procedure. Ramsey lost 25 pounds and has managed to keep it off. She wants to lose 25 more."For me, that's a huge jump start, and I've never been able to get that far in that short amount of time."The balloons are kept in for six months, but success requires a life long commitment."What the balloons do, they're sort of a tool, I think is a tool to sort of say, help retrain your brain and help recondition yourself to eat less, eat better, make better choices," said Ramsey.The program also includes a year of nutrition and exercise support.RELATED: La Jolla lab creating cure for baldness"I can still be just as happy. I don't need M&M's, I don't need Fritos, or whatever "thing" it is, it really helps reset your mind and motivation to stay healthy," said Ramsey."All of a sudden, you start to see people as they start to lose weight, they start to gain confidence, so I have many times, we've seen people lose 50 or 75 pounds and gain 500 pounds of confidence," said Brister.In October, Obalon Therapeutics opened its first full-service weight loss center in 4S Ranch. Rita Starritt is the doctor."When you are very overweight, you've already tried a low carb diet, and you've tried a keto diet and you need something else to happen you and a lot of it is education, lifestyle changes, nutrition, the system, the balloon system helps people lose twice as much weight as those who did diet and exercise alone," said Dr. Starritt.In 2017, the FDA issued a warning about potential risks of liquid-filled intragastric balloons. The balloons have been linked to the deaths of twelve people around the world since 2016. The FDA has not issued any warnings related to the Obalon system."What Obalon does is it floats up, and it moves around, it's very buoyant, so in terms of the ability for the device to float around and not cause damage to the stomach, that's really what differentiates us," said Amy Vandenberg, Chief Clinical and Regulatory Affairs Officer of Obalon Therapeutics.The treatment costs roughly ,000 and includes a year of nutrition and exercise support."It's all about moderation, and the balloons are a nice reminder of that so that you don't have to feel that something is forbidden," said Ramsey. 4487

CEDAR PARK, TX — Three police officers were shot Sunday while responding to a call in Cedar Park, Texas, according to police.The three officers suffered non-fatal injuries while responding to the call on Sunday afternoon and are currently stable at a local hospital.The shooting began an hours-long standoff that lasted throughout the evening on Sunday and well into Monday morning. Two hostages were released from the home on Monday morning at about 8 a.m. CT. About an hour later, a third hostage and the suspect emerged from the home peacefully.Preliminary information obtained by ABC News says the incident started as a domestic dispute. 650

CHICAGO -- Right now, nine COVID-19 vaccines are in or near a large-scale human trial phase. But enrollment of minorities in the trials remains a challenge. This is despite a disproportionate number of African-Americans impacted by the coronavirus.Earlier this month, ads from the National Institutes of Health began airing asking Black people and Latinos to volunteer for the coronavirus vaccine trials.“Operation Warp Speed” may be moving quickly, but pharmaceutical companies are having a difficult time getting Black and brown participants.“What we really bring to the table is moral persuasion and encouraging our population to participate in safe and ethical clinical trials,” said Reverend Anthony Evans, the president of the National Black Church Initiative. Over the past 15 years, they’ve worked with the pharmaceutical industry to boost Black representation in more than a dozen previous clinical trials.“I think that we can be a major help to both the government and the pharmaceutical industry if they use us,” said Evans.The Black community has been hesitant to take part in medical research and clinical trials because of a history of past abuse.Most infamously, the 40-year Tuskegee Syphilis Experiment that used Black men to study what happened when the disease went untreated.“They were just basically experimented on without their knowing about it or their understanding what was happening. And a lot of people had very bad outcomes because of this,” said Dr. Emily Landon, an infectious disease specialist at University of Chicago Medicine.A recent Pew study found that Black Americans are still more skeptical of experimental treatments and a potential COVID-19 vaccine than Hispanic and white adults.Add to that, most of the current trials are recruiting mainly online, something experts say often results in mostly white people enrolling.“We will know more and be able to do a better job in caring for our friends and patients of color if we have more participation in these trials,” said Landon.Moderna had to delay trials because of a lack of diversity. As of earlier this week, 13% of Moderna’s enrollment volunteers were Black and 51% white. At the same time, only 8% of Pfizers volunteers are Black and 75% white.“They are going to have a significant shortfall of data when it comes down to African Americans and other groups, especially Latinos, and simply because they have not made the efforts,” said Evans.In the end, the vaccine must be at least 50% effective to receive FDA approval. Without a diverse group of volunteers, experts say it could be difficult to know just how safe and effective the vaccine actually is across races. 2672

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