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now crossing the border into the United States.It looks like motor oil, but the black watery tar sitting in five-gallon buckets is nearly pure THC concentrate."I started to see the people that would usually backpack marijuana through the desert were now backpacking up crude oil," said Detective Matthew Shay with the Maricopa County Sheriff's Office.Cartels make the concentrate by using a complex process to strip THC off marijuana plants. What's left is distilled and filtered further, taking a product that began at about 6% THC into one that carries a THC content of more than 80%.Shay says it takes about 250 pounds of low-grade commercial marijuana to produce a five-gallon bucket of crude cannabis oil. Once in a concentrated form, profits skyrocket. Each bucket could produce more than 0,000 in vaping cartridges."These are all black-market cartridges — none of these are from a licensed dispensary," Shar said.Once the crude oil from the cartels hits the streets, dealers in the United States begin cutting the product with additives. Shay confirmed that dealers will add ingredients like vitamin E acetate — a compound linked to EVALI, a lung illness related to vaping that has sickened thousands across the country. However, a link between black market cannabis concentrate and EVALI has not yet been confirmed.Shay confirmed that American smoking habits are driving the new trend. Using vape cartridges to deliver THC is now the most popular way of consuming marijuana."That's the whole business right?" Shay said, "If there isn't a market, there's no reason to be shipping the stuff up."It's that demand that fuels the cartel's new strategy — creating a risk no one should take."The black market cannabis cartridges are going to be hazardous, period," Shay said.Labs are testing the crude oil to find out exactly what kind of chemicals are in the product.This story was originally published by Cameron Polom on 1930

child walked out of his daycare classroom in Monroe, Ohio, on Monday, down the hall past the administrative offices and out the front door before a passing stranger found him and took him to his mother. "I'm just thankful the lady stopped and picked him up, and she was a good lady, she wasn't a crazy person," said Candis Coates, the boy's mother. "I was thankful my son knew my name and where I was and his name." The stranger took the young boy, named AJ, to Coates' workplace, where she was working when the incident happened. She said the daycare didn't even realize AJ was missing until she called them about it after her son was brought to her. Coates said her son walked past the kitchen, administrative offices and the front desk before he unlocked a child-sized door and walked out. She said he then sat on a bench in the entry of the daycare for a bit before wandering into a nearby field, with heavy traffic whizzing nearby on Route 4. "My heart broke seeing him in that huge field, and if he would have went one way or the other..." said Lynzie Jestice, who found AJ and returned him to his mother. She's a nurse and a mother of three herself. Her concerns were also warranted; if AJ had gone one way or the other, he could have wandered onto busy Route 4 or, in the other direction, into the four lanes of Roden Park Drive. "I rolled down my window. I was like, 'Hey, buddy, where's your mom?'" said Jestice. Luckily, AJ knew his mother's name and the name of where she worked, which helped Jestice to take him to the right place. "We have strict policies and protocols to ensure the well-being of our children," said Lydia Cisaruk, a spokesperson with Childtime Daycare, in a statement. "Unfortunately, despite our precautions, a situation arose recently in which a child left the premises. The child was unharmed and was reunited with family members. We are taking all appropriate steps to prevent such a situation from happening in the future. We are re-emphasizing our policies and procedures with all staff members to ensure safety protocols are consistently followed. Nothing is more important to us than our children's safety." Childtime Daycare has had a history of 2190

Your credit card issuer can lower your credit limit at any time, regardless of how well you manage your account. Issuers might cut credit limits to minimize risk in an uncertain economy, as many cardholders have experienced during the COVID-19 pandemic in 2020. Or they may do it when cardholders regularly use what the issuers see as too much or too little of their available credit.Credit card companies determine your credit limit by evaluating several factors, like your credit score, your income, the available credit you already have and how much of that existing credit you’re using. Ultimately, though, they can increase or decrease limits whenever they want.When can a credit card issuer reduce my credit limit?Although credit card issuers can lower your limit at any time, they are most likely to do so when:You use too much of your available credit: When a cardholder regularly maxes out their credit limit or carries high balances, credit card issuers may view it as a sign of financial trouble. As a result, they may cut your credit limit going forward to minimize their own risk. This is especially true if you start paying late or missing payments.When the card is inactive or seldom-used: The company that issued your credit card makes money only if you use the card. (That money comes from transaction fees and, if you carry a balance, interest.) If you rarely use it, the issuer may be inclined to reduce your limit and, effectively, allocate that available credit to someone else who’s more likely to generate income for the issuer. If you let your card sit for too long without using it at all, your issuer might close your credit card entirely, leaving you with a potentially damaged credit score and no card to use.When the economy is uncertain: Credit card issuers have been known to reduce credit limits to minimize their risk when the economy is uncertain. Most issuers cut credit limits during the Great Recession, according to a survey by the Federal Reserve. They also did so in response to the COVID-19 economy.Can credit card companies lower your credit limit without notice?Credit card companies are not required to notify you about lowering a credit limit unless it will lead to an over-the-limit fee, which is unlikely since many issuers no longer assess this fee. In most cases, credit card companies are required to notify you 45 days ahead of time about any changes to your account’s terms and conditions, but this is one exception.Though credit card issuers aren’t obligated to notify you about a credit limit decrease, it’s common for them to do so. If you do receive such a notice, it might include a reason why the issuer trimmed your credit limit. You might even be able to ask to keep your current credit limit, depending on the reason for lowering it.Can I avoid credit limit reduction?You might be able to avoid a credit limit reduction, but it will likely depend on your issuer and your track record on managing your credit. The best attempt at avoiding one is to contact your issuer as soon as you learn that your credit limit is changing. You have nothing to lose by asking the company to consider keeping your prior credit limit.If you’re on the brink of maxing out your credit card or you’re using a lot of your available credit, it may be more difficult to persuade your issuer to leave your credit limit alone. Cardholders whose limits were slashed due to inactivity may have better luck.Act fast to contact your credit card issuer as soon as you get notice, if you get any. If you wait too long, you might have to undergo a credit check to get a credit limit increase, and there’s no certainty that you’ll get bumped back up to your previous amount.Will a decreased credit limit affect my credit score?A lower credit limit can affect your credit score if it materially changes your credit utilization ratio, the percentage of your available credit you’re using. Utilization is a key factor in your credit score. A rule of thumb is to use less than 30% of your available credit.Even if a reduced limit pushes you over that percentage, the effect doesn’t have to be permanent. Stay on track with payments and get your debt down, and your credit can recover.More From NerdWallet6 Credit Card Scams and How to Avoid ThemIs It OK to Never Have a Credit Card?Today’s Definition of Financial Adulthood Is More Flexible Than EverMelissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. 4485

- curbside service for truck drivers."Thank you again for all you’re doing during this uncertain time," said Bill Garrett, McDonald's Senior Vice President of Operations. "Know that we’re doing everything we can to be there for you as long as we can. We’re in this together."In the statement, McDonald's listed the following ways for those who drive big rigs to order food:Use McDonald’s Mobile Order & Pay app, when you arrive at the restaurantSelect Curbside Service and walk to the designated Trucker curbside sign on the sidewalk outside our designated doorComplete your order by entering the appropriate Trucker curbside number and we’ll bring your order to you at the designated door as soon as it’s ready.The McDonald's app is available for download from the App Store for iPhone users or the Play Store for Android users. 834

in order to help produce medical equipment for those fighting the coronavirus pandemic.Ford says it will team with 3M, GE Healthcare and the United Auto Workers Union to assemble more than 100,000 face shields per week and use its in-house 3D printing capability to produce disposable respirators for healthcare workers."This is such a critical time for America and the world. It is a time for action and cooperation. By coming together across multiple industries, we can make a real difference for people in need and for those on the front lines of this crisis," said Bill Ford, Ford's executive chairman. "At Ford, we feel a deep obligation to step up and contribute in times of need, just as we always have through the 117-year history of our company."Here's what the companies will produce, according to Ford:Powered Air-Purifying RespiratorsFord team members are working with 3M to increase the manufacturing capacity of their powered air-purifying respirator (PAPR) designs and working jointly to develop a new design leveraging parts from both companies to meet the surging demand for first responders and health care workers. The respirators can be produced in Ford facilities by UAW workers.In order to speed up the process, Ford and 3M teams have been locating off-the-shelf parts — like fans from the Ford F-150's cooled seats or 3M HEPA air filters and portable tool battery packs. All these spare parts can be used to make thousands of respirators. Ford is looking at how it might produce these new-generation PAPRs in one of its Michigan manufacturing facilities, helping 3M boost production potentially tenfold."Working with 3M and GE, we have empowered our teams of engineers and designers to be scrappy and creative to quickly help scale up production of this vital equipment," said Jim Hackett, Ford's president and CEO. "We've been in regular dialogue with federal, state and local officials to understand the areas of greatest needs. We are focusing our efforts to help increase the supply of respirators, face shields and ventilators that can help assist health care workers, first responders, critical workers as well as those who have been infected by the virus.""We're exploring all available opportunities to further expand 3M's capacity and get healthcare supplies as quickly as possible to where they're needed most – which includes partnering with other great companies like Ford," said Mike Roman, 3M's chairman of the board and CEO. "It's crucial that we mobilize all resources to protect lives and defeat this disease, and I'm incredibly grateful to Ford and their employees for this partnership."VentilatorsIn addition, Ford and GE Healthcare are working together to expand the production of a simplified version of GE Healthcare's existing ventilator design to support patients with respiratory failure or difficulty breathing caused by COVID-19. These ventilators could be produced at a Ford manufacturing site in addition to a GE location."We are encouraged by how quickly companies from across industries have mobilized to address the growing challenge we collectively face from COVID-19," said GE Healthcare President & CEO Kieran Murphy. "We are proud to bring our clinical and technical expertise to this collaboration with Ford, working together to serve unprecedented demand for this life-saving technology and urgently support customers as they meet patient needs."Work on this initiative ties to a request for help from U.S. government officials.Respirators and Face ShieldsThe first 1,000 face shields will be tested this week at hospitals in the Detroit area. Roughly 75,000 of these shields are expected to be finished this week and more than 100,000 face shields per week will be produced at Ford subsidiary Troy Design and Manufacturing's facilities in Plymouth, Mich.Ford is leveraging its Advanced Manufacturing Center in Redford, Mich., and in-house 3D printing capabilities to manufacture disposable respirators, which are needed to help filter the air healthcare workers and first responders breathe. Once approved by the proper health agency, Ford will initially start at a pace equal to 1,000 per month but will quickly grow production as fast as possible.Ford is evaluating a separate effort, not involving GE Healthcare with the U.K. government to produce additional ventilators.In China, Ford of China's joint venture partner Jiangling Motors also has donated 10 specially equipped Transit ambulance vans to hospitals in Wuhan.Ford is also reacquiring 165,000 N95 respirators from China that were originally sent by Ford to China earlier this year to help combat coronavirus.Ford has also kicked off a working team to help hospitals locate and secure urgently needed surgical and N95 respirators. Ford has so far committed sending Henry Ford Health Systems 40,000 surgical masks while it locates additional supplies.This story was originally published by 4919