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For years, Toys "R" Us was an American success story.Now the discount toy retailer is in its final chapter. The company filed for bankruptcy in September. On Wednesday, Toys "R" Us told employees that it would close or sell all its stores in the United States.It's an ignominious end for the company that was once the toy industry's powerhouse. In the second half of the 20th century, just after the Baby Boom, Toys "R" Us grew into a dominant retail chain thanks to its low prices and a knack for keeping the nation's hottest toys in stock."Toys 'R' Us, Big Kid on the Block, Won't Stop Growing," a Wall Street Journal headline blared in 1988.It all started in 1948, when Charles Lazarus, age 25, opened a baby furniture store called Children's Bargain Town in Washington, D.C. He knew Americans returning from World War II were starting families and needed somewhere to stock up on nursery decor.But before long, Lazarus discovered that the real money was not in cribs, but in toys.Toys break, or go out of fashion — which means parents need to go to the store more often, Toys "R" Us explains in its online company history.In 1957, Lazarus opened his first store stocked only with toys. It was modeled after a supermarket, with items stocked high on shelves and a wide assortment of choices. He named it Toys "R" Us — with a backwards "R" in the logo that was supposed to look it it was drawn by a kid.The mainstays of the iconic Toys "R" Us marketing campaigns emerged over the next two decade. Dr. G. Raffe, which had been used to advertise Children's Bargain Town, became "Geoffrey."In a Washington Post ad from 1970, an eager Geoffrey touted "super giraffic selections" inside "super giraffic stores!" Geoffrey made his first TV appearance in 1973. The "I don't want to grow up" jingle made its debut in the early 1980s.In the meantime, Toys "R" Us was booming.The company went public in 1978 after the bankruptcy of onetime parent Interstate Stores. It quickly became a Wall Street favorite. In 1980, the Los Angeles Times called Toys 'R' Us "one of the New York Stock Exchange's hottest stocks.""What we are is a supermarket for toys," Lazarus told the Washington Post in 1981. "We don't have a competitor in variety. There is none."The Washington Post story favorably compared Toys "R" Us to another American giant: McDonald's."Like McDonald's, with its regimented service and standardized burgers and fries, Toys 'R' Us has become an American institution," the article said.Toys 'R' Us was also known in the corporate world for its sophisticated use of computers."One thing that sets the Toys 'R' Us operation apart is that Mr. Lazarus knows precisely what his customers are buying," a 1985 Wall Street Journal article said. "Each product is tracked by computer, and that helps the chain spot hot-selling items weeks before most competitors do."Lazarus also kept his stores stocked with a variety of baby products, like diapers and formula, so shoppers would have a reason to shop year-round.Things started to go awry in the 1990s. In 1994, Lazarus stepped down as CEO. But the biggest change came when Walmart started offering lower prices on diapers, according to toy industry analyst Jim Silver.While Toys "R" Us remained a destination during the holidays, it lost regular shoppers during the rest of the year."That changed everything," Silver said.In 2001, Toys "R" Us opened a flagship store in Times Square, complete with a 60-foot Ferris wheel and a life-size Barbie dollhouse, in order to juice enthusiasm. But the costs were "astronomical," Silver said.On shaky ground, Toys "R" Us was taken private by a group of private equity firms in 2005. Bain Capital, Kohlberg Kravis Roberts & Co. and Vornado Realty Trust bought the company for .6 billion.Saddled with debt, the store was not able to pour enough money into necessary, innovative changes. By the time Amazon ruled the online shopping ecosystem, Toys "R" Us was lightyears behind — despite an early partnership with Amazon in 2000. The agreement to jointly sell toys online ultimately went sour and ended after a court fight."Walmart had a better online experience. Target had a better online experience," Silver said. "They lost online and they didn't adapt."In 2015, Toys "R" Us closed its Times Square mega-store. It was the beginning of the end.A dismal 2017 holiday season was the death knell. Toys "R" Us will run out of cash in the United States in May 2018, according to a recent bankruptcy filing."Everything is up for sale," Toys "R" Us CEO David Brandon told employees on a conference call earlier this week. 4609

Following Bill Clinton’s sharp rebuke of President Donald Trump Tuesday evening, Barack Obama gave his sharpest scolding of Trump since inauguration day.In Obama’s speech he delivered Wednesday at the Democratic National Convention, Obama lashed Trump for his approach to the presidency.“I did hope, for the sake of our country, that Donald Trump might show some interest in taking the job seriously; that he might come to feel the weight of the office and discover some reverence for the democracy that had been placed in his care,” Obama said.“But he never did. He’s shown no interest in putting in the work; no interest in finding common ground; no interest in using the awesome power of his office to help anyone but himself and his friends; no interest in treating the presidency as anything but one more reality show that he can use to get the attention he craves.”Obama, who was largely silent during the first three years of Trump’s tenure, has become more vocal during this election year. While generally avoiding direct shots at Trump, Obama has prodded Trump for his handling of a number of situations. But his speech Wednesday went as the sharpest reproach Obama has delivered on Trump.“Donald Trump hasn’t grown into the job because he can’t,” Obama said. “And the consequences of that failure are severe. 170,000 Americans dead. Millions of jobs gone. Our worst impulses unleashed, our proud reputation around the world badly diminished, and our democratic institutions threatened like never before.”Trump, who got word late Wednesday of Obama’s censure, responded in kind.“When I listen to this and see the horror that he left us, the stupidity of the transactions that he has made. Look what we are doing,” Trump said. Trump continued by boasting about building the border wall and improving the economy since Obama left office."“President Obama did not do a good job,” Trump added. “The reason I am here is because President Obama and Joe Biden, because if they did a good job, I would not be here. Probably if they did a good job, I would not have even run. I would've been very happy.” 2113

FORT MYERS, Fla. -- Heading to the airport? Pack your worries.  Every day, billions of germs are left all over Southwest Florida International Airport.Biology professor Cliff Renk from Florida Gulf Coast University and student Matt Glass joined us as we took a microscopic look at all the germs we encounter when we fly into and out of the airport. The professor swabbed all sorts of surfaces and using a monitor that counts the number of germs. A reading of 300 on the meter indicates a normal amount of bacteria.One elevator button registered 418. The handles on those luggage carts: a nasty 532.  Escalator handles were about the same but loaded with bacteria colonies. The buttons on the ATM machine in the main concourse were home to almost 80 different colonies of bacteria. But that's just the beginning. If you're flying, everyone needs to go through the security checkpoint.  And the bin you place your phone in -- which you hold to your face -- might be the same one the person before it put his shoes in following a visit to the bathroom. They could carry staph, which can cause pimples, boils and in some cases flesh-eating bacteria. There are about 1000-1500 TSA plastic bins that we place our stuff in when we go through security. We tested the first bin and its handles; it came in came below the normal level. The second tested at more than two times higher.  The third, well that's a different story. Even though the number was 611, Professor Renk says some stomach-churning germ colonies  - more than 300 - were lurking on board, including fecal bacteria and other bacteria generally found on the bottom of shoes. Reps from both the airport and the TSA tell us it's important we remember any public space is a breeding ground for germs and to bring and use hand sanitizer or wipes at all times.  Finally, they say to wash your hands frequently. And speaking of hands we did one last test on reporter Frank Cipolla's hands to show you what any one of us might be lugging around at any moment. He spent all morning at the airport and shook about a dozen hands. Remember, 300 is a normal reading. His right hand registered about 3000.The TSA says it would cost too much money to put hand sanitizer dispensers in every airport in America, so a warning to all travelers. When it comes to germs at the airport, you're on your own.  2416

For parents preparing to start this school year with their children at home, there are concerns about children adapting mentally and emotionally to another semester away from their schoolmates and teachers.“I am a parent myself, so I can relate to the anxiety,” said Janine Domingues, a clinical psychologist with the Child Mind Institute.Domingues says parents have very good reason to be concerned.“For children or adolescents who were already prone to anxiety or social anxiety or depression, certainly this time, as you are more isolated and can’t interact with others, it can heighten anxiety and depression symptoms,” said Domingues.There are warning signs parents can look for to recognize if the isolation and social distancing are getting to their child.“Further isolation in their room, not getting out of bed, not engaging in activity that they normally would’ve engaged in,” said Domingues. “And honestly, if they are expressing sadness every day and in intense levels of that.”If a parent sees some of those warning signs, they are strongly encouraged to take action.“The number one step is reaching out for mental health services,” said Domingues. “Whether it is reaching out to a previous psychologist or therapist that you worked with or a new psychologist.”Organizations like the Child Mind Institute provide telehealth services for children struggling mentally and emotionally right now, and they even provide financial assistance for families concerned about affording the sessions.However, before it gets to the point where a child may need help, Domingues said there are steps parents can take to help their child adjust better to this start of the school year at home.“Really talking about it, honestly,” said Domingues. “Helping them understand that there might be another time where we are doing this at home.”She said parents should ask their children about their concerns, ask what worked well at the end of last semester and what did not, and ask the child about what they think they will feel at the start of this semester.“It can feel very overwhelming and anxiety-provoking, but again, it’s just taking one step at a time and talking through it,” said Domingues.Domingues, and most psychologists, believe kids are resilient and with the proper guidance, they can adapt to whatever schooling situation they’ll be in this fall. 2363

For years, the Federal Housing Administration was the king of the low-down-payment mortgage mountain. Now, Fannie Mae and Freddie Mac, the government-sponsored enterprises that provide capital to the mortgage market, are designing loan products for hopeful home buyers with skinny savings accounts.With Fannie Mae’s HomeReady and Freddie Mac’s Home Possible, a 3% down payment — or what lenders refer to as 97% loan-to-value — is available on so-called conventional loans. Conventional loans are the loan products most often issued by lenders. 561

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