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The year 2018 was a tale of two stories: a year of record-breaking holiday sales and a year of retailers filing for bankruptcy. According to the Mastercard Spending Pulse report, brick and mortar stores saw a 5 percent increase in sales compared to last year. There was a 19 percent increase for online sales. However, it was also year big retailers like Sears filed for bankruptcy, and Toys-R-Us closed its stores. “Weak retailers are closing,” says marketing professor Darrin Duber-Smith. “It just takes them forever to close.” What does this mean for retailers as we head into 2019? “If the retailers that are in trouble--the ones that are kind of running out of cash, the ones that really look like they're going out of business--if they don't have a good holiday season, they're pretty much dead in the water in the first couple of quarters,” Duber-Smith explains. Despite an increase in holiday sales overall, department stores struggled. Sales were reportedly down 1.3 percent this holiday season. J.C. Penny’s stock fell below a share for the first time last week. Lord & Taylor and Saks Fifth Avenue have been shutting down some of their flagship stores, and Nieman Marcus has big debt coming due in 2020 and 2021. Duber-Smith says debt is a make or break. “These brands that are saddled with so much debt aren't able to invest in their companies,” he explains. “They're not able to invest in marketing. They're not able to invest in e-commerce.” E-commerce is key. Online sales growth for department stores grew 10.2 percent, but Amazon is still king when it comes to online retailers. That's why some stores have decided to work with the retail giant. “Best Buy was left for dead,” Duber-Smith explains. “Now, they have a partnership with Amazon where you can try the products in-store and buy it on Amazon. But now, Best Buy get a piece of that action.”Survival for some retailers means finding creative ways to thrive in an ever-changing retail landscape. 1990

The Republican leaders of the House Judiciary and Oversight committees announced Friday they have wrapped up their review of the FBI's handling of the Hillary Clinton and Russia investigations, and raised concerns about the "thoroughness and impartiality" of the investigations.In a letter to Senate Majority Leader Mitch McConnell, acting Attorney General Matt Whitaker and Department of Justice Inspector General Michael Horowitz, House Oversight Committee Chairman Trey Gowdy and House Judiciary Committee Chairman Bob Goodlatte reiterate prior criticisms of the investigation. Among those critiques are former FBI Director James Comey's handling of the decision not to prosecute Clinton, as well as charges of political bias by now-former FBI agent Peter Strzok and former FBI lawyer Lisa Page.The lawmakers repeat their call for a special counsel to be appointed to investigate decisions made during both investigations and also what they call the "disparate way these two investigations were seemingly conducted."Notably, Goodlatte and Gowdy argue that special counsel Robert Mueller's investigation must be "trusted by Americans," writing "there has been no effort to discredit the work of the Special Counsel. Quite the opposite, whatever product is produced by the Special Counsel must be trusted by Americans and that requires asking tough but fair questions about investigative techniques both employed and not employed." 1444

This week's series of earthquakes served as a reminder that the United States' earthquake risk extends far beyond the Pacific Coast. On Tuesday, Puerto Rico was rocked by a 6.4 magnitude earthquake. The earthquake knocked out power to most of the island, killing at least one. Also in recent days, minor earthquakes were felt in Tennessee and Texas. While there have been dozens of earthquakes with a 4.5 magnitude or higher throughout the United States in recent years, the eastern United States see relatively fewer. Only four earthquakes of 4.5 magnitude or greater in the last four years have impacted the eastern United States. But the issue is not the quantity of earthquakes in the eastern United States, but the impact. The USGS puts out a hazard map that shows the earthquake risk nationwide. The map shows areas such as the Pacific Coast and parts of Alaska and Hawaii with a high risk of peak ground accelerations. It turns out that areas of Missouri, Tennessee, Kentucky, Arkansas, Illinois and South Carolina.USGS scientist David Schwartz agrees that the Pacific Northwest all the way to Charleston, S.C., practically every region of the United States, has a risk of feeling a devastating earthquake."The nature of the crust changes as you go from east to west. The Central and Eastern US, the crust is really old, it is older it is colder, it is denser, than the crust in the west which is younger,” Schwartz said. “It’s broken up by many faults and warmer. These different crusts transmit seismic waves differently.”And this difference in geology means that a strong earthquake in the Eastern United States could cause damage over an extensive area.Although the Eastern United States has not had many major earthquakes in the last century, two of the most powerful quakes in American history have happened east of the Rockies. The magnitude 5.8 earthquake that caused damage to the Washington Monument in 2011 is only a minor example of the kind of earthquakes the Eastern United States could see.In 1811 and 1812, a series of earthquakes struck the Mississippi River valley along the New Madrid fault. The strongest of the quakes was a possible magnitude 7.8. The quake was felt across much of the Eastern United States.In 1866, a magnitude 7.0 rattled Charleston, S.C.“A repeat of any of those earthquakes would be extremely damaging, because the housing stock in the Central and Eastern U.S. has not been designed for earthquakes,” Schwartz said.According to a survey funded by the U.S. Army, a magnitude 7.7 earthquake located along the New Madrid fault could cause 85,900 deaths and 8 billion in damage. By comparison, Hurricane Katrina caused roughly 1,500 deaths and 0 billion in damage.What to do during an earthquakeDROP to the ground (before the earthquake drops you!),Take COVER by getting under a sturdy desk or table, andHOLD ON to it until the shaking stops. 2906

The Trump administration attempted to soften the blow and political pain of the longest-ever government shutdown earlier this year by continuing to issue food stamps, a move that violated federal law, the Government Accountability Office concluded Thursday.The GAO, a watchdog and non-political arm of Congress, 324

The Supreme Court said Friday it will consider whether the House and a New York prosecutor can subpoena President Donald Trump's longtime accounting firm and banks for his financial records, two monumental disputes concerning separation of powers and Trump's broad claims of immunity that will be decided in the heart of the presidential campaign. 359

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