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Americans are calling out practices at some car lots more now than ever before.“We found a pattern of abusive and deceptive practices that the auto loan industry has been employing and unfortunately these complaints have sharply increased during the pandemic,” said Lucy Baker, Consumer Program Associate at U.S. Public Interest Research Group (PIRG).Looking at the Consumer Financial Protection Bureau's consumer complaint database, the U.S. PIRG found between March and July, there were more than 2,800 auto loan and lease complaints. That's more than any other 5-month period.This includes complaints like not getting auto loan relief, which the CARES Act didn't specify, but some lenders offered to work with customers. Also, complaints about broken payment systems that led to late fees, and issues with loan terms changing or yo-yo financing.“You go into a dealership, you buy a car you sign on the dotted line, but as your driving away, you get a phone call from your dealer that says, ‘hey the financing has fallen through, I’m going to take your car back unless you agree to pay more or pay a higher interest rate,’” said Baker.There were complaints about harassment over repossession and debt, as well as expensive add-ons like warranties, insurance, and service plans.High pressure tactics were another problem.“If you put somebody in a room for a long period of time, they're going to be so frustrated that they are going to want to get out of there and then you can pressure them into buying these things they don’t need,” said Baker.U.S. PIRG is pushing policymakers for auto loan relief programs, banning repossession, debt collection and negative credit reporting.It also has some recommendations for customers: Don't roll an old auto loan into a new loan, avoid buy here – pay here lots, and don’t get focused on low monthly payments. Instead, compare the total cost of the loan including interest paid.Officials also suggest filing complaints with the Consumer Financial Protection Bureau. It creates pressure on lenders to make things right. 2068
As Comet Halley leaves behind debris, it should be visible to those looking up in the sky Friday and Saturday nights.That debris is called the Orionid meteors and it is left in the comet's wake. The debris strikes the Earth's atmosphere most fully around Oct. 20-22, according to EarthSky.org.Comet Halley is nowhere near Earth, but our globe is intersecting with the comet's orbit.The Orionid meteor shower is expected to be most visible Sunday morning after the moon sets and before the sun rises."... On the peak morning, a bright waxing gibbous moon will set only shortly before twilight begins. You’ll have only a brief window for meteor-watching at the peak, maybe an hour or two," EarthSky.org reports. 732
An online petition is calling on President Trump or Congress to close down Fort Hood.The petition on change.org says the military post should be shut down due to its handling of the case of Pfc. Vanessa Guillen.The 20-year-old soldier disappeared from post on April 22. Human remains believed to belong to her were found Tuesday in an area near the Leon River in Little River Academy.Before her disappearance, Pfc. Guillen told friends and family she was being sexually harassed by her superior. An investigation has been started into those allegations.One suspect in her disappearance died by suicide as officers attempted to make contact. Another suspect, a civilian and estranged wife of a former Fort Hood soldier, has been arrested and is currently in the Bell County jail.The petition says Fort Hood failed her and "let her die when they claim, 'No soldier left behind.'"As of publication, the petition has 260,000 signatures. This story originally reported by Sydney Isenberg on kxxv.com. 1003
An apple and an honest mistake have saddled one Delta passenger with a 0 fine and a big bureaucratic headache.Crystal Tadlock got off a plane last week in Minneapolis after an 8?-hour flight from Paris. She was supposed to catch a connecting flight home to Denver, so she decided to save an apple she had been given as part of the in-flight meal service."I put it in my bag, not thinking anything of it," Tadlock told CNN.But before her next flight she had to go through customs, where she was stopped by a Customs and Border Protection Agent. 554
As COVID-19 first started to spread in the U.S., hospitals around the country were forced to stop elective surgeries. Now, hospital officials say they're facing perhaps the biggest financial crisis in their history."We've had to curtail regular operations, some of which involve these non-emergent procedures that you mention, and as a result from March to June, we saw a loss of revenue of 0 billion or billion a month," said American Hospital Association President Rick Pollack.Hospitals have also taken on major expenses when it comes to preparing and caring for COVID-19 patients. Plus, many patients they treat don't have insurance.Pollack says hospitals collectively are one of the largest employers in the country, employing more than 5 million people."Half of hospitals' budgets, over half, is devoted to labor costs. So, of course, when all regular operations are shut down and you’re incurring additional expenses to prepare for treating the virus for the community, you have to find ways to cut costs," explained Pollack.Some hospitals have resorted to laying off or furloughing staff."So, it's the last choice,” Pollack said. “It's a bad choice and we try to avoid it, but sometimes, it's inevitable to just stay afloat.”"Whether the disruptions in the health industry remain temporary or permanent is an interesting case because it affects everyone," said Jack Strauss, the Miller Chair of Applied Economics at the University of Denver.Strauss is concerned about how the healthcare industry will recover from the COVID-19 pandemic, especially amid a possible second wave of infections."They make their money on elective surgery and those were not occurring, and so, they're not probably positioned to recover," said Strauss.While a number of states are allowing elective procedures again, the wait time for these patients may be detrimental."Whether it's the detection for a tumor or a scan of a part of a body for a diagnostic procedure, a replacement of a heart valve. So, when you talk about electives, they're really not all that discretionary and we’re really concerned in the period that we shut down all non-emergent procedures that there was a deferral of care,” said Pollack. “We do hear, anecdotally, that the people that are coming back are in a much sicker position because they didn’t get the care that they needed.”Pollack says in order for the healthcare industry to recover, they're going to need a lot of help from the federal government."There's no question, if we don't get the additional assistance it will put the financial viability of a lot of hospitals at risk, particularly in rural areas and vulnerable urban areas," said Pollack.As possibly the biggest industry in the country that's been on the front lines of treating COVID-19, hospitals hope they're one of the first to get major federal help so that the healthcare industry can survive this pandemic. 2909