武汉胎儿畸形模型（8部件）(南京胸腔（背部）穿刺训练模型) (今日更新中)

The #NobelPrize committee couldn't reach Paul Milgrom to share the news that he won, so his fellow winner and neighbor Robert Wilson knocked on his door in the middle of the night. pic.twitter.com/MvhxZcgutZ— Stanford University (@Stanford) October 12, 2020 275

Students watching the COVID-19 pandemic play out have reason to be wary of taking on additional loans for college. With what could be a slow economic recovery, signing up for an additional bill that comes each month, no matter what, might sound like a bad idea.Federal student loan payments are currently paused. But those repayments are scheduled to resume next year before current students can take advantage of the halt. And while government income-based repayment plans and forbearance can offer a respite for economic hardships, interest still continues to add up. Private loans are even less forgiving and almost always require a co-signer.But there’s an alternative emerging: income share agreements, or ISAs. With these agreements, students borrow money from their school or a third-party provider and repay a fixed percentage of their future income for a predetermined amount of time after leaving school.Depending on the terms of the agreement and the student’s post-graduation salary, the total repaid could be much more or far less than the amount borrowed. It’s a gamble that could be worth it for students who’ve exhausted federal aid and scholarships. Here’s why.No co-signer requiredMost students need a co-signer to qualify for private student loans. Co-signers are on the hook for any missed payment, and a large balance can be a burden on their credit report. As families look to make ends meet, they may need that borrowing leverage for themselves.Income share agreements are co-signer-free. Instead of credit history, students typically get an ISA based on their year in school and major. The best terms are often reserved for students in high-earning majors near graduation, like seniors studying STEM fields. But high earners also risk having to repay a larger amount.If an income share agreement isn’t the right fit for you and you need additional funding without a co-signer, consider a private student loan designed for independent students. These loans are often based on your earning potential and don’t require co-signers. They may also offer flexible repayment options based on salary or career tenure.Unemployment safety netWith an income share agreement, if you’re unemployed — or if your salary falls below a certain threshold, which can be as low as ,000 or as high as ,000 — you don’t make payments. No interest accrues, and the term of your agreement doesn’t change.That makes these agreements a good option for students in times of economic uncertainty, says Ken Ruggiero, chairman and CEO of consumer finance company Goal Structured Solutions, which is the parent company of student loan providers Ascent and Skills Fund and provides funding for school-based ISAs.“I like the idea of not having to make a payment when you’re going into a recession or right after the recovery happened,” he says.If you’re a junior, senior or graduate student poised to enter the workforce soon, that could make an income share agreement more attractive. Tess Michaels, CEO of income share agreement provider Stride Funding, says she’s seen a significant increase in inquiries since the pandemic forced schools to shut down in March.But freshmen and sophomores have more time to wait out the economic fallout. If you’re further from starting your career, weigh the recession-related benefits of an income share agreement against the risk of giving up a percentage of your future income. Remember, you won’t know the total cost of an ISA when you sign up.But it’s not right for all studentsSome colleges offer income share agreements to all students regardless of major or tenure. Still, many of these programs prioritize upperclassmen, making it harder for freshmen and sophomores to qualify.But an income share agreement might be the wrong move even if you’re graduating soon. If your income is higher than average after graduation, you might pay much more than you received.Let’s say you get ,000 from a private ISA company and agree to pay 9% of your salary for five years. If you earn ,000 a year (the average starting salary for a college graduate) for the length of your term, you’ll repay ,950. That is equivalent to a 10.6% interest rate. In that case, a private student loan could be a better option. Fixed rates on private student loans are hovering around 4%, though independent students will likely pay more.And income share agreements have fewer protections for borrowers than student loans. Tariq Habash, head of investigations at the Student Borrower Protection Center, says that while consumer protection laws apply to these agreements, “ISA providers will say there isn’t really legal clarity because they’re new and different.” He said that he saw the same thing with payday loans and fears ISAs will take advantage of the most vulnerable students.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondCollege During COVID-19: Your Aid Questions AnsweredWhat to Do if There Isn’t COVID-19 Student Loan ForgivenessCecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 5166

TEXAS — A 78-year-old man has confessed to 90 killings, and investigators are saying he could be one of the most prolific serial killers in U.S. history.Samuel Little is currently being held in a Texas prison. Investigators have confirmed 34 cases so far, and the FBI said in a news release Tuesday that more are pending confirmation. The killings Little has claimed responsibility for include a black female in Cincinnati, Ohio in 1974 and a white female in Covington, Kentucky in 1984, according to the FBI. Little said he met that second victim in Columbus, Ohio and disposed of her body somewhere in Northern Kentucky. Neither of those confessions had been corroborated by law enforcement as of Nov. 15.The women Little confessed to killing turned up dead between 1970 and 2005 in states from coast to coast, according to the FBI.  863

Supreme Court Justice Ruth Bader Ginsburg has been discharged from the hospital after receiving treatment for a possible infection, according to Reuters and NBC.Ginsburg was admitted to The Johns Hopkins Hospital in Baltimore on Tuesday morning. Both NBC and Reuters report that the 87-year-old Justice is "home and doing well" after the brief hospital stay.This story is breaking and will be updated. 409

TEMPE, Ariz. — It's a huge breakthrough for the highly contagious and deadly norovirus as researchers at the Arizona State University’s Biodesign Institute have come up with a vaccine made from plants.The norovirus is known as the perfect human pathogen. It can have you feeling awful for days, but researchers at ASU say a form of the tobacco plant may be the key to a vaccine.Also known as the cruise ship illness, norovirus hits nearly 20 million Americans every year. According to Andy Diamos, a post-doctoral researcher at ASU, the average person has the stomach bug five times in their life.“Norovirus is a horrible bug to get,” said Diamos. “It causes vomiting, diarrhea, all sorts of nasty stuff.”There is no vaccine for the highly contagious bug because it's notoriously difficult to produce in a lab, until now, thanks to Diamos and Hugh Mason with the Biodesign Center.“Genetic engineering has allowed us to design systems like plants to produce useful things like vaccines,” said Diamos.By using a form of the tobacco plant, researchers discovered that a harmless bacteria would help grow a norovirus vaccine when the proper genes are transferred to the leaves.“You can basically put in whatever genes you want and transfer those to the plant, so that's how we get the plant to make the vaccine,” said Diamos.According to Diamos, real viruses are surrounded by a shell that protects its genes. The vaccine that grows inside the tobacco plant is essentially that shell without the harmful insides.“If you give that to someone as a vaccine, it looks just like the real virus, but there is nothing on the inside,” said Diamos. “It can't cause disease; it can't actually infect you.”That's what makes these plant-based vaccines safe and effective.“One of the main reasons why we're focusing on plants is because they're so cheap to work with. These vaccines will hopefully be much cheaper to produce than traditional methods,” said Diamos.Many discoveries from ASU researchers hit the market, this one could too, but it needs further study and would eventually need to be picked up by a pharmaceutical company which could take years. 2154

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