宜昌深、浅感觉传导模型(长沙经外周中心静脉穿刺置管术（PICC）模拟训练系统) (今日更新中)

The interest rate on the 30-year fixed-rate mortgage remained near record lows in June and is likely to stay there in July.The 30-year fixed averaged 3.33% APR in the first four weeks of June, a smidgen lower than the 3.37% average APR in May and 3.36% in April. June’s rate average was the lowest in the four-year history of NerdWallet’s daily rate survey.A mission to reduce ratesMortgage rates were remarkably anchored from April through June after the Federal Reserve intervened to stabilize rates and push them down.But the Fed’s intervention hasn’t been entirely successful: Although mortgage rates have been remarkably stable, they’re stuck at a higher-than-expected level. To put it more bluntly, rates should be lower.Since March, the central bank has bought billions of dollars’ worth of Treasurys and mortgage bonds “to sustain smooth market functioning, thereby fostering effective transmission of monetary policy to broader financial conditions,” as the Fed explained in a June 10 statement.Dissecting that short passage:The Fed is saying that its goal is to push interest rates, including mortgage rates, lower. That’s what “transmission of monetary policy to broader financial conditions” means.It’s trying to accomplish that goal by buying Treasurys and mortgage bonds to calm and stabilize those markets. Stabilizing markets is a method, not the goal.? MORE: How mortgage rates are determinedFed failed to make a bigger splashThe Fed has succeeded in calming the waters. That’s why there were ripples, not waves, in fixed mortgage rates from April through June. But it has only partially succeeded in its goal to push interest rates lower. For the Fed to declare victory in “fostering effective transmission of monetary policy to broader financial conditions,” mortgage rates would have to fall another half a percentage point or so.With its intervention, the Fed decreased Treasury yields and mortgage rates. But the results are unequal: Since January, the 10-year Treasury yield has fallen a little over one percentage point, while the 30-year mortgage has fallen about half a percentage point. Normally, the two would fall roughly the same amount.Rates slow to sync with TreasurysWhy haven’t mortgage rates fallen further? You might guess that lenders are keeping rates elevated to offset the risk of mortgages going into default during the COVID-19 recession. But mortgage rates tend to fall during recessions.? MORE: What COVID-19 means for mortgage ratesMaybe mortgage servicers, the companies that collect monthly payments and work with past-due borrowers, want to be paid for the increased risk they bear, and it’s translating to higher rates. Maybe an undetected economic force keeps a floor on mortgage rates, preventing the 30-year fixed from falling below 3% and lingering there.A more plausible theory is that mortgage rates will follow historical patterns and shamble lower until they’ve fallen roughly the same as Treasury yields. That’s the conclusion that Bill Emmons, economist for the Federal Reserve Bank of St. Louis, makes in a paper titled “Why Haven’t Mortgage Rates Fallen Further?”Using history as a guide, Emmons writes, “we would expect a further decline in mortgage rates of perhaps 0.5 percentage points.” If he’s right, mortgage rates might drop in July.Don’t count on it, though. Not after these two months of stability; rates might continue to tread water.More From NerdWalletCompare current mortgage ratesHow much home can I afford?Buying or selling a home during the pandemicHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 3623

The Mountain West Conference became the second conference from college football’s top division to postpone the 2020 football season citing coronavirus concerns on Monday.As part of its announcement, the Mountain West also announced that all fall sports will be postponed.Curt Apsey, the director of athletics at perennial Mountain West power Boise State, supported the decision. "Despite everything that has been thrown in their way over the last several months, our student-athletes, coaches and staff had been preparing for a 2020 season," Apsey said. "They were ready for every possible uncertainty, but in the end, the physical and mental well-being of student-athletes across the conference necessitated today’s announcement."On Saturday, the Mid-American Conference became the first NCAA Football Bowl Subdivision league to postpone the 2020 season. The two conferences are among 10 that comprise the FBS.Meanwhile, leaders from what is known as the Power 5, which are the Big 12, Big 10, Pac-12, SEC and ACC, have been discussing the upcoming season. The potential of postponing the season has prompted a number of top players and coaches to push for universities to allow play this fall, despite concerns over the coronavirus.Most Power 5 conference teams previously announced the suspension of nonconference games in lieu of playing a conference-only schedule. 1377

The last man authorities were seeking in the killing of rapper XXXTentacion surrendered at his lawyer's office, Broward County authorities said Tuesday evening.Trayvon Newsome was booked in the Broward County Jail on charges of first-degree murder and robbery with a deadly weapon. CNN could not immediately learn the name of his attorney.XXXTentacion, whose given name was Jahseh Onfroy, was gunned down June 18 in an apparent robbery as he left a motorsports store in Deerfield Beach, Florida. 503

The latest release of documents related to the mass shooting on Oct. 1 contain a mixture of reports by police officers and witness statements.One of the reports contained in the release on Wednesday appears to be an interview with country singer Jason Aldean, who was performing when Stephen Paddock opened fire on music lovers at the Route 91 Harvest Festival.According to the statement, the person making the statement instructed officers to take himself, his bodyguard and pregnant wife to the airport. He then told the officer that he was on stage playing when he heard the first few pops. He said he was confused like everyone was and looked around, but didn't see anything out of the ordinary.  The next large barrage of fire he said was so loud to him that it sounded as if someone was right next to the stage firing shots. The person making the statement then said he could see people in the audience dropping to the ground in "waves."  Someone backstage yelled out that it was gunfire and for him to get down. That's when he ran off the stage and went to protect his pregnant wife who was inside the tour bus that protected the perimeter until he was evacuated.The documents included what appears to be a written statement from Aldean."I was onstage singing and thought I heard fireworks. I turned to look at my monitor guy and saw my personal security guard running toward me and telling me to evacuate the stage. At that point, we layed (sic) on the stage and hid until we could get on my bus. We then stayed in the back of the bus for a few hours until police escorted us away." Another report appeared to be an interview with Dee Jay Silver, who had performed at the festival around 9 p.m. ahead of Aldean. After the shooting began, he was hiding in a tour bus. Silver then received a text asking what floor his 1-year-old son was on.The baby was sleeping down the hall on the 32nd floor -- the floor where shooter Stephen Paddock was located. That's when Silver found out the floor had been evacuated. Silver was taken to multiple places before he ended up at the Thomas & Mack. He eventually received a text that his son was at Town Square. After he was reunited with him Silver told police, "I just held him and held him and held him." Police also asked Silver if he had noticed any suspicious, staying on the same floor as the shooter. Silver did not recall seeing Paddock or speaking to him. But he also didn't see housekeeping during that time. Silver was moved to Delano after the shooting. A bike officer with Mandalay Bay described how he was headed towards the festival grounds when he heard that a Mandalay Bay officer was hit and decided to turn around.He commandeered an elevator, picked up an engineer, and headed to the 32nd floor.When he got there, he heard automatic gunfire coming from the end of the hall. According to the bike officer, that is when Jesus Campos came running towards him when the shooting paused. The bike officer says he inspected the wound and decided it didn't look very severe.Everything was kind of a blur after that but the bike officer said he helped police officers clear the rooms.One police officer who was at the scene describes how he and other police officers took cover behind a police car during the shooting. The officer says that multiple rounds hit the car and the rear window was shot out. One of the officers began yelling that he was hit and said he could not move his arm. Another officer grabbed the wounded officer and they left to seek medical attention.According to statement by several police officers, there was a lot of commotion and confusion the night of the shooting at several properties located near Mandalay Bay.Calls were received from Circus Circus, Tropicana, Bellagio, New York-New York and the Bellagio hotel-casino.In each case, police officers were unable to find another shooter. However, they did discover that the possible shooter at the Bellagio was actually the vice president of security. It appears that the VP decided to put on a tactical vest and arm himself and protect Bellagio if necessary.Many reports from officers describe how they were off duty at the time of the shooting but "self dispatched" when they began to hear what was happening. Several officers headed towards the Route 91 festival grounds while others headed to hospitals where victims were being assisted or even took it upon themselves to assist with traffic control. 4520

The NBA season is set to resume next week in Orlando, Florida, and the league’s court is ready for the resumption of play.On Tuesday, the NBA unveiled a court painted with “Black Lives Matter” at center court in front of the scorers’ table. Fans will get to watch the courts put to use beginning tomorrow as teams will hold scrimmages on the court.Twenty-two of the league’s 30 teams will conclude the season in Orlando after a four-month hiatus.During the league’s coronavirus hiatus, the country has faced unrest following the death of George Floyd while in police custody on Memorial Day. Since then, the league and its players said they'll work on ways to spotlight social justice.“Our platform in Orlando presents a unique opportunity to extend the ongoing fight against systemic racism and police brutality in this country,” NBPA Executive Director Michele Roberts. “We will continue to work with our players and the League to develop specific plans in Orlando as well as long-term initiatives to bring about real change on these issues.” 1052

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