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The opioid crisis cost the U.S. economy 1 billion from 2015 through last year ¡ª and it may keep getting more expensive, according to a study released Tuesday by the Society of Actuaries.The biggest driver of the cost over the four-year period is unrealized lifetime earnings of those who died from the drugs, followed by health care costs.While more than 2,000 state and local governments have sued the drug industry over the crisis, the report released Tuesday finds that governments bear less than one-third of the financial costs. The rest of it affects individuals and the private sector.The federal government is tracking how many lives are lost to the opioid crisis (more than 400,000 Americans since 2000), but pinning down the financial cost is less certain.A U.S. Centers for Disease Control and Prevention report from found the cost for 2013 at billion. That¡¯s less than half the cost that the latest report has found in more recent years. The crisis also has deepened since 2013, with fentanyl and other strong synthetic opioids contributing to a higher number of deaths. Overall, opioid-related death numbers rose through 2017 before leveling off last year at about 47,000.A study published in 2017 by the White House Council of Economic Advisers estimated a far higher cost ¡ª just over 0 billion a year. The new study notes that the White House one used much higher figures for the value of lives lost to opioids ¡ª attempting to quantify their economic value rather than just future income.The actuaries¡¯ report is intended partly to help the insurance industry figure out how to factor opioid use disorder into policy pricing.It found that the cost of the opioid crisis this year is likely to be between 1 billion and 4 billion. Even under the most optimistic scenario, the cost would be higher than it was in 2017.The study was released just ahead of the first federal trial on the opioid crisis, scheduled to start next week in Cleveland where a jury will hear claims from Ohio¡¯s Cuyahoga and Summit counties against six companies. The counties claim the drug industry created a public nuisance and should pay.The report found that criminal justice and child-welfare system costs have been pushed up by the opioid epidemic.Most of the added health care costs for dealing with opioid addiction and overdoses were borne by Medicaid, Medicare and other government programs, according to the report. Still, the crisis rang up billion in commercial insurance costs last year. Lost productivity costs added another billion.Businesses have begun noticing. Last week, a small West Virginia home improvement company, Al Marino Inc., filed a class-action lawsuit against several companies, claiming the opioid crisis was a reason its health insurance costs were skyrocketing.Still, the biggest cost burden fell on families due to lost earnings of those who died. Those mortality costs alone came to more than billion last year, the report said.Members of a committee representing unsecured creditors helping guide opioid maker Purdue Pharma¡¯s bankruptcy process have been calling for money in any settlement to go toward to people affected by the crisis and not just governments. 3225

The billionaires behind many of France's top luxury brands have pledged €300 million (9 million) to help reconstruct Paris' Notre Dame cathedral following a devastating fire.LVMH Group ( 201

The Chicago Cubs have banned a fan indefinitely from Wrigley Field after he was seen on camera making an offensive hand gesture at a game this week.On Tuesday night's Cubs broadcast on NBC Sports Chicago, a fan was seen behind analyst Doug Glanville, a former MLB player who is black, giving a hand gesture that has been known as a white power sign.Crane Kenney, the Cubs' president of business operations, said in a statement after the game that the organization would investigate "because no one should be subjected to this type of offensive behavior.""An individual seated behind Mr. Glanville used what appears to be an offensive hand gesture that is associated with racism," the statement said. "Such ignorant and repulsive behavior is not tolerated at Wrigley Field."On Wednesday, Kenney said the fan violated the organization's guest code of conduct."As a result, after repeated attempts to reach this individual by phone, we sent a letter to the individual notifying him of our findings and our decision that, effectively immediately, he will not be permitted on the grounds of Wrigley Field or other ticketed areas indefinitely," Kenney said in a statement."We further communicated if he attempts to enter Wrigley Field or other ticketed areas he may be subject to prosecution for criminal trespass to property."The Cubs are not disclosing the name of the individual to the general public.The-CNN-Wire? & ? 2019 Cable News Network, Inc., a Time Warner Company. All rights reserved. 1506

The Michigan attorney general's department sent a cease and desist letter to Menards after receiving multiple complaints about price-gouging.Dana Nessel says that her office received 18 complaints from consumers about face masks, bleach and other products being sold at high prices.The AG's office says that investigators have found that Menards allegedly "appears to be exploiting public fear about coronavirus" by raising prices.Nessel says investigators reportedly discovered that last week, the store allegedly doubled the price of cleaning products like bleach and significantly raised the price of face masks while tying their purchase to an in-store rebate.The AG's office began receiving complaints about Menards last week. ¡°Big box stores are not immune to the Michigan Consumer Protection Act or the Governor¡¯s Executive Order,¡± Nessel said in a press release. ¡°Large corporations must also play by the rules, and my office will work diligently to ensure this state¡¯s consumers are treated fairly and not abused by businesses seeking to unlawfully jack prices up to line their pockets with profits at the expense of the public during this time of great need.¡±Menards will have 10 days to respond to the cease and desist letter, or the AG's office could potentially take legal action. 1305

The end of Christmas season signals the start of return season, when Americans take their gifts back to shopping malls and online retailers in pursuit of different sizes, different colors or full-blown refunds. The good news is that stores have loosened return policies in recent years. Many allow customers 30 days after Christmas to make a return. However, some consumers are already finding their returns rejected. Typically, this happens for one of three reasons.Short window for electronicsMany shoppers believe a 30 day return window is standard.However, Apple and Best Buy are two major retailers that have 626

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