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As states across the country grapple with an increase in coronavirus cases and a huge demand for tests, many businesses are looking for other ways to get more mileage out of their supply chain.Like with anything else, supply and demand is a constant struggle. In this unprecedented era, the demand for things like coronavirus tests is so large that public health departments don't have a choice but to figure out ways to make our supplies last. Several states are examining pooled testing. California's Public Health Department says it's to "better leverage testing resources."Pooling is something that blood banks have used for decades to keep their blood supply safe. Dr. Claudia Cohn is the Chief Medical Officer of the AABB, formerly known as the American Association of Blood Banks.“If you have 100 people that need to be tested and if you test each of them, you’ll do 100 tests. If you find that your test is sensitive enough that you can pool together 20 samples at the same time, instead of having 100 tests, you can have five pools of 20,” Dr. Cohn said.Now, if one of those five pools is positive, then Dr. Cohn says, "You’ll need to break it out and test each of those separately. So, let’s say you have one positive person in a pool of 100 people, you either do 100 tests and find one positive or you do five pools of 20, four of those pools will be negative, so you’ve done 4 pools and covered 80 people."The test works by taking a tiny sample from each person who was tested.“When you take a swab from everyone’s nose, you isolate the DNA from that swab,” Dr. Cohn said about the PCR test, which is generally a nose swab. “It’s not a lot, it’s a small amount but it’s enough. Because these tests are very, very sensitive.”Those tests are so sensitive, and they have to be, that pooling can really only work if the test can handle, as in detect, multiple samples at once. The FDA mandates that.“The FDA is quite demanding as they should be in terms of making sure tests work well and are safe,” Dr. Cohn said.And Dr. Cohn says, pooling wouldn't work in an area where there's a large outbreak, which means a large number of people would test positive regardless of pooling. In the blood world, this strategy has been perfected.“You are taking 100 samples and taking a drop from each sample and putting it together,” Dr. Cohn said. “You are testing every single person who comes through. In the blood world safety is before everything."Blood banks test for HIV, Hepatitis C and B and well as COVID-19 antibodies, according to the American Red Cross. And, as this pandemic moves through our communities, Dr. Cohn says our blood supply needs to remain strong.“After that initial spike, it went down again and that was okay because elective surgery had been canceled, so the demand for blood had gone down as well so for a while we were at a good balance of demand and supply. But then elective surgeries opened up and hospitals went back to full service and we’re in a shortage again,” Dr. Cohn said. 3017

At least one person is dead and hundreds of thousands of homes are without power as Hurricane Michael moves inland from Florida to Georgia.Michael made landfall Wednesday around 2 p.m. ET as a Category 4 storm near Mexico Beach, Florida. The strongest storm to hit the continental US since Hurricane Andrew in 1992, Michael dashed homes into pieces, swallowed marinas and left piles of rubble where shopping centers once stood.Now a Category?1 storm with winds up to 75 mph, the storm is moving across southwestern Georgia about about 17 mph near Albany. Meanwhile, flooding continues along the Gulf Coast, where downed trees and utility polls are making precarious rescue efforts even harder. 721

Attending college from a laptop in your childhood bedroom might not be the experience you had in mind.But just because you’re not living in a dorm this fall doesn’t mean that expenses disappear. Your cost of attendance might have changed if you’re learning remotely due to COVID-19, but colleges will factor at-home or off-campus living expenses into your overall costs.And you can still use financial aid — including student loans — to pay for them.How cost of attendance worksColleges determine their own cost of attendance for each academic year. This amount factors in all of your direct costs including tuition, fees, room and board, as well as estimates for books, supplies, technology and transportation. Schools often have different cost-of-attendance calculations for students who live in dorms, off campus or even in another state.Your financial aid and student loans are applied first toward tuition and fees, then room and board. Any remaining funds are distributed to you to use for living expenses.Your aid package might shift if your cost of attendance changes.For example, you can borrow money only up to the total cost of attendance; if that number goes down, so does the amount you can borrow. And if any part of your aid package is pegged to living on campus and you no longer are, your aid could change.How cost of attendance is different this yearCost of attendance is adjusted annually, but some schools are modifying their calculations due to the pandemic. For example, Williams College, a private school in Williamstown, Massachusetts, reduced its cost of attendance for 2020-21 by 15%. Williams College is planning a hybrid of in-person and remote learning — students can live on campus if they want to.Schools that go fully remote will have few — or no — options for on-campus housing. And that could mean heading back to your parents’ house or finding off-campus accommodations.Your school might break down the cost of attendance according to your living situation. Here’s what 2020-21 looks like at the University of California, Berkeley, for example, where students will attend remotely for the start of the fall semester:Living in a campus residence hall: ,460.Living in an on-campus apartment: ,876.Living in an off-campus apartment: ,920.Living with relatives: ,492.If your school goes remote, the cost of attendance will be modified for all students. But if you have the choice to return to campus and stay home instead, you must let the college know your plans so your cost is adjusted.“It’s actually less expensive if students stay home and take classes remotely,” says William Hudson Jr., vice president for student affairs at Florida A&M University in Tallahassee, which is planning a hybrid approach.Cost of attendance represents the ceiling on what you can borrow. Every dollar you don’t have to borrow is a dollar you don’t have to repay, with interest, down the road. That means if you stay home rent-free or share an apartment with others to save on living costs, you’re way ahead in the long run.Here are some possible college living arrangements you’ll have in the fall and how to pay for them:Living on campus for in-person or online classesIf your school is operating an in-person or hybrid model where you live on campus, your cost of attendance won’t change, which means your financial aid won’t change either.But your campus could close during the school year due to COVID-19. If this happens, as it did to many colleges last spring, your school will likely reimburse a prorated amount for nontuition costs like room, board and facility fees.Multiple schools that are planning to open in person are also moving to remote instruction after Thanksgiving break. Some schools are also staggering move-in dates. Those factors could alter the total cost of room and board you’re paying this semester.For example, at Penn State University, students will start the fall semester in person but switch to remote learning in late November. To reflect this change, the cost of a standard double room was lowered by 7 — from ,427 to ,820 — and the midlevel meal plan was lowered from ,449 to ,193.Living off campus on your own or with roommatesLiving off campus, you won’t have room and board taken into consideration, but you’ll have additional expenses like rent, groceries and utilities. You can use financial aid to pay these bills.Colleges often use regional data and student surveys to come up with estimates for off-campus rent and utilities, and oftentimes those amounts aren’t too different from living on campus, says Jill Desjean, policy analyst at the National Association of Student Financial Aid Administrators. However, your school will always consider living off campus to be cheaper than living on campus.Montclair State University in New Jersey, for example, estimates that housing and meals for in-state students who live off campus will cost ,068 for the fall semester, compared with ,193 for room and board on campus.Living at home with your parentsYour expenses may be lower at home with your parents than living on your own or on campus, but colleges will factor into their estimates the costs your parents take on by having you home, Desjean says.“When you bring that student back in, the lights are on longer, you have to feed them so the cost of food goes up, heating — everything goes up,” Desjean says. You can use financial aid to offset your contribution to increased home bills.And remember that the school’s cost of attendance impacts how much financial aid you can get, but it’s an estimate rather than an exhaustive list. You might need additional technology and equipment to learn more effectively from home, such as a dedicated desk setup and laptop if you don’t have one.How to get more funds for living expensesIf you or your family run into financial difficulty during the school year, ask your school about getting more financial aid. This requires you to submit a financial aid appeal to your school with a letter and to update the Free Application for Federal Student Aid, or FAFSA.You might also qualify for emergency aid such as cash grants, completion scholarships, emergency student loans or vouchers.More From NerdWalletWhat Is College Cost of Attendance?7 Kinds of COVID-19 Relief for College StudentsCollege During COVID-19: Your Aid Questions AnsweredAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6470

Bad actors online are gearing up for the election.Experts with the cyber security company Check Point are warning that before, during and after Election Day, you could see clever campaigns to cast doubt on accuracy and results of the election.“You know, in contrast to previous elections, where it's been about very targeted looking to gain access to things, we really think from what we've seen from a research perspective is that it will be a larger attempt to create disruption versus anything else,” said Mark Ostrowski with Check Point.The software company is warning of a flood of memes on social media. They say the goal is to get so many going and people sharing them that algorithms and admins won’t be able to keep up with taking them down.The goal is to spread false information or create disruption.Check Point is sounding the alarm so people can educate themselves and not spread these.“We even have some of our researchers and instant response folks have even seen some evidence or some type of reliable information where regardless of who wins, there are certain mean themes that are going to be saying, hey, this, this is who the victor is regardless of what the actual results are to again to create this indecision To create this division,” said Ostrowski.Obviously, you can simply report an image on any social media site and only share credible sources on election information. 1405

At first glance, you may not notice what's different about this box of cereal. Maybe it's just one of those special editions that's in stores for a short time. But if you take a closer look you might ask, what's up with that?When Naomi Frierson walked into her local Walmart and down the aisle, her focus was getting her mom a box of her favorite cereal."I just picked it up and I kind of looked at it," Frierson said. "And I figured it was one of those special edition type of boxes. ... I didn't think much of it."But when she got home, her husband noticed."We proceed to look at it further and realize that not only are there mugshots but they're serial killers," Frierson said. "Not the C-E-R-E-A-L kind unfortunately."The box of "Life" cereal is covered with people synonymous with death. Larry, the Quaker Oats mascot is Jeffrey Dahmer. And instead of being made with 20 whole grains, it's made with 20 whole brains."And then on the nutrition panel you've got stuff like instead of cholesterol it says chloroform," Frierson said. "Down here it says cyanide."Frierson said she was creeped out, but her husband loved it."He immediately recognized all of the different players in the game," Frierson said. "And he thought it was just the coolest thing ever and assured me that it must be art."He was right. The box was a class project made by Lauren Miller, a senior art student at the University of South Florida."I kind of just wanted it to blend in with everything else," Miller said. "I took a bunch of pictures that I found online of serial killers and I used Photoshop to add them to the Life cereal box. I just thought it would be interesting to use Life cereals since these people did take away lives."Miller has a large version of the box in her studio but wanted to see how people reacted to this smaller version in the community.Frierson said, "I had people on my personal Facebook when I posted that thing like, 'Oh my gosh I need to have that. How can I get one? Are there more?'"Frierson said she's keeping this box, and Miller is exploring creating more to sell.Miller said she left a note on the box saying it was art and had already been paid for. But for Frierson, the initial jitters and overall experience was well worth the price."I think (it was) three dollars well spent for an interesting piece of art," Frierson said.A creepy class project, taking on a life of its own."I would say a solid 'A' so if you didn't get an 'A' I'll call your professor," Frierson said. 2539

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