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Businesses may be reopening, but they're still struggling to pay their rent.About 40% of major retailers didn't pay their rent in May, according to numbers from data firm Datex Property Solutions.Some companies are warning they won't be able to pay rent for months. Starbucks for example is asking for landlords to adjust lease terms and rent for at least 12 months.It's an even worse situation for some small businesses.“I would think landlords ordinarily are not that sympathetic, right, because they can get somebody else to pay the bill,” said Jack Strauss, an economics expert and professor at the University of Denver. “In this case, a landlord is foolish to ignore the struggling small business.”Strauss says it will be difficult for landlords to find a new tenant quickly, so they have an incentive to delay or partially reduce rent.Businesses in malls are getting hit especially hard. The country's latest mall owner recently sued Gap over three months of unpaid rent.“Being sued kind of makes sense by the landlord to take a heavy hand, but at the same time, it doesn't make sense because they're going to have a lot of, they're potentially going to have a lot of empty spaces,” said Strauss.Punchbowl Social, a national restaurant and entertainment spot just closed one location in the Denver area and one in the Chicago area, acknowledging that landlords are trying to ensure the success of their business.But the CEO says, "landlords cannot expect to maintain status quo economic terms that were negotiated in pre-pandemic times."Strauss agrees with that. He thinks landlords should provide one-year temporary rent reductions to businesses, just like many workers are taking pay reductions right now.He says after a year, the landlords and businesses can renegotiate their rent. 1799

CAMBRIDGE, Mass. – The U.S. government will pay Moderna Inc. up to .525 billion to secure 100 million doses of the company’s COVID-19 vaccine candidate.The U.S. Department of Health and Human Services (HHS) and Department of Defense (DoD) made the announcement Tuesday.HHS says Moderna will manufacture the vaccine doses while clinical trials are still underway to expedite the traditional development timeline and get vaccines to the public as soon as possible.The Trump administration hopes to deliver the vaccines by the end of the year, so long as the U.S. Food and Drug Administration (FDA) authorizes their use.“In creating a vaccine portfolio for Operation Warp Speed, the Trump Administration is increasing the likelihood that the United States will have at least one safe, effective vaccine by 2021,” said HHS Secretary Alex Azar. “Today’s investment represents the next step in supporting this vaccine candidate all the way from early development by Moderna and the National Institutes of Health, through clinical trials, and now large-scale manufacturing, with the potential to bring hundreds of millions of safe and effective doses to the American people.”HHS says the vaccine doses will be delivered to government-designated locations across the country and the U.S. could acquire up to an additional 400 million doses of the vaccine.If viable, the vaccines would be available to the American people at no cost, according to HHS. Healthcare professionals could charge for the cost of administering the vaccine, though.The vaccine, called mRNA-1273, has been co-developed by Moderna and scientists from the National Institute of Allergy and Infectious Diseases (NIAID), part of the National Institutes of Health. The third phase of the vaccine trial, which began July 27, is the first government-funded Phase 3 clinical trial for a COVID-19 vaccine in the nation, according to HHS.“We appreciate the confidence of the U.S. government in our mRNA vaccine platform and the continued support,” said Stéphane Bancel, Moderna’s Chief Executive Officer. “We are advancing the clinical development of mRNA-1273 with the ongoing Phase 3 study being conducted in collaboration with NIAID and BARDA. In parallel, we are scaling up our manufacturing capability with our strategic partners, Lonza, Catalent and Rovi, to address this global health emergency with a safe and effective vaccine.” 2402

CHARLOTTE, N.C. – It’s a job balancing life and death and a position of power in our community. It’s a duty often costing more than a person can earn. But for so many police officers across the country, the call to serve overshadows the sacrifice.Charlotte-Mecklenburg Police Sergeant Donnie Penix has blue blood running through his veins. He started in 1997 as a patrol officer and has since served on the SWAT team, as a detective, and is now a sergeant in the Airport Division. He even served alongside his wife and his father who were fellow officers at CMPD for years themselves.For Sgt. Penix, his career is something he’s proud of, but it has also brought him a lot of pain.“There's been some moments across my career that both physically, mentally and emotionally impacted me, and I carry that with me to this day,” said Sgt. Penix.The job became even tougher after an officer involved shooting in 2016.“It was kind of the straw that broke the camel's back,” said Sgt. Penix.The sergeant and his officers were tracking a man wanted for murder in January of 2016. When that suspect shot at officers, Penix and his team responded with deadly force.“It was the worst of the worst,” said Penix. “A night where one of mine was injured, we've taken a life, and it was the most traumatic experience I've ever been in as a police officer. It's not what you signed up to do. We signed up to help people.”After that night, Penix went back to his usual shift feeling anything but normal.“It unleashed a lot of emotion for me and sent me spiraling down a really, really dark place. Every day I relived that experience over and over again, and I became so reclusive and I just internalized everything,” he said of his emotional reaction.The pain became so overwhelming he almost quit his job.“I set my gun and badge on my table at home, and I said, ‘I'm done.’ But I made a commitment to this profession and commitment to the people that I work with and work for to see it out,” he said.So, he did something he’d never done before. Sgt. Penix reached out for help.“We have that armor up where we're supposed to be the ones that help people, but we rarely ask for help for ourselves,” he said. “Once I made that decision to do that, it was hands on the best thing I've ever done in my life. And that's why I'm able to still function day and had a successful career.”The help he got was unique to this department. The Charlotte-Mecklenburg Police Department has an on-staff psychologist to help officers process what they experience and build up their mental health resiliency before negative experiences on the job.Dr. David Robert Englert, the staff psychologist for CMPD will begin helping recruits on the second day of the police academy. He said it’s about opening the door for tough conversations, so the officers will know it’s okay to ask for help anytime in their career.“Why don't we come up with a program in which we try to make people more resilient before bad things happen?” asked Dr. Englert. “Bad things are going to happen. When they do, the person, the individual, and their family will be more resilient, more able to recover quickly from that event.”Englert said this resource is critical for officers who can and will suffer physical and mental impacts from their work.“When you kick into high gear, the blood flows to your arms and legs and it flows away from your digestive track, and so it messes up with your digestion, your body's not healing itself,” said Englert of high-intensity police work. “You're not feeling rested. It really does potentially take years off a person's life.”But this is not just for officers. The 911 dispatchers, clerks and the entire staff of CMPD is exposed to trauma. Dr. Englert is there to assist them too.“From the moment they sit down to the moment they leave, it's high impact all day every day. Some kind of tragedy,” said Englert of the 911 dispatchers. “My crime scene technicians are going to go and see dead bodies almost every day, if not every day.We want to make sure that everyone here is taken care of and has resources.”Going on patrol and responding to calls is just a small part of the stress officers face every day and talking about those traumas is just the beginning of the resources this department offers.“For 72% of police officers in the country, the number one stressor was finances, and so, one of the first things that we did here was brought in a financial counselor to meet one on one with people and their spouses to help them come up with a financial plan,” said Dr. Englert. “Whether they had thousands of the bank or they’re thousands in debt.”To further assist officers and staff with finances, the department holds seminars for financial planning.“We have small group debt reduction classes. Nine, one-hour classes where they can sit together, work together as groups to get themselves out of debt,” he said.The department also has peer support groups so officers know they can rely on each other for help.“We also developed the officer involved shooting peer support, and so when an officer unfortunately has to take life or fire the weapon, they're assigned one of these folks who's been in this situation in the past,” said Englert.Deputy Chief Cherie E. Pearsall said normalizing this focus on mental health is paving the way for a new kind of officer.“You don't want to send broken people to handle broken situations,” she said. “We find funding for ammunition, we find funding for tactical vests to protect our officers, but we then have to do a good job of advocating for funding to protect their head and their heart.”Pearsall believes this program could be a model for other departments across the country and hopes this will help mend the broken relationship between police officers and the public.“They are human, and they may have had some of the same issues at home before they came to work there did come in to assist you with. And so, if there's a mutual respect and mutual understanding, then I think all of our situations will turn out ending with a human reaction in the positive direction that we wanted it to end in,” said the deputy chief.Sgt. Penix hopes the work he’s done for his own mental health shows the community there are officers out there fighting to truly protect and serve.“We're putting ourselves out there to say it's okay. It's okay to have those emotions, it's okay to hurt. It’s okay to ask for help. We're not invulnerable. We’re human just like anyone else. We can't do our job to the best of our abilities if we're not well inside,” said Penix. 6580

CHARLOTTE, N.C. (AP) — JPMorgan Chase says it will extend billions in loans to Black and Latino homebuyers and small business owners in an expanded effort toward fixing what the bank calls “systemic racism” in the country’s economic system. The bank said it is committing billion over the next five years toward programs that include earmarking more money for getting Black and Latino families into homeownership and providing additional financing to build affordable rental housing units. The bank said it expects the billion to help finance 40,000 additional mortgages for Black and Latino households, another 20,000 loans that will refinance mortgages and help construct 100,000 affordable rental units. 722

Capping days of commemorations of her extraordinary life, Supreme Court Justice Ruth Bader Ginsburg becomes the first woman in American history to lie in state in the U.S. Capitol.Ginsburg, who died last week at age 87, also will be the first Jewish-American to lie in state and just the second Supreme Court justice. The first, Chief Justice William Howard Taft, also had been president.Ginsburg’s casket will be brought to the Capitol Friday morning for a private ceremony in Statuary Hall attended by her family and lawmakers, and with musical selections from one of Ginsburg’s favorite opera singers, mezzo-soprano Denyce Graves. Democratic presidential nominee Joe Biden and his wife, Jill, planned to attend.Members of the House and Senate who are not invited to the ceremony because of space limitations imposed by the coronavirus pandemic will be able to pay their respects before a motorcade carrying Ginsburg’s casket departs the Capitol early afternoon.The honor of lying in state has been accorded fewer than three dozen times, mostly to presidents, vice presidents and members of Congress. Rep. John Lewis, the civil rights icon, was the last person to lie in state following his death in July. Henry Clay, the Kentucky lawmaker who served as Speaker of the House and also was a senator, was the first in 1852. Rosa Parks — a private citizen, not a government official — is the only woman who has lain in honor at the Capitol.Ginsburg has lain in repose for two days at the Supreme Court, where thousands of people paid their respects, including President Donald Trump and first lady Melania Trump on Thursday. Spectators booed and chanted “vote him out” as the president, who wore a mask, stood silently near Ginsburg’s casket at the top of the court’s front steps.Trump plans to announce his nomination Saturday of a woman to take Ginsburg’s place on the high court, where she served for 27 years and was the leader of the liberal justices.Ginsburg, the second woman to serve on the Supreme Court, will be buried next week in Arlington National Cemetery beside her husband, Martin, who died in 2010. 2122