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On Monday morning, Pfizer announced that so far in Phase 3 trials, its COVID-19 vaccine candidate has been 90% effective in promoting protection against the virus. And while the announcement has many Americans seeing the light at the end of the tunnel, the pandemic is still far from over.Pfizer's announcement on Monday is an encouraging sign, as it means that the company is on track to file for Emergency Use Authorization for the vaccine in the coming weeks. It also keeps the U.S. on a timeline to have at least one vaccine approved and available for distribution by the end of 2021.But Monday's announcement does not mean a vaccine is imminent. Pfizer is currently mass-manufacturing its vaccine candidate in the event it does receive Emergency Use Authorization from the FDA, and hopes to have 100 million doses of the vaccine ready to ship by year's end. But even if Pfizer is able to fulfill that ambitious order by Dec. 31, it would only be able to vaccinate about one-third of everyone in the county.Once the initial vaccine order has been completed, it will need to be rationed for those who need it most — likely health care workers, essential employees and people in high-risk populations. While it is unclear who exactly will be eligible to receive the vaccine first, the Department of Health and Human Services (HHS) says the early distribution of a COVID-19 vaccine will be "constrained tightly" and will be "highly targeted" to "achieve coverage in priority populations."Eventually, the U.S. hopes to grant emergency use authorization to several vaccine candidates — many of which are currently in production on orders from the U.S. government. HHS hopes that by the middle of next year, several vaccines will be approved and widely available. But at that point, officials will run into a second major hurdle — vaccine skepticism.Skepticism about vaccines has been on the rise in recent years, fueled in part by the spread of misinformation online. In particular, baseless conspiracies linking vaccines to autism have spread on social media, eroding public confidence in medicine. In addition, polarized politics in the U.S. have led to speculation that government leaders will approve an unsafe or ineffective vaccine for political purposes.Vaccines are only effective if enough members of the public become inoculated against a virus — if a virus has nowhere to spread, it will eventually die out. But Gallup polling released in October shows that just 50% of Americans say they would receive a COVID-19 vaccine if it had been approved by the FDA and available at no cost — far below the threshold for herd immunity, according to many health experts.The Gallup polling is consistent with AP polling from earlier this year that also only found 50% willingness to take a COVID-19 vaccine.All the while, the final push for a COVID-19 vaccine will be occurring during what members of the White House coronavirus task force warn will be the most concerning and deadly period of the pandemic. The virus is currently spreading in the U.S. faster than it has at any other point during the pandemic, just as Americans are moving social gatherings indoors where the virus is more likely to spread.To be clear, health officials' efforts to develop a safe and effective COVID-19 is a momentous and historic achievement — approving a vaccine for emergency use by the end of the year would shatter all previous records for vaccine development. But while there may be light at the end of the tunnel, it may take several months — or years — to reach the end of the pandemic. 3586

Not many people are wearing formal clothes to work, as a lot of people are still working from home. With not many businesses enforcing a dress code at home, the company Coupon Follow decided to see just how casual people were getting. "For this survey we actually surveyed over 1,000 people that had previously been sitting in an office almost every day working and now, of course, are no longer working at the office. They're all working from home. And it was a broad range of ages from 30s to 70s from all over the country and from a wide range of industries," said Michael Parrish DuDell, Coupon Follow's Chief Strategy Officer.DuDell says the idea was to get a snapshot of how people are dressing these days, how much money they're spending on clothes and what they like to wear. Coupon Follow connects customers with shopping deals around the country. Their survey found one possibly surprising result."We did find that 29 percent of workers work naked when working from home. Did that surprise me? That’s probably one of the words I would associate with my response to that. No, it didn’t surprise me. I think what surprised me is that people were so honest about the fact that they were working naked while working from home. I imagine that people weren’t working the full day naked. My guess is that there were some experiences where perhaps they had to and they answered the question with that in mind," said DuDell.The survey also showed the most popular work-from-home outfit was either loungewear or athletic wear. For the most part, people are really enjoying wearing a more casual wardrobe day to day. So much so, that 28 percent of respondents said they're willing to take a pay cut in order to keep the casual dress code going once they're back in the office."And that pay cut ranges about 15 percent in the dollar amount, was just north of ,000 dollars. So, between ,000-1,100 dollars people were willing to sacrifice in order to work in a place that didn’t require them to wear that button-up suit and tie," said DuDell.Lisa Frydenlund, an HR Knowledge Advisor with the Society for Human Resources Management, has some advice for people wanting to talk to their boss about a more casual dress code. "I always feel like if you have an idea and you want to bring it forward, first figure out who best to bring it forward to or what department to do so. Then, come with an idea, something you know will be heard in a sense that does it fit? Walking in with something totally crazy, you’re almost going in with the knowledge that it's not going to work. So, going with a plan," said Frydenlund. She says while some employers have still enforced a dress code policy for their employees working from home, many have relaxed those rules."I think it makes sense, especially in the world that we’re living in today considering that there’s a lot of challenges. So, being more comfortable in our current surroundings and most of us are at home, feels like one less thing to worry about," said Frydenlund. Frydenlund says many employers will have to re-establish their pre-COVID dress code rules once they welcome people back to the office."In general, I think people are asking themselves a really important question, which is, if I am doing something at my office - whether it's putting on a button-down shirt or whether it's doing work that can be done from home, they're thinking about that question. Is there a way to revise this to make it more relevant to the life and world that we live in now?" said DuDell. As for whether the casual theme will continue once people are back in the office, DuDell says it could depend on the type of business, but it will certainly be a topic of conversation going forward. 3734

Once the graduation confetti settles, you should mentally add “help your kid get a credit card” to your parental pre-college checklist. But getting a credit card at age 18 isn’t as easy as it was when you were in college.The Credit Card Act of 2009 generally prevents consumers under 21 without independent income from qualifying for credit cards on their own. And even with a job, your kid might have trouble qualifying for a card without a credit history. Plus, if you don’t give him or her credit guidance, your child’s missteps could strain your finances — and your relationship.“My counseling to my parents is, don’t just randomly give [your kid] a card,” says Amy Irvine, a certified financial planner and owner of Irvine Wealth Planning Strategies, a fee-only advisor firm in Corning, New York. “Make sure there’s some explanation that goes with it.”Here’s how you can help and avoid common pitfalls. 965

Ohio and Michigan. Two states with intense rivalries, however when you visit, you can't help but think how much they are the same. With a combined 34 electoral college votes, both are swing states that will decide this election. Both have experienced economic hardship in recent decades and both still rely on the auto industry for jobs. Ahead of the first debate in nearby Cleveland, what are the candidates doing for the auto worker?UNION DEBATE"I am the president of UAW Local 14," Tony Toddy proudly says from his office in Toledo. Toddy, who has been with the UAW for years, recently took over the post. "We like Joe because we know Joe," Toddy says, speaking of the UAW endorsement of Joe Biden. Toddy believes Biden would listen to unions more if elected president. Toddy does not like the new trade agreement, USMCA, which President Donald Trump signed into law earlier this year. "It’s just NAFTA 2.0. Where are the jobs?" Toddy said. But Trump supporters say wait a minute. "I've worked for Ford Motor Company for 24 years," Terry Bowman, who serves as co-chair of the Michigan Republican Party, said. "The American worker deserves four more years of a Trump presidency," Bowman said. Bowman said while union leadership maybe backing Biden, many on the assembly line are backing Trump. Bowman says workers like Trump's tough tough talk and believe his new trade deal is better than the alternative. ON THE ISSUESSo how do the candidates want to help the auto industry? Biden wants to shift 300,000 government cars from gas to electric, believing government investments would generate 1 million new jobs. Trump says his new USMCA trade deal will create 100,000 new jobs and that his rollback of environmental regulations will result in cheaper cars. At Inside the Five Brewery near the Michigan/Ohio line, patrons are divided heading into the debate. "I am for Biden," Marge Mizer, said. "I like an upfront person that’s going to tell me the truth," Mizer said. Meanwhile David Bartlett says he wants Trump to send a message. "I want to see President Trump destroy Joe Biden in the debate," Bartlett said. 2123

OCEANSIDE, Calif. (KGTV) – A father and his young son were hospitalized after a fire erupted at their mobile home in Oceanside.The fire was reported Tuesday at around 10:30 p.m. at a mobile home park on 251 Blue Springs Lane, according to Oceanside Fire officials.Witnesses told ABC 10News that the blaze started in the back of a mobile home, trapping a man and his son inside.As flames engulfed the home, some neighbors tried to put out the fire by spraying water from garden hoses.However, one neighbor heard banging coming from a window and a call for help. That neighbor got to the window, smashed it, and was then handed the boy by his father. Moments later, the neighbor helped the father crawl through the broken window.Responding firefighters were able to knock the fire down within 20 minutes. No other homes appeared to have been damaged by the blaze.ABC 10News learned the child was airlifted to Rady Children’s Hospital after suffering smoke inhalation.The boy’s father was transported by helicopter to UC San Diego’s Burn Center with burn injuries and cuts from the broken window.The cause of the fire is under investigation. 1146