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VIRGINIA BEACH, Va. — A dozen people were killed Friday in Virginia Beach, Virginia, when a longtime city employee opened fire in a municipal building. This is what we know about them. 197

Where the Mississippi River nears its end, sits a city that nearly faced its own end.“It’s a different kind of place,” said Louisiana native Hosea LaFleur.Nearly 15 years after Hurricane Katrina, New Orleans remains a city where the past never strays too far from the present. The storm is still felt by every homeowner here on their homeowners’ insurance bills.After the storm, insurance companies no longer wanted to offer homeowners insurance in parts of Louisiana that were vulnerable to hurricanes. They thought it was a money-loser.So, the state created Citizens Insurance. Initially controversial, it was funded by all the property owners in the state, including people who didn’t live anywhere near the damaged areas.“That certainly was a hard sell for those folks,” said Louisiana Insurance Commissioner Jim Donelon.Louisiana’s Citizens Insurance eventually helped stabilize the insurance market after Katrina and attracted more than 30 new insurance companies to the state. The number of homeowners on Citizens has also since plummeted, from 174,000 in 2008 to about 38,000 today, representing about 0.4 percent of the market there.“The policyholders are contributing fees, as well as the companies writing business contribute fees,” said Joey O’Connor, owner of the O’Connor Insurance Group and president of the Independent Insurance Agents and Brokers of Louisiana.Hosea LaFleur’s coastal home is on Citizens Insurance.“Just fell in love with it,” he said of the home. “Fell in love with the people, the things, the atmosphere.”It’s been hit by hurricanes twice: first Katrina in 2005 and then Gustav, three years later.“Knocked our walls down, everything down,” LaFleur said.Despite the repeated rebuilding, he wouldn’t dream of giving it up.“It's home to us,” LaFleur said. “We love it. We love everything about it.”Robert Allen is an adjunct professor at the School of Professional Advancement at Tulane University. His courses specialize in risk management and threat assessments. “That's going to start adding up,” he said, of rebuilding in vulnerable natural disaster areas. “Who foots the bill at the end of the day? You do. I do. Everybody else does.”Last year, the U.S. experienced 14 separate billion-dollar natural disasters: two hurricanes, two winter storms, eight severe storms, wildfires and a drought.From California wildfires to Midwest floods to coastal hurricanes, Allen said that as some insurance companies pull back from covering some areas, taxpayers will need to figure out if they want to keep footing the rebuilding bill.“At the end of the day is going to come down to money,” he said. “I mean, how much money is being put into that and at what point again do you decide this is enough?”Allen said one idea that’s been floated is to create a federal natural disaster insurance program, similar to the national flood insurance program. Taxpayers everywhere would be responsible for keeping it solvent.“There was talk or there is some kind of undertones about doing that with all hazards threats -- like doing that with the fires and just underwriting some of this stuff,” Allen said.It’s a challenge that taxpayers will have to confront, if they chose to rebuild areas hit over and over again by nature’s fury. 3259

WINTER HAVEN, Fla. — A 17-year-old girl is lucky to be alive after a plane crashed through the roof of her home and pinned her against a wall, the Polk County Sheriff's Office said. "This was a day of miracles," Polk County Sheriff Grady Judd said in a press conference. 283

Wednesday’s Democratic Party presidential debate hosted by NBC News could make for one of the most intriguing debates in recent memory. The late entry of Michael Bloomberg has posed an intriguing case study on whether it’s possible not to participate in the early-state nominating contests and still earn the nomination.So far, Bloomberg has spent hundreds of millions in advertising. While commercials help spread a candidate’s message, advertisements do not face the type of scrutiny a stage full of opponents questioned by moderators does. And with Bloomberg’s recent rise in the polls, he could be facing incoming from everyone on the stage.When: Wednesday, Feb. 19, 9-11 p.m. ETHow to watch: NBC, MSNBC, NBCNews.com, Universo (Spanish Translation)The candidatesFormer Vice President Joe BidenFormer New York City Mayor Michael BloombergFormer South Bend, Indiana Mayor Pete ButtigiegMinnesota Sen. Amy KlobucharVermont Sen. Bernie SandersMassachusetts Sen. Elizabeth WarrenFive of the six candidates have participated in every previous debate. QualificationsCandidate earned at least 10% support in four national polls, or 12 percent in two Nevada and/or South Carolina polls, or have at least one national delegate pledged from the Iowa or New Hampshire primaries. Wednesday’s debate marks the first debate that has lifted the requirement to meet fundraising thresholds. This is what allowed Bloomberg to enter the debate. Ridding the fundraising requirement for Bloomberg, who has largely self-funded his campaign, did not please Warren. “It’s a shame Mike Bloomberg can buy his way into the debate,” Warren said. “But at least now primary voters curious about how each candidate will take on Donald Trump can get a live demonstration of how we each take on an egomaniac billionaire.”Who isn’t on the stageBillionaire Tom Steyer will not participate in a debate for the first time during the 2020 cycle. This comes despite strong polling numbers in Nevada and South Carolina. Also, Rep. Tulsi Gabbard, who last participated in a debate in October, did not qualify. Businessman Andrew Yang has dropped out of the race since the last debate. Other candidates who have since dropped out include Sen. Michael Bennet and Gov. Deval Patrick. Where the race standsButtigieg holds a slight lead in delegates over Sanders (23-21). Other candidates with delegates are Warren (8), Klobuchar (7) and Biden (6). Bloomberg did not enter the first two nominating contests, and will sit out Saturday’s Nevada Caucuses and the South Carolina Primary on Feb. 29. Although Buttigieg holds the lead in delegates, it is hard to describe him as the frontrunner. Sanders has a plurality of votes, and leads national polling. Real Clear Politics tracks major opinion polls, and an aggregate of polls show that Sanders has seen his share of the vote go from 19% to 27% in the last three weeks. During that time, Bloomberg has seen his numbers more than double, as he has gone from the back of the pack to nearly even with one-time frontrunner Biden for second. Sanders also is polling well in Nevada, a state he won in 2016. An East Carolina University poll held this week shows Biden still holds a lead in South Carolina, despite poor performances in Iowa and New Hampshire. But on March 3, the biggest night of the nominating race awaits as more than a dozen states, including Texas and California, hold primaries. These states are already conducting early voting, meaning Wednesday’s debate could be the final opportunity for candidates to make an impression before a crucial Super Tuesday race. Debate rulesThe moderators will be "NBC Nightly News" and "Dateline NBC" anchor Lester Holt, "Meet the Press" moderator and NBC News Political Director Chuck Todd, NBC News Chief White House Correspondent and host of "MSNBC Live" Hallie Jackson, Noticias Telemundo Senior Correspondent Vanessa Hauc and Jon Ralston of The Nevada Independent.Candidates will have 1 minute and 15 seconds for answers and 45 seconds for follow-ups at the moderators’ discretion, NBC News said.Race issues facing Bloomberg, candidatesGiven that Wednesday is the ninth debate since the start of the nominating process, it is very possible that many of the question will be directed at Bloomberg. How he responds to issues such as “Stop and Frisk” and race relations more broadly could be seen as key. Bloomberg will likely be asked about why he allowed “Stop and Frisk,” a policy that allowed NYPD officers to stop citizens to conduct pat downs without probably cause, to exist for years. Opponents of stop and frisk claim that blacks were targeted by the policy, and that these stops did not reduce crime. Proponents said that stops of these nature are permissible by Supreme Court ruling, and dispute findings that the stops don’t reduce crime.Buttigieg and Klobuchar could also be probed on race relations, especially since both candidates did well following the New Hampshire primary. Buttigieg has faced criticism over housing and policing policies while mayor. Meanwhile, Klobuchar has been facing questions on her prosecution of Myon Burrell, who was convicted of killing an 11-year-old girl with a stray bullet. The AP reported that no guns, fingerprints or DNA tying Burrell to the homicide were ever found.Black Democratic voters make up nearly 20% of the party’s electorate. 5358

Two-month-old Mavis Loan’s main meal consists of milk. But long before she arrived, her parents were thinking about her nutrition. “Once she was pregnant, it was instantly ‘what goes into you goes into her.’ And I know once we do start feeding her solids, it'll be very conscious, yes,” says Mavis’ father, Conor Loan. Loan says he and his wife are proactive in making sure their daughter has a healthy diet. “We want her to be healthy, and we don't want any of the, you know, bad side effects of like childhood obesity,” Loan says. Soon, it will be easier for other parents to follow healthy tips for their children. For the first time, the State Departments of Health and Agriculture (USDA) is providing dietary guidelines and recommendations for pregnant women, infants and young children. Recommendations include what and how much they should eat. Dr. Theodore Stathos, a pediatric gastroenterologist at Rocky Mountain Hospital for Children, says he’s relieved to see health guidelines for pregnant women and young children. “When you read through most of the baby primer books, they talk a little bit about nutrition and choices, but they don't limit the quantities of simple sugars and they don't certainly limit the quantities of fats,” Dr. Stathos says. A 2008 study in the medical journal The Lancet found malnutrition from conception to 24 months was linked to obesity, heart disease and other health problems. Lucy Sullivan, founder of the nonprofit 1000 Days, says "if a child is overweight by age 5, there is a great risk the child will be dealing with obesity his entire life. It can be a life sentence." Dr. Stathos says it can be harder to reverse changes as children get older. That's why although the guidelines won't be issued until next year, he says parents can start now making sure their children have a balanced meal “It's very easy to pick them for them, and if you really want to have a cooperative child, as soon as they are able to point and make choices, you can take them to the grocery store with you and give them choices between two healthy things,” Dr. Stathos suggests. 2118