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The New England Journal of Medicine is one of the most popular medical journals in the world, where researchers go to share trials and information on data and science. But on Wednesday, the journal entered the world of politics.In an unusual and highly unprecedented fashion, the New England Journal of Medicine wrote a scathing rebuke of US leaders’ response to the coronavirus pandemic. While not formally offering any sort of endorsement, the journal referenced the upcoming election in its editorial. The piece did not name President Donald Trump or opponent Joe Biden by name.“Anyone else who recklessly squandered lives and money in this way would be suffering legal consequences,” the journal wrote. “Our leaders have largely claimed immunity for their actions. But this election gives us the power to render judgment. Reasonable people will certainly disagree about the many political positions taken by candidates. But truth is neither liberal nor conservative. When it comes to the response to the largest public health crisis of our time, our current political leaders have demonstrated that they are dangerously incompetent."The editorial, titled “Dying in a Leadership Vacuum,” comes just 27 days before the US election. While much of the world has been able to keep coronavirus deaths to a minimum in recent months, the US still has one of the highest death rates in the world from the virus related to the coronavirus.The United States continues to average 800 deaths per day from the coronavirus, according to Johns Hopkins University data. Only India has been averaging more deaths per day than the US in recent weeks, and India’s population is nearly quadruple America’s population.While many European nations saw a reprieve from the despair of the coronavirus over the summer, counties such as France and the United Kingdom are seeing cases jump in recent weeks, although their death counts still pale in comparison to the United States.The New England Journal of Medicine said that the US had every advantage going into the pandemic to combat the disease.“The United States came into this crisis with enormous advantages,” the journal’s editors wrote. “Along with tremendous manufacturing capacity, we have a biomedical research system that is the envy of the world. We have enormous expertise in public health, health policy, and basic biology and have consistently been able to turn that expertise into new therapies and preventive measures. And much of that national expertise resides in government institutions. Yet our leaders have largely chosen to ignore and even denigrate experts.”To read the full editorial, click here. 2657

The mystery isn’t why so many people file for bankruptcy each year. It’s why more people don’t.Each year, only a fraction of the Americans who could benefit financially from bankruptcy actually seek relief. Economists say some don’t file because collectors aren’t aggressively pursuing them, while others may strategically delay filing because bankruptcy could benefit them more down the road.Many bankruptcy attorneys have a much simpler explanation: Fear, a lack of information and misplaced optimism keep people from getting a fresh start.A temporary pauseAbout 14% of U.S. households — or roughly 17 million — owe more than they own, according to Federal Reserve Bank of New York estimates. Many of these households could benefit from having their debts wiped out, but fewer than 1% of U.S. households actually file for bankruptcy each year. Last year, there were 752,160 personal bankruptcy filings. Researchers refer to this gap as “missing bankruptcies” — the filings that could be happening, but aren’t.Now, there’s an additional set of missing bankruptcies: the cases people normally would have filed in recent months, but haven’t. Bankruptcy filings dropped dramatically in the second quarter of this year, to about 60% of the average for the previous five years.Courthouses were shuttered by pandemic closures, which made it harder for creditors to pursue foreclosures and wage garnishments. Those are two big drivers of consumer bankruptcy filings, says David Cox, a bankruptcy attorney in Lynchburg, Virginia, and co-author of “Consumer Bankruptcy: Fundamentals of Chapter 7 and Chapter 13 of the U.S. Bankruptcy Code.”Borrowers have benefited from various forms of coronavirus relief, such as suspended payments on federal student loans, mortgage forbearance and expanded hardship options for loans and credit card accounts. The 0 weekly bump in unemployment checks, which expired in July, also kept many people afloat, Cox says.Lower jobless benefits, along with the reopening of courts and continued high unemployment, mean the lull in bankruptcy filings is likely temporary, says Jenny Doling, a bankruptcy attorney in Palm Desert, California, who serves on the American Bankruptcy Institute’s Chapter 13 Advisory Committee.She worries that people will wait too long to file. Too often, people drain retirement funds or other assets that would be protected in bankruptcy to pay debts that will ultimately be erased, she says. Putting off bankruptcy also can make it harder to come up with the ,500 needed to file a typical case.You won’t lose everythingCox says many of his clients delay filing because they fear they will lose cars, homes and other property. They are pleasantly surprised that they aren’t stripped of everything they own, he says.“There’s a misunderstanding about how bankruptcy works and what it would take from you,” Cox says.The vast majority of people who file the most common type of bankruptcy, Chapter 7, don’t have to give up any of their possessions. The types and amount of property you can keep vary by state, but typically include clothing, professional tools, wedding rings and at least some equity in your home. A few thousand dollars of equity in a car is usually protected as well. If you have assets that wouldn’t be protected in Chapter 7, you could file for a Chapter 13 repayment plan instead.You can get credit againA bankruptcy filing remains on your credit reports for up to 10 years. But credit scores can start to recover soon after you file. It’s possible to get a VA or FHA mortgage two years after a bankruptcy. Most loans require you to wait at least four years.People can start to rebuild credit a few months after their bankruptcy case is discharged by getting secured credit cards, which require a deposit, or credit-builder loans, available from some credit unions, community banks and online.The problem with anxiety — or unrealistic optimismDebt often leads to anxiety and depression that makes taking action difficult, Cox says. Many of his clients arrive at their first meeting with grocery sacks full of unopened bills.But misplaced optimism can also be a problem. The same hopefulness that causes people to take on too much debt also can lead them to put off the reckoning, he says.“You always think, ‘Our income’s going to increase, things will be better going forward,’” Cox says.Anyone struggling with debt now should consider consulting a bankruptcy attorney, Doling says. The first visit is often free, and referrals are available from the National Association of Consumer Bankruptcy Attorneys. Consulting with an attorney doesn’t obligate you to file, but it could help you avoid expensive mistakes if you later decide that’s your best option.“The people who do much better in bankruptcy are the ones who came in and got advice early on,” Doling says.This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: Used Cars in Short Supply, and Shea Couleé Talks About MoneyHow Frugal Fashionistas Can Stay on TrendAre Medicare Advantage Plans Worth the Risk?Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 5211

The man responsible for the Strasbourg terror attack was killed by police on Thursday, a spokesman for the Paris prosecutor's office said.Cherif Chekatt, 29, is accused of killing at least three people and wounding 13 others in the terrorist attack near the Christmas market in Strasbourg. French prosecutors said the suspect shouted the Arabic phrase "Allahu Akbar," meaning "God is greatest," at the time of the attack.He was killed after a two-day manhunt that prompted a curfew in the eastern French city near the German border and forced the country to raise its national security threat level. Hundreds of police and military officers across three European countries were involved in the search.The French National Police thanked the public for their assistance in finding Chekatt."Thank you for your alerts which allowed us to find the wanted individual," the National Police said on Twitter.Authorities said Chekatt entered the perimeter of the famed market, one of the oldest in Europe, by the city's Corbeau Bridge and started shooting at passers-by on the Rue des Orfèvres around 8 p.m., when many were in the middle of their Christmas shopping.Anti-terror police flooded the market and tried to arrest the suspected gunman. He exchanged fire with security forces, suffering an injury to his arm. Chekatt used a handgun and a knife to kill people, Paris Prosecutor Remy Heitz said.The suspected gunman then jumped into a taxi and fled the scene, Heitz said.Soon after the attack, more than 700 police and military officers across three European countries joined the search and France raised its national security threat level to its highest status: "emergency terror attack."On Thursday, French police evacuated buildings and cordoned off the area where the suspected gunman fled. Chekatt has an extensive criminal background that includes 27 convictions in France, Germany and Switzerland, mostly for acts of robbery and violence.In 2017, he was deported from Germany to France after the Interior Ministry in the German state of Baden-Wuerttemberg confirmed he had been convicted of break-ins and serious theft in 2016 and spent time in a German prison.The suspected shooter also was known to prison officials for being radicalized and for his proselytizing behavior in detention in 2015, Paris prosecutor Heitz said, adding that Chekatt had been incarcerated multiple times.Chekatt was born in Strasbourg, according to CNN affiliate BFM.He was on a French watch list called a "Fiche S" surveillance file. The "Fiche S" is a French terror and radicalization watch list that includes thousands of people, some of whom are under active surveillance, meaning they are on law enforcement's radar.Hours before the attack, French gendarmes tried to bring in Chekatt but found he wasn't home, a spokesperson for France's National Police told CNN earlier this week, without providing further details. 2932

The Pennsylvania Supreme Court released new congressional district lines Monday, replacing the old Republican-drawn maps in time for the state's May primary.House Republican and Democratic operatives said Monday afternoon they are still analyzing the partisan makeup of the new districts.But in a swing state where Republicans hold 13 House seats to Democrats' five, the balance appears all but certain to tip in Democrats' direction.The biggest changes come in the Philadelphia suburbs, where three Republican-held seats -- Reps. Ryan Costello, Brian Fitzpatrick and the retiring Pat Meehan -- were already Democratic targets.The new maps appear more compact and suburban than the existing district boundaries and an alternative that state legislative Republicans had submitted -- and one of those districts is now made up of just Montgomery County, a Democratic stronghold that the GOP had proposed dividing heavily.Republicans in the Pennsylvania legislature have said they intend to challenge the new maps in federal court. The Supreme Court previously refused to hear a challenge to the state high court's ruling that the previous maps were gerrymandered in a way that violated the Pennsylvania Constitution. 1221

The judge in Bill Cosby's indecent assault trial ruled Tuesday a jury can consider as evidence the comedian's 2005 admission that he procured Quaaludes for women he wanted to bed.Accuser Andrea Constand is one of dozens of women who have accused the former TV star of drugging and sexually assaulting them, an allegation Cosby denies.Judge Steven O'Neill's decision came amid a more than hourlong hearing, during which the jury was not present. The hearing dealt with attorney-client privilege, Fifth Amendment concerns and Cosby's defense team's plans to call one of Constand's civil attorneys to the stand, as well as a toxicologist who will dispute her account of how the drugs affected her. 702