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WOODBRIDGE, Calif. (AP) — An 11-year-old Northern California boy died after shooting himself during a Zoom distance-learning class while his microphone and camera were off.The San Joaquin County Sheriff's Office says deputies were called to a home in Woodbridge Wednesday morning and found the boy with a self-inflicted head wound. He died at a hospital.Deputies told KOVR-TV that the boy's microphone and camera were off when he shot himself during a sixth-grade Zoom class.The Woodbridge Elementary School student's name and other details weren't immediately released.The school district is offering counseling and bereavement support to staff and students. 667

Click here for the District's main parent resource page. Turn to this website for information about important district forms, engagement opportunities, and parent FAQs. 171

Your credit card issuer can lower your credit limit at any time, regardless of how well you manage your account. Issuers might cut credit limits to minimize risk in an uncertain economy, as many cardholders have experienced during the COVID-19 pandemic in 2020. Or they may do it when cardholders regularly use what the issuers see as too much or too little of their available credit.Credit card companies determine your credit limit by evaluating several factors, like your credit score, your income, the available credit you already have and how much of that existing credit you’re using. Ultimately, though, they can increase or decrease limits whenever they want.When can a credit card issuer reduce my credit limit?Although credit card issuers can lower your limit at any time, they are most likely to do so when:You use too much of your available credit: When a cardholder regularly maxes out their credit limit or carries high balances, credit card issuers may view it as a sign of financial trouble. As a result, they may cut your credit limit going forward to minimize their own risk. This is especially true if you start paying late or missing payments.When the card is inactive or seldom-used: The company that issued your credit card makes money only if you use the card. (That money comes from transaction fees and, if you carry a balance, interest.) If you rarely use it, the issuer may be inclined to reduce your limit and, effectively, allocate that available credit to someone else who’s more likely to generate income for the issuer. If you let your card sit for too long without using it at all, your issuer might close your credit card entirely, leaving you with a potentially damaged credit score and no card to use.When the economy is uncertain: Credit card issuers have been known to reduce credit limits to minimize their risk when the economy is uncertain. Most issuers cut credit limits during the Great Recession, according to a survey by the Federal Reserve. They also did so in response to the COVID-19 economy.Can credit card companies lower your credit limit without notice?Credit card companies are not required to notify you about lowering a credit limit unless it will lead to an over-the-limit fee, which is unlikely since many issuers no longer assess this fee. In most cases, credit card companies are required to notify you 45 days ahead of time about any changes to your account’s terms and conditions, but this is one exception.Though credit card issuers aren’t obligated to notify you about a credit limit decrease, it’s common for them to do so. If you do receive such a notice, it might include a reason why the issuer trimmed your credit limit. You might even be able to ask to keep your current credit limit, depending on the reason for lowering it.Can I avoid credit limit reduction?You might be able to avoid a credit limit reduction, but it will likely depend on your issuer and your track record on managing your credit. The best attempt at avoiding one is to contact your issuer as soon as you learn that your credit limit is changing. You have nothing to lose by asking the company to consider keeping your prior credit limit.If you’re on the brink of maxing out your credit card or you’re using a lot of your available credit, it may be more difficult to persuade your issuer to leave your credit limit alone. Cardholders whose limits were slashed due to inactivity may have better luck.Act fast to contact your credit card issuer as soon as you get notice, if you get any. If you wait too long, you might have to undergo a credit check to get a credit limit increase, and there’s no certainty that you’ll get bumped back up to your previous amount.Will a decreased credit limit affect my credit score?A lower credit limit can affect your credit score if it materially changes your credit utilization ratio, the percentage of your available credit you’re using. Utilization is a key factor in your credit score. A rule of thumb is to use less than 30% of your available credit.Even if a reduced limit pushes you over that percentage, the effect doesn’t have to be permanent. Stay on track with payments and get your debt down, and your credit can recover.More From NerdWallet6 Credit Card Scams and How to Avoid ThemIs It OK to Never Have a Credit Card?Today’s Definition of Financial Adulthood Is More Flexible Than EverMelissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. 4485

-- and its wider implications for human mental health treatment -- was found in their poop, per new findings published in Behavioural Brain Research.Rats are better drivers when they're mentally stimulatedKelly Lambert, study author and head of the University of Richmond's Lambert Behavioral Neuroscience Laboratory, trained two groups of young rats: One bunch raised in an "enriched environment" with toys, ladders, balls and pieces of wood designed to spark mental stimulation, and another reared in a standard, unexciting lab cage.The rats learned to enter a custom "rat-operated vehicle," or ROV, adorably constructed from a one-gallon plastic container turned on its side.Once inside, the rat racers would stand on an aluminum plate and press on a copper bar that would trigger the wheels' motor. They'd hold down on the bar until they propelled their tiny car to the end of their enclosure, where they collected their reward: Froot Loops.When it came time to drive, the rats who played with ladders, balls and toys were more adept at operating and steering the ROV, thanks to the neuroplasticity (their brains' ability to change over time) triggered by their environment. Their unstimulated cage counterparts effectively "failed their driving test," Lambert said.Hormones found in their feces showed improved emotional resilienceIn sifting through their fecal matter, Lambert found both groups of rats trained to drive secreted higher levels of corticosterone and DHEA, hormones that control stress responses.Corticosterone is a hormone animals could secrete in high-stakes scenarios like running from a wild animal or defending themselves from predators, but it can also be expressed in lower-risk tasks like doing taxes or worrying about a loved one (though rats likely aren't advanced enough to form a government, let alone impose taxes on fellow rats).DHEA acts as a sort of "buffer," Lambert said, when corticosterone becomes toxic -- that is, when it can't be turned off in a reasonable amount of time, creating prolonged stress.It's evidence that mastering a complex task, like driving a car, bolstered the rats' emotional resilience."It is likely that driving gives the rats a sense of control over their environment," she said. "In humans, we would say that it enhances a sense of agency or self-efficacy."What have rats got to do with human health?The brains of humans and rats share nearly all of the same areas and neurochemicals -- they're just smaller in rodents. And though humans are certainly more complex than rats, Lambert said there are "universal truths" in how both species' brains interact within their environment to maintain optimal mental health.So these results have implications for human health, too (and no, they don't mean rats will drive alongside people in tiny lanes on highways). Emotional resilience is one of the first lines of defense against mental illnesses like depression, she said, and learning what behaviors build that up could clue physicians in on how to treat those illnesses in humans.It's a concept Lambert refers to as "behaviorceuticals," activities that release hormones that can ward off prolonged stress brought on by corticosterone."Anything that reduces stress can build resilience against the onset of mental illness," she said.The activity can be something as simple as knitting, or in rats' case, learning to drive a car. Just engaging hands, paws and brains of varying sizes can enhance a participant's sense of control. 3489

— citizens have been asked to only leave their homes for once a day for no more than an hour in order to limit the spread of the coronavirus.But the lockdown didn't stop one man from running a marathon.According to the 221

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