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The National Transportation Safety Board is launching a probe that will focus on how first responders handled a fatal crash of a Tesla Model S in Florida this week.Two people died Tuesday evening in Fort Lauderdale, Florida, after a gray 2014 Tesla Model S ran off the road and collided with a concrete wall. The vehicle then caught on fire, engulfing the car in flames, local police said.The NTSB said in a statement Wednesday that the investigation will "primarily focus on emergency response in relation to the electric vehicle battery fire, including fire department activities and towing operations."The driver and front seat passenger were pronounced dead at the scene. A third passenger in the back seat survived and was taken to the hospital, authorities said.Police said the car's speed was likely a factor in the incident. The NTSB did not indicate that it suspects first responders did something wrong. Nor does it indicate that something was wrong with the vehicle.Related: Elon Musk spends million of his own money on Tesla sharesNTSB chairman Robert Sumwalt said in a statement that the "NTSB has a long history of investigating emerging transportation technologies, such as lithium ion battery fires in commercial aviation, as well as a fire involving the lithium ion battery in a Chevrolet Volt.""The goal of these investigations is to understand the impact of these emerging transportation technologies when they are part of a transportation accident," Sumwalt said.Tesla said in a statement that it is "working to establish the facts of the incident and offer our full cooperation to the local authorities.""We have not yet been able to retrieve the logs from the vehicle, but everything we have seen thus far indicates a very high-speed collision and that Autopilot was not engaged," Tesla said.The NTSB also said in its statement Wednesday that it "does not, at this time, anticipate autopilot being a part of this investigation."Several crashes have occurred in the past with Tesla's Autopilot function engaged, including a fatal incident in March.The Autopilot feature is not fully autonomous. It handles some driving functions, but not all, and drivers are expected to stay engaged when the feature is activated. Tesla said after the March incident that the driver was given "several visual and one audible" cue from the vehicle to grab the wheel "earlier in the drive" before the crash.Tesla CEO Elon Musk recently lashed out at reporters who have written articles "that would lead people to believe that autonomy is less safe.""Because people might actually turn it off, and then die," Musk said during an earnings call last month. "So anyway, I'm very upset by this."Tesla has repeatedly referred to a government report from January 2017, which has been widely criticized, that found that Autopilot reduced crash rates for Tesla by 40%. 2889

The number of mass shootings around the country in 2018 has risen above 300 so far.According to data from the Gun Violence Archive, a total of 307 mass shooting incidents have occurred as of October 27.Wednesday night's shooting, which left 13 people dead at a bar in Thousand Oaks, California, marked the 307th mass shooting incident so far this year.In 2017, the U.S. saw a total of 346 mass shootings. See statistics for other years here.There doesn't seem to be an official definition for a "mass shooting" in the United States, but according to the Gun Violence Archive, a mass shooting is described as four or more individuals being shot or killed in the same general time and location. RELATED: School shootings in U.S.: When, where each shooting has occurred in 2018The F.B.I. defines a "mass killing" as the killing of three or more people in a public place, but the federal agency also defines a "mass murderer" as someone who has killed four or more people in the same location.The Gun Violence Archive lists itself as a not-for-profit organization that documents gun violence and gun crime nationally. 1156

The interest rate on the 30-year fixed-rate mortgage remained near record lows in June and is likely to stay there in July.The 30-year fixed averaged 3.33% APR in the first four weeks of June, a smidgen lower than the 3.37% average APR in May and 3.36% in April. June’s rate average was the lowest in the four-year history of NerdWallet’s daily rate survey.A mission to reduce ratesMortgage rates were remarkably anchored from April through June after the Federal Reserve intervened to stabilize rates and push them down.But the Fed’s intervention hasn’t been entirely successful: Although mortgage rates have been remarkably stable, they’re stuck at a higher-than-expected level. To put it more bluntly, rates should be lower.Since March, the central bank has bought billions of dollars’ worth of Treasurys and mortgage bonds “to sustain smooth market functioning, thereby fostering effective transmission of monetary policy to broader financial conditions,” as the Fed explained in a June 10 statement.Dissecting that short passage:The Fed is saying that its goal is to push interest rates, including mortgage rates, lower. That’s what “transmission of monetary policy to broader financial conditions” means.It’s trying to accomplish that goal by buying Treasurys and mortgage bonds to calm and stabilize those markets. Stabilizing markets is a method, not the goal.? MORE: How mortgage rates are determinedFed failed to make a bigger splashThe Fed has succeeded in calming the waters. That’s why there were ripples, not waves, in fixed mortgage rates from April through June. But it has only partially succeeded in its goal to push interest rates lower. For the Fed to declare victory in “fostering effective transmission of monetary policy to broader financial conditions,” mortgage rates would have to fall another half a percentage point or so.With its intervention, the Fed decreased Treasury yields and mortgage rates. But the results are unequal: Since January, the 10-year Treasury yield has fallen a little over one percentage point, while the 30-year mortgage has fallen about half a percentage point. Normally, the two would fall roughly the same amount.Rates slow to sync with TreasurysWhy haven’t mortgage rates fallen further? You might guess that lenders are keeping rates elevated to offset the risk of mortgages going into default during the COVID-19 recession. But mortgage rates tend to fall during recessions.? MORE: What COVID-19 means for mortgage ratesMaybe mortgage servicers, the companies that collect monthly payments and work with past-due borrowers, want to be paid for the increased risk they bear, and it’s translating to higher rates. Maybe an undetected economic force keeps a floor on mortgage rates, preventing the 30-year fixed from falling below 3% and lingering there.A more plausible theory is that mortgage rates will follow historical patterns and shamble lower until they’ve fallen roughly the same as Treasury yields. That’s the conclusion that Bill Emmons, economist for the Federal Reserve Bank of St. Louis, makes in a paper titled “Why Haven’t Mortgage Rates Fallen Further?”Using history as a guide, Emmons writes, “we would expect a further decline in mortgage rates of perhaps 0.5 percentage points.” If he’s right, mortgage rates might drop in July.Don’t count on it, though. Not after these two months of stability; rates might continue to tread water.More From NerdWalletCompare current mortgage ratesHow much home can I afford?Buying or selling a home during the pandemicHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 3623

The parent company of both Applebee's and IHOP stated that several of the restaurants' locations would close permanently after a financial review the company stated Wednesday in a press release.In the news release, Dine Brands stated that 15 Applebee's locations would close for good sometime in the fourth quarter of 2020.The company added that nearly 100 IHOP locations would be closing in the next six months."Given the impact of the pandemic on individual restaurant-level economics, the company is evaluating the viability of greatly underperforming domestic IHOP restaurants," Dine Brands stated in the release.Dine Brands has not released information on which locations will close or how closures would impact employees. 735

The mother of a Maryland teen accused of murdering a Baltimore County Police Officer blamed the justice system in court, saying if her son had been detained the incident would not have happened.“Numerous times I asked them to detain him so nothing like this would happen,” Tanika Wilson, the mother of 16-year-old Dawanta Harris said, fighting through tears. “…my condolences to the family of the officer. My condolences from the bottom of my heart. If they would have kept him we wouldn’t be here.”Harris has been charged of first-degree murder in the death of Officer Amy Caprio. He allegedly ran her over with a stolen car after Capiro confronted him in a  Perry Hall, Maryland, cul de sac.“He knows right from wrong,” Wilson said through tears. “Everything changed, his life, my life, the officer’s life, in a split second.”Wilson, explained the court proceedings her son had been involved in criminal activity since he was first arrested in December 2017. Wilson said she struggled to keep Harris on the straight and narrow as she recently had a baby and Harris transitioned from middle school to high school. She said Harris began hanging out with people that were bad influences.She also said she would travel the neighborhood looking for her son, occasionally getting into confrontations with other families in the process.At the time of Caprio’s death, Harris had violated a home detention order following a hearing?from early May. At that court proceeding on May 10, Wilson says she and the assistant state’s attorney wanted Harris detained. His public defender requested his release on good behavior and a judge concurred, issuing an non-GPS ankle monitor to be placed on Harris for home detention. By Monday, May 14, Harris was declared AWOL and the Department of Juvenile Services made several attempts over the next two days to find him. Harris could not be found or contacted, and by another court appearance on Friday, May 18, Wilson hoped a writ would be issued to find and detain her son.According to court records, because Harris was not at the delinquency hearing, it was tabled until Tuesday, May 22. Caprio was killed on Monday, May 21.“This was a woman who was crying out for help. She turned to every resource available including the court system, because with a mother’s wit and intuition, she had that feeling that sinks in your gut,” J. Wyndal Gordon, one of Harris' attorneys, said. “ … she did everything that she could to avoid what brings us here today ... this is not an excuse for the conduct of her son, but it’s an explanation of how everyone has been affected by what has taken place in this case, and again, not to forget about the victim, because the victim had family to.” Harris' lawyers also called on the state to release body cam footage from the incident.“With regard to suspending judgment, waiting for the evidence, we’re calling for the State’s Attorney, the Police Department, to release the body cam footage” said Warren Brown, one of the lawyer’s representing the driver, Harris. “It should speak for itself, and we see no good reason that the public, especially considering the emotional aspect of this case, should be kept in the dark.”At a press conference earlier this week, Baltimore County State’s Attorney Scott Shellenberger said he would not release any body camera footage in an effort to avoid tainting future jury pools.“We think the body cam footage is the sine qua non of this case. There’s been a lot of strong feelings about this case, but strong feelings do not equal strong facts. We want to ask the tough questions about this case, because it generates a lot of questions that we don’t have answers to,” Gordon said. The two attorneys depicted a scenario in which Caprio blocked Harris in, deployed her weapon, and put him in fear for his life, so that he felt the need to escape, driving blindly forward through his only potential route of escape - where Caprio was standing. “What evidence is it that he intended to hit and kill this police officer? The state has even conceded that when the gun was drawn at some point, either before or after the first shot is fired, he’s ducking down, he’s looking at the seat of the vehicle. He’s instinctively trying to get away,” Brown said. “ … He was in survival mode.”“People are going to hear what they want to hear, but it should be said and heard that his head was buried as he drove off,” Brown said. “There wasn’t any intention on his part to strike this officer. His intention was to get away.” 4596

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