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California's Camp Fire didn't just kill dozens of people and destroy thousands of homes. It also left an insurance company in financial ruins, unable to pay millions of dollars to policyholders.A state judge ruled that Merced Property & Casualty Co. can't meet its obligations after last month's Camp Fire, the deadliest and most destructive wildfire in California history.Merced's assets are about million, but it faced about million in outstanding liabilities just in the city of Paradise, court filings show.Judge Brian McCabe's decision allows the California Department of Insurance to take control of Merced. According to court documents, the state's Conservation & Liquidation Office will start liquidating what's left of the company.Photos: Wildfires devastation in CaliforniaUnlike with bankruptcy, where a business or individual can start over, liquidation means there is no hope for a company's recovery.Fortunately for Merced's policyholders, they are covered by the California Insurance Guarantee Association, which "protects resident claimants in the event of an insurance company insolvency."But the association has maximum benefit limitations, according to Merced."If it ends up that you have a claim in excess of CIGA's limits," the company said, "the excess will be a claim against the assets of Merced." 1337
Businesses across the country that are taking part in the “Open to All” campaign are placing stickers on their store fronts to show customers they are inclusive.Voodoo Doughnuts in Colorado was one of the first businesses to take part in the initiative, and now, hundreds of others are signing up.The “Open to All” coalition, which includes over 1,200 businesses, believes no one should have to ever worry about whether they will be denied service.The campaign was sparked by an incident that happened at a Colorado cake shop back in 2012. The shop refused to bake a wedding cake for a same-sex couple because it didn't align with their religious beliefs. The case went all the way to the Supreme Court, where the ruling was in favor of the cake shop.Daniel Ramos with One Colorado, a non-profit organization for the LGBTQ community, says that ruling was a turning point."We know we have so much work to do to make sure people, regardless of their sexual orientation, regardless of their gender identity, have access to businesses that won't deny them, simply because who they are and who they love,” says Ramos.Ramos believes the “Open to All” campaign is good for all businesses. "Over the past number of years, we have seen businesses stand on the side of equality because they know equality means business,” Ramos says. “It’s good for them, for their companies, for their employees to feel safe, supported and welcome."A huge contributor for the movement is Yelp. When you open the app, it will tell you if a business is participating. Also, Lyft is another big company taking part.The coalition, along with One Colorado, believes that taking part in this movement, you are standing up for human rights. "Regardless of who you are or who you love, when you walk into a business, you should be served and that you are treated with dignity and respect," Ramos says. 1890

Cedar Point's newest roller coaster was shut down Saturday after two train cars bumped into each other.Witnesses said the cars were traveling at a slow rate of speed when the collision happened.According to witnesses, one of the carts made a "weird rattle noise" in the second-to-last corkscrew before entering the station. The second cart came in shortly after and hit the first train. 394
Chanel White has missed going to karaoke bars, but when it comes to being in quarantine, she’s used to it.“Life hasn’t been too different from what it normally was for me,” Chanel White said.In 2011, White was diagnosed with systemic sclerosis, an auto-immune disease.“Basically my body just sees myself, my tissue, my organs as something foreign and something that should be attacked,” White said.She gets nutrients through a feeding tube and takes a lot of different medications. She’s also considered high risk of contracting COVID-19.“Pneumonia is basically the number one cause of death for people with my condition.”Based on a report by Johns Hopkins Center for Health Security, White should be among those who get the novel coronavirus vaccine as soon as it’s available.“Ethics is the essence of this,” Dr. Eric Toner said.Dr. Toner is a Senior Scholar with Johns Hopkins. Who gets the vaccine first will ultimately be up to the Department of Health and Human Services, but Dr. Toner says the report is meant to offer an ethical framework to help prioritize who gets the vaccine and when.“First of all it’d be health care workers who are taking care of COVID-19 patients. That seems pretty straight forward and non-controversial,” Dr. Toner said.Also in the first tier would be people who are essential to the pandemic response – like those doing the vaccinating, people on the front lines of public health and people working in nursing homes.That first tier would also include the men and women who have helped maintain some normalcy during the pandemic.“Think of front-line transportation workers like bus drivers, think about people working grocery stores, people who work in food production, people who keep the lights on and the water running,” Dr. Toner said.White would be in tier one, but her medical situation is quite complicated.“I right now can’t get vaccines,” White said.She says the treatment she’s receiving heavily reduces her immune response so her body doesn’t attack itself. So depending on the type of vaccine, she would either develop COVID-19, or the vaccine wouldn’t do anything for her.“It’s a weird circumstance because I don’t think the world thinks a lot about people like us. They just think ‘oh the sick people are especially going to need this,’” White said.Dr. Toner says there is an alternative solution.“Vaccinate everyone around them. So vaccinate their families, their caregivers,” Dr. Toner said.“Clearly herd immunity can save an immeasurable number of lives. And so really for someone like me that really is my best shot,” White said.Getting enough people who have an immune response to the vaccine will depend on its effectiveness.“We are ensuring that the vaccine is safe and we’re ensuring that the vaccine is effective. And we will try to get it out as fast as we can, of course, but we won’t cut any corners,” Dr. Toner said.For now, White is choosing to focus on the positive."Hopefully the world will come out better because of this and empathic to their fellow man. But I do hope for a future where I can go to karaoke again,” White said. 3100
CHARLOTTE, N.C. (AP) — The Charlotte Hornets have suspended radio play-by-play broadcaster John Focke indefinitely after he used a racial slur on his Twitter account. Focke used the slur while tweeting about the Jazz-Nuggets playoff game. He has since deleted the tweet and apologized, saying it was a typo. Focke wrote that he made a "horrific error" and that he had no intention of ever using that word. 413
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