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Google chief executive Sundar Pichai appeared on Capitol Hill Wednesday where he faced questions from lawmakers on a number of issues, including data privacy, misinformation, a search product being developed for China, and allegations from Republicans that the search engine giant is biased against conservative users."All of these topics -- competition, censorship, bias, and others -- point to one fundamental question that demands the nation's attention: Are America's technology companies serving as instruments of freedom—or instruments of control?" House Majority Leader Kevin McCarthy said at the outset of the hearing, which was held by the House Judiciary Committee.McCarthy added, "[T]he Free World depends on a free Internet. We need to know that Google is on the side of the Free World, and that it will provide its services free of anti-competitive behavior, political bias, and censorship."The hearing, Pichai's first before Congress, came just a few months after a different attempt to get him to Capitol Hill turned so contentious that a Senate committee featured an empty chair in his place at a hearing.The House Judiciary Committee has questioned technology executives at hearings throughout the year, most recently Twitter (TWTR) chief executive Jack Dorsey in September.Those hearings have focused primarily on whether technology companies are biased against conservative users, but have touched on other issues.  1447

GREENVILLE, S.C. (AP) — A California man has been arrested over allegations that he and his partners ran a billion Ponzi scheme that targeted people receiving pensions.News outlets report the U.S. Marshals Service arrested Future Income Payments LLC owner Scott Kohn on Saturday in San Diego. The 65-year-old has been on the run since March when authorities in South Carolina secured fraud indictments against him.Court filings say the company provided cash advances to veterans and others that would then be repaid by their pensions. Traders weren't told the advances had interest rates that could top 240%. The upfront money came from investors who were promised up to 8% back on their investments.An April letter to investors says about 25 states are investigating or have taken action against Kohn's company. 823

GENEVA (AP) — The World Health Organization has an unwelcome but potentially life-saving message for the holiday season: Don’t hug. To stop the spread of the coronavirus, WHO’s emergencies chief, Dr. Michael Ryan, said Monday that the “shocking” rate of COVID-19 cases and deaths, particularly in the U.S., mean that people shouldn’t get too close to their loved ones this year. That means with or without a mask on. “The epidemic in the U.S. is punishing. It’s widespread," said Dr. Michael Ryan. "It’s quite frankly, shocking, to see one to two persons a minute die in the U.S. — a country with a wonderful, strong health system (and) amazing technological capacities,” he said.Dr. Ryan called the pandemic “brutal” in the U.S., which accounts for about a third of all COVID-19 cases globally. As of Tuesday morning, there were more than 67 million confirmed cases of coronavirus around the world since the pandemic started, and almost 15 million of those cases are in the U.S. There are just over 1.5 million deaths from COVID-19 around the world, and almost 285,000 of them are in the U.S. Maria Van Kerkhove, WHO’s technical lead on COVID-19, said most transmission happens among people who tend to spend a lot of time together sharing meals and indoor spaces, in workplaces or homes — but it’s sometimes hard to “disentangle” how exactly the virus was spread.Added Ryan: “It’s a horrible thing to think that we would be here as the World Health Organization saying to people, ‘Don’t hug each other.’ It’s terrible.” 1529

GENEVA —The coronavirus pandemic “continues to accelerate," with a doubling of cases over the last six weeks, the World Health Organization chief says.WHO Director-General Tedros Adhanom Ghebreyesus says nearly 16 million cases have now been reported to the U.N. health agency, with more than 640,000 deaths worldwide.Tedros will convene on Thursday WHO’s emergency committee, a procedural requirement six months after the agency’s declaration of a public health emergency of international concern, made on Jan. 30 for the coronavirus outbreak. The panel will advise him on the pandemic.“COVID-19 has changed our world,” he told reporters from WHO’s Geneva headquarters on Monday. “It has brought people, communities and nations together — and driven them apart.”He cited some factors that have proven effective in some countries, including political leadership, education, increased testing and hygiene and physical distancing measures. 945

High school seniors who plan on taking a gap year this fall to wait out the pandemic could be paying for it for the rest of their lives.While a one-year wait might seem like the right decision for students who don’t want to study online or risk COVID-19 exposure, graduating a year later could cost ,000 in lifetime earnings. A new study from the Federal Reserve Bank of New York details how taking a gap year could put students behind their peers financially and create an insurmountable earnings gap.According to the study, a 22-year-old college graduate earns ,000 on average the first year out of college, and can expect to make ,000 the year they turn 25. By contrast, if a student takes a gap year and delays graduation, they can expect to earn ,000 by age 25 — ,000 less. That gap will perpetuate and compound for late graduates throughout their careers.“Being a year behind, these differences add up each and every year, so that those graduating later never catch up to those who graduated earlier,” researchers Jaison Abel and Richard Deitz write in the report. “Together, these costs add up to more than ,000 over one’s working life, which erodes the value of a college degree.”College might cost even moreCollege typically gets more expensive every year, but this year might be an exception. A few colleges are freezing tuition or offering discounts, and students might see their living expenses decrease. Federal student loan interest rates are at historic lows as well.But experts don’t expect those trends to continue past the health crisis. And missing school this fall means you don’t get to take advantage of lower college expenses.Irma Becerra, president of Marymount University in Virginia, says colleges have had to make major investments to prepare for instruction this fall. Her school plans a hybrid-flex model that will allow students to blend in-person and remote learning based on their needs and comfort level.“Every university that I know has had to incur significant expense to deal with safely reopening or keeping staff and faculty on payroll,” Becerra says.She adds that while colleges are sensitive to the ripple effects of the economic downturn, she expects them to raise tuition in the future unless the government increases investments in higher education. “I can only imagine that [colleges] will have to raise tuition because we’ve all had significant expenses.”Students who opt for a gap year may also have to face higher tuition with less aid. According to Lindsay Clark, director of external affairs at the student finance app Savi, “Taking a gap year and deferring admission could affect scholarships or financial aid offerings if they are not guaranteed for the next year.”Is a gap year still worth the risk?While experts agree that making ,000 less during your lifetime is significant, they advise students not to base their gap-year decision on that figure alone.Arun Ponnusamy, chief academic officer at the college admissions counseling company Collegewise, points out that the return on investment for college is still substantial — even with a gap-year pay dip.A college graduate will make roughly a million dollars more than a high school graduate, according to Ponnusamy. “So we are talking about, you will lose 9% of that by sitting out a year? It just doesn’t sound like that is the number you should use to choose whether or not you sit out.”Martin Van Der Werf, associate director of editorial and postsecondary policy at Georgetown University’s Center on Education and the Workforce, advises students to consider their motivations for going to college and evaluate any anxieties they might have.As the father of a rising college freshman, Van Der Werf knows firsthand the difficult choices and serious implications facing students. He says that students who are experiencing anxiety about the fall may be best served by taking off a semester or two — despite potential wage loss.“The worst thing that could happen is you start college, you don’t finish and you have all this debt,” Van Der Werf says when talking about the potential for some students to be unsuccessful with remote learning. “Then you don’t have a degree to pay off that debt.”He advises students to keep their options open and pay attention to their school’s reopening plans. “There are colleges who announced that they were coming back but are going online. If that makes you uncomfortable, you shouldn’t do it.”More From NerdWalletDon’t Wait to Refinance These Student Loans‘Shadow’ Lenders Can Leave College Students in the DarkStudent Loan Refi Rates Keep Dropping, Should You Take the Plunge?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 4719