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COLUMBIA COUNTY, Wisconsin -- Twenty people were hurt when a semi-truck hit a school bus carrying students from a Milwaukee private school Wednesday morning, according to the Wisconsin Department of Transportation.Four of the injuries are serious, the DOT says. The severity of the other injuries is not yet known.The students were from Hope Semper Christian School.The crash happened just after 10:00 a.m. on I-39 northbound, near DeForest, Wisconsin. The DOT says the semi crashed into the school bus, which was parked on the shoulder of the interstate after pulling over due to a mechanical issue.Students who were not injured are being transported to the State Patrol Post in DeForest for reunification with family members.The students were participating in an end-of-year field trip, according to a statement the school posted on Facebook. "While very scary, our staff and students were blessed by urgent first-responders, local medical attention as well as the kindness and generosity of Deforest Public Schools. Please keep our Semper scholars in your prayers for quick recovery and safe travels to reunite with loved ones," the statement read.   1191

CMA Entertainer of the Year nominee Luke Bryan says jokingly he may be a meaner person by the time American Idol is over.The “Huntin', Fishin' & Lovin' Every Day” singer explained to Scripps that one of his biggest challenges going into the show is finding a way to tell younger artists that it may not be their time in the spotlight yet.CMA Awards: How Florida Georgia Line ended up on Morgan Wallen's "Up Down"“You have to learn how to tell people no,” Bryan said. “We are telling these dreamers that they are not quite good enough to make it through thus far.”He explained to Scripps in Nashville that it may not be because of a lack of talent, saying that he’s not sure he could have made the cut early in his career.“A lot of these people are talented,” Bryan said. “If I had been 17 or 18-years-old I don’t think I would have cut the mustard back then.”CMA Awards: Kelsea Ballerini talks about fangirling and having dinner with RebaDon’t look for the country superstar to take on the Simon Cowell persona. He says that with fellow judges Katy Perry and Lionel Richie also being an artist it can make it an especially tough assignment.In addition to his CMA nomination, Bryan is preparing to kick off his “What Makes You Country” tour in February in Springfield, Missouri.The CMA Awards air Wednesday night at 7 p.m. (CT) on ABC. 1346

Consumers are looking for greater protections for their personal and financial information in the wake of the Equifax data breach. Many have decided to take precautions and put their credit on ice: a credit freeze.A credit freeze aims to block anyone from opening new accounts in your name. The catch is that the block applies to legit inquires, too. So it's not a great idea if you're shopping for a home or an auto loan. But when you're not looking to take out any loans or open any lines of credit, it can be a financial lifesaver.The Equifax hack, in which the names, Social Security numbers, birth dates, addresses, and driver's license numbers of 143 million people were exposed, may create a new normal in which protections previously viewed as cumbersome -- like credit freezes -- are now a valued line of defense."A security freeze is the most effective measure against 'new account' identity theft, because it stops thieves from using the consumer's stolen information," says Chi Chi Wu, a staff attorney at the National Consumer Law Center.Here's what you need to know about freezing your credit:What is a credit freeze?A credit freeze limits who can see your credit report information. The goal is to prevent anyone from opening any new accounts. It doesn't damage your credit or stop your credit report from evolving by your own actions.Your credit information will still be released to your existing creditors and any debt collectors who may come calling.But, if you want to open new lines of credit, you'll need to lift the freeze first. This can be done temporarily, either for a set time or for a particular party, like a landlord or lender.The costs to freeze and lift the freeze on your credit vary based on where you live and for each credit reporting agency, but commonly range from to per agency.If you're a resident of certain states -- like Maine or South Carolina?-- it's free.In response to public outcry, Equifax announced that fees to freeze your credit will be waived for the next 30 days.But even that doesn't totally protect your information since your data isn't fully frozen until it is on ice at all three credit bureaus. The other bureaus have their own fees. It's also unclear whether Equifax would still charge you a fee to lift the freeze. The company did not immediately respond to request for comment.Consumer protection organizations like the National Consumer Law Center are further calling for Equifax to waive the fees for credit freezes at all three credit bureaus.How is it different from fraud alerts or other credit monitoring?The credit reporting companies do little to make getting a credit freeze easy: you have to ask each of them individually, pay a fee (usually) to put it in place, ask each of them specifically to lift the freeze and often pay another fee. That's because your data is the product that they sell to other people and companies. If you freeze it, it isn't as valuable.As such, they are more likely to offer you fraud alerts and other credit monitoring products. These are services that will let you know when someone is looking at your credit and may contact you about a new account opened in your name. It's helpful, but it is often after the fact."Equifax is offering something that it says functions like a credit freeze," says Mike Litt, consumer program advocate with US Public Interest Research Group. "The problem is that it is incomplete protection and it only lasts for a year. What we're recommending is that people don't bother with the package Equifax is offering and just place freezes with the three credit bureaus instead."Can I still get a credit card or loan?Sure. When your credit is frozen you can continue to operate your financial life just as you typically would. The only notable thing is that you will need to notify the credit bureaus to lift the freeze before you ask a lender to approve you for credit.If you are able to determine which credit agency your potential lender is using to run your credit, you can even save yourself some fees by just requesting the freeze to be lifted on that one.The reporting agencies tell you that this may delay a legitimate credit request.But for those who don't feel comfortable with the way the credit reporting agencies are handling their treasure trove of personal information, a notification to the agencies and day or so delay may be a fair price to pay for added security.The agencies advise you to plan ahead and lift a freeze a few days before actually applying for new credit.How do I freeze my credit?With millions of people feeling vulnerable after the hack and scrambling to secure their most important information, getting a credit freeze has been more difficult than usual in the past few days. Users on Twitter report trying again and again to secure credit freezes, with both the website and phone systems failing.Keep trying.To set up your own credit freeze, go to the freeze page at each credit agency's website individually: Equifax, TransUnion,?Experian.You will be asked to provide information. If you do not want to put your information into another automated computer system, you can call the agencies directly. Usually you are given a PIN number, which is your key to lift the freeze. Do. Not. Lose.In addition to being subject to your state laws, the cost may also vary by agency.Often there is no charge for victims of identity fraud to add or lift a security freeze. Rules and fees at TransUnion, Experian and Equifax are similar, with the exception of Equifax's being waived for the next 30 days. 5652

CLEVELAND, Ohio – President Donald Trump and former Vice President Joe Biden are debating each other for the first time.WATCH LIVE:The 90-minute event will be split up into six 15-minute segments and there will be no commercial interruption.Each of the six segments will be dedicated to a predetermined topic. The Commission Presidential Debates says those topics will include: “the Trump and Biden records, the Supreme Court, COVID-19, the economy, race and violence in our cities, and the integrity of the election.”The topics were chosen by the moderator of the debate, “Fox News Sunday” anchor Chris Wallace.Amid the coronavirus pandemic, the 2020 general election is unlike any other in American history. The threat of COVID-19 has prevented the candidates from campaigning in a way we’ve seen in the past. Trump has still held rallies, but with some precautions taken, while Biden has opted to rely heavily on virtual events and socially distanced speeches.Tuesday night, Trump and Biden will appear on stage together, but far apart and the candidates are not expected to shake hands. The audience will also be smaller than in years past and all in-house spectators will be tested for the coronavirus.This debate will provide both nominees the opportunity to shape the narrative of the election, which has largely been focused on the handling of the pandemic, the push for racial equality, and most recently the vacancy of Justice Ruth Bader Ginsburg’s seat on the Supreme Court.Along with those topics, a bombshell report from The New York Times is sure to be brought up. The “newspaper of record” reported Sunday that it has obtained more than two decades worth of Trump’s tax information. The documents reportedly revealed Trump paid just 0 in federal income taxes in 2016 and 2017. In 10 of the 15 years before that, he paid no income taxes at all, The Times reports. The president has called the reporting “fake news.”Trump and Biden are getting ready for the debate in starkly different ways. The Washington Post reports that Trump isn’t doing much to prepare, instead relying on his experience at the White House and at rallies. Meanwhile, The Post says Biden is doing more traditional debate prep.After Tuesday’s debate, the American people will have to wait more than two weeks before Trump and Biden face off again on Oct. 15 at a town-hall style debate in Miami. The final debate will be held in Nashville on Oct. 22.Election Day is on Nov. 3. Click here for the registration and early voting deadlines in your state. 2545

Congress has a rare opportunity Wednesday to consider whether tech giants should be broken up due to antitrust concerns.The CEOs of Amazon, Google, Apple, and Facebook are testifying remotely in a House Judiciary Committee Hearing starting at noon on Wednesday.Facebook internal company documents are being deployed against CEO Mark Zuckerberg by lawmakers asserting that the company has gobbled up rivals to squelch competition.Rep. Jerrold Nadler, the Democrat who heads the House Judiciary Committee, told Zuckerberg at a hearing Wednesday that documents obtained from the company “tell a very disturbing story” of Facebook’s acquisition of the Instagram messaging service.He said the documents show Zuckerberg called Instagram a threat that could “meaningfully hurt” Facebook.Zuckerberg responded that Facebook viewed Instagram as both a competitor and a “complement” to Facebook’s services, but also acknowledged that it competed with Facebook on photo-sharing. Some critics of Facebook have called for the company to divest Instagram and its WhatsAPP messaging service.During his questioning with Rep. Pramila Jayapal, Amazon founder Jeff Bezos couldn't guarantee that his company isn't accessing seller data to make competing products.“We have a policy against using seller specific data to aid our private label business,” said Bezos.“But I can’t guarantee to you that that policy hasn’t been violated.”With the hearing underway, it's hard to tell who is the most powerful person in the room."Google controls nearly all of the internet search in the United States," Rep. David Cicilline, D-Rhode Island, said. "Amazon controls nearly half of all online commerce in the United States. Facebook has approximately 2.7 billion monthly active users across its platforms, and finally, Apple is under increasing scrutiny for abusing its role as both a player and a referee in the App Store."A year-long congressional investigation is looking for ways to check that power in what experts say will require a new understanding of U.S. competition law."(The) major point of these hearings is to move away from a conception of competition law as focusing on the well-being of citizens, as purchasers of goods and services, and to adopt a broader conception that looks at the citizen as an employee — as a resident of a community, as a consumer of news," Willam Kovacic, the former chairman of the Federal Trade Commission said.The four companies have all denied anti-competitive behavior. Last week, Apple even commissioned a study that found its App Store commission rates were in line with other companies.Several large tech companies have voiced concerns that congressional regulation might make them less competitive globally."I worry that if you regulate for the sake of regulating it, it has a lot of unintended consequences," said Sundar Pichai, the CEO of Google's parent company, Alphabet. "If you take a technology like artificial intelligence, it will have implications for national security and other important areas of society."Even as the COVID-19 pandemic has made tech companies more essential and more valuable, they have been facing a growing backlash. Protests have taken place across the country over safety concerns at Amazon warehouses, and advertisers have been boycotting Facebook over the site's failure to properly police hate speech."I think they come into the hearing not with a halo, but with great concerns about exactly whose side they are on. And that should be a matter of concern," Kovacic said. "Again, you look at the mood of Congress. You look at how Republicans join Democrats today in scolding these companies. That's a combustible environment for the leading enterprises."The House investigation is expected to lead to a recommendation for new legislation, perhaps bringing along with it greater scrutiny of tech acquisitions — like Facebook's purchase of WhatsApp and Instagram, and Google's purchase of YouTube and Fitbit. It could also ramp up pressure on other ongoing investigations of large tech companies. 4056

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