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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

CHARLOTTE, N.C. – It’s a job balancing life and death and a position of power in our community. It’s a duty often costing more than a person can earn. But for so many police officers across the country, the call to serve overshadows the sacrifice.Charlotte-Mecklenburg Police Sergeant Donnie Penix has blue blood running through his veins. He started in 1997 as a patrol officer and has since served on the SWAT team, as a detective, and is now a sergeant in the Airport Division. He even served alongside his wife and his father who were fellow officers at CMPD for years themselves.For Sgt. Penix, his career is something he’s proud of, but it has also brought him a lot of pain.“There's been some moments across my career that both physically, mentally and emotionally impacted me, and I carry that with me to this day,” said Sgt. Penix.The job became even tougher after an officer involved shooting in 2016.“It was kind of the straw that broke the camel's back,” said Sgt. Penix.The sergeant and his officers were tracking a man wanted for murder in January of 2016. When that suspect shot at officers, Penix and his team responded with deadly force.“It was the worst of the worst,” said Penix. “A night where one of mine was injured, we've taken a life, and it was the most traumatic experience I've ever been in as a police officer. It's not what you signed up to do. We signed up to help people.”After that night, Penix went back to his usual shift feeling anything but normal.“It unleashed a lot of emotion for me and sent me spiraling down a really, really dark place. Every day I relived that experience over and over again, and I became so reclusive and I just internalized everything,” he said of his emotional reaction.The pain became so overwhelming he almost quit his job.“I set my gun and badge on my table at home, and I said, ‘I'm done.’ But I made a commitment to this profession and commitment to the people that I work with and work for to see it out,” he said.So, he did something he’d never done before. Sgt. Penix reached out for help.“We have that armor up where we're supposed to be the ones that help people, but we rarely ask for help for ourselves,” he said. “Once I made that decision to do that, it was hands on the best thing I've ever done in my life. And that's why I'm able to still function day and had a successful career.”The help he got was unique to this department. The Charlotte-Mecklenburg Police Department has an on-staff psychologist to help officers process what they experience and build up their mental health resiliency before negative experiences on the job.Dr. David Robert Englert, the staff psychologist for CMPD will begin helping recruits on the second day of the police academy. He said it’s about opening the door for tough conversations, so the officers will know it’s okay to ask for help anytime in their career.“Why don't we come up with a program in which we try to make people more resilient before bad things happen?” asked Dr. Englert. “Bad things are going to happen. When they do, the person, the individual, and their family will be more resilient, more able to recover quickly from that event.”Englert said this resource is critical for officers who can and will suffer physical and mental impacts from their work.“When you kick into high gear, the blood flows to your arms and legs and it flows away from your digestive track, and so it messes up with your digestion, your body's not healing itself,” said Englert of high-intensity police work. “You're not feeling rested. It really does potentially take years off a person's life.”But this is not just for officers. The 911 dispatchers, clerks and the entire staff of CMPD is exposed to trauma. Dr. Englert is there to assist them too.“From the moment they sit down to the moment they leave, it's high impact all day every day. Some kind of tragedy,” said Englert of the 911 dispatchers. “My crime scene technicians are going to go and see dead bodies almost every day, if not every day.We want to make sure that everyone here is taken care of and has resources.”Going on patrol and responding to calls is just a small part of the stress officers face every day and talking about those traumas is just the beginning of the resources this department offers.“For 72% of police officers in the country, the number one stressor was finances, and so, one of the first things that we did here was brought in a financial counselor to meet one on one with people and their spouses to help them come up with a financial plan,” said Dr. Englert. “Whether they had thousands of the bank or they’re thousands in debt.”To further assist officers and staff with finances, the department holds seminars for financial planning.“We have small group debt reduction classes. Nine, one-hour classes where they can sit together, work together as groups to get themselves out of debt,” he said.The department also has peer support groups so officers know they can rely on each other for help.“We also developed the officer involved shooting peer support, and so when an officer unfortunately has to take life or fire the weapon, they're assigned one of these folks who's been in this situation in the past,” said Englert.Deputy Chief Cherie E. Pearsall said normalizing this focus on mental health is paving the way for a new kind of officer.“You don't want to send broken people to handle broken situations,” she said. “We find funding for ammunition, we find funding for tactical vests to protect our officers, but we then have to do a good job of advocating for funding to protect their head and their heart.”Pearsall believes this program could be a model for other departments across the country and hopes this will help mend the broken relationship between police officers and the public.“They are human, and they may have had some of the same issues at home before they came to work there did come in to assist you with. And so, if there's a mutual respect and mutual understanding, then I think all of our situations will turn out ending with a human reaction in the positive direction that we wanted it to end in,” said the deputy chief.Sgt. Penix hopes the work he’s done for his own mental health shows the community there are officers out there fighting to truly protect and serve.“We're putting ourselves out there to say it's okay. It's okay to have those emotions, it's okay to hurt. It’s okay to ask for help. We're not invulnerable. We’re human just like anyone else. We can't do our job to the best of our abilities if we're not well inside,” said Penix. 6580

CHICAGO, Ill. – Born in Mississippi, Syl Johnson rose to prominence as a velvet-voiced pop recording artist and producer in the 1950s and 60s. In recent years, he filed lawsuits against artists like Kanye West and Jay-Z for sampling his work. But it was his potent refrain about systemic racism in America, covered and sampled dozens of times, that continues to resonate today.It wasn’t until a decade into his musical career that the soul singer penned his most powerful single“I wrote it because that type of thing was happening to people and then they killed Dr. King,” said Johnson.It was the 1968 assassination of Dr. Martin Luther King Jr. That made him question the dream.The lyrics painfully questioning the black experience: “Looking back over my false dreams, that I once knew… Wondering why my dreams never came true… Is it because I'm Black?”“I didn’t want to write something that was militant,” said Johnson. “I wanted to write something that was truth. It was truth. Is it because I’m Black? It was.”Released in September 1969 “Is It Because I’m Black” struck a nerve.“In this world of no pity… I was raised in the ghetto of the city,” he sang.Call-in requests catapulted it to number 11 on the Billboard Soul Singles Chart in just weeks.Though, the Black concept album failed to find financial success, 50 years later, Johnson is now in his early 80s and seeing the resonance of his lyrics on the streets.“I didn’t know it would last this long,” he said. “But it looks like this song is the topic of the times. The times right now.”The killing of George Floyd, he says, is a response to the question he first posed – “Is it because I'm Black?”It is in the face of renewed examinations of race in America and calls for justice that Johnson is hopeful.“The younger whites and the younger Blacks should make it happen,” he said. “When they join together to make it happen, this world will be a beautiful place.”And one day he hopes the question won’t need to be asked. 1988

CARLSBAD (KGTV) - Among the businesses saying Trump's trade war is hurting is San Diego born JLab, a booming audio company competing with huge brands.The Silicon Valley-style company in Carlsbad is buzzing as you walk through the large modern rectangular door."This company was four people four years ago, but now we're 40." CEO Win Cramer said they have lived the American Dream, saying they're a scrappy business always fighting to get on top."We worked out of literally, a house, or a rundown office or an apartment building forever," he said. JLab competes against major brands like Bose and Beats.They found a niche and made a name for themselves, "We came out with some fun colorful designs that happened to be on trend."Cramer said innovation is their secret weapon."It gives you the option to really tune out on a plane, you push a button and the engine noise goes away," explaining one of their earbuds.Their newest challenge is Trump's trade war. Billions of dollars in tariffs imposed on China are going into effect, and while all of the design work is done in Carlsbad, 100% of JLab's product is shipped from China.Cramer was sitting on a plane when he saw the alert, "this news pops up on my phone that 0 billion in tariffs announced, I quickly perused the list and saw our tariff code that we import  80% of our products was on the list and I just had this feeling of oh gosh we're going to have to fight this battle that we don't know how to fight."He is bending every ear within reach to spread awareness of how this affects JLab and other American businesses and even went to Washington DC to plead his case.Cramer said no legislators were there, just staffers and no electronic devices were allowed into the room. He said there is a written record of what was said."It was the largest hearing in US history which in it of itself should tell you something and how folks are, at least businesses like us are taking this pretty serious," he said.Production costs could increase by 25% and with the holiday season upon us, he's running out of options, "layoffs or pay cuts being the last option, certainly not something that I want to do or think about or consider, but it's something we're being forced to consider."He hopes change is swift and those in power hear his plea.He said the company will find out in mid-September how big the changes will be, and will see impacts as early as October. Cramer added a lot of the burden will fall on the customer, as they will have to raise the products' price.JLab employs 30 people in San Diego. 2630

CARLSBAD, Calif., (KGTV) -- This afternoon,  friends and family said their final good-byes to Justin Meek, the Coronado native who died in the Borderline Bar shooting on November 8, 2018. On the same day, students at Sage Creek High School read letters of appreciation to their loved ones. One student wrote his message to his older sister who survived the shooting in Thousand Oaks. Teenagers are not known to pour out their feelings. But for Sage Creek High School students, it is a requirement for their English class. As part of a senior assignment called "Project Gratitude," students expressed their thanks to those who helped shape their lives. They were to write a letter, call the recipient, and reflect. “I know I don’t show it often, but I’m so proud to have you as my mom,” Izabella Razmi said. Her letter was to her mother, US Navy Captain Shay Razmi. During her deployments, Izabella was the woman of the house.  954