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The homestretch of the 2020 presidential campaign culminates on Tuesday as President Donald Trump and former Vice President Joe Biden meet for the first of three presidential debates.Tuesday’s debate will air live on this network at 9 p.m. ET from Cleveland.Here is what you need to know about Tuesday's showdown.The candidatesDemocratic Party nominee Biden and Republican nominee Trump were the only two candidates invited to Tuesday’s debate based on polling. In order to be invited, a candidate must poll at 15 percent or above in a series of national polls to qualify.An aggregate of national polls by Real Clear Politics has Biden leading the popular vote by a 50-43 margin. But as Hillary Clinton learned in 2016, winning the popular vote does not mean victory.The moderatorFox News’ Chris Wallace will moderate a presidential debate for the second straight election cycle. Wallace was widely praised for his moderation of the 2016 debate between Clinton and Trump.While Fox News is considered by many to be right-leaning, Wallace is called one of the networks more independent anchors. Before joining Fox News, he was a reporter for ABC News, and the Washington Bureau Chief of NBC News.While Wallace did not moderate a Democratic Party debate, he is quite familiar with Trump. During the summer, Wallace held wide-ranging interview with Trump, which took Trump to task for the federal government’s response to the coronavirus.While this is the first time Wallace has moderated a debate involving Biden, he has moderated a debate involving Trump four prior times.Wallace moderated three GOP debates for Fox News during the 2016 primary season. During one of the debates, Wallace chided Marco Rubio and Trump stating, “Gentlemen, you’re going to have to do better than this.”The formatThe debate will be broken into six, 15-minute segments.Those segments include:The Trump and Biden RecordThe Supreme CourtCOVID-19The EconomyRace and Violence in our CitiesThe Integrity of the ElectionWhile the exact times candidates will be allowed to speak have not been released, during the last debate Wallace moderated, candidates had two minutes to answer each question, with remaining time to go into a deeper discussion on the topicPrepping for the debateWhile Trump has kept a busy public schedule in the week leading up to the debate, Biden has cut back on appearances to focus on debate prep.Trump had wanted the first debate to be held earlier as voters in a small number of states have started casting ballots.Unrest in US citiesOne of the six topics listed is on race and violence in US cities. The topic will be discussed just days after a Kentucky grand jury announced that two officers who shot and killed Breonna Taylor in Kentucky would not be charged.The issue of race and unrest has been one the two candidates are deeply divided on. While both candidates have said they oppose defunding police departments, Trump has frequently mischaracterized Biden’s position on policing, claiming that Biden supports defunding police departments.Meanwhile, Biden has frequently accused Trump of inciting violence and that Trump’s rhetoric has increased tensions.The Supreme CourtIn 2016, it was a certainty the next president would have to fill at least one Supreme Court vacancy. As Trump is about to likely fill his third open seat on the court, what happens in 2021 and beyond is unclear.Democrats have suggested that they would push to expand the size of the Supreme Court if they control the Senate and White House. Biden has not said whether he would go allow with that plan.Assuming Trump’s third nominee is confirmed, the Supreme Court will give conservatives a distinct advantage.The oldest member of the Supreme Court, 82-year-old Stephen Breyer, is a Clinton appointee. The next oldest justice, George H.W. Bush appointee Clarence Thomas, is a whole decade younger.CoronavirusLikely no issue has shaped the 2020 election more than the coronavirus. With more than 200,000 coronavirus-related fatalities, an unemployment rate that has doubled since March, and the US deficit jumping to near-record levels, the virus has impacted everyday life for virtually all Americans.How the country responds to the virus between now and Inauguration Day could change, however. Will a vaccine be ready by then? Will Americans trust that the vaccine is safe and effective? And what if a vaccine takes longer than expected and/or is not effective as hoped? 4457

The hurricane that swept ashore in Louisiana less than 24 hours ago has weakened to a tropical depression and is bringing heavy rain to western Mississippi.The National Hurricane Center says maximum sustained winds of what was once Hurricane Delta were clocked at 35 mph at around 10 a.m. local time Saturday. At that time, the storm was centered about 65 miles north-northwest of Jackson, Mississippi, and was moving northeast at 16 mph.Tropical storm-force winds gusts will persist for a few more hours over portions of Mississippi and southeastern Arkansas during the day Saturday.Officials say heavy rainfall will lead to flash flooding and minor river flooding across Lower Mississippi and Tennessee Valleys Saturday and into the Southern Appalachians through Sunday.“Minor to major river flooding will continue across portions of Louisiana and Mississippi through much of the week,” NHC said.Hurricane Delta made landfall as a Category 2 storm in southwestern Louisiana. The center of the storm hit land at 6 p.m. Friday near Creole, with top winds of 100 mph.Around landfall, a National Weather Service water gauge at Freshwater Canal Locks, Louisiana, reported a storm surge inundation of more than 8 feet above ground level. The NHC says water levels will continue to subside along the Louisiana coast Saturday.Delta was the 10th named storm to hit the continental United States this year, breaking a century-old record. 1437

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 massive new Museum of the Bible opens just blocks from the U.S. Capitol in Washington, D.C. later this week.Measuring 430,000 square feet, the privately-funded, 0 million project houses over 2,800 artifacts going back to biblical times. And then there's the building's size and scope, which rivals some of the neighboring Smithsonian museums on the National Mall, and the top-floor view of the Capitol Dome."Some people think we're coming here to have an influence on Congress. Who doesn't come here to have an influence on Congress," said Steve Green, the chairman of the museum's board.As President of Hobby Lobby, Green has already made an impact in Washington and around the country when the Supreme Court in 2014 sided by a 5-4 vote with his company over the Obama Administration, ruling the Affordable Care Act's contraception mandate to be a violation of the family-owned, for-profit business' religious freedom.But Green says any influence the Museum of the Bible may have on members of Congress who come to view the exhibits is only a happy byproduct of the real reason why the museum found its way to its Washington location. According to Green, the museum's leadership selected the city for the capital's foot traffic, not politics, and executive director Tony Zeiss says their settling on a building so close to the Capitol "was simply coincidence." The museum, which opens Friday after seven years of planning, focuses on the history, stories, and impact of the Bible, and includes interactive features like a space re-creating Jesus's first-century village.But the museum doesn't shy away from American politics, either, with exhibits detailing the Bible's importance from 17th century Puritan settlers to the 20th century civil rights movement, and how the Bible was used to justify both pro- and anti-slavery stances that drove America into Civil War."We want people to see how it was used for the good, the bad, and the ugly," says Norm Conrad, the museum's curator for Americana and Biblical Imprints.If there's any lesson on today's politics and culture visitors should take away, the museum's leaders aren't telling. Their goal in Washington, they say, is to inspire people to read the Bible.  2248

The Polk County (Fla.) Sheriff's Office has arrested a substitute teacher at Westwood Middle School after he reportedly grabbed a 12-year-old boy around the neck and pushed him against a wall. Robert Knight, 39, an employee of Kelly Educational Staffing, has been charged with negligent child abuse without bodily harm. The incident occurred on April 12 at Westwood Middle School in Winter Haven. Deputies responded to a call in reference to a child abuse investigation. A student told deputies he was choked by the P.E. coach, Robert Knight, on Wednesday, April 11. The student told deputies that he and Knight were "smack talking" when Knight took his shirt off and challenged the student to a fight, according to the arrest affidavit. The student said he didn't want to fight a "thirty year old man." Knight then wrapped his hand around the student's neck and pushed him against the wall while other students grabbed Knight's arm and attempted to separate him from the student, according to the affidavit. While he was being interviewed, Knight told deputies "I guess I finally let it get to me," referencing the smack talking with the student. He told deputies he "lost his cool" and doesn't know if he blacked out during the incident but that all he remembers were the kids pulling him off of the student. Knight is not employed by the Polk County School Board, but is employed by Kelly Educational Staffing as a substitute teacher. He was filling in for the male P.E. coach on Wednesday, April 11. Knight was taken into custody and transported to the Polk County Jail without incident."We expect much better conduct from a substitute school teacher. We compliment the school district staff who worked hand-in-hand with us to hold Mr. Knight accountable for his conduct" said Polk County Sheriff Grady Judd. 1855

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