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LYON, France (AP) — The United States women's soccer team was as good as American players promised — maybe even better.Especially Megan Rapinoe, the pink-haired captain who emerged with the Golden Ball as top player, the Golden Boot as top scorer and a world-wide stature as a champion for gender equity.The U.S. won its record fourth Women's World Cup title and second in a row, beating the Netherlands 2-0 Sunday night when Rapinoe converted a tiebreaking penalty kick in the second half and Rose Lavelle added a goal.Rapinoe scored in the 61st minute after a video review determined Stefanie van der Gragt had fouled Alex Morgan with a kick to the shoulder in the penalty area.Two days past her 34th birthday, Rapinoe slotted the ball past goalkeeper Sari van Veenendaal for her sixth goal of the tournament. The oldest player to score in a Women's World Cup final, she struck a familiar victorious pose with arms outstretched."It's surreal. I don't know how to feel like now. It's ridiculous," Rapinoe said. "We're crazy and that's what makes us so special. We just have no quit in us. We're so tight, and we'll do anything to win."Lavelle, at 24 the team's up-and-coming star, added her third goal of the tournament on an 18-yard left-footed shot in the 69th after a solo run from the center circle."She's superstar, not even in the making, she's straight up superstar at this point," Rapinoe said.Fans, many dressed in red, white and blue, chanted "Equal Pay!" at the final whistle , a reminder players sued the U.S. Soccer Federation in March claiming gender discrimination.Rapinoe drew the ire of U.S. President Donald Trump during the tournament by saying she and teammates would refuse to visit the White House, part of the team's wider push for gender equity. New York City Mayor Bill de Blasio needed just a few seconds after the final whistle to invite the team to a ticker-tape parade up the Canyon on Heroes in Manhattan on Wednesday.The Americans never trailed in the tournament and set records with 26 goals and a 12-game World Cup winning streak dating to 2015. U.S. coach Jill Ellis became the first coach to lead a team to two Women's World Cup titles, and the U.S. joined Germany in 2003 and 2007 as the only repeat champions."It's just chemistry. They put their hearts and soul into this journey," Ellis said. "They made history."FIFA president Gianni Infantino handed over the trophy, a stark contrast to four years ago in Canada, when then-president Sepp Blatter was a no-show as U.S. prosecutors investigated corruption in soccer's governing body. While the U.S. added fourth star to its jersey, Germany is the only nation that has even two.With confidence and brashness that some called even arrogant — triggering a backlash that the angry response was sexist — this American team established a standard of excellence that exceeded the U.S. champions of 1991, 1999 and 2015, becoming a goal for all others to match. Former American players joined the current generation on the field for the postgame celebration.Alyssa Naeher, the 31-year-old who succeeded Hope Solo in goal, faced repeated questions entering the tournament but allowed just three goals in the tournament and finished with her fourth shutout.The U.S. had scored within the first 12 minutes of its previous six matches in the tournament but the European champions sat back to keep their defensive shape and kept the score 0-0 through the first half.Video review, adopted by FIFA for the men's World Cup last year, showed its impact when Stephanie Frappart, the first woman to referee a men's Ligue 1 match, went to the screen at the side of the field and then signaled toward the spot.Rapinoe, who missed Tuesday's semifinal win over England with a hamstring injury, became the first woman to score on a penalty kick during a Women's World Cup final, her 50th goal in 158 international appearances. She matched Morgan and England's Ellen White for most goals in the tournament and won the Golden Ball based on fewer minutes.Rapinoe was given a standing ovation by the crowd when she subbed out in the 79th minute. The crowd of 57,900 at Stade de Lyon for Le Grand Finale included French President Emmanuel Macron.The Americans opened the tournament with a record 13-0 rout of lowly Thailand, triggering debate over whether the celebrations after each goal were excessive. Carli Lloyd responded the next match by following a goal with a polite golf clap. The Morgan stirred it up again when she scored against England with a tea sip, pinkie outstretched.__More AP soccer: https://apnews.com/apf-Soccer and https://twitter.com/AP_Sports 4634

Mail bombing suspect Cesar Sayoc worked as a DJ at Ultra Gentleman's Club in West Palm Beach, Fla., the same strip club where Trump accuser Stormy Daniels performed in April.WPTV spoke to Ultra manager Stacey Saccal who confirmed that Sayoc worked as a DJ Thursday afternoon, the day before he was arrested in Plantation. She said Sayoc had worked there for two months as a DJ and doorman.Saccal said there had been no complaints about Sayoc from other employees prior to his arrest Friday. 528

Martin Shkreli was sentenced to seven years in prison on Friday for defrauding investors out of more than million.Shkreli, who gained notoriety for inflating the price of a life-saving drug, had faced up to 20 years behind bars for mismanaging money at three hedge funds.He was convicted on August 5, 2017 of securities fraud and conspiracy in what prosecutors said amounted to a Ponzi scheme. Shkreli called the charges "a witch hunt of epic proportions."The-CNN-Wire? & ? 2018 Cable News Network, Inc., a Time Warner Company. All rights reserved. 564

MEXICO CITY (AP) — Mexico’s medical safety commission has approved the emergency use of the Pfizer-BioNTech vaccine for the coronavirus.Assistant Health Secretary Hugo López-Gatell said Friday that Mexico is the fourth country to do so, behind Britain, Canada, and Bahrain.Mexico is set to receive 250,000 doses of the vaccine, enough for 125,000 people.López-Gatel has said that front-line health workers will get the shots first. Vaccinations are expected to begin as soon as next week.López-Gatel says the approval “is, of course, a reason for hope,” though the initial rounds of shots are not nearly enough for Mexico’s health-care workforce. 654

Millions of homeowners could still benefit from refinancing their mortgages to get a lower interest rate. This is true even after a federal regulator startled lenders by dictating a new fee that amounts to a tax on refinancing.Many could save by refinancingMortgage rates began falling in the spring, as the potential economic impact of the COVID-19 pandemic dawned on financial markets, and declined into summer. The average rate on the 30-year fixed-rate mortgage has lingered around 3% APR in much of August, according to NerdWallet’s daily survey, and the 15-year fixed-rate loan has averaged under 3%.Low refinance rates ignited a refinancing boom, accounting for more than 60% of mortgage applications most weeks this summer. Still, plenty of potential refinancers remain. When the 30-year mortgage rate is 3%, almost 18 million homeowners could reduce their interest rate at least 0.75% by refinancing, according to mortgage analytics company Black Knight. The average potential refinance savings: almost 0 a month.Fee could diminish refi savings for someA new fee on refinance transactions could reduce borrowers’ monthly savings, though. The “adverse market refinance fee” was stealthily announced Aug. 12 by Fannie Mae and Freddie Mac, the government-sponsored companies that bought and securitized 47% of mortgages at the beginning of 2020.Freddie attributed the fee to “COVID-19 related economic and market uncertainty.” Fannie used similar wording, without mentioning the disease.The fee is a 0.5% charge on conventional refinances. It amounts to a half-of-a-percent sales tax on refinancing. In the first week of August, the average amount of a conventional refinance was about 4,000, according to the Mortgage Bankers Association. On a refinance for that amount, the fee would be ,620.Some refinancers won’t have to pay. The fee applies only to conventional, conforming mortgages, which means that it doesn’t apply to those who refinance government home loans. Jumbo loans are also exempt.Lenders can pass along the fee to borrowers in several ways: including it in the refinance closing costs, adding it to the loan amount or increasing the interest rate. A 0.5% fee typically would translate into a rate increase of 0.125% or less.New fee targets less-risky borrowersFannie and Freddie claimed that the fee was driven by market uncertainty, but it was levied on refinances, not purchase loans. Refinances generally carry less risk than purchases, so charging more for refis is like setting a higher auto insurance premium for a mom with a clean driving record than for her 16-year-old son.So it’s a mystery why an “adverse market” charge was added to lower-risk loans.Another enigma is who imposed the fee. Fannie and Freddie made the announcement at night, hours after their headquarters closed; the Federal Housing Finance Agency, which closely oversees the companies, made no public comment. David H. Stevens, a former commissioner of the Federal Housing Administration, pointed at the FHFA, tweeting that the agency, Fannie and Freddie “are essentially providing [refinancing homeowners] the middle finger…”Why refis pose less risk than purchase loansTo refinance, borrowers need to demonstrate that they’ve been paying on time. And most people refinance to get lower monthly payments. It’s safe to assume that dependable borrowers decrease their risk of default when they reduce their payments. In contrast, purchase loans are a step into the unknown.The fee will be charged on refi loans that Fannie and Freddie buy on or after Sept. 1. Typically, a few weeks pass between a loan’s closing and its sale to Fannie or Freddie. That time lag means the fee increase applies to most conventional refinancers who had not locked their rate and fees by Aug. 12, when the fee was announced.There’s a chance that the fee could be rescinded. On Aug. 13, a senior White House official told the Wall Street Journal that the administration “has serious concerns with this action, and is reviewing it.” But the FHFA is an independent agency and can act without White House approval.More reasons to refinanceA modest fee doesn’t have to stop anyone from refinancing. There are other reasons to refinance besides monthly savings:Repay the loan faster. By refinancing a 30-year mortgage to a 15-year loan, a borrower can save thousands of dollars over the life of the loan by paying interest for a shorter period.Stop paying mortgage insurance. Refinancing is a way to get rid of mortgage insurance, whether it’s an FHA loan insured by the Federal Housing Administration or private mortgage insurance on a conventional loan.Extract equity. Some homeowners refinance for more than they owe and take the difference in cash in what’s called a cash-out refinance. The money can go toward home improvements or other uses.More From NerdWalletHow and why to refinance your mortgageHow to get rid of private mortgage insuranceHow to get the lowest refinance rateHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 5063