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While unofficial vote count totals show that Joe Biden has won the 2020 election and will become the 46th President of the United States, President Donald Trump has yet to concede. In fact, the Trump administration has so far blocked the transition process from getting underway.Trump has falsely claimed victory in the election on the unproven basis of widespread voter fraud. The campaign has filed several lawsuits in states where vote counts are tight, but it's unlikely that those lawsuits will result in a massive swing in votes needed to change the outcome of the election.However, there are a handful of Republican lawmakers that have recognized Joe Biden as the President-elect, and more still that have said the transition process should get underway while courts hear Trump's challenges.Below is a list of high-ranking Republicans currently in office that have congratulated Biden or called for the transition process to begin.Sen. Mike Rounds, South DakotaIn an interview with NBC News, Rounds, who won re-election earlier this month, did not directly respond to questions about Trump's claims of widespread voter fraud. However, he did say that "certain parts" of the transition team should "move forward."Sen. Marco Rubio, FloridaWhile Rubio has echoed the Trump administration's unsubstantiated claims of widespread voter fraud, falsely claiming that Republicans should be suspicious about mail-in voting. However, in an interview with Bloomberg News, Rubio said that the General Services Administration (GSA) should open up transition funds."We need to have that contingency in place," Rubio said. "I don't think allowing the GSA to move forward on some of the transition work prejudices in any way any of the legal claims the president intends to make."Sen. Ben Sasse, NebraskaAnother moderate Republican who won re-eleciton earlier this month, Sasse congratulated Biden in a statement issued to the Omaha World-Herald."Melissa and I congratulate the next president, Joe Biden, and the next vice president, Kamala Harris," the Nebraska Republican said in a statement. "Today in our house we pray for both President Trump and President-Elect Biden, that both would be wise in the execution of their respective duties during this important time in our nation."Sen. Pat Toomey, PennsylvaniaOn Nov. 10, the Republican senator told a Pittsburgh-area TV station that he thinks the Trump administration should begin the transition process."We're on a path it looks likely Joe Biden is going to be the next president of the United States. It's not 100% certain but it is quite likely. So I think a transition process ought to begin," Toomey told WTAE-TV.Gov. Mike DeWine, OhioIn an interview with CNN on Thursday, DeWine said that he recognizes Biden as President-elect, but added that the Trump administration has every right to challenge the results of the election."Look, I think that we need to consider the former vice president as the President-elect. Joe Biden is the President-elect," DeWine said. "The White House has every — the president and his campaign has every right to go into court. Our courts are open. Our courts are the best place, frankly, to adjudicate facts. We just all need to take a deep breath. There is a process for all of this. You need to follow the process. And we need to move this country forward."Sen. Mitt Romney, Utah 3371

When I was a teenager I promised myself that one day I was going to shut down #ProvoCanyonSchool & save all the children. And I am so proud that I have finally built up the courage to tell my story and live up to that promise. This is just the beginning. pic.twitter.com/saLsF1eYbM— Paris Hilton (@ParisHilton) October 11, 2020 339

When exploring mortgage options, it’s likely you’ll hear about Federal Housing Administration and conventional loans. Let’s see, FHA loans are for first-time home buyers and conventional mortgages are for more established buyers — is that it?Not necessarily.Actually, the differences between FHA loans and conventional mortgages have narrowed in the past few years. Since 1934, loans guaranteed by the FHAn have been a go-to option for first-time home buyers because they feature low down payments and relaxed credit requirements.But conventional loans — which are not insured by a government agency like the FHA, the Department of Veterans Affairs or the U.S. Department of Agriculture — have gotten more competitive lately.Both types of loans have their advantages. Here are the factors to consider when deciding between an FHA and a conventional mortgage. 886

What color is your county and state?The Harvard Global Health Institute released an interactive map on Wednesday that shows the risk of contracting the coronavirus based on daily new cases per 100,000 people.Based on Harvard's guidelines, three US states need to implement stay-at-home orders, while an additional 13 should consider them. The map has four colors – green, yellow, orange and red – to demonstrate the risk by county and state. The map shows three states – Arizona, Florida and Mississippi – in the red for where infections are high. Just two states – Hawaii and Vermont—are in the green. While Hawaii requires face coverings in public setting such as retailers despite being one of only two states without community spread, the three states in red have not implemented mandatory face coverings in public. "We've left it to the locals to make decisions about whether they want to use coercive measures or impose any type of criminal penalties. We're not going to do that statewide," Florida Gov. Ron DeSantis said on Tuesday.According to Harvard Global Health Institute, when areas are shaded red, stay-at-home orders become necessary. So far, Arizona, Florida and Mississippi have not reinstituted stay-at-home orders despite being in the red. Arizona and Florida did announce that most bars can no longer serve alcohol on site.“The public needs clear and consistent information about COVID risk levels in different jurisdictions for personal decision-making, and policy-makers need clear and consistent visibility that permits differentiating policy across jurisdictions”, said Danielle Allen, director of the Edmond J. Safra Center for Ethics at Harvard University. “We also collectively need to keep focused on what should be our main target: a path to near zero case incidence.”Thirteen states are in the orange, meaning those states should consider either implementing stay-at-home orders or conduct rigorous tracing programs, Harvard said..“Local leaders need and deserve a unified approach for suppressing COVID-19, with common metrics so that they can begin to anticipate and get ahead of the virus, rather than reacting to uncontrolled community spread”, says Beth Cameron, Vice President for Global Biological Policy and Programs at the Nuclear Threat Initiative and a member of the COVID-Local.org team. “Unless and until there is a whole of government response, with measurable progress communicated similarly and regularly across every state and locality, U.S. leaders will be left to react to the chaos of the virus - rather than being able to more effectively target interventions to suppress it. “COVID RISK LEVEL: GREEN- Less than one case per 100,000 people- On track for containment- Monitor with viral testing and contact tracing programCOVID RISK LEVEL: YELLOW- 1-9 cases per 100,000 people- Community spread- Rigorous test and trace programs advisedCOVID RISK LEVEL: ORANGE- 10-24 cases per 100,000 people- Accelerated spread- Stay-at-home orders and/or rigorous test and trace programs advisedCOVID RISK LEVEL: RED- 25 or more cases per 100,000 people- Tipping point- Stay-at-home orders necessaryClick here to view the map. 3170

When he was diagnosed with two autoimmune diseases, Joel Hechler knew he’d be in for a battle. He didn’t realize maybe his toughest one would be with his insurance company.“I think they put the dollars ahead of a patient’s health,” Hechler said. “I don’t think they fully understand the impact the medicine will have on my long-term health and well-being."Hechler suffers from Crohn’s disease and ulcerative colitis, diseases that attack the lining of his digestive tract. Autoimmune conditions like his can’t be cured but, with the right medication, the symptoms can be controlled.  Finding the right medicine can be hard for those suffering from autoimmune diseases. Even if there are scores of drugs on the market, some patients might only respond to one. In Joel’s case, his doctor thought he’d have a better chance trying a drug called Remicade.“I received a letter from my insurance company that denied the Remicade on the basis that I have to try a different drug before I can get to Remicade," Hechler said.Hechler's insurance company, Premera Blue Cross, wouldn’t approve the drug his doctor prescribed because they wanted him to try a cheaper one first.It’s part of a program that health insurers nationwide use called step therapy, requiring that patients try less-costly drugs before “stepping up” to more expensive ones — even if doctors believes the cheaper drug won’t work.Dr. Larry Adler is president of Huron Gastro in Ypsilanti, Michigan and says he spends virtually every day battling insurance companies over step therapy drugs.“They have to fail this medicine first before they get the new drug,” Adler said. “That doesn’t make any sense.”Adler says it's common for patients to get sicker while waiting for step therapy to run its course.In Hechler's case, it took six weeks of fighting with his insurer to convince them that the cheaper drug wouldn’t be effective. As he was waiting, he was getting worse.“It got to the point where I had to be admitted to the hospital,” Hechler said. "I was very, very sick.”Step therapies are used by insurers to try to control skyrocketing prescription medicine costs, says Glen Perry, Director of Pharmacy Contracting and Sales for Blue Cross Blue Shield of Michigan.“These drugs can cost up to 0,000 per year. These are not cheap medications,” Perry said.“It seems like you’re telling patients that, in many cases, your insurer knows what’s best for you, rather than your doctor,” Jones said.“We are trying to provide the most cost effective and safe medication use,” Perry said, adding that when a doctor and insurer disagree over a drug, they can usually resolve the case within a few days without putting a patient at serious risk.“A delay of one or two days I don’t think is really going to make that much of a difference for the medical outcome of the patient," he said.But for many patients, like Phyllis Toole, the delay is longer than a few days.Phyllis suffers from rheumatoid arthritis, a condition where her body attacks her joints. When her doctor wanted to put her on Orencia, her insurance company HAP said she needed to first try a less expensive drug, Humira.But Phyllis’ doctor was worried about possible side effects and thought Humira could be risky.After battling for months, Phyllis says the whole thing made her feel more like a number than a patient. With her doctor and insurer in a standoff, she was forced to rely on samples of the drug she got from her doctor. HAP never approved her prescription.“They’re playing doctor, is what it feels like,” Toole said. “They’re saying this is what you can have for the symptoms you have. It may make you sicker, but this is what you can have.”HAP issued the following statement to Scripps station WXYZ in Detroit: 3800

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