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based on the agency's religious or moral beliefs. It was the first bill to be heard at the beginning of the 2020 legislative session on Tuesday.It passed in the senate with 20 votes for the bill and six against.The bill would prohibit private licensed child-placing agencies from being required to perform, assist, consent to, refer or participate in child placement for foster care or adoption that would violate the agency's written religious or moral convictions. The private adoption agencies can't be denied an application for a license by the Department of Children's Services or any state or local grant, contract or government program on the basis of its objection due to moral convictions."This bill simply protects children to be placed in homes that agree with their stated religious and moral convictions," Sen. Paul Rose (R-Tipton) said.The bill also says private adoption agencies will be protected from civil action for damages or civil relief due to its refusal to participate in a placement that violates its moral convictions.Critics of the bill say it targets LGBT families and will be seen as unfavorable to businesses and events that want to come to Nashville."They've specifically said that in the recent past — the last six months — a number of conventions have inquired about this bill and about similar bills," Sen. Steve Dickerson (R-Davidson County) said. He voted "no" on the bill. "They have articulated they will not book future events in our state that will effect Knoxville, Memphis, Chattanooga and, of course, Nashville, predominantly," he said.The vote came after a lengthy discussion that included Senate Speaker and Lt. Governor Randy McNally R-Oak Ridge) leaving his chair to debate the issue on the House floor.CEO of the Nashville LGBT Chamber of Commerce Joe Woolley called the bill unnecessary and disappointing. He said it wouldn't stop same-sex couples from adopting children, and he had concerns about the possible economic impact."This is just blatant discrimination," Woolley said. "It makes Tennessee look like a place that isn't welcoming for people to come raise a family and work."Woolley added the chamber would continue to help connect same-sex couples with agencies that will allow them to adopt children.David Fowler, the President of the conservative Family Action Council of Tennessee, was at the Tennessee State Capitol for the vote. He said he was surprised the bill passed and believes it will have a limited impact."I don't think the bill did as much as some Christian organizations thought it did," Fowler said. "It also didn't do as much as some opposed to the bill thought it did."Fowler said the Religious Freedom Protection Act already allows adoption agencies to turn down same-sex couples due to religious beliefs.House Bill 0836 passed in Tennessee's House of Representatives last April. The Senate bill now heads to the desk of Republican Governor Bill Lee for his signature. 2948

With the Trump administration openly trying to undermine mail-in voting this fall, some election officials around the country are hoping to bypass the Postal Service by installing lots of ballot drop boxes in libraries, community centers and other public places.Such boxes have been used with success for several years in states like Oregon, Washington and Colorado that rely largely or entirely on ballots that must be sent in. But their use is being expanded because of the coronavirus outbreak and, more recently, concerns about the post office’s ability to do its job.State or local authorities in places such as Arizona, Wisconsin and Pennsylvania are pressing for more boxes or drop-off sites that would enable ballots to reach election officials without going through the mail.“Donald Trump continues to undermine the legitimacy of mail-in absentee ballots by attacking the U.S. Postal Service,” said New York state Sen. Brad Hoylman, a Democrat who is sponsoring legislation to set up drop boxes beyond the usual confines of voting sites and local election offices. “New York can hit back on this anti-democratic fearmongering by establishing absentee ballot drop boxes across the state to help ensure the integrity of these ballots.”In the potential battleground state of Wisconsin, the five biggest cities won a .3 million grant from the nonprofit Center for Tech and Civic Life to help administer the November election, including installation of drop boxes. Milwaukee Mayor Tom Barrett said his city will use some of its .1 million share to buy more than a dozen to install at libraries and other locations.Arizona’s secretary of state is ordering about 70 more for the mostly rural areas that have requested them, and a spokeswoman said some counties are also purchasing extra ones.Washington state election officials said that there are 450 drop boxes statewide, and there are discussions about adding more.Last week, the Postal Service, having cut overtime and late deliveries, began warning states that it can’t guarantee all mail ballots will be received in time to be counted. President Donald Trump, who has been sowing unfounded fears of vote-by-mail fraud for months, last week admitted blocking Postal Service funding so it would be harder to process the expected surge of millions of ballots.Democratic Rep. Mark Pocan of Wisconsin said concerns over post office delays are a big factor in communities looking to install drop boxes for the November election.“It’s another way to be completely assured your ballot is getting dropped off as if you’re going to the polls,” the congressman said. “I think you’re going to see a lot more of this happening.”Election officials in some states — mainly Republican-led ones — have come out against adding drop boxes, saying doing so would be too costly, raises security concerns or would violate state laws.In a tweet Monday, Trump sought to cast doubt on the security of such boxes, saying: “So who is going to ‘collect’ the Ballots, and what might be done to them prior to tabulation? A Rigged Election? So bad for our Country.”Typical security measures for drop boxes include video surveillance, locks, tamper-resistant seals and chain-of-custody logs that are completed each time ballots are collected.Local officials, at a minimum, should have a drop box at their main county or city office building, and it is recommended that they have one box for every 15,000 to 20,000 registered voters, according to a memo issued by federal authorities in response to the viral outbreak.The Brennan Center for Justice, a public policy institute at New York University Law School, has estimated that nearly 11,700 ballot drop-off boxes will be needed for November, at a cost of million to 7 million for purchase and installation.Washington state has boxes outside churches, fire stations, libraries, colleges, city halls, shopping centers and courthouses. In Oregon, they are not only inside libraries and government buildings but on the street outside high-traffic businesses such as Starbucks, McDonald’s and movie theaters.“The whole idea really is to meet people where they are in their everyday lives,” Amber McReynolds, CEO of the National Vote at Home Institute and a former elections official.In Pennsylvania, a federal lawsuit by the Trump campaign and Republican National Committee has cast drop boxes into a legal gray area.That was after Philadelphia and its suburbs used them — to great success, according to officials there — in the June 2 primary, when a record-smashing 1.4 million ballots arrived by mail. Democratic state lawmakers are countersuing to get a judge to clarify that drop boxes are legal.In the meantime, Philadelphia and several suburban counties plan to create satellite election offices where people can register to vote, apply for a ballot and submit it. Philadelphia wants to establish as many as 17.Suburban Delaware County is plowing ahead with its plans for drop boxes without waiting for the outcome of the legal dispute, said County Council member Christine Reuther, a Democrat. With the help of grant money, the county will buy 50 boxes and have them installed by Oct. 1.The goal of the Trump campaign’s lawsuit, said Reuther, was to “scare people away from doing this.”“We are gambling a little bit,” she said. “I think our lawyers feel pretty confident about the lawsuit.”Louisiana isn’t debating adding drop boxes, but the state’s elections chief, GOP Secretary of State Kyle Ardoin, is proposing to allow parishes to set up curbside drop-off stations where people can hand their absentee ballots to someone in person rather than put them in the mail.North Carolina has no plans to install boxes, and Oklahoma doesn’t use them either, though voters can drop off ballots at one location in each county. But the state plans on printing green return envelopes to help postal workers more easily identify mail-in ballots and give them priority.Ohio will have a single drop box in each of its 88 counties. Secretary of State Frank LaRose, a Republican, said he would need legislative authority or clearance from the attorney general to add more.State Sen. Nickie Antonio, a Democrat from suburban Cleveland, said LaRose’s stand “reeks of partisan politics.”____AP state government reporters around the country contributed to this report. 6351

against a school district alleging they failed to address bullying, racism and her son’s special needs.Rebecca Ligler’s son Elijah, a 16-year-old sophomore at Noblesville High School, was involved in a fight with another student on Sept. 25.The altercation was captured on cellphone video and posted on social media.As a result of the fight, Elijah was expelled and can’t return to the district until July 31, 2020, records show.The video was used as evidence in Elijah’s expulsion. 484

Your credit card issuer can lower your credit limit at any time, regardless of how well you manage your account. Issuers might cut credit limits to minimize risk in an uncertain economy, as many cardholders have experienced during the COVID-19 pandemic in 2020. Or they may do it when cardholders regularly use what the issuers see as too much or too little of their available credit.Credit card companies determine your credit limit by evaluating several factors, like your credit score, your income, the available credit you already have and how much of that existing credit you’re using. Ultimately, though, they can increase or decrease limits whenever they want.When can a credit card issuer reduce my credit limit?Although credit card issuers can lower your limit at any time, they are most likely to do so when:You use too much of your available credit: When a cardholder regularly maxes out their credit limit or carries high balances, credit card issuers may view it as a sign of financial trouble. As a result, they may cut your credit limit going forward to minimize their own risk. This is especially true if you start paying late or missing payments.When the card is inactive or seldom-used: The company that issued your credit card makes money only if you use the card. (That money comes from transaction fees and, if you carry a balance, interest.) If you rarely use it, the issuer may be inclined to reduce your limit and, effectively, allocate that available credit to someone else who’s more likely to generate income for the issuer. If you let your card sit for too long without using it at all, your issuer might close your credit card entirely, leaving you with a potentially damaged credit score and no card to use.When the economy is uncertain: Credit card issuers have been known to reduce credit limits to minimize their risk when the economy is uncertain. Most issuers cut credit limits during the Great Recession, according to a survey by the Federal Reserve. They also did so in response to the COVID-19 economy.Can credit card companies lower your credit limit without notice?Credit card companies are not required to notify you about lowering a credit limit unless it will lead to an over-the-limit fee, which is unlikely since many issuers no longer assess this fee. In most cases, credit card companies are required to notify you 45 days ahead of time about any changes to your account’s terms and conditions, but this is one exception.Though credit card issuers aren’t obligated to notify you about a credit limit decrease, it’s common for them to do so. If you do receive such a notice, it might include a reason why the issuer trimmed your credit limit. You might even be able to ask to keep your current credit limit, depending on the reason for lowering it.Can I avoid credit limit reduction?You might be able to avoid a credit limit reduction, but it will likely depend on your issuer and your track record on managing your credit. The best attempt at avoiding one is to contact your issuer as soon as you learn that your credit limit is changing. You have nothing to lose by asking the company to consider keeping your prior credit limit.If you’re on the brink of maxing out your credit card or you’re using a lot of your available credit, it may be more difficult to persuade your issuer to leave your credit limit alone. Cardholders whose limits were slashed due to inactivity may have better luck.Act fast to contact your credit card issuer as soon as you get notice, if you get any. If you wait too long, you might have to undergo a credit check to get a credit limit increase, and there’s no certainty that you’ll get bumped back up to your previous amount.Will a decreased credit limit affect my credit score?A lower credit limit can affect your credit score if it materially changes your credit utilization ratio, the percentage of your available credit you’re using. Utilization is a key factor in your credit score. A rule of thumb is to use less than 30% of your available credit.Even if a reduced limit pushes you over that percentage, the effect doesn’t have to be permanent. Stay on track with payments and get your debt down, and your credit can recover.More From NerdWallet6 Credit Card Scams and How to Avoid ThemIs It OK to Never Have a Credit Card?Today’s Definition of Financial Adulthood Is More Flexible Than EverMelissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. 4485

according to a hospital spokesperson.The masks were sold to Holy Name Hospital in Teaneck. Bergen County, where the hospital is located, is the county in New Jersey with the most COVID-19 cases.N95 masks are regulated by the National Institute for Occupational Safety and Health, the spokesperson said. But Holy Name couldn't verify NIOSH certification for this particular batch of masks.Clinicians test supplies at the hospital before they're distributed. They found that the batch of masks would not have adequately protected workers.The hospital sent the masks back to the vendor, though, and later received a new shipment of certified masks.The supply of N95 masks has become a key issue for medical officials and elected officials, with many urging civilians to save them for healthcare workers that are in desperate need of them.This story was originally published by Corey Crockett and Aliza Chasan on 911

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