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Though most people who protect themselves with a coronavirus vaccine will never develop serious side effects, such rare cases are barred from federal court and instead steered to an obscure program with a record of seldom paying claims.The Countermeasures Injury Compensation Program, which was set up specifically to deal with vaccines under an emergency authorization, has just four employees and few hallmarks of an ordinary court.A law professor who has studied the program calls it a "black hole," paying fewer than 1 in 10 claims in its 15-year history.According to the Associated Press, decisions are made in secret, claimants can’t appeal, and most payments in death cases are capped at 0,376.AP reported that most of the claims happened when Americans were given the H1N1 swine flu vaccine, and only 29 out of 499 people were awarded money.Although the National Institutes of Health is reportedly planning to study the reactions, 1 million Americans have already been vaccinated. According to the Centers for Disease Control and Prevention, six Americans as of Dec. 18 were identified as having a strong allergic reaction to the Pfizer/BioNTech vaccine.According to the CDC, two people in the U.K. reported having a strong allergic reaction as well.The CDC says people may still get vaccinated even if they have a history of severe allergic reactions not related to vaccines, like allergies to food, pet, or latex. 1434
Title insurance: It’s another one of those mysterious fees buried inside the pile of paperwork you’ll receive at your loan closing. Who knows what it’s all about? All you’ve figured out is that lenders require a policy for their protection, and either you or the seller will have to pay for it — and then you’ll be asked if you want an owner’s title policy, too.Here’s how title insurance works, how to decide whether you need your own policy, and how much you can expect to pay. 492

This is the beginning of Packer's second signed confession. The entire document is on display at the Hinsdale County Courthouse. 137
'Tis the season for spicy lattes, fast food turkey sandwiches and pumpkin-flavored everything.If you're a fan, you'd better act fast: They won't be around for long.That's by design. Seasonal items are an important marketing tool for the food industry, according to Alexander Chernev, a professor of marketing at Northwestern University's Kellogg School of Management.Limited releases almost give consumers a Pavlovian response. For example, when the weather turns colder, Starbucks customers habitually get excited about Pumpkin Spice Lattes. In November, customers come in to check out the new holiday cups."When you have these exclusive products, which exist for a short period of time, it gives people a reason to come to the store," Chernev explained.It's not just Starbucks that comes out with seasonal specials: Dunkin' Donuts announced a whole slew of pumpkin-flavored treats in August. McDonald's is getting ready for winter with the McRib. As the holiday season gets into full swing, we'll be sure to see Santa on Coca Cola bottles, turkey sandwiches from Subway and more. In the spring, it'll be Girl Scout cookie time.Related: The McRib is back at McDonald's For fast food chains in particular, which rely on familiarity, holiday items can offer consumers some variety."You need consistency because that's the brand mantra," said Chernev. "But no matter how much you like something, consuming something different ... increases the enjoyment of what you consumed before."Chernev says it's a neat marketing ploy: Although a specialty item may be exciting on its own, it can also remind consumers how much they like the basics.Seasonal offerings can also give brands a chance to test a new product. When Starbucks announced the return of the Pumpkin Spice Latte this year, it also unveiled the Teavana Pumpkin Spice Chai Tea Latte.And Chernev pointed out that seasonal menu items mean brands have something new to talk about every quarter.Starbucks says that's part of the rationale behind its seasonal drinks"We strive to provide our customers with unique, seasonal offerings to celebrate each season, and customer response has been extremely positive to that," a company spokesman said.Related: Hey, latte fans: Maple is having a moment this fallThere are some basic supply-and-demand economics behind limited-time releases too: Scarcity can build hype."It's a way to create excitement for the menu," said R.J. Hottovy, a consumer strategist for Morningstar.Items that might be popular for a few months probably wouldn't generate enough year-round demand.For example, when the McRib debuted in 1981, it was a dud. McDonald's pulled it from its menu four years later. Though it never achieved nationwide success, there were parts of the country where the McRib generated a solid enough fan base to bring it back every now and then."There's a lot of mystery around why the McRib comes and goes, but to be honest it's a local option based on consumer demand," a McDonald's spokesman said.The McRib works very well in the Midwest, but doesn't necessarily work as well in the coastal areas, Hottovy noted. That's why it makes sense to restrict the amount of McRibs that go on sale.Hottovy explained that sales typically rise for a short time when companies unveil seasonal items. But after a few weeks, that demand drops off after the core fans of the limited time product are satisfied.So enjoy your Pumpkin Spice Latte while it lasts. And let's be honest, you probably wouldn't want one in April.The-CNN-Wire 3526
This year's National Voter Registration Day was the largest in history, in part, because businesses assisted people to register or update their information. Many businesses say it's their duty to help people vote.Tanger Outlets in cities such as Daytona Beach, Florida, San Marcos, Texas and Savannah, Georgia, held registration events for shoppers coinciding with National Voter Registration Day. This year, records were smashed on National Voter Registration Day as 1.5 million voters registered, and hundreds of those were through the Tanger Outlet event.“It spoke to the traffic that the center saw that particular day, but we’re going to make this an annual event because of the returns they got,” says Stephen Yalof, president and chief operating officer of Tanger Outlets.“We’re very youth oriented, youth conscious in that we feel like the younger people in America have a voice and we want to make sure that we get a hold of them and make sure that they register and have a chance to have their voices heard when it comes to voting,” says Yalof.Tanger is just one of the many businesses that felt the need to get involved.“We’re very clear; we’re an ice cream company but we believe with adding a little bit of sweetness to assist the groups who are working on the front line who work to bring systemic change in the world,” said Jabari Paul, U.S. activism manager for Ben & Jerry'sBen & Jerry's, he says, does so much more than make and sell ice cream.“People can walk into our shops and there’s usually information somewhere up in the shop that informs you of the issues we care about, the issues our partners are working on," Paul said.These days, Paul says, that issue surrounds voting. Their "Scoop Shops" around the country are also called "action stations." Part of the campaign involves sending a text to easily check your registration status.“We believe businesses have a role to play in helping create a better society and that role can go far beyond corporate giving, and businesses have a huge platform they can lend in terms of uplifting very important issues,” says Paul.“You’ve seen so many people this year step it up, and I think you know, we’ve had some good corporate partners and efforts simply because people want to do their part and it's needed,” Ben Hovland, chairman of the U.S. Election Assistance Commission, said.The bipartisan, independent group focuses on elections and how they're run around the country. In the early days of the pandemic, there were serious drops in registration because places where people register, like the DMV, were closed. So, Hovland says, the help from businesses is critical.“This year you saw a lot of - a real outpouring of community participation, both government officials, the EAC is a partner in that effort,” Hovland said. “Civic groups, also corporations, celebrities, sports teams just promoting this idea of voter registration and for people to get registered.”Depending on where you live, you may still be able to register or update your registration, which is critical to being able to make sure your vote counts. 3107
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