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LOUISVILLE, Ky. (AP) — Bob Baffert is seeking a fifth victory in the Kentucky Derby and he's got the favorite, too.Justify is the early 7-2 favorite for Saturday's 144th Run for the Roses that features a full field of 20 colts. Baffert trains Justify, who has just three starts, and longshot Solomini.Justify, along with undefeated Magnum Moon, didn't race as 2-year-olds. They'll be trying to disprove an old jinx: No horse since Apollo in 1882 has won without racing as a juvenile.KENTUCKY DERBY: Why you?shouldn't miss sports' most exciting two minutesTodd Pletcher will saddle four horses: Audible, the co-third choice at 6-1, along with longshots Magnum Moon, Vino Rosso and Noble Indy.History would be written if Ireland-based Mendelssohn pulls off a victory. No European colt has ever won the Derby.The forecast calls for a chance of rain at various times Saturday. Post time is 6:46 p.m. ET. 907

Michael Hayden, a former director of the CIA and National Security Agency, suffered a stroke earlier this week, his family said Friday.In a statement, the family said Hayden, 73, suffered the stroke at his home and was hospitalized but did not provide details about the stroke's severity."He is receiving expert medical care for which the family is grateful," the statement said.CIA Director Gina Haspel offered wishes on behalf of the agency Friday afternoon for a "speedy recovery.""Mike's long career of public service & commitment to national security continue to be an inspiration to all intelligence officers. Our thoughts are with Mike, Jeanine, & their family," Haspel said on Twitter.Hayden, a retired four-star Air Force general who is now a CNN national security analyst, served during both the George W. Bush and Obama administrations. He retired as CIA director in 2009.Since then, he has been a vocal critic of both the Obama and Trump administrations.In 2014, he criticized President Barack Obama's reliance on airstrikes to combat ISIS, saying it showed a lack of commitment, and he said Donald Trump represented a "clear and present danger" during the 2016 campaign.Since Trump took office, Hayden has remained a vocal critic of the President. In August, he said he "would consider it an honor" if Trump revoked his security clearance following the President's decision to pull the access of former CIA Director John Brennan, who also has harshly criticized Trump. 1497

Miami Heat star Dwyane Wade made the game-winning shot in a game against the Philadelphia 76ers Tuesday night while wearing shoes with a tribute to one of his biggest fans. 180

Many colleges are welcoming students back for in-person learning and dormitory living this fall semester. Looming over everything: Campuses could shut back down at any time.With COVID-19 cases still high, many colleges are developing shutdown contingency plans alongside their reopening arrangements.At the same time, the pandemic is fueling new debate about whether colleges should charge the same tuition for online and in-person classes. Tuition typically covers the cost of instruction — salaries, software, labs and such — and that cost at many schools may have increased.The University of North Carolina Wilmington, as an exception, has a different cost structure for online, hybrid and in-person classes. Still, it announced that students won’t receive a tuition refund if in-person classes move online this fall. And, after the pivot from its sister school at Chapel Hill, it told students to prepare for a similar transition if cases rise.That leaves freshman Owen Palmer weighing the possibility that the education he is paying for may not be the one he gets. “I’m taking a risk because (the university) mentioned they can’t do refunds,” says Palmer. For him, the risk is worth it, but he does wonder what he’ll do if the campus has to close.Here’s what he and other students can expect as the fall shapes up.Don’t expect a break on tuitionSome schools have cut tuition. Hampton University is offering students a 15% discount, bringing undergraduate tuition to ,519. Other schools are offering additional scholarships and grants.But tuition decreases and additional aid aren’t the norm.“If I had to make bets, I would say a lot of colleges will be (freezing tuition) until they get a better sense of the economy,” says Arun Ponnusamy, chief academic officer at the college admissions and application counseling company Collegewise. “But there will be other colleges that say, ‘We need money to run this school.’”That may be happening already. George Mason University in Virginia approved a tuition increase of 0. The University of Michigan approved a 1.9% tuition increase. Both schools are planning a mix of online and in-person instruction.Meals and housing refunds likelyMany colleges aren’t publicizing their shutdown contingency plans — or how refunds will work. But students can look to how their school handled refunds in the spring to gauge how fall might play out.Florida Agricultural and Mechanical University gave refunds for on-campus housing and meal plans, says William Hudson Jr., the school’s vice president for student affairs. If the campus has to shut down this fall, Hudson says the refund structure “would probably be the same.”Other colleges also offered direct refunds for students. For example, Temple University automatically deposited partial refunds for room and board in students’ bank accounts. The University of North Carolina Wilmington gave prorated refunds for room and board.But some colleges opted for account credit instead.The University of Arkansas refunded about 20% of room and board costs to student accounts. They haven’t announced an official plan in case of a fall shutdown, but staff members expect it’ll be the same.The University of Alabama offered a prorated refund for room and board, and parking. Students could take a cash refund immediately or apply that amount and an extra 10% as an account credit for the fall.How can you prepare?If you’re planning to return to campus housing, contact your school and ask about its shutdown contingency plans. You’ll want to know what factors would cause it to shut down again. This could be a campus COVID-19 outbreak of a certain size, an increase in local cases or other factors.You can’t stop a campus shutdown, but if you know the metrics your school is looking at, you can anticipate it and react more confidently.Make backup plans for housing if your campus closes. Determine if you’ll go home, stay with a friend, get your own apartment or something else. Communicate your intentions with those you plan to stay with or scope out affordable apartments in advance. That way, if the campus shuts down suddenly, you know exactly where you’ll go.Ask your college about emergency funds and grants if a campus closure will cause you financial hardship. Many colleges have funds available for students.Plan how you’d use a refund. If your school offers a direct refund, consider whether you’ll need that money for living expenses. If you don’t need the money for living expenses, send the refund back to your student loan servicer. Doing so will keep your overall loan balance down and save you money in the long run.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisCollege During COVID-19: Your Aid Questions AnsweredStudent Loan Borrowers: Don’t Wait on Congress for More ReliefCecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 4902

Many school districts around the United States have yet to declare what the upcoming school year will look like for students, whether they’ll be heading back into a school building to learn or continue remote learning. Some districts could offer a combination of both.However, as school districts and elected leaders mull over a decision, more and more parents around the country are starting to look into the idea of micro-schooling.“On March 13, our kids jumped off the school bus. Altogether, there’s nine of them in our neighborhood,” said Jennifer Quadrozzi, who lives in Massachusetts. “They were super excited. It sounded like a vacation to them. They had two weeks off, but that turned into the rest of the school year.”Quadrozzi and her 7-year-old daughter spent the end of the school year and all summer socially distancing with a group of parents and kids in their community.“We call ourselves ‘The Bubble,’” said Quadrozzi.To keep her daughter protected in their bubble, she has become one of the many parents around the country considering micro-schooling for the upcoming school year.“Right now, there are three families that are considering it. That age range would be from first grade to third grade, and we would follow the curriculum that was developed by our community, our schools,” added Quadrozzi.With micro-schooling, a few families join together to create a homeschooling pod. Quadrozzi is planning on converting her daughter’s playroom into the classroom. They’re leaning towards paying an educational facilitator to teach the children during the week.“That could be anyone from a retired teacher, to a teacher’s aide, to anyone who got laid off,” said Quadrozzi.One of the concerns around micro-schooling pods is that there are many parents who can’t afford to pay someone else to teach their kids. However, there are some parents finding a way to make micro-schooling pods more affordable.“I am a stay-at-home mom and I realize I am very fortunate to be able to do that, but the other parents in our pod are working parents,” said Gentel Larochelle.Larochelle’s pod has each parent teaching their group of five kids, one day of the week.Not only is their micro-schooling pod model more cost-effective, but it frees up time for some parents who have to work.“If this is something that parents want to do, the options are there for them it just takes a little creativity and a little bit of sacrifice,” Larochelle added.Pods can be formed, organically, with your friends and family, or there are Facebook groups now forming in almost every state around the country where parents are making connections.These two Massachusetts moms have learned the key to creating a pod is starting your search early. You’ll need time to talk with other parents that may be in your group about mostly creating a set of rule or pact for your pod, especially around social distancing outside the created classroom. Because the main reason for micro-schooling is to give kids some socialization while reducing their health risks.“My genuine hope is that this is a one-year thing and that by next fall, things are much, much different,” said Larochelle. 3165

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