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Where the Mississippi River nears its end, sits a city that nearly faced its own end.“It’s a different kind of place,” said Louisiana native Hosea LaFleur.Nearly 15 years after Hurricane Katrina, New Orleans remains a city where the past never strays too far from the present. The storm is still felt by every homeowner here on their homeowners’ insurance bills.After the storm, insurance companies no longer wanted to offer homeowners insurance in parts of Louisiana that were vulnerable to hurricanes. They thought it was a money-loser.So, the state created Citizens Insurance. Initially controversial, it was funded by all the property owners in the state, including people who didn’t live anywhere near the damaged areas.“That certainly was a hard sell for those folks,” said Louisiana Insurance Commissioner Jim Donelon.Louisiana’s Citizens Insurance eventually helped stabilize the insurance market after Katrina and attracted more than 30 new insurance companies to the state. The number of homeowners on Citizens has also since plummeted, from 174,000 in 2008 to about 38,000 today, representing about 0.4 percent of the market there.“The policyholders are contributing fees, as well as the companies writing business contribute fees,” said Joey O’Connor, owner of the O’Connor Insurance Group and president of the Independent Insurance Agents and Brokers of Louisiana.Hosea LaFleur’s coastal home is on Citizens Insurance.“Just fell in love with it,” he said of the home. “Fell in love with the people, the things, the atmosphere.”It’s been hit by hurricanes twice: first Katrina in 2005 and then Gustav, three years later.“Knocked our walls down, everything down,” LaFleur said.Despite the repeated rebuilding, he wouldn’t dream of giving it up.“It's home to us,” LaFleur said. “We love it. We love everything about it.”Robert Allen is an adjunct professor at the School of Professional Advancement at Tulane University. His courses specialize in risk management and threat assessments. “That's going to start adding up,” he said, of rebuilding in vulnerable natural disaster areas. “Who foots the bill at the end of the day? You do. I do. Everybody else does.”Last year, the U.S. experienced 14 separate billion-dollar natural disasters: two hurricanes, two winter storms, eight severe storms, wildfires and a drought.From California wildfires to Midwest floods to coastal hurricanes, Allen said that as some insurance companies pull back from covering some areas, taxpayers will need to figure out if they want to keep footing the rebuilding bill.“At the end of the day is going to come down to money,” he said. “I mean, how much money is being put into that and at what point again do you decide this is enough?”Allen said one idea that’s been floated is to create a federal natural disaster insurance program, similar to the national flood insurance program. Taxpayers everywhere would be responsible for keeping it solvent.“There was talk or there is some kind of undertones about doing that with all hazards threats -- like doing that with the fires and just underwriting some of this stuff,” Allen said.It’s a challenge that taxpayers will have to confront, if they chose to rebuild areas hit over and over again by nature’s fury. 3259

Watch live: Tune into a live stream of the debate in the video player below. Setting the stageThe first Democratic Party debate for the 2020 election cycle will include a record 20 participants with 10 candidates on stage at once. The debate will be divided between two nights - this Wednesday and Thursday. The debate will be aired on NBC, MSNBC and Telemundo from 9-11 p.m. ET both nights. The debate will be moderated by Savannah Guthrie, Lester Holt, Chuck Todd, Rachel Maddow and José Diaz-Balart. The rulesCandidates will have to talk fast as each candidate will only get 60 seconds to respond to each question and 30 seconds for follow-ups, according to NBC News. The candidates will not be afforded an opening statement, but will be allowed to deliver a closing statement. The candidatesThe Democratic National Committee used both polling and fundraising criteria to extend invitations to this week’s debate. Candidates needed to either have 65,000 donors or have at least 1 percent of the vote in a series of polls. The qualifying candidates were then split into two groups based on polling numbers. From there, the candidates were randomly picked for the two nights. Here is the lineup for Wednesday’s half of the debate: Sen. Cory Booker of New JerseySen. Elizabeth Warren of MassachusettsFormer Rep. Beto O'Rourke of TexasSen. Amy Klobuchar of MinnesotaFormer Rep. John Delaney of MarylandRep. Tulsi Gabbard of HawaiiFormer Housing Secretary Julián CastroRep. Tim Ryan of OhioNew York City Mayor Bill de BlasioWashington Gov. Jay InsleeHere is the lineup for Thursday’s half of the debate:Sen. Bernie Sanders of VermontSen. Kamala Harris of CaliforniaFormer Vice President Joe BidenMayor Pete Buttigieg of South Bend, IndianaSen. Michael Bennet of ColoradoAuthor Marianne WilliamsonRep. Eric Swalwell of CaliforniaSen. Kirsten Gillibrand of New YorkEntrepreneur Andrew YangGov. John Hickenlooper of Colorado.Why such a large field? One reason is many Democrats see an opportunity to win in 2020 with Trump’s disapproval rating consistently above 50 percent, according to Gallup. A second reason is that the DNC has changed its nominating rules, taking power away from so-called “Super Delegates” and allowing the primaries and caucuses to solely decide the party’s nominee. Isn’t this early for a debate?While the Democrats did not hold their first debate until 13 months before the general election in 2016 (there are still 16 months between now and the 2020 general election), that was relatively late. In 2008, the Democrats held their first debate more than 18 months before the general election. The Republicans held their first debate in 2016 less than 15 months before the election. In 2012, the GOP had its first debate 18 months out from the general election. In that case, it might have been a case of being too early. The May 2012 debate did not draw eventual nominee Mitt Romney to the stage. What the polls say?Like the Republicans in 2016, the Democrats have such a large field, all of the candidates could not fit on one stage. Unlike the Republicans, the Democrats opted to divide candidates between two debates at random rather than holding an “undercard” debate. But if polling is any indication, Thursday has the stronger candidates. Four of the top five candidates will be on the stage on Thursday, according to last week’s poll released by Mammoth University. Frontrunner Joe Biden along with Sen. Kamala Harris, Sen. Bernie Sanders and Mayor Pete Buttigieg will share a stage Thursday. Sen. Elizabeth Warren is the only candidate among the top 5 who will be on stage Wednesday. What will be discussed?President Donald Trump, obviously. A Mommouth University poll from February showed that electability is a strong consideration for Democrats. Of those surveyed, 56 percent of Democrats said that they would prefer a candidate who could beat Trump rather than a candidate they would agree with. Just 33 percent said the opposite. With that in mind, it is safe to say some candidates will go after Trump rather than trying to win points with policy. That doesn’t mean Democrats on the stage won’t be challenged. Will Biden be challenged on his comments about working with senators who supported segregation? Will Buttigieg be asked about his handling of a recent police-involved shooting in South Bend, Ind? What about Sanders’ plan to erase student loan debt in the US? These are all likely questions to come up. When are the primaries and caucuses?The first caucus is in Iowa on February 3. The first primary is eight days later. Arguably the most important day will be March 3 when at least 14 states are slated to vote. 4668

We will always carry the memories of Gene, Jesus, Trevor, Dana and Dale in our hearts. I thank my colleagues for joining me in a moment of silence on the House floor today. 185

WESTERVILLE, Ohio - Former Vice President Joe Biden said on Tuesday at the Democratic presidential debate that he and his son Hunter did not commit any wrongdoing by advocating for the dismissal of a Ukrainian prosecutor while his son was employed by a Ukrainian company under investigation. "My son did nothing wrong," Biden said. "I did nothing wrong. I carried out the policy of the United States government in rooting out corruption in Ukraine. And that's what we should be focusing on."The issue did not get much airplay on Tuesday from other candidates. The only candidate who was asked about Biden's conduct was Sen. Bernie Sanders, who opted not to attack Biden. In 2016, Sanders also did not go after opponent Hillary Clinton for her handling of government emails on a personal server. But it appeared at least one other candidate wanted to expound on Biden's conduct as moderators moved on. One of the candidates who tried to interject could be heard saying, "It is wrong to move on."Candidates agree on impeachmentThe opening question at Tuesday’s debate was on why President Donald Trump should be removed from office instead of waiting for voters to decide next November. All 12 Democrats on stage have come out in support of impeachment of Trump.Several candidates, including Sanders and Biden, said that Trump is the “most corrupt president in history.”Among those on stage, there were six current members of Congress. Among them are five U.S. senators who could be asked to consider convicting Trump and removing the president from office. “The president has not been putting America ahead of his own interests,” Minnesota U.S. Senator Amy Klobuchar said. The candidates agreed that Trump’s phone call to Ukraine’s president was an impeachable offense. While the candidates agreed that Trump crossed a red line, some of the candidates cautioned fellow Democrats. "If the House votes to impeach, the Senate does not vote to remove Donald Trump, he walks out and he feels exonerated, further deepening the divides in this country that we cannot afford," said Congresswoman Tulsi Gabbard, who said Democrats should accept that Trump won the 2016 election. Warren refuses to say 'Medicare For All' would increase taxesMassachusetts Sen. Elizabeth Warren, a supporter of "Medicare For All," was pressed on whether taxes would go up under her plan. Warren refused to say that middle class taxes would go up, instead saying that costs would go down. "I have made clear what my principles are here. Costs will go up for the wealthy and big corporations,” Warren said.South Bend Mayor Pete Buttigieg said it was a simple yes or no question that Warren refuses to answer. "That didn't get a yes or no answer,” Buttigieg said. “This is why people here in the Midwest are so frustrated with Washington in general and Capitol Hill in particular.”Sanders, also a supporter of "Medicare For All," said that it is fair to say taxes would go up with the plan. "As somebody who wrote the damn bill, let's be clear: Under the Medicare For All bill I wrote, premiums are gone, co-payments are gone, deductibles are gone. All out of expenses are gone," Sanders said.Sanders said that a "Medicare For All" plan would cost trillion over 10 years. Overall, Americans spend .5 trillion in healthcare per year, the Congressional Budget Office says. But the CBO could not put an estimate on exactly how much the average person would spend with a Medicare-for-All system. A CBO report says a number of factors, such as whether state governments will pay into the system and whether citizens can opt out of public insurance all options, would affect costs.The CBO states that the federal government has lower administrative costs than private insurance. The cost to administer all of Medicare was 6 percent, compared to 12 percent for private insurers in 2017, the CBO says.The CBO added that administrative costs could decrease even further as a Medicare-for-All system would have fewer eligibility exclusions.Protests line streets near the debateHundreds of protesters supporting Trump and other Democratic candidates lined the streets of Westerville as debate attendees walked by. At times, police officers used bicycles to push protesters back onto the sidewalk. Most of the protesters remained several city blocks away as the debate was held at a private university. 4377

WASHINGTON, D.C. – The U.S. Department of State has issued a level 4 travel advisory, advising Americans to avoid all international travel due to the global impact of COVID-19, the illness caused by the new coronavirus. Thursday afternoon, DOS said that if U.S. citizens are in countries where commercial departure options are still available, they should arrange for immediate return to America, unless they are prepared to remain abroad for an indefinite period of time. Travel Advisory: Level 4 - The Department of State advises U.S. citizens to avoid all international travel due to the global impact of 620