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The Borderline Bar & Grill was packed as patrons danced, watched a Lakers' game or played pool. It was country college night, and people swayed to the beat as music blared through speakers.Suddenly, a man wearing a black trench coat and glasses approached the bar entrance and shot the security guard.Inside the bar, some people thought it was fireworks or sound effects from the music, and kept dancing, witnesses said.Within seconds, witnesses said, the gunman burst into the bar with a Glock .45-caliber handgun and shot someone at the cash register. People dropped to the ground and hid under pool tables and bar stools. Some piled atop one another while others slammed bar stools against windows to break them.Those who got out ran, the sounds of rapid gunfire echoing around them in the dark."They ran out of back doors, they broke windows, they went through windows, they hid up in the attic, they hid in the bathroom," Ventura County Sheriff Geoff Dean said.By the time the gun went silent, 12 people were dead, including sheriff's Sgt. Ron Helus, who had rushed to the scene. Thousand Oaks, California, described as one of the nation's safest cities, was now on the long list of places affected by a mass shooting.  1241

TAMPA, Fla. — University of South Florida Professor Dr. Jay Wolfson and health experts around the world are studying the latest research project on the coronavirus."This thing gives us surprises almost every week. We learn something new, and it's usually unpleasant every week," said Wolfson.The new research is from Australia's National Science Agency, and it found the virus could survive and remain infectious on surfaces like glass, steel, and paper for up to 28 days."What they are concerned about, what we are all concerned about it, is if you have some viable virus on your fingers and you touch your eyes or you touch your nose or you touch your friend's eyes or nose, there's a greater risk of it being brought into the body if there's enough of it there," said Wolfson.But Dr. Thomas Unnasch, also with USF Health, says this study was done with perfect conditions for a virus to thrive."They put the virus under different surfaces and then preserve them in the dark at ideal temperatures and humidity. So it's not too surprising that under those ideal conditions, that it would last quite a bit longer than it would under normal conditions."While experts agree COVID-19 primarily spreads from person to person through droplets in the air, there is still more to understand about how it can transfer from objects or surfaces to people."People do have a proclivity to touch their face and their eyes, so if you are in a place that's not familiar to you and you are using things that are unfamiliar to you, just be careful," said Wolfson."Your own cell phone, if you are the only one using it, that's not a big deal. But door handles, faucet handles elevator buttons things like that. Wash your hands after you do that. That's a really good idea," said Unnasch.All of the experiments in this study were done in the dark. Research has shown direct sunlight can kill the virus.This story was first reported by Erik Waxler at WFTS in Tampa Bay, Florida. 1965

Target announced on Thursday that it is targeting diversity.In a press release, the retailer says they plan to increase its Black workforce by 20% in the next three years by "sharpening its focus on advancement, retention, and hiring."“The changes we’re making are going to have a meaningful impact on the careers of our Black team members and prospective team members,” said Kiera Fernandez, Vice President, Human Resources and Chief Diversity and Inclusion Officer in the press release. “A diverse and inclusive team at Target is one where there’s equity in how we promote, retain, and hire team members. Additional leadership development, training programs, and mentorship for our Black team members, along with a focus in areas of the business where our Black representation is not as strong, will offer new career development opportunities for our team for years to come. And we know the support we have for our team helps extend our reach outside our walls, creating a ripple effect that impacts our guests and communities.”The company says it plans to develop programs to hire and retain Black team members, increase its network of mentors and sponsors, and conduct anti-racist training for leaders and team members that'll "educate, build inclusion acumen, and foster a sense of belonging."The Minnesota-based company also released its latest diversity report. The Data collected in 2019 showed that 15% of workers were Black, 12% of managers were Black, 5% of Target officers were Black, and 8% of its leadership team was Black.Data also showed that its board of directors was 15% black. 1604

The average debt among undergraduate students with loans in the class of 2019 is ,950, according to a new report from The Institute of College Access and Success, a nonprofit focused on higher education research and advocacy.That debt marks a slight decrease from ,200 for the class of 2018. The percentage of students in the class of 2019 who took out loans also dropped compared with 2018, from 65% to 62%.Debbie Cochrane, executive vice president of TICAS, says these shifts align with a general flattening of debt levels in recent years, due in part to increased state investment in higher education. But this trend and that funding could end due to the economic effects of COVID-19.“These students graduated in 2019,” Cochrane says. “We’re now in the middle of an economic and health crisis that puts all those gains in jeopardy.”Average student debt over timeAverage student debt growth has slowed, but indebtedness has increased substantially since TICAS issued its initial report on the subject 15 years ago.“What’s clear is that despite the flattening in recent years, debt has not been flat in the longer period,” Cochrane says.In 2004, the average student debt was ,550 — roughly 56% less than it is for the class of 2019. TICAS says inflation was 36% over the same period of time.Average debt has increased even faster in some states. For example, TICAS found that debt among graduates in New Jersey has grown 107% since 2004, rising from ,223 to ,566.The pandemic will likely accelerate this growth.“Students who are still in college or considering college now have frequently seen their family’s ability to pay for school change dramatically because of the economic crisis,” Cochrane says.She says it’s unclear what policymakers will do to support these students.Managing federal student debtRelief is available to most federal loan borrowers, as their payments are suspended interest-free through Dec. 31.But once payments restart, if you owed the average debt of ,950, your monthly bills would be roughly 0, assuming an interest rate of 4.5% and a 10-year repayment term.That may be difficult to afford if you’re facing an economic hardship.You could continue to pause payments, but pay interest for doing so. A better long-term solution is enrolling in an income-driven repayment plan.“Income-driven plans usually can fit someone’s budget,” says Betsy Mayotte, president and founder of the nonprofit Institute of Student Loan Advisors.These plans set federal loan payments at a percentage of your discretionary income, typically 10%. Monthly payments can be Taylor Swift was once the sweetheart of Nashville and a frequent attendee of the CMA Awards.She racked up 11 wins and 26 nominations before crossing over to becoming a global pop star. Since that time she has moved away from her country roots. In fact, she has not seen a CMA nominee since 2014 when she was nominated for Female Vocalist of the Year. She is back on the CMA ballot this year not as a performer but as a songwriter. She wrote Little Big Town's chart-climber "Better Man", which is up for Single of the Year, Song of the Year and featured on a nomination for Album of the Year.Little Big Town is also nominated for Vocal Group of the Year. The Song of the Year nomination is what has Music Row talking about whether they will see Swift at this year's award show. That particular award is given to the writer of the song, not the performer.That means if the song is a winner tonight at Bridgestone Arena it would make sense to see Swift on stage to accept the award.Her last appearance at the show was just a year ago for the 50th anniversary when she presented Garth Brooks with the award for Entertainer of the Year.?Swift is in the middle of a busy week. In the past 24 hours she released the full track list for her upcoming album and also shared videos from a private listening party she had for lucky listeners at home.Swift's new album, "Reputation" drops Friday.To find out if she will make an appearance at the 51st Annual CMA Awards, tune in tonight at 7p.m. (CT) on ABC.  1518 if you earn below a certain amount.Options for private loan borrowersRoughly 16% of graduates in the class of 2019 have nonfederal loans, according to TICAS. If you’re among them, contact your lender immediately if you can’t afford payments.“I wouldn’t call after your first bill is due,” Mayotte says. “I would call before that and let them know you’re struggling.”She says you may be able to pause payments or make interest-only payments temporarily. You could also ask your co-signer for help, if you used one.Another option would be refinancing private loans at a lower rate. But you or a co-signer will need steady income and a credit score in at least the high 600s to qualify.For example, refinancing ,950 from 4.5% to 3.5% would reduce your monthly bill by and save you ,652 over a 10-year term. If you needed more wiggle room in your budget, you could refinance to a 15-year term to lower your payments by — but you’d pay ,249 more overall as a result.Use a student loan refinance calculator to help find the right repayment terms for you.If you have federal student loans, don’t refinance them until at least the payment suspension ends. Refinancing costs you access to that payment pause and other government programs like income-driven plans.More From NerdWallet2020 Student Loan Debt StatisticsIncome-Driven Repayment: Is It Right for You?How to Get Student Loan Relief During the Coronavirus and BeyondRyan Lane is a writer at NerdWallet. Email: rlane@nerdwallet.com. 4103

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