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Average rates on long-term mortgages continue to fall to new record lows, as the key 30-year loan dropped below 3% for the first time in 50 years. The stagnant economic recovery in the face of the coronavirus pandemic is keeping inflation tamped down despite pent-up homebuying demand. Mortgage buyer Freddie Mac says the average rate on the 30-year home loan fell this week to 2.98% from 3.03% last week. These are the lowest levels since Freddie Mac began tracking averages in 1971. The rate averaged 3.81% a year ago.In their update, Freddie Mac says the low rates has led to increased homebuyer demand. Meanwhile, according to the Mortgage Bankers Association, refinancing applications increased recently, about 12 percent in the last week. However, Freddie Mac warns that with an increase in coronavirus cases, the economy can stagnate and cause temporary job layoffs to possibly become permanent. The average rate on the 15-year fixed-rate mortgage declined to 2.48% from 2.51%, from last week. 1008

As some companies consider making work-from-home permanent, others see the value in creating a workplace for employees. "We've always been flexible in our workplace, we've always allowed people to work from home if they want, and what we learned is that people do want a place that is their own that we can come into," said Reid Carr, CEO of the marketing agency Red Door Interactive. After years of leasing an office in downtown San Diego, the company wanted to create its own space, designed to foster collaboration and growth."We were excited when we found it, we had a vision for how this whole process was going to go down," said Carr. The company purchased nearly half an acre of property to create a campus-style workplace. But after the pandemic hit, they overhauled the design to ensure it was a space employees not only wanted to go to but could feel safe in.The new campus will incorporate touchless features throughout the buildings, like doors and water bottle filling stations. They're creating outdoor meeting spaces with heaters and shades so that they can be used year-round. And inside, they're investing in the best available HVAC systems for air filtration."I'm learning at all this stuff as we go, but we're looking at hospital grade stuff. The perspective we took is there's always going to be flus and colds, so why not do these things that will help keep people from spreading disease," said Carr. In addition to having their own socially distanced desks, employees will have designated areas separate from visitors, including the kitchen. One building will be the epicenter of conference rooms so they can be easily cleaned more frequently."Certain things never change. You want to feel like you belong to something, you want to connect with people," said Carr. The company plans to break ground on its new campus in early September, with plans to complete the project in April 2021. 1916

At Tuesday’s presidential debate, President Donald Trump complained that poll watchers in Philadelphia were denied access to early voting in the critical battleground state.“I’m urging my supporters to go into the polls and watch very carefully because that’s what has to happen,” Trump said. “I am urging them to do it. As you know, today there was a big problem. In Philadelphia, they went in to watch. They’re called poll watchers, a very safe, very nice thing. They were thrown out. They weren’t allowed to watch. You know why? Because bad things happen in Philadelphia. Bad things.”Poll watching is generally a commonly-accepted democratic practice employed throughout the US. But there are questions on what constitutes a polling site.In Pennsylvania, voting centers are not considered polling locations. Early voting centers are locations where voters can pick up a mail-in ballot and can complete and return the ballot on-site. Voters have the option of taking the ballot home and returning it before the election.“We don’t give someone a poll watcher certificate to … watch somebody fill out their ballot at their kitchen table,” Republican Philadelphia City Commissioner Al Schmidt told the Philadelphia Inquirer.While poll-watching laws vary by state, the practice is generally accepted, but it has limits. According to the National Conference of State Legislatures, poll watchers are to take a hands-off approach.For instance, poll watchers should not talk to voters, interfere with the voting process or campaign while on-site. Poll watchers, however, can watch for irregularities and report them to elections officials and political campaigns.There are generally limits on the number of poll watchers a campaign or party can designate. An accreditation process in 40 states means an ordinary citizen cannot walk into a polling site without some level of training, according to the Carter Center. "This process is led by local party chairs, candidates, or ballot issue groups and can require approval by election officials or the secretary of state’s office," the Carter Center said.Some interpreted Trump’s call for poll watchers as a voter intimidation tactic."Trump also told 'his supporters' to 'go into the polls and watch very carefully,'" said Nevada Attorney General Aaron Ford on Twitter. "But he wasn't talking about poll watching. He was talking about voter intimidation. FYI, voter intimidation is illegal in Nevada. Believe me when I say it: You do it, and you will be prosecuted."A hands-off approach is what differentiates someone engaging in legal poll watching and illegal voter intimidation. While poll watching laws are regulated at the state level, there is a federal law against voter intimidation.“Whoever intimidates, threatens, coerces, or attempts to intimidate, threaten, or coerce, any other person for the purpose of interfering with the right of such other person to vote or to vote as he may choose, or of causing such other person to vote for, or not to vote for, any candidate for the office of President, Vice President, Presidential elector, Member of the Senate, Member of the House of Representatives, Delegate from the District of Columbia, or Resident Commissioner, at any election held solely or in part for the purpose of electing such candidate, shall be fined under this title or imprisoned not more than one year, or both,” the law reads.To learn more about each state’s laws on poll watching, click here.Justin Boggs is a writer for the E.W. Scripps National Desk. Follow him on Twitter @jjboggs or on Facebook. 3576

As we drive down the eerily deserted Hong Kong-Zhuhai-Macau Bridge, the murky waters of the Pearl River Delta stretch as far as the eye can see. There is no land in sight.Spanning 34 miles (55 kilometers), this is the longest sea-crossing bridge ever built. Guo Xinglin, assistant director and senior engineer at the Hong Kong-Zhuhai-Macao Bridge Authority, meets us half way along. As we are buffeted by a strong wind, the tough conditions his construction crew experienced, as they perched on precarious platforms, working miles from land and high over the water, are evident.Guo is visibly proud of his country's monumental achievement. 647

ATLANTA, Ga. – U.S. Rep. John Lewis has died at the age of 80.The congressman and civil rights icon had been undergoing treatment in his battle with stage 4 pancreatic cancer.Lewis, a Democrat, served 17 terms in the House of Representatives, representing Georgia’s 5th congressional district since 1987.House Speaker Nancy Pelosi confirmed Lewis’ death after several reports Friday night, saying “Today, America mourns the loss of one of the greatest heroes of American history: Congressman John Lewis, the Conscience of the Congress.”Along with Martin Luther King Jr., Lewis was one of the “Big Six” civil rights activists who organized the March on Washington in 1963. Lewis was perhaps best known for leading hundreds of protesters in the Bloody Sunday march across the Edmund Pettus Bridge in Selma, Alabama in 1965.“John Lewis was a titan of the civil rights movement whose goodness, faith and bravery transformed our nation – from the determination with which he met discrimination at lunch counters and on Freedom Rides, to the courage he showed as a young man facing down violence and death on Edmund Pettus Bridge, to the moral leadership he brought to the Congress for more than 30 years," said Pelosi in a statement. In Congress, Lewis was respected by members on both sides of the aisle as he fought for freedom and justice for all.“In the halls of the Capitol, he was fearless in his pursuit of a more perfect union, whether through his Voter Empowerment Act to defend the ballot, his leadership on the Equality Act to end discrimination against LGBTQ Americans or his work as a Senior Member of the Ways and Means Committee to ensure that we invest in what we value as a nation," said Pelosi.Throughout his life Lewis received numerous awards for his work and in 2011, President Barack Obama awarded Lewis the Medal of Freedom, the highest civilian honor in the U.S.“Generations from now, when parents teach their children what is meant by courage, the story of John Lewis will come to mind, an American who knew that change could not wait for some other person or some other time; whose life is a lesson in the fierce urgency of now,” said Obama as he presented the medal. 2196

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