Phoenix heat, people ration AC due to cost

Associated Press

Homes become ‘air fryers’ in Phoenix heat, people ration AC due to cost

Isabella O’Malley  – July 20, 2023

FILE - Manuel Luna, left, a volunteer at the Salvation Army, gives out items to a patron at a cooling station on July 19, 2023, in Phoenix. (AP Photo/Ross D. Franklin, File)
Manuel Luna, left, a volunteer at the Salvation Army, gives out items to a patron at a cooling station on July 19, 2023, in Phoenix. (AP Photo/Ross D. Franklin, File)
FILE - JP Lantin, right, owner of Total Refrigeration, and service tech Michael Villa, work on replacing a fan motor on an air conditioning unit July 19, 2023, in Laveen, Ariz. (AP Photo/Ross D. Franklin, File)
JP Lantin, right, owner of Total Refrigeration, and service tech Michael Villa, work on replacing a fan motor on an air conditioning unit July 19, 2023, in Laveen, Ariz. (AP Photo/Ross D. Franklin, File)
FILE - After finishing up an air conditioning repair call, Michael Villa, a service tech with Total Refrigeration, finds shade as he wipes sweat from his face July 19, 2023, in Laveen, Ariz. (AP Photo/Ross D. Franklin, File)
 After finishing up an air conditioning repair call, Michael Villa, a service tech with Total Refrigeration, finds shade as he wipes sweat from his face July 19, 2023, in Laveen, Ariz. (AP Photo/Ross D. Franklin, File)
FILE - Michael Villa, a service tech at Total Refrigeration, works on a commercial air conditioning roof unit July 19, 2023, in Laveen, Ariz. (AP Photo/Ross D. Franklin, File)
FILE - Tony Berastegui Jr., 15, right, and his sister Giselle Berastegui, 12, drink water July 17, 2023, in Phoenix. (AP Photo/Ross D. Franklin, File)

Temperatures have peaked at or above 110 degrees Fahrenheit (43.3 degrees Celsius) the entire month of July in Phoenix. Air conditioning, which made modern Phoenix even possible, is a lifeline.

When a cloudless sky combines with outdoor temperatures over 100 F, your house turns into an “air fryer” or “broiler,” as the roof absorbs powerful heat and radiates it downward, said Jonathan Bean, co-director of the Institute for Energy Solutions at the University of Arizona. Bean knows this not only from his research, he also experienced it firsthand this weekend when his air conditioner broke.

“This level of heat that we are having in Phoenix right now is enormously dangerous, particularly for people who either don’t have air conditioning or cannot afford to operate their air conditioner,” said Evan Mallen, a senior analyst for Georgia Institute of Technology’s Urban Climate Lab.

Yet some are cutting back on AC, trying to bear the heat, afraid of the high electricity bills that will soon arrive.- ADVERTISEMENT -https://s.yimg.com/rq/darla/4-11-1/html/r-sf-flx.html

Camille Rabany, 29, has developed her own system to keep herself and her 10-month-old Saint Bernard Rigley cool during the Arizona heat wave. Through trial and error, Rabany found that 83 F is a temperature she is willing to tolerate to keep her utility bill down.

By tracking the on-peak and off-peak schedule of her utility, Arizona Public Service, with the help of her NEST smart thermostat, Rabany keeps her home that hot from 4 to 7 p.m., the most expensive hours. She keeps fans running and has a cooling bed for Rigley, and they both try to get by until the utility’s official peak hours pass.

“Those are the hours that I have it at the hottest I’m willing to have it because I have a dog,” she said. Last month, Rabany said her utility bill was around $150.

Emily Schmidt’s home cooling strategy in Tempe, Ariz. also centers around her dog. Air conditioning is “constantly a topic of conversation,” with her partner, too, she said.

“Sometimes I wish I could have it cooler, but we have to balance saving money and making sure the house isn’t too hot for our pets.”

With the unrelenting heat of the recent weeks, “I’m honestly afraid what the electric bill will be, which makes it really hard to budget with rent and other utilities.”

Katie Martin, administrator of home improvements and community services at the Foundation for Senior Living, said she sees the pet issue, too. Older people on limited incomes are making dangerous tradeoffs and often won’t come to cooling centers when they don’t allow pets.

“In recent years we are finding that most of the seniors we serve are keeping their thermostat at 80 F to save money,” she said.

Many also lack a support network of family or friends they can turn to in case of air conditioner breakdowns.

Breakdowns can be dangerous. Models from Georgia Tech show that indoors can be even hotter than outdoors, something people in poorly-insulated homes around the world are well acquainted with. “A single family, one-story detached home with a large, flat roof heats up by over 40 degrees in a matter of hours if they don’t have air conditioning,” Mallen said.

The Salvation Army has some 11 cooling stations across the Phoenix area. Lt. Colonel Ivan Wild, commander of the organization’s southwest division, said some of the people visiting now can’t afford their electricity bills or don’t have adequate air conditioning.

“I spoke to one elderly lady and she that her air conditioning is just so expensive to run. So she comes to the Salvation Army and stays for a few hours, socializes with other people, and then goes home when it’s not as hot,” he said.

While extreme heat happens every summer in Phoenix, Wild said that a couple of Salvation Army cooling centers have reported seeing more people than last year. The Salvation Army estimates that since May 1, they have provided nearly 24,000 people with heat relief and distributed nearly 150,000 water bottles in Arizona and Southern Nevada.

Marilyn Brown, regents professor of sustainable systems at Georgia Tech, said that high air conditioning bills also force people to cut spending in other areas. “People give up a lot, often, in order to run their air conditioner… they might have to give up on some medicine, the cost of the gasoline for their car to go to work or school,” she said.

“That’s why we have such an alarming cycle of poverty. It’s hard to get out of it, especially once you get caught up in the energy burden and poverty,” Brown added.

Beatrice Dupuy contributed to this story from New York and Melina Walling contributed from Chicago.

Associated Press climate and environmental coverage receives support from several private foundations.

Grocery prices are bringing many Florida residents to their wit’s end. What can we do?

Pensacola News Journal

Grocery prices are bringing many Florida residents to their wit’s end. What can we do?

Edward Bunch III, Pensacola News Journal – July 20, 2023

High food costs are stretching the budgets of consumers across Florida. In the face of inflation, housing issues and insurance crisis, many residents have enough on their plates before ringing up their usual groceries for more expensive receipts than they are accustomed to.

Residents of Pensacola are likely no stranger to the slow uptick on prices that inflation has created. Price fluctuation of gas, food and more commodities have been an issue so important that it’s become a mainstay in the policymaking platforms for local, state and national public official candidates. Across the state, Floridians are receiving the short end of the stick and scrambling to find solutions.

Wage problems and inflation: Pensacola’s wages lag behind national average as Florida becomes inflation hotspot

What is the inflation rate?

Inflation in the U.S. stood at 3% in June, its lowest point since early 2021 when the world was still reeling from the complications of the pandemic. Despite this, Florida’s inflation rate remains above its peers at 6.9% in the Miami, Fort Lauderdale and West Palm Beach areas. Data outside of these areas, including Pensacola, were not included in the report.

Data provided by the Joint Economic Committee of Congress indicates that Florida’s inflation rates surpassed the national average nearly two years ago in November 2021. The state has maintained its position relative to the rest of the country.

In May 2022, workers in the Pensacola area had an average hourly wage of $24.37 compared to the national average of $29.76, an 18% discrepancy.

How expensive are groceries in Florida?

Data from the Bureau of Labor Statistic’s 2020-21 consumer survey shows that the average Floridian spends nearly $7,000 on groceries, with meats, fruits and vegetables being the most expensive products bought from the store.

Floridians are also spending double the amount of money for groceries than they spend on food outside of their home. According to the same survey, food is the third-highest expense for Floridians behind costs for transportation and housing.

Despite food and groceries being the most crucial product for consumers everywhere, housing remains the biggest expense for Floridians and has likely become the highest priority.

Squatter’s rights? Many have vacated one Florida homeless camp, but may invoke squatter’s rights at another

How bad is the homeless problem in Florida?

Florida’s homeless population totaled at nearly 26,000 individuals last year, third-highest number in the nation according to the Annual Homelessness Assessment Report and the Department of Housing and Urban Development.

Research conducted for the U.S. Census determined that Florida had surpassed Idaho in 2022 to become the fastest-growing state in the nation, a distinction Florida hasn’t earned since 1957. Despite Florida’s population increasing by 1.9%, the costs of living and inflation rates across the state could suggest that many newcomers may struggle with maintaining their standard of life soon after arrival.

Much of Florida’s housing inventory was scooped up following the implementation of low-interest rates which allowed many to purchase their first home or refinance their existing one. This drove up home prices, another factor in the current housing crisis.

Considering the issues brought about by the insurance industry’s recent decisions regarding policy holders and their ability to remain insured while living in Florida, the implications of dealing with inflation on multiple fronts has the potential to be debilitating for residents.

Will grocery prices go down this year?

According the Bureau of Labor Statistics, grocery prices have risen by four percent since May 2022. Despite the livelihood of families being a priority for Florida’s government officials, it is unclear whether there will be meaningful reductions in the price of groceries across the state.

A recent protest was planned by truckers with a distaste for Gov. Ron DeSantis’ recent immigration bill SB1718 that could have crippled the state’s food distribution network. Although the protest bore little fruit due to many of the truckers needing the hours, some are questioning what state officials plan to do to combat the issue without fanning the flames.

How can I get affordable groceries?

Here are some ways shoppers can save on groceries:

  • Join reward programs for perks like cashback or member-exclusive deals. Chains like Publix and Target have free-to-join programs which allow you to clip digital coupons and eventually personalizes them to your needs and usual items.
  • Speaking of coupons, utilizing both digital and physical coupons can save you extra as well. Buy one, get one offers can help stock up your shelves for an extended period of time.
  • Check often for sales, either seasonal or markup, that can offer similar buy one, get one deals.
  • If possible, purchasing a membership at stores like Sam’s Club or BJ’s can save time and money intended for your next groceries trip. Buying in bulk can feel expensive upfront, but families can save in the long run even with the membership costs. Sam’s Club has two membership levels with varying perks that costs either $50 or $110 annually. BJ’s also has two membership options that cost $55 and $110 respectively. Both stores offer a credit card alongside its higher-priced membership option that rewards you with two percent cashback from purchases at the store and more helpful perks.
  • Freezing food is an effective way to store food for longer periods of time. If a sale or bulk purchase is more than one can handle at the moment, saving it for later is better than letting it spoil.
  • Buy fruits and vegetables while they’re in season, making them more nutritious and cheaper overall.
  • Take advantage of cheaper generic items, they often have the same ingredients as their name brand counterparts.
  • Comparing prices across stores can save you money at your preferred grocer with a price-matching system.
  • Re-grow vegetables like celery, potatoes and green/white onion at home and slowly take them off your grocery list.
  • Don’t buy food items that were prepared previously before being packaged. Not only are they more expensive, sometimes they are prepared due to being close to unsafe for sale. Items like meat, vegetables and cheese are cheaper before being prepared into something else.
  • Make a budget that you can reference or stick to in order to shop smarter.
  • If you’re not much of a chef, many restaurants and fast-food chains have implemented rewards systems for purchases that may save consumers some money in the long run.
What are Florida’s public officials doing about inflation?

DeSantis signed the ‘Live Local Act’ earlier this year to incentivize new housing development and assist more Floridians with getting access to housing in their communities.

U.S. Rep. Matt Gaetz, R-Florida, lays blame for inflation at the feet of the president. “With the Biden administration overspending, the principal mandate for Republicans is to curb inflation,” Gaetz said in an interview with NewsNation.

Bring manufacturing back to America’s safe heartland: Tornado damages Pfizer plant in North Carolina as scorching heat and floods sock other parts of US

Associated Press

Tornado damages Pfizer plant in North Carolina as scorching heat and floods sock other parts of US

Ben Finley and Hannah Schoenbaum – July 19, 2023

Debris is scattered around the Pfizer facility on Wednesday, July 19, 2023, in Rocky Mount, N.C., after damage from severe weather. (Travis Long/The News & Observer via AP)
Debris is scattered around the Pfizer facility on Wednesday, July 19, 2023, in Rocky Mount, N.C., after damage from severe weather. (Travis Long/The News & Observer via AP)
Pessoas em situação de rua tentam se refrescar com água gelada diante do Centro Justa, um centro de convivência para pessoas sem teto acima de 55 anos de idade, sexta-feira, 14 de julho de 2023, no centro de Phoenix, EUA. (Foto AP/Matt York)
The Pfizer plant is damaged after severe weather passed the area on Wednesday, July 19, 2023 in Rocky Mount, N.C. (WTVD via AP)
A truck is overturned and the Pfizer plant is damaged after severe weather passed the area on Wednesday, July 19, 2023 in Rocky Mount, N.C. (WTVD via AP)
A patron tries to cool off at the Justa Center as temperatures are expected to hit 116-degrees Fahrenheit, Tuesday, July 18, 2023, in Phoenix. Tuesday marks a new record for the most consecutive days in a row over 110-degrees. (AP Photo/Ross D. Franklin)
Heat waves rise off the pavement as vehicles drive along a downtown street as temperatures are expected to hit 115-degrees Fahrenheit, Tuesday, July 18, 2023, in Phoenix. Tuesday marks a new record for the most consecutive days in a row over 110-degrees. (AP Photo/Ross D. Franklin)
A person tries to cool off in the shade as temperatures are expected to hit 116-degrees Fahrenheit, Tuesday, July 18, 2023, in Phoenix. The extreme heat scorching Phoenix set a record Tuesday, the 19th consecutive day temperatures hit at least 110 degrees Fahrenheit. (AP Photo/Ross D. Franklin)
A parking lot is flooded after heavy rain passed the area on Wednesday, July 19, 2023 in Paducah, Ky. The National Weather Service issued flash flood watches and warnings, estimating that as much as 10 inches (25 centimeters) of rain could fall in the area where Kentucky, Illinois and Missouri meet at the convergence of the Mississippi and Ohio rivers. (Courtesy of Marilyn Gabel via AP)
Workers cross roadway impacted by recent storms and flooding, Monday, July 17, 2023, in Belvidere, N.J. (AP Photo/Eduardo Munoz Alvarez)
Homes are damaged after severe weather passed the area on Wednesday, July 19, 2023 in Rocky Mount, N.C. (WTVD via AP)
The Pfizer plant is damaged after severe weather passed the area on Wednesday, July 19, 2023 in Rocky Mount, N.C. (WTVD via AP)
Homes are damaged after severe weather passed the area on Wednesday, July 19, 2023 in Rocky Mount, N.C. (WTVD via AP)
Transportation Secretary Pete Buttigieg, right, listens to Perry Hollyer, owner of the Inn by the River, describe flood waters, which destroyed his family's hotel, along the banks of the Lamoille River, Monday, July 17, 2023, in Hardwick, Vt. Last week's storms dumped up to two months' worth of rain in a couple of days in parts of Vermont and New York. (AP Photo/Charles Krupa)
A parking lot is flooded after heavy rain passed the area on Wednesday, July 19, 2023 in Paducah, Ky. The National Weather Service issued flash flood watches and warnings, estimating that as much as 10 inches (25 centimeters) of rain could fall in the area where Kentucky, Illinois and Missouri meet at the convergence of the Mississippi and Ohio rivers. (Courtesy of Marilyn Gabel via AP)
A parking lot is flooded after heavy rain passed the area on Wednesday, July 19, 2023 in Paducah, Ky. The National Weather Service issued flash flood watches and warnings, estimating that as much as 10 inches (25 centimeters) of rain could fall in the area where Kentucky, Illinois and Missouri meet at the convergence of the Mississippi and Ohio rivers. (Courtesy of Marilyn Gabel via AP)
A senior swimmer clears his nose as he cools off in hot weather, Wednesday, July 19, 2023, in Pasadena, Calif. (AP Photo/Ryan Sun)
Utility wires cover a school bus after severe weather passed the area on Wednesday, July 19, 2023 in Rocky Mount, N.C. (WTVD via AP)
JP Lantin, owner of Total Refrigeration, works on a commerical air conditioning roof unit as temperatures are expected to hit 117-degrees, Wednesday, July 19, 2023, in Laveen, Ariz. (AP Photo/Ross D. Franklin)
A patron tries to cool off at the Justa Center as temperatures are expected to hit 116-degrees Fahrenheit, Tuesday, July 18, 2023, in Phoenix. The extreme heat scorching Phoenix set a record Tuesday, the 19th consecutive day temperatures hit at least 110 degrees Fahrenheit. (AP Photo/Ross D. Franklin)
JP Lantin, left, owner of Total Refrigeration, talks to a home owner on the repairs needed on her air conditioning unit as temperatures are expected to hit 117-degrees, Wednesday, July 19, 2023, in Laveen, Ariz. (AP Photo/Ross D. Franklin)
JP Lantin, left, owner of Total Refrigeration, and service tech Michael Villa, pick up their gear after replacing a fan motor on an air conditioning unit at a home as temperatures are expected to hit 117-degrees, Wednesday, July 19, 2023, in Laveen, Ariz. (AP Photo/Ross D. Franklin)
Michael Villa, a service tech at Total Refrigeration, works on a commercial air conditioning roof unit as temperatures are expected to hit 117-degrees, Wednesday, July 19, 2023, in Laveen, Ariz. (AP Photo/Ross D. Franklin)
After finishing up an air conditioning repair call, Michael Villa, a service tech with Total Refrigeration, takes a drink of water as temperatures are expected to hit 117-degrees Wednesday, July 19, 2023, in Laveen, Ariz. (AP Photo/Ross D. Franklin)
A billboard sign displays an unofficial temperature of 115-degrees Fahrenheit (46.1 Celsius) on Wednesday, July 19, 2023, in Phoenix. (AP Photo/Ross D. Franklin)
JP Lantin, right, owner of Total Refrigeration, and service tech Michael Villa, work on replacing a fan motor on an air conditioning unit as temperatures are expected to hit 117-degrees Wednesday, July 19, 2023, in Laveen, Ariz. (AP Photo/Ross D. Franklin)
A hiker passes a sign warning hikers of extreme heat at the start of the Golden Canyon trail on July 11, 2023, in Death Valley National Park, Calif. A 71-year-old Los Angeles-area man died at the trailhead on Tuesday, July 18, as temperatures reached 121 degrees (49 Celsius) or higher and rangers suspect heat was a factor, the National Park Service said in a statement Wednesday. (AP Photo/Ty ONeil)
Tourists hike the Golden Canyon trail on July 11, 2023, in Death Valley National Park, Calif. A 71-year-old Los Angeles-area man died at the trailhead on Tuesday, July 18, as temperatures reached 121 degrees (49 Celsius) or higher and rangers suspect heat was a factor, the National Park Service said in a statement Wednesday. (AP Photo/Ty ONeil)
A sign stands warning hikers of extreme heat at the start of the Golden Canyon trail on July 11, 2023, in Death Valley National Park, Calif. A 71-year-old Los Angeles-area man died at the trailhead on Tuesday, July 18, as temperatures reached 121 degrees (49 Celsius) or higher and rangers suspect heat was a factor, the National Park Service said in a statement Wednesday. (AP Photo/Ty ONeil)

RALEIGH, N.C. (AP) — A tornado heavily damaged a major Pfizer pharmaceutical plant in North Carolina on Wednesday, while torrential rain flooded communities in Kentucky and an area from California to South Florida endured more scorching heat.

Pfizer confirmed that the large manufacturing complex was damaged by a twister that touched down shortly after midday near Rocky Mount, but said in an email that it had no reports of serious injuries. A later company statement said all employees were safely evacuated and accounted for.

Parts of roofs were ripped open atop its massive buildings. The Pfizer plant stores large quantities of medicine that were tossed about, said Nash County Sheriff Keith Stone.

“I’ve got reports of 50,000 pallets of medicine that are strewn across the facility and damaged through the rain and the wind,” Stone said.

The plant produces anesthesia and other drugs as well as nearly 25% of all sterile injectable medications used in U.S. hospitals, Pfizer said on its website. Erin Fox, senior pharmacy director at University of Utah Health, said the damage “will likely lead to long-term shortages while Pfizer works to either move production to other sites or rebuilds.”

The National Weather Service said in a tweet that the damage was consistent with an EF3 tornado with wind speeds up to 150 mph (240 kph).

The Edgecombe County Sheriff’s Office, where part of Rocky Mount is located, said on Facebook that they had reports of three people injured in the tornado, and that two of them had life-threatening injuries.

A preliminary report from neighboring Nash County said 13 people were injured and 89 structures were damaged, WRAL-TV reported.

Three homes owned by Brian Varnell and his family members in the nearby Dortches area were damaged. He told the news outlet he is thankful they are all alive. His sister and her children hid in their home’s laundry room.

“They got where they needed to be within the house and it all worked out for the best,” Varnell said near a home that was missing exterior walls and a large chunk of the roof.

Elsewhere in the U.S., an onslaught of searing temperatures and rising floodwaters continued, with Phoenix breaking an all-time temperature record and rescuers pulling people from rain-swamped homes and vehicles in Kentucky.

Forecasters said little relief appears in sight from the heat and storms. For example, Miami has endured a heat index of 100 degrees Fahrenheit (37.8 degrees Celsius) or more for weeks, with temperatures expected to rise this weekend.

In Kentucky, meteorologists warned of a “life-threatening situation” in the communities of Mayfield and Wingo, which were inundated by flash flooding this week from thunderstorms. Kentucky Gov. Andy Beshear declared a state of emergency there Wednesday as more storms threatened.

Forecasters expect up to 10 inches (25 centimeters) of rain could yet fall on parts of Kentucky, Illinois and Missouri near where the Ohio and Mississippi rivers converge.

The storm system is forecast to move Thursday and Friday over New England, where the ground remains saturated after recent floods. In Connecticut, a mother and her 5-year-old daughter died after being swept down a swollen river Tuesday. In southeastern Pennsylvania, a search continued for two children caught in flash flooding Saturday night.

Meanwhile, Phoenix broke an all-time record Wednesday morning for a warm low temperature of 97 F (36.1 C), raising the threat of heat-related illness for residents unable to cool off adequately overnight. The previous record was 96 F (35.6 C) in 2003, the weather service reported.

Lindsay LaMont, who works at the Sweet Republic ice cream shop Phoenix, said business had been slow during the day with people sheltering inside to escape the heat. “But I’m definitely seeing a lot more people come in the evening to get their ice cream when things start cooling off,” LaMont said.

Heat-related deaths continue to rise in Maricopa County, where Phoenix is located. Public health officials Wednesday reported that six more heat-associated fatalities were confirmed last week, bringing the year’s total so far to 18. All six deaths didn’t necessarily occur last week as some may have happened weeks earlier but were confirmed as heat-related only after a thorough investigation.

By this time last year, there had been 29 confirmed heat-associated deaths in the county and another 193 under investigation.

Phoenix, a desert city of more than 1.6 million people, had set a separate record Tuesday among U.S. cities by marking 19 straight days of temperatures of 110 F (43.3 C) or more. It topped 110 again Wednesday.

National Weather Service meteorologist Matthew Hirsh said Phoenix’s 119 F (48.3 C) high Wednesday tied the fourth highest temperature recorded in the city ever. The highest temperature of all time was 122 F (50 C), set in 1990.

Across the country, Miami marked its 16th straight day of heat indexes in excess of 105 F (40.6 C). The previous record was five days in June 2019.

“And it’s only looking to increase as we head into the later part of the week and the weekend,” said Cameron Pine, a National Weather Service meteorologist.

The region has also seen 38 consecutive days with a heat index threshold of 100 F (37.8 C), and sea surface temperatures are reported to be several degrees warmer than normal.

“There really is no immediate relief in sight,” Pine said.

A 71-year-old Los Angeles-area man died at a trailhead in Death Valley National Park in eastern California on Tuesday afternoon as temperatures reached 121 F (49.4 C) or higher and rangers suspect heat was a factor, the National Park Service said in a statement Wednesday.

It is possibly the second heat-related fatality in Death Valley this summer. A 65-year-old man was found dead in a car on July 3.

Human-caused climate change and a newly formed El Nino are combining to shatter heat records worldwide, scientists say.

The entire globe has simmered to record heat both in June and July. Nearly every day this month, the global average temperature has been warmer than the unofficial hottest day recorded before 2023, according to University of Maine’s Climate Reanalyzer.

Atmospheric scientists say the global warming responsible for unrelenting heat in the Southwest also is making extreme rainfall a more frequent reality.

Finley reported from Norfolk, Virginia. Associated Press reporters Anita Snow in Phoenix, Freida Frisaro in Miami, JoNel Aleccia in Temecula, California, and Rebecca Reynolds in Louisville, Kentucky, contributed to this report.

Precious: Biden uses clips of Marjorie Taylor Greene speech for new campaign ad

CNN

Biden uses clips of Marjorie Taylor Greene speech for new campaign ad

Shania Shelton – July 19, 2023

Eva Marie Uzcategui/Bloomberg/Getty Images

President Joe Biden on Tuesday posted a campaign ad promoting his legislative wins by using clips from a recent speech GOP Rep. Marjorie Taylor Greene gave at the Turning Point Action Conference where she compared Biden to Franklin D. Roosevelt and Lyndon B. Johnson.

“Joe Biden had the largest public investment in social infrastructure and environmental programs, that is actually finishing what FDR started, that LBJ expanded on, and Joe Biden is attempting to complete,” Greene said in the video set to cheerful music.

The ad continues with another clip from the speech Greene gave over the weekend in which she explains the Biden administration’s investments. “Programs to address education, medical care, urban problems, rural poverty, transportation, Medicare, Medicaid labor unions, and he still is working on it,” Greene said.

In response to Greene’s speech, the White House tweeted on Monday: “Caught us. President Biden is working to make life easier for hardworking families.”

The congresswoman from Georgia – who was recently ejected from the House Freedom Caucus – tweeted on Tuesday, “This is really what Joe Biden approves,” in response to the campaign ad alongside a longer clip of her speech. In the new clip, she discusses economics in the country, explaining that “we are now $32 trillion in debt with record high homelessness, 40-year record inflation.”

The Biden administration has been promoting “Bidenomics” over the past few weeks – an economic theory which rejects the idea of “trickle-down” policies in favor of focusing on the middle class. It is expected to be a centerpiece of Biden’s 2024 reelection campaign.

The president first embraced the idea in June at a time when the administration was searching for a solution to Americans’ negative perception of the economy and a vehicle to take credit for an economy that is increasingly trending in the right direction.

‘Life or death’: Arizona heat wave poses lethal threat to homeless

AFP

‘Life or death’: Arizona heat wave poses lethal threat to homeless

Romain Fonsegrives – July 19, 2023

Hundreds of homeless people live in 'The Zone,' an encampment in Phoenix, the capital of the southwestern US state of Arizona (Patrick T. Fallon)
Hundreds of homeless people live in ‘The Zone,’ an encampment in Phoenix, the capital of the southwestern US state of Arizona (Patrick T. Fallon)

On a sidewalk in Arizona’s capital Phoenix, where a record-setting heat wave has prompted warnings for people to limit their time outside, Dana Page struggles to stay hydrated in her tarpaulin shelter.

The 49-year-old, surrounded by bottles of water, knows full well the dangers heat poses to the homeless population.

Days earlier, she watched emergency responders perform CPR on a fellow resident of “The Zone,” an encampment where hundreds live in tents and makeshift shelters, near downtown.

“He died just inches away from water,” she told AFP.

Phoenix, like much of the US southwest, is surrounded by desert, and its 1.6 million residents are used to brutal summer temperatures.

But this year’s heat wave is unprecedented in its length: it has already helped the city break its previous record of 18 straight days at or above 110 degrees Fahrenheit (43 degrees Celsius), with similar highs forecast into next week.

Page, a native of Phoenix, said she has had heatstroke three times in the past five years, describing it as a “secret killer” that sneaks up if not monitoring one’s water intake.

– Jump in heat-related deaths –

The absence of typical monsoon rains has also compounded the problem: no respite from searing heat during the day allows temperatures to remain dangerously elevated overnight.

“If this continues, we will see more heat-related deaths,” said Amy Schwabenlender, head of the Human Services Campus, a large facility near “The Zone” where 16 associations cooperate to provide social services, medical treatment and a shelter for those in need.

“It is a life-and-death situation,” she warned.

With its population growth among the highest in the United States, coupled with a lack of affordable housing, Arizona has seen the number of homeless people go up 23 percent in recent years.

And as global warming fuels more frequent extreme weather events, homeless people are increasingly vulnerable to the elements.

Maricopa County, which includes Phoenix and its suburbs, recorded a 25 percent increase last year in heat-related deaths, with 425 fatalities — many among the homeless population.

The National Weather Service warns that extreme heat is the top weather-related killer, and has recommended people in Phoenix “stay indoors and seek air-conditioned buildings” during the heat wave.

– ‘Enough resources to help everybody’ –

To deal with the emergency, the Human Services Campus is running at full speed. Its associations send out early morning patrols to distribute 2,000 bottles of water every day, as well as sunblock and hats.

Like some sixty other sites around the city, the facility also serves as a cooling center, where homeless people can find shade, misters and a vast air-conditioned cafeteria with film showings to pass the time.

Schwabenlender warns that scorching hot surfaces outside also pose a significant danger, especially for those with worn shoes or bare feet, as well as people who fall or lie on the ground.

“I saw a man who laid on something and all the side of his neck was burned,” she said.

Asphalt in the summer sun can climb to temperatures above 160F (71C).

A few days ago, former house painter Jose Itafranco collapsed on the sidewalk after consuming methamphetamine, but the 30-year-old said he was lucky to have his wife Alvira nearby to prop his body up.

“When you do meth… it really just makes you think that you’re tougher than you are… like you’re untouchable,” Itafranco told AFP.

“But what happens, really, is you get dehydrated.”

Schwabenlender argues the hundreds of heat-related deaths in Maricopa County could have been avoided with a more coordinated response, and calls for federal emergency action commensurate with other natural disasters.

The White House, for its part, outlined last week various federal initiatives related to “extreme heat fueled by the climate crisis,” including a forthcoming meeting with local officials to discuss preparedness, as well as the drafting of a “National Heat Strategy.”

“We have enough resources to help everybody, we just have to figure out how to put them all together,” Schwabenlender said.

Climate change and Florida’s home insurance crisis: Here’s what homeowners should know

Palm Beach Daily News

Climate change and Florida’s home insurance crisis: Here’s what homeowners should know

Lianna Norman, Palm Beach Post – July 19, 2023

There are many contributors to Florida’s insurance crisis. One of the biggest contributors are huge insurance payouts attached to yearly storm damage following hurricane season, exacerbated by climate change.

Over 100,000 Floridians are scrambling for homeowners insurance after a wave of insurers have stopped writing policies in the disaster-prone state.

Last week, Farmers Insurance became the most recent insurer to drop coverage of Florida, announcing that the “decision was necessary to effectively manage risk exposure.”

Here are four reasons why insurance rates are rising in Florida

Florida’s insurance crisis: Farmers Insurance is the 4th major insurer to leave Florida

How has climate change affected the insurance industry?

Hurricane Ian, the last major hurricane to seriously impact Florida homeowners in the fall of 2022, cost the National Flood Insurance Program more than $1.2 billion in payouts to policyholders recovering from damage.

“FEMA estimates Hurricane Ian could potentially result in NFIP claims losses between $3.7-$5.2 billion,” FEMA’s website says. “The losses include flood insurance claims received from five states, with the majority of claims coming from Florida.”

study led by researchers from the Pacific Northwest National Laboratory and published in a peer-reviewed journal found that Hurricanes impacting the U.S. could rise by one-third compared to what hurricane season looks like now, at the rate that the climate is currently changing.

Florida isn’t the only state affected. Some insurance policy providers have also hiked prices or dropped out of states like California, Colorado and Louisiana due to rising risk of insuring homes in flooding or wildfire-prone areas.

The cost of the insurance crisis: Homeowners’ insurance costs are going up amid climate change. Here’s how to lower yours.

Which insurance companies are dropping customers in Florida?

This month, Farmers Insurance joined Bankers Insurance and Lexington Insurance, a subsidiary of AIG, in dropping out of Florida’s insurance market.

AAA is still writing policies, but the company said this week they will not renew its package policies that combine home, automobile and optional umbrella coverage. AAA says a “small number” of customers will be affected.

The Florida Department of Financial Services has a list of 14 companies that are in liquidation. This means that the Office of Insurance Regulation determined that there are grounds for the Department of Financial Services to proceed with charging these companies for delinquency.

Here are the insurers from that list that offered property insurance:

  • American Capital Assurance Corp.
  • Avatar Property and Casualty Insurance Co.
  • FedNat Insurance Co.
  • Florida Specialty Insurance Co.
  • Gulfstream Property and Casualty Insurance Co.
  • Southern Fidelity Insurance Co.
  • St. Johns Insurance Co.
  • United Property and Casualty Insurance Co.
  • Weston Property & Casualty Insurance Co.

Insurance costs are rising in Florida: Does your Florida county rank in the state’s most expensive home insurance premiums?

What’s the average cost of homeowners insurance in Florida?

Floridians pay some of the highest prices for home insurance in the nation. Most are paying about $6,000 for their yearly home insurance premium, an increase of 42% compared with last year, a spokesperson for the Insurance Information Institute told USA TODAY.

With each year and each hurricane season, the cost for homeowners insurance in Florida increases exponentially faster than the national rate.

Lianna Norman covers trending news in Palm Beach County for The Palm Beach Post. 

Seniors are migrating to states that face America’s most extreme heat

The Washington Post

Seniors are migrating to states that face America’s most extreme heat

Joshua Partlow, Greg Morton, Scott Dance, Brianna Sacks – July 19, 2023

SUN CITY, Ariz. – It was 6:15 p.m., 110 degrees, the speakers were playing “Hot Blooded” by Foreigner and the seniors of suburban Phoenix were blissfully arm-pumping their way around the walking pool.

“Quite honestly, I’m good up to 110 now, you do acclimate,” said Bob Hirst, who decamped from northern Virginia two years ago with his wife, Vicky, to this 55-and-over community.

Despite the blistering evening, Ira Schneider was happily submerged in the hot tub, which was a relief of sorts at around 100 degrees. He’d lived in Phoenix for 22 years. To get him to return to his native New York, he said, “you’d have to scrape me off a cactus.”

Phoenix saw a record-breaking 19th consecutive day above 110 degrees on Tuesday. The extraordinary run of punishing heat poses a particular risk to the elderly, who are more likely to suffer from heart disease, diabetes and other health problems that make it harder to tolerate extreme heat. And while some retirees have the resources to cope with scorching temperatures, others remain much more vulnerable – even as demographic data shows that this group continues to gravitate to sunny and warm parts of the country that are in the crosshairs for extreme heat.

Phoenix first responders and medical personnel say they are worried about seniors who may be isolated and living without air-conditioning, or those who fall and can’t get up on days when the concrete and pavement can be so hot it’s deadly.

Many of the places that, in recent years, have become attractive destinations for seniors are among those most affected by the historic heat wave camped out over the southern United States, according to an analysis by The Washington Post of forecast data from the National Weather Service and migration data from the U.S. Census Bureau.

Between 2008 and 2021, Maricopa County, which includes Phoenix, has received more than 68,000 people age 65 or older – more elderly migrants than any county in the country, according to census data. For the past several weeks, Maricopa has also been one of the hottest counties in the United States. This weekend, its heat index – a measure of how hot it feels outside that includes temperature and humidity – averaged over 110 and is expected to climb as high as 117 this week.

Those trends converged in a particularly dangerous way on Sunday at an RV park for the elderly in Mesa, east of Phoenix. The power went out for dozens of homes at the Viewpoint RV and Golf Resort, according to residents, and stayed out for nearly 24 hours – a period when temperatures in the area reached 118 degrees.

Many who lost power moved to hotels or stayed with relatives as the temperatures inside their homes soared, residents said. Robert Steffen and his wife, Gretchen, took refuge at his son’s house in Chandler for the night. When they returned Monday morning, they said the temperature inside their home was in the mid-90s.

Some residents, including people in wheelchairs and with other health problems, spent the night in sweltering conditions, said Kathleen Noble, a homeowner in the community who is also a board member of the Arizona Association of Manufactured Home, RV & Park Model Owners.

“Park managers, especially for the elderly, need to have some kind of an emergency plan set up during these times of high heat,” she said.

The power came back on midday Monday, residents said. The park’s management office did not answer the phone and Equity LifeStyle Properties, which owns the RV park, did not respond to a request for comment.

The combination of rising electricity demand and surging heat could be disastrous. Recent research found that in a city such as Phoenix, blackouts during a heat wave could kill thousands of people.

Nationwide, extreme heat exposure among people age 69 and older could more than double by 2050, according to a study published in March. The research looked at the number of people who will experience heat waves as well as their frequency and intensity. It attributed the surge in exposure to a convergence of three factors: the population at large is aging; the population of older people is growing in the swath of southern states known as the Sun Belt; and average temperatures are increasing everywhere as Earth’s climate warms.

Those trends also mean many older people underestimate the threat of extreme heat, whether because they are new to a hotter region, or because heat is becoming more intense in parts of the country that have been traditionally cooler, said Deborah Carr, a sociology professor at Boston University and the study’s lead author.

Moreover, older people are more likely to have preexisting health conditions that make extreme heat harder to tolerate. Common medications for heart disease and high blood pressure are dehydrating and reduce the body’s ability to cool itself by sweating, something many people don’t take into account when considering their ability to withstand heat, Carr said.

“If someone has underlying conditions, it’s going to be worse,” she said.

Florida, another haven for snowbirds and seniors, is also broiling in the recent heat wave. Lee County, which includes Fort Myers, is home to more than 200,000 Americans 65 and older and is one of the most popular places for elderly migrants, recent census data shows. The heat index is expected to surpass 100 degrees this week in the county, driven in large part by extreme humidity.

Sitting barefoot in a chair with the front door of his motel room open on Saturday, Joseph Sull couldn’t ever remember being this hot. The 76-year-old has lived in southwest Florida for nearly 20 years, and is used to sweltering summers, but this year’s historic stretch of heavy humidity has been “brutal” and has prevented him from spending time outside, like he usually loves to do.

After Hurricane Ian totaled his mobile home last September, Sull has been living in a motel, along with a handful of other victims, most of whom are also elderly. For days on end, Sull has sat in his small, air-conditioned room, watching “nothing happening,” as he says.

This kind of oppressive heat has made his world much smaller, having made the few routines he has, like taking a walk, very uncomfortable to do.

“I can’t sit in here all day with the door closed. It drives me crazy,” he said. “I need the fresh air and want to look at something else besides these four walls. It’s hard.”

In Phoenix, doctors say they regularly see elderly patients who suffer from heat stroke and burns once temperatures surpass 100 degrees. Diabetic patients who suffer from neuropathy and can’t feel their feet sometimes walk out onto hot surfaces, suffering serious burns, they said. Nearly two-thirds of the 425 heat-associated deaths in Maricopa County last year were individuals age 50 or older.

Frank LoVecchio, an emergency medicine physician at Valleywise Health Medical Center in Phoenix, said he saw an elderly woman last week who had fallen from her wheelchair at her nursing home and couldn’t get off the hot patio.

“She was there for like five minutes maybe,” he said. “And she had third-degree burns.”

Phoenix firefighters who respond to heat distress cases say the elderly and the immunocompromised tend to be among the most vulnerable. They have responded to help elderly people whose homes get too hot because they won’t turn on air conditioning or don’t have any.

The health impacts of extreme heat are easier to discount than, say, the dangers of a tornado or hurricane because they aren’t as readily apparent, said Peter Howe, a professor at Utah State University. Authorities usually know soon after a storm how many injuries or deaths it caused, but it often takes much longer to determine the toll of a heat wave, he said.

“We can do retrospective studies several months to years later, but we don’t really have good real-time data,” Howe said.

Migration to the Sun Belt, which air conditioning helped enable over the past half century, is still increasing as people seek out milder winter weather, said Albert Saiz, director of MIT’s Urban Economics Lab. At the same time, high costs and housing scarcity are driving people away from the Northeast and other regions, he said.

“It’s both a pull and a push,” he said.

Scott Dudlicek, a claims manager for a technology company, left Chicago after 54 years and moved to Sun City outside Phoenix in the summer of 2019.

“I came down on a visit for a work conference and said, ‘I’m tired. I’m done with the snow and the cold,'” Dudlicek recalled. “It was 113 when we were down here. I loved it.”

When he returned to Chicago it was 90 percent humidity, he said, and he was soon drenched through his shirt.

He told his wife: “That’s it. We’re moving.”

“And we were down here a year later.”

Morton and Dance reported from Washington. Sacks reported from Iona, Fla. Caitlin O’Hara in Sun City contributed to this report.

DeSantis has boasted about people flocking to Florida, but the transplants have helped the state reach inflation levels that are twice as high as the national average

Insider

DeSantis has boasted about people flocking to Florida, but the transplants have helped the state reach inflation levels that are twice as high as the national average

Kelsey Vlamis – July 18, 2023

An aerial view of Coconut Grove, Florida.
Coconut Grove, a neighborhood in Miami, Florida.Demetrius Theune/Getty Images
  • Florida was the fastest-growing state in 2022, but inflation is also booming there.
  • Miami-Ft. Lauderdale-West Palm Beach had the highest inflation of any large metro area in April.
  • High inflation and home insurance prices are among the costs that transplants may not anticipate.

Florida is hot.

It’s currently experiencing the scorching heat impacting many US states and for years it’s been among the hottest places to move.

But it’s also become a hotspot for inflation.

Some areas of the Sunshine State face the highest inflation rates in the US, even more than twice as high as the national average, which hit 3% in June, the lowest since early 2021.

The Miami-Ft. Lauderdale-West Palm Beach metro area had a rate of 9% for the year that ended in April, according to the Consumer Price Index. It was the highest rate of any metro area with more than 2.5 million residents. The area’s inflation rate was also high for the year that ended in June, at 6.9%. Another Florida metro area, Tampa-St. Petersburg-Clearwater, had an inflation rate of 7.3% for the year that ended in May.

Florida Gov. Ron DeSantis has blasted President Joe Biden over inflation.

He has also bragged that leftist ideologies in other states have pushed people away and driven them to Florida, but the state in part has its recent transplants to thank for the rising prices.

Amanda Phalin, an economist at the University of Florida, told CBS Miami that the state’s growing population and increased demand for housing have driven up prices. “A lot of people are still coming to Florida because the economy is really strong, and many like the fact that we don’t have an income tax like in New York, for example,” she said.

Florida was the fastest-growing state in 2022, but residents moving for perceived economic benefits may not realize the impact of higher prices. There’s also another cost of moving to Florida that transplants may not anticipate: steep homeowners insurance.

The Guardian reported the state is facing a crisis thanks to skyrocketing premiums for hurricane coverage. A 68-year-old resident who has lived in Florida for 30 years told the outlet if her homeowner insurance premium rises any more she “may have to sell up and move to another state.”

Another Insurance Company Halts Florida Home Policies Amid Worsening Storms

HuffPost

Another Insurance Company Halts Florida Home Policies Amid Worsening Storms

Nina Golgowski – July 18, 2023

AAA has announced that it’s scaling back some of its homeowner’s insurance coverage in Florida, with the decision aligning with several other major insurance providers amid a rise in natural disasters.

“Unfortunately, Florida’s insurance market has become challenging in recent years,” the company said in a statement Tuesday.

“Last year’s catastrophic hurricane season contributed to an unprecedented rise in reinsurance rates, making it more costly for insurance companies to operate. Prior to that, the market was already strained by increased claims costs due to inflation and excessive litigation,” the statement continued.

Only “a very small percentage” of higher exposure homeowner’s policies are affected by the change, and those policyholders have been notified that their plan will not renew, the company said. A spokesperson declined to specify the number of policies or where in the state they are located.

A collapsed home is seen in Naples, Florida, following Hurricane Ian in 2022. The Category 5 Atlantic hurricane was the third-costliest weather disaster on record.
A collapsed home is seen in Naples, Florida, following Hurricane Ian in 2022. The Category 5 Atlantic hurricane was the third-costliest weather disaster on record.

A collapsed home is seen in Naples, Florida, following Hurricane Ian in 2022. The Category 5 Atlantic hurricane was the third-costliest weather disaster on record.

The announcement came a week after Farmers Insurance Group announced that it would no longer write any new policies or renew existing homeowner, auto and umbrella policies for people in Florida. Last year Bankers Insurance and Lexington Insurance, a subsidiary of AIG, also pulled out of the Florida homeowners market.

“This business decision was necessary to effectively manage risk exposure,” Farmers said in a statement released to the Tampa Bay Times.

Farmers in May similarly said it would no longer offer new home insurance policies in California due to more frequent and intense wildfires. The insurance company blamed its decision, in a previously released statement, on “historic increases in construction costs outpacing inflation, rapidly growing catastrophe exposure, and a challenging reinsurance market.”

A skeleton in sunglasses sits beside a sign reading
A skeleton in sunglasses sits beside a sign reading

A skeleton in sunglasses sits beside a sign reading “Just waiting for the insurance check,” on Florida’s Sanibel Island in May. The area was hit by Hurricane Ian in 2022.

It’s getting harder to live in the Sunshine State, with Floridians paying on average about $6,000 for their yearly home insurance premium, a 42% increase compared to last year, Mark Friedlander, spokesperson for the Insurance Information Institute, recently told USA Today. The average annual premium in the U.S., in comparison, costs $1,700.

Floridians have also had to deal with exceptionally high inflation rates and housing costs amid an ongoing flood of new residents from other parts of the country.

Forecasters have meanwhile given mixed predictions on this year’s hurricane season in the Atlantic, which started last month and will last through November.

The National Oceanic and Atmospheric Administration has predicted a near-normal hurricane activity season with 12 to 17 total named storms — one to four of which it said could become major hurricanes.

Colorado State University has meanwhile predicted that the season will be “above average, with 18 named storms — four of which they predict will become major hurricanes. CSU previously estimated that the season would be “near average” but updated its prediction due to record warm sea surface temperatures in most of the tropical and subtropical Atlantic.

Florida homeowners insurance prices are skyrocketing. Is self-insuring the answer?

Pensacola News Journal

Florida homeowners insurance prices are skyrocketing. Is self-insuring the answer?

Brandon Girod, Pensacola News Journal – July 18, 2023

Florida home insurance prices have skyrocketed over the years, outpacing the national average by nearly four times as homeowners still in the private market pay about $6,000 per year, which is quite a bit higher than the national average of $1,700.

Some homeowners have been able to find some reprieve through state-backed Citizens Property Insurance Corp., which was originally meant to serve as an insurer of last resort for homeowners unable to find insurance coverage in the private market. But it, too, is seeking to raise its rates by about 13.% to “depopulate” and shed some of the policies it has gained over the past three years.

Rising prices have led many Florida homeowners to question if purchasing home insurance is required and whether it’s cheaper to forego it completely — assuming their lender doesn’t require it.

SmartFinancial, a technology company that partners with some of the country’s top insurance companies to compare prices, recently laid out how much those out-of-pocket costs would run for the average homeowner.

Citizens eyes rate hike: Citizens Insurance seeks 13% rate hike as Florida reinsurance renewals see 30%+ increase

Do I need a home insurance policy in Florida?

There is technically no requirement that homeowners must carry property insurance that covers fire, flood, theft or storms. The caveat is that most mortgage lenders will require homeowners to carry home insurance, windstorm coverage and even flood insurance if the property is located in a designated flood zone.

Those who purchased their home outright or have paid their mortgage off may choose to “self-insure,” which is an informal way to describe the act of foregoing home insurance and opting to pay for potential repairs completely out of pocket.

Farmers Insurance pulls out of Florida: Farmers Insurance is the 4th major insurer to leave Florida, underlining insurance crisis

How much does self-insurance cost?

Out-of-pocket expenses for home repairs will always vary based on where you live, supply and demand, the nature of the repairs and the quality of materials needed to make the repairs. In a press release, SmartFinancial provided a rough estimate of how much those costs would be for the average homeowner.

  • Roof replacement cost: $5,000-$10,000
  • Roof repair cost: $40-$1,800
  • Sinking or settling foundation: $4,000-$10,000
  • Water damage: $1,000-$5,000
  • Mold removal: $1,000-$4,000
  • HVAC replacement: $7,000-$10,000
  • Electrical rewiring: $4,000-$12,000
  • Termite damage: $3,000
  • Repair or replace a water heater: $600-$1,700
  • New pipes: $600–$1,600 per fixture; $5,000 for a new sewer line
  • Septic system repair: $1,750-$6,000

My Safe Florida Home grant: DeSantis extends My Safe Florida Home hardening grant. How it can slash insurance premiums

Homeowners insurance claim statistics

In addition to those costs, SmartFinancial also included information about how likely it is for homeowners to file claims involving wind and hail, fire and lightning, water damage and more.

  • Wind and hail account for 45.5% of claims. This amounts to about 1 in 35 homes.
    • The average cost to insurers for claims related to wind and hail was $11,695.
  • Fire and lightning account for 23.8% of home insurance claims.
    • The average cost to insurers was $77,340 per claim
  • Water Damage and Freezing account for 19.9% of home insurance claims
    • The average cost to insurers was $11,650 per claim
  • Bodily injury and property damage claims for injuries or damage to others.
    • The average cost to insurers was $30,324 per claim
  • 1 in 525 homes file a theft-related claim each year. These incidents account for 0.6% of home claims.
    • The average cost to insurers was $4,415 per claim
How many Florida homeowners go without insurance?

More than in most places. According to the Miami Herald, the Insurance Information Institute estimated that 13% of all Florida homeowners are going without property insurance, almost double the national average of 7%.