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By Katheryn Houghton and Arielle Zionts, KFF Health News (TNS) Tescha Hawley learned that hospital bills from her son’s birth had been sent to debt collectors only when she checked her credit score while attending a home-buying class. The new mom’s plans to buy a house stalled. Hawley said she didn’t owe those thousands of dollars in debts. The federal government did. Hawley, a citizen of the Gros Ventre Tribe, lives on the Fort Belknap Indian Reservation in Montana. The Indian Health Service is a federal agency that provides free health care to Native Americans, but its services are limited by a chronic shortage of funding and staff. Hawley’s local Indian Health Service hospital wasn’t equipped to deliver babies. But she said staff there agreed that the agency would pay for her care at a privately owned hospital more than an hour away. That arrangement came through the Purchased/Referred Care program, which pays for services Native Americans can’t get through an agency-funded clinic or hospital. Federal law stresses that patients approved for the program aren’t responsible for any of the costs. But tribal leaders, health officials, and a new federal report say patients are routinely billed anyway as a result of backlogs or mistakes from the Indian Health Service, financial middlemen, hospitals, and clinics. The financial consequences for patients can last years. Those sent to collections can face damaged credit scores, which can prevent them from securing loans or require them to pay higher interest rates. The December report , by the federal Consumer Financial Protection Bureau, found these long-standing problems contribute to people in Native American-majority communities being nearly twice as likely to have medical debt in collections compared with the national average. And their amount of medical debt is significantly higher. The report found the program is often late to pay bills. In some cases, hospitals or collection agencies hound tribal citizens for more money after bills are paid. Hawley’s son was born in 2003. She had to wait another year to buy a home, as she struggled to pay off the debt. It took seven years for it to drop from her credit report. “I don’t think a person ever recovers from debt,” Hawley said. Hawley, a cancer survivor, still must navigate the referral program. In 2024 alone, she received two notices from clinics about overdue bills. Frank White Clay, chairman of the Crow Tribe in Montana, testified about the impact of wrongful billing during a U.S. House committee hearing in April. He shared stories of veterans rejected for home loans, elders whose Social Security benefits were reduced, and students denied college loans and federal aid. “Some of the most vulnerable people are being harassed daily by debt collectors,” White Clay said. No one is immune from the risk. A high-ranking Indian Health Service official learned during her job’s background check that her credit report contained referred-care debt, the federal report found. Native Americans face disproportionately high rates of poverty and disease , which researchers link to limited access to health care and the ongoing impact of racist federal policies . White Clay is among many who say problems with the referred-care program are an example of the U.S. government violating treaties that promised to provide for the health and welfare of tribes in return for their land. The chairman’s testimony came during a hearing on the Purchased and Referred Care Improvement Act, which would require the Indian Health Service to create a reimbursement process for patients who were wrongfully billed. Committee members approved the bill in November and sent it for consideration by the full House. A second federal bill, the Protecting Native Americans’ Credit Act , would prevent debt like Hawley’s from affecting patients’ credit scores. The bipartisan bill hadn’t had a hearing by mid-December. The exact number of people wrongfully billed isn’t clear, but the Indian Health Service has acknowledged it has work to do. The agency is developing a dashboard to help workers track referrals and to speed up bill processing, spokesperson Brendan White said. It’s also trying to hire more referred-care staff, to address vacancy rates of more than 30%. Officials say problems with the program also stem from outside health providers that don’t follow the rules. Melanie Egorin, an assistant secretary at the U.S. Department of Health and Human Services, said at the hearing that the proposed legislation doesn’t include consequences for “bad actors” — health facilities that repeatedly bill patients when they shouldn’t. “The lack of enforcement is definitely a challenge,” she said. But tribal leaders warned that penalties could backfire. Related Articles How America lost control of the bird flu, setting the stage for another pandemic How to kick back, relax and embrace a less-than-perfect holiday New childhood leukemia protocol is ‘tremendous win’ Norovirus is rampant. Blame oysters, cruise ships and holiday travel Abortion opponents shift focus to pills with lawsuits, proposed laws and possible federal action White Clay told lawmakers that some clinics already refuse to see patients if the Indian Health Service hasn’t paid for their previous appointments. He’s worried the threat of penalties would lead to more refusals. If that happens, White Clay said, Crow tribal members who already travel hours to access specialty treatment would have to go even farther. The Consumer Financial Protection Bureau report found clinics are already refusing to see any referred-care patients due to the program’s payment problems. The bureau and the Indian Health Service also recently published a letter urging health care providers and debt collectors not to hold patients accountable for program-approved care. White, the Indian Health Service spokesperson, said the agency recently updated the referred-care forms sent to outside hospitals and clinics to include billing instructions and to stress that patients aren’t liable for any out-of-pocket costs. And he said the staff can help patients get reimbursed if they have already paid for services that were supposed to be covered. Joe Bryant, an Indian Health Service official who oversees efforts to improve the referral program, said patients can ask credit bureaus to remove debt from their reports if the agency should have covered their bills. Leaders with the Confederated Tribes of the Colville Reservation in Washington state helped shape the proposed legislation after their citizens were repeatedly harmed by wrongful billing. Tribal Chairman Jarred-Michael Erickson said problems began in 2017, when a regional Indian Health Service office took over the referred-care program from local staff. It “created a domino effect of negative outcomes,” Erickson wrote in a letter to Congress. He said some tribal members whose finances were damaged stopped using the Indian Health Service. Others avoided health care altogether. Responsibility for the Colville Reservation program transferred back to local staff in 2022. Staffers found the billing process hadn’t been completed for thousands of cases, worth an estimated $24 million in medical care, Erickson told lawmakers . Workers are making progress on the backlog and they have explained the rules to outside hospitals and clinics, Erickson said. But he said there are still cases of wrongful billing, such as a tribal member who was sent to collections after receiving a $17,000 bill for chemotherapy that the agency was supposed to pay for. Erickson said the tribe is in the process of taking over its health care facilities instead of having the Indian Health Service run them. He and others who work in Native American health said tribally managed units — which are still funded by the federal agency — tend to have fewer problems with their referred-care programs. For example, they have more oversight over staff and flexibility to create their own payment tracking systems. But some Native Americans oppose tribal management because they feel it releases the federal government from its obligations. Beyond wrongful billing, access to the referred-care program is limited because of underfunding from Congress. The $1 billion budget this year is $9 billion short of the need, according to a committee report by tribal health and government leaders. Donald Warne, a physician and member of the Oglala Sioux Tribe in South Dakota, called the proposed legislation a “band-aid.” He said the ultimate solution is for Congress to fully fund the Indian Health Service, which would reduce the need for the referred-care program. Back in Montana, Hawley said she braces for a fight each time she gets a bill that the referral program was supposed to cover. “I’ve learned not to trust the process,” Hawley said. ©2024 KFF Health News. Distributed by Tribune Content Agency, LLC.ph365 free 100 。

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US House task force releases report on AI regulation with 66 key findings, 85 recommendationsTORONTO , Nov. 22, 2024 /CNW/ - Franklin Templeton Canada today announced cash distributions for certain ETFs and ETF series of mutual funds available to Canadian investors. As detailed in the table below, unitholders of record as of November 29, 2024 , will receive a per-unit cash distribution payable on December 9, 2024 . Fund Name Ticker Type Cash Distribution Per Unit ($) Payment Frequency Franklin Brandywine Global Sustainable Income Optimiser Fund – ETF Series FBGO Active 0.090153 Monthly Franklin ClearBridge Sustainable Global Infrastructure Income Fund – ETF Series FCII Active 0.011902 Monthly Franklin Canadian Government Bond Fund – ETF Series FGOV Active 0.049478 Monthly Franklin Canadian Ultra Short Term Bond Fund – ETF Series FHIS Active 0.066623 Monthly Franklin Canadian Corporate Bond Fund – ETF Series FLCI Active 0.066540 Monthly Franklin Canadian Core Plus Bond Fund – ETF Series FLCP Active 0.049906 Monthly Franklin Global Core Bond Fund – ETF Series FLGA Active 0.036584 Monthly Franklin Canadian Short Term Bond Fund – ETF Series FLSD Active 0.061568 Monthly Franklin Canadian Low Volatility High Dividend Index ETF FLVC Passive 0.056133 Monthly Franklin International Low Volatility High Dividend Index ETF FLVI Passive 0.068600 Monthly Franklin U.S. Low Volatility High Dividend Index ETF FLVU Passive 0.037867 Monthly Estimated Annual Reinvested Distributions Unitholders of record on December 31, 2024, will receive a per-unit reinvested distribution payable on January 9, 2025. These annual reinvested distributions, detailed in the table below, are estimates only as of September 30, 2024. The final year-end distribution amounts will be announced on December 20, 2024. Fund Name Ticker Type Estimated Annual Reinvested Distribution Per Unit ($) Franklin Core ETF Portfolio – ETF Series CBL Active 0.345380 Franklin Conservative Income ETF Portfolio – ETF Series CNV Active - Franklin All-Equity ETF Portfolio – ETF Series EQY Active 0.068630 Franklin Brandywine Global Sustainable Income Optimiser Fund – ETF Series FBGO Active - Franklin ClearBridge Sustainable Global Infrastructure Income Fund – ETF Series FCII Active - Franklin ClearBridge Sustainable International Growth Fund – ETF Series FCSI Active - Franklin Global Growth Fund – ETF Series FGGE Active - Franklin Canadian Government Bond Fund – ETF Series FGOV Active - Franklin Canadian Ultra Short Term Bond Fund – ETF Series FHIS Active - Franklin Innovation Fund – ETF Series FINO Active - Franklin FTSE U.S. Index ETF FLAM Passive 0.158483 Franklin FTSE Canada All Cap Index ETF FLCD Passive - Franklin Canadian Corporate Bond Fund – ETF Series FLCI Active - Franklin Canadian Core Plus Bond Fund – ETF Series FLCP Active - Franklin Emerging Markets Equity Index ETF FLEM Passive - Franklin Global Core Bond Fund – ETF Series FLGA Active - Franklin FTSE Japan Index ETF FLJA Passive - Franklin Canadian Short Term Bond Fund – ETF Series FLSD Active - Franklin International Equity Index ETF FLUR Passive 0.029145 Franklin U.S. Large Cap Multifactor Index ETF FLUS Smart Beta 2.299712 Franklin Canadian Low Volatility High Dividend Index ETF FLVC Passive 0.127420 Franklin International Low Volatility High Dividend Index ETF FLVI Passive 0.287091 Franklin U.S. Low Volatility High Dividend Index ETF FLVU Passive 0.040207 Franklin Growth ETF Portfolio – ETF Series GRO Active 0.598660 The annual reinvested distributions, as applicable, will not be paid in cash but reinvested in additional units and reported as taxable distributions, with a corresponding increase in each unitholder's adjusted cost base of their units of the respective ETF. The additional ETF units will be immediately consolidated so that the number of units held by the unitholder, the outstanding units and the net asset value of the ETFs will not change as a result of the annual reinvested distribution. The annual reinvested distributions, as applicable, are expected to be capital gains in nature for each of the ETFs. The actual taxable amounts of cash and reinvested distributions for 2024, including the tax characteristics of the distributions, will be reported to brokers through CDS Clearing and Depository Services Inc. in early 2025. Franklin Templeton's diverse and innovative ETF platform was built to provide better client outcomes for a range of market conditions and investment opportunities. The product suite offers active, smart beta and passive ETFs that span multiple asset classes and geographies. For more information, please visit franklintempleton.ca/etf . About Franklin Templeton Franklin Resources, Inc. BEN is a global investment management organization with subsidiaries operating as Franklin Templeton and serving clients in over 150 countries. In Canada, the company's subsidiary is Franklin Templeton Investments Corp., which operates as Franklin Templeton Canada . Franklin Templeton's mission is to help clients achieve better outcomes through investment management expertise, wealth management and technology solutions. Through its specialist investment managers, the company offers specialization on a global scale, bringing extensive capabilities in fixed income, equity, alternatives and multi-asset solutions. With more than 1,500 investment professionals, and offices in major financial markets around the world, the California -based company has over 75 years of investment experience and over US$1.6 trillion (over CAN$2.2 trillion) in assets under management as of October 31, 2024. For more information, please visit franklintempleton.ca . Commissions, management fees and expenses all may be associated with investments in ETFs and ETF series. Investors should carefully consider an ETF's and ETF series' investment objectives and strategies, risks, fees and expenses before investing. The prospectus and ETF facts contain this and other information. Please read the prospectus and ETF facts carefully before investing. ETFs and ETF series trade like stocks, fluctuate in market value and may trade at prices above or below their net asset value. Brokerage commissions and ETF and ETF series expenses will reduce returns. ETFs and ETF series are not guaranteed, their values change frequently, and past performance may not be repeated. Copyright © 2024. Franklin Templeton. All rights reserved. SOURCE Franklin Templeton Investments Corp. View original content: http://www.newswire.ca/en/releases/archive/November2024/22/c5240.html © 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.

Cyber protection ordinance: Draft fails to shake off ghosts of the past

Arsenal moved up to second in the Premier League table as they bounced back from Bukayo Saka’s injury blow to see off Ipswich in a sleepy festive affair. In their final fixture of 2024, the wasteful Gunners did not deliver a vintage display but still produced a third consecutive win across all competitions that was good enough to see them leapfrog both in-form Nottingham Forest and Chelsea and pull within six points of leaders Liverpool, who have a game in hand. Ipswich created a golden chance with just seconds on the clock in north London on Friday night, Leif Davis’ cross from the left flank deflected by the arm of Jurrien Timber but Sammie Szmodics unable to make enough connection with his attempted finish. That was as good as it got for the Tractor Boys in an otherwise very tough first half, which Arsenal absolutely dominated as they totally monopolised possession to the tune of 83 per cent. They were initially frustrated by some diligent, determined and compact defending from an Ipswich team that showed five changes from their 4-0 thrashing at home by Newcastle last weekend, including a change of defensive shape until top scorer Kai Havertz was able to get in front of Davis and guide home an enticing cross from the impressive Leandro Trossard from close range for his seventh Premier League goal of the season. The resurgent Gabriel Jesus thought he had the second goal of a dominant first period from Arsenal when he collected another fine Trossard ball and finished past Ipswich goalkeeper Ante Muric from a difficult angle with Gabriel Martinelli in close proximity, only to be rightly flagged for offside. The remainder of the first half meandered to an insipid conclusion with Arsenal still dominating possession but struggling to create many more clear-cut chances. Szmodics failed to punish a sloppy interchange between David Raya and William Saliba straight after the restart, with Arsenal quickly back in the ascendancy with a succession of blocked shots. Ipswich enjoyed their best spell of the game before the hour mark as they peppered the Arsenal box with dangerous deliveries, but they could not find the equaliser and should have gone 2-0 behind when an unmarked Gabriel somehow headed Declan Rice’s corner delivery the wrong side of the post from point-blank range. The late chances began to pile up for profligate Arsenal, Martin Odegaard playing on after a knock to the Achilles before forcing a fingertip save from Muric before his corner delivery was smashed on the volley by Rice and blocked crucially by Dara O’Shea, captaining Ipswich for the first time in the absence of suspended skipper Sam Morsy. Havertz could not add his second from inside the six-yard box before the towering Muric got down low to his right to parry an effort from substitute Mikel Merino. More to followInterview: Stefanie Powers finds her life’s calling in the William Holden Wildlife Foundation

Panama president rules out talks with Trump over canal threat's stock is skyrocketing as investors look to cash in on the company's reported efforts to increase profitability. US-listed shares surged 9% as of Thursday afternoon to trade at an intraday high of $197.44. The company's Tokyo-listed shares, meanwhile, rose 6% for an 11% gain over two days, its biggest two-day advance since August. The stock's rise comes after the Nikkei newspaper reported the company aims to double its return on equity target to 20%, up from market forecasts of 11% for the year ending in March. The report cites a company executive who asked not to be named. Toyota's surge brings the company's gains to just over 8% this year, underperforming the 's 26% year-to-date rally. The stock's latest rise helps pare recent losses after it had skyrocketed as much as 40% on a year-to-date basis in March. It's largely cratered since amid little demand growth compared to other auto giants like , and , despite being the world's biggest automaker after Germany's Volkswagen AG. The Japanese carmaker's global sales plateaued in November amid slowing demand and a pause in production at two of its facilities. The automaker's production process has also faced high exposure to tariff risks, with 19% exposure to Canada and 8% to Mexico, Citi analysts said in a note last month. President-elect has floated as high as 25% on both countries, though it remains uncertain if he will fully follow through on the policies or if his proposals are merely . Other carmakers have similarly surged in recent weeks, with reports of a sending Honda and Nissan's stocks skyrocketing. If finalized, the merger would make for the world's third largest automaker by volume, helping the companies better compete with Toyota. Honda and Nissan would have a combined light vehicle volume of 7.4 million units, compared with Toyota's 10.3 million, according to a recent Morgan Stanley note. The merger would also mark the largest in the Japanese auto industry's history and could be the start of a trend as automakers face an increasingly competitive landscape, the analysts said. "Given the industry dynamic, there could be more consolidation to come, in our view. Legacy auto companies that don't find new partners must face the prospect of being smaller companies with higher capex/R&D spend per unit," they wrote. Read the original article on

Last year, Donald Trump Jr.’s longtime fiancee Kimberly Guilfoyle was his proud date to Donald Trump’s annual Christmas celebration at Mar-a-Lago. This year, Guilfoyle was replaced at the Mar-a-Lago holiday festivities by Trump Jr.’s new girlfriend, Palm Beach socialite Bettina Anderson, the Daily Mail reported . Unfortunately for the new lovers, some Trump family allies and insiders are not happy about Anderson’s quick ascension into the family orbit, the Daily Mail also is reporting. The 37-year-old model and influencer was photographed seated next to Trump Jr. at the Christmas Eve dinner table, near the president-elect and his wife Melania Trump. Ivanka Trump, her husband Jared Kushner and their three children also attended the Christmas Eve dinner, Page Six reported . Some of the allies and insiders have told the Daily Mail that Anderson “isn’t MAGA enough,” while two friends of Trump Jr. expressed concern that she’s essentially a shallow influencer and “social climber” who is using Trump’s oldest son to snag an even wealthier and more powerful romantic target — someone like billionaire Elon Musk. “It’s one thing to worry about Palm Beach shenanigans making a stop at Mar-a-Lago,” a source close to the Trump transition team told the Daily Mail. “But to let those problems penetrate the White House is a new level of trouble.” The source appears to be referring to what the Daily Mail said was an “open secret” simmering in Palm Beach circles in the late summer and fall — how 46-year-old Trump Jr. had begun “fooling around” with the younger, Anderson, even while he was still engaged to 55-year-old Guilfoyle, a MAGA firebrand and top Trump campaign fundraiser. Rumors about Trump Jr.’s dalliance with Anderson began in September when images emerged of the couple kissing and cuddling while dining at a restaurant near Mar-a-Lago. Earlier this month, Trump Jr.’s relationship with the 37-year-old Anderson gained public recognition, after Trump announced that he was nominating Guilfoyle to be his ambassador to Greece. Guilfoyle’s nomination was seen by some political observers as a way that Trump could reward the former Fox News host for her political loyalty, while nudging her out of his “immediate sphere” and sending her off to Europe so that his son could openly pursue his new relationship with Anderson. At the time, sources close to Trump Jr. told People that he had became tired of his six-year relationship with Guilfoyle , the former first lady of San Francisco and ex-wife of California Gov. Gavin Newsom-turned Trump loyalist. For one thing, Trump Jr. didn’t like Guilfoyle’s “style,” including her “tight dresses.” He felt that Anderson, with her honey-blonde hair and “Waspy” model looks, would “impress” his father and perhaps make her a more ideal romantic partner. “Don Jr. has always wanted to look good in his father’s eyes,” the political source told People. Apparently, Anderson’s more natural, fun-loving style also was more to Trump Jr.’s taste these days, especially as he saw that she could become his “own Melania Trump equivalent,” a source told People. “She is a party girl, and outgoing, and Don is smitten with her,” a Palm Beach source told People. “Bettina is smart, sexy and savvy and knows it. She likes to have fun,” another source added. “Who knows what, if anything, will come from this.” Trump family members also got tired of Guilfoyle’s attention-seeking ways. Sources told People and the Daily Mail that they expected that Guilfoyle knew about Trump Jr.’s affair with Anderson, but chose “to look the other way because she loves the power and lifestyle.” Once Trump Jr. felt he could shed his public association with Guilfoyle, he began to “flaunt” his romance with Anderson, being photographed holding hands with her during a dinner date with her in Palm Beach in December, the Daily Mail reported. After Trump announced that he wanted to send Guilfoyle to Greece, Trump Jr. and Anderson jetted off to Italy for a romantic getaway, the Daily Mail reported. Anderson also publicly posted photos of love letters and flowers sent to her from Trump Jr., and openly documented their European vacation. Someone described as a “close, personal friend” of Trump Jr. told the Daily Mail that he wasn’t concerned about Anderson. He said he expected there would “be gossip and trash talking, just because that’s kind of the world of Palm Beach and, you know, the universe they live in.” If Trump Jr. has heard any concerns about Anderson, he hasn’t let this friend know, according to the Daily Mail. Stacey Bendet, a fashion designer and close friend of Anderson’s, expressed dismay that her friend had become the target of social-climber rumors. “I have been friends with Bettina for a decade, she is the kindest soul, she has the biggest heart, she is witty and wise, hilariously funny, and an Ivy League grad — anyone who says a word otherwise is just another societal example of women fixating on competing verse empowering,” said Bendet, CEO of Alice + Olivia, in a text to the Daily Mail. Anderson has been seen at Alice + Olivia events over the years, the Daily Mail reported. Bendet added in her text: “Don adores her for good reasons!” However, some Trump family allies feel very differently about Anderson and are “doing everything they can” do to get Trump Jr. to end their relationship, the Daily Mail reported. Someone who worked for the Trump campaign the last five years told the Daily Mail that Trump Jr. is “slowly” starting to “wake up” to how Anderson is perceived in MAGA circles. Allies question her MAGA loyalty because of her previous support for the Black Lives Matters movement and her adherence to COVID-19 lockdown rules, the Daily Mail reported. But they also wonder about her “notorious party girl reputation in Palm Beach,” which they think somehow isn’t “highbrow enough” to be associated with the Trump family, the Daily Mail also said. Someone who works in the modeling business and who has known Anderson for years speculated to the Daily Mail that she’s using Trump Jr. as a stepping stone and would prefer to date someone like Musk. People who’ve known Anderson in Palm Beach also told the Daily Mail that she regularly dates wealthy older men. Even though Musk already is the world’s richest man, he stands to gain even more power in the incoming Trump administration, according to critics of both Musk and Trump. These critics note that the billionaire SpaceX founder donated at least a quarter of a billion dollars to support Trump’s campaign, and he’s been rewarded by becoming a regular presence at Trump’s side since his Nov. 5 victory. Musk now is on tap to lead the new DOGE agency, whose purported mission is to drastically reduce federal government spending and “waste.”

Chasing those childhood summer feels? From reinvigorated motels to bush cabins laced with luxury, here are some of our favourite nostalgia-inducing spots across the state. MOTEL MAGIC Sunnymead Hotel, Aireys Inlet Why If the bright-yellow Billy Buttons and kangaroo paw plantings swaying in the breeze don’t win you over, the sunshine-shaded rooms of this retro motel in Aireys Inlet, an hour-and-45-minute drive from Melbourne, will. This 20-room motel is also home to a boutique day spa (with an ochre-toned steam room, communal bathhouse and treatment menu); a restaurant, Santara, which serves up “sunny hour” $12 cocktails and chicken-salted crispy oyster mushrooms from Friday through Tuesday; and a pool that’s studded with loungers and yellow umbrellas. Plan in advance and order a continental “breakfast bag” featuring local sourdough, butter, jam and juices. In the cooler months, a fire pit blazes. Rooms from $150. See sunnymeadhotel.com.au Nearby Pick up a new beach read at Great Escape Books . Sandy Gully Beach is a 10-minute walk away. A 30-minute drive up the road, farming social enterprise and cafe Common Ground Project offers pastries and scenic vistas; the hub of Lorne – with its beach and eateries – is 25 minutes in the other direction. Holbrook Motel, Holbrook Why The ideal stopover for Melbourne-Sydney road trips, the recently renovated Holbrook Motel is a small-town gem. Just 40 minutes north of the Victorian border, 18 meticulously refreshed (and generously sized) rooms are anchored by king beds, blue-tiled showers with shampoo scented with native botanicals, and a patio overlooking a central pool. Your undercover parking spot features a bucket with a squeegee: a thoughtful addition that makes clearing the bugs collected on the Hume that little bit easier. Rooms – including one accessible – from $130. See holbrookmotel.com.au Nearby Famous for its 90-metre landbound submarine, HMAS Otway, Holbrook is also home to two ripper second-hand bookstores and the National Pottery Museum . Order locally reared steak at the Holbrook Hotel , just down the road. Soak in the view from the Yambla View “Wambariga” Lookout. River Drive Motel, Tarwin Lower Credit: Nicky Cawood Why This five-room boutique motel in Tarwin Lower, on the way to Wilsons Prom, packs a punch for its size. The one-acre property enjoys gardens shaded by established trees, big hooded barbecues and the quintessential summer song of string tennis games. It’s all about the family here, so grab a cruiser (and helmet) or a game from the garden shed and head down to the beach, or settle in and cook up with the full kitchen and minibar. It’s all style in the rooms, with angular timber detailing, dark shades of blue and green (and bubblegum pink retro bathroom tiles), and eclectic modern art on the walls. Rooms from $320. See riverdrivemotel.com.au Nearby Swim at Walkerville South Beach. Grab dinner at the Riverview Pub . Pick up produce at Flock, Stock & Basil ’s Saturday farmgate shop. Cast a line from one of Tarwin’s many wooden fishing platforms along the Tarwin River Boardwalk. Pick up a one-of-a-kind handmade mug at Valley Plains Pottery . PUB LIFE The Victoria, Rutherglen Credit: By George Photography Why Transformed over two years by a Corowa local and her husband, this 1894 pub in Rutherglen – a three-hour drive from Melbourne – is now a decadent High Country hotel with a fire-inspired restaurant turning out venison tartare and flame-licked scotch fillet. Generous rooms (including eight more by mid-2025) sport king-size beds, brass fixtures, sitting areas and – in some – soaking tubs. History oozes from the original double-hung windows, bounces between walls covered with custom pony-patterned wallpaper, and echoes beneath the heritage-listed four-metre ceilings. Sit out on the guest-only verandah, wrapped with a replica of the original wrought iron balustrade, and you’ll be transported to yesteryear. Rooms from $245. See victoriahotelrutherglen.com.au Nearby Experience Rutherglen’s wine bounty at female-owned Stanton & Killeen . Explore the heritage facades now home to a candle shop, eateries (including Grace. ) and boutiques. Pick up an e-bike from Rutherglen Radler and cycle around to see them all. Portarlington Grand Hotel, Portarlington Why This 18-room beachside hotel an hour-and-45-minute drive from Melbourne has been a part of Portarlington since 1888, once a resting place for weary travellers – whether visiting by ship or horsedrawn buggy. Now a boutique hotel, it features sumptuous wood-toned interiors, custom Australian-made furniture and dramatic carpet fashioned with William Morris art. Grand Bay rooms enjoy harbour views from private balconies, but all have generous bathrooms and minibars stocked with Geelong-based Love Tea and Sideroads coffee. Indulge in bowls of Portarlington mussels and play giant Jenga on the lawn (which was once a drive-through bottleshop). Rooms – including two accessible – from $255. See portarlingtongrandhotel.com.au Nearby Jump on a Portarlington Mussel Tours boat for a seafood journey or visit in January for the annual mussel festival. Grab potato and broccolini pizza at Staple Eatery . Visit the historic Portarlington flour mill. Bunyip Hotel Cavendish, Cavendish Why Currently hosting guests from Thursday through Sunday, this country hotel a 31⁄2-hour drive west of Melbourne is a powerhouse of good food and regional hospitality. The head chef shears sheep on his days off and the hotel celebrates produce – from flowers to eggs to cured meats – from hyper-local suppliers. (The owners’ other business recycles plastic farm refuse, such as bale wraps and discarded drip lines, so they walk the regional talk.) Three rooms share communal bathrooms, which feature vintage meat safes as cabinetry, and an 11am checkout. Add an affordable five-course dinner onto your stay: it’s well worth it. Rooms from $120. bunyiphotelcavendish.com Nearby Wander Settlers Walk to go (way) back in time, or skip rocks along the Wannon River. Buy stamps, fishing bait and a coffee at Bridge Cafe . Time your visit to co-ordinate with local festivals in April (Red Gum Festival) and November (Fleece & Flower Show). CAMPING OUT Bright Discovery Park, Bright Why Wake up to birdsong and spot roaming wild deer at this family-run caravan park on the banks of the Ovens River in Bright, a 31⁄2-hour drive north-east of Melbourne. Newly built cabins enjoy rain shower heads, four-burner gas cooking, gas fireplaces and personal patios (perfect for a game of Sequence). Kids bounce off the kanga pad in the gated playground or ride on bikes beneath snow gums, but you’ll feel like a kid with a game of tennis or a song around the brick-and-steel campfire. The owners planted garden beds stocked with rosemary, mint, oregano and lettuces; take what you need to elevate your dinner. Campsites from $34. Cabins – including one accessible – from $153. See discoveryholidayparks.com.au Nearby Buy locally made cheese at The Peak Artisan Cheesemakers . Wander alongside baby emus at Red Stag Deer & Emu Farm . Pick up gems at the monthly Bright Farmers Market. Soak in the view from Sullivans Lookout. Anywhere, Parks Victoria Credit: Tourism Victoria Why Grab the tent and pack the ute: from December 30 until June 30, 2025, travellers can enjoy free access to 131 normally paid campsites across the state with Parks Victoria. That includes dog-friendly camping at designated sites at Banksia Bluff campground, beach-access camping at Blanket Bay, and camping closer to the inner city, including at picturesque Lake Eildon. Further afield, top spots to take advantage of include hike-camping in Alpine National Park (for experienced, self-sufficient campers – and even those with horses through the Bogong High Plains) and Tidal Bluff, a 484-site-strong campground at Wilsons Prom. Bookings are essential to manage demand and access. Some campsites have access to hot showers and shelters, but many do not; research and plan accordingly. See parks.vic.gov.au The writer travelled as a guest of some properties; other travel was self-funded.

CHICAGO (AP) — The Seattle Seahawks placed running back Kenneth Walker III on injured reserve prior to their game against the Chicago Bears on Thursday because of an ankle injury. Walker hurt his ankle in last week's loss to Minnesota and left that game after sitting out the previous two because of a calf problem. He also missed two weeks in September with an oblique issue. Walker has run for 573 yards and seven touchdowns on 153 carries. A second-round draft pick by Seattle in 2022, he has 2,528 yards rushing and 24 TDs in his career. Walker could, in theory, return if the Seahawks win two playoff games, though their postseason hopes were slim entering the game against Chicago. Seattle (8-7) trailed the NFC West-leading Los Angeles Rams (9-6) by one game with two to play. The Seahawks' best path to the postseason was to win the final two regular-season games and have Los Angeles lose to Arizona on Saturday. Seattle visits the Rams to close the regular season. With Walker out, Seattle signed rookie running back George Holani off the practice squad. ___ AP NFL: https://apnews.com/hub/NFLAllergen for Grass Pollen Allergy is under clinical development by Roxall Medizin and currently in Phase II for Grass Pollen Allergy. According to GlobalData, Phase II drugs for Grass Pollen Allergy have a 73% phase transition success rate (PTSR) indication benchmark for progressing into Phase III. GlobalData tracks drug-specific phase transition and likelihood of approval scores, in addition to indication benchmarks based off 18 years of historical drug development data. Attributes of the drug, company and its clinical trials play a fundamental role in drug-specific PTSR and likelihood of approval. Allergen for Grass Pollen Allergy overview Allergen extract is under development for the treatment of grass pollen allergy and allergic rhinitis and rhino conjunctivitis due to birch pollen. It is administered subcutaneously and sublingual route. The drug candidate is a cluster-allergoid extract of grasses and rye (glutaraldehyde-polymerized allergen extract of mixtures of grass and rye allergens such as Holcus lanatus, Dactylis glomerata, Lolium perenne, Phleum pratense, Poa pratensis, Festuca elatior, Secale cereale. These allergen extracts are key contributors of allergic rhinitis and rhino-conjunctivitis. Roxall Medizin overview Roxall Medizin (Roxall) is a manufacturer and distributor of pharmaceutical products. The company develops products in allergology, immunology and emergency medicine fields. Its products include CLUSTO-Prick and Prixi. Its CLUSTO-Prick product operates as a medical device for in-vivo diagnostic of allergic diseases and provides automated system for skin prick tests. Roxall provides pharmaceutical products for therapy of poisoning emergencies. The company offers allergy services to the allergologically operating specialist and clinics. It also provides biologically and biochemically standardized allergen extracts for diagnosis and treatment. Roxall is headquartered in Oststeinbek, Hamburg, Germany. For a complete picture of Allergen for Grass Pollen Allergy’s drug-specific PTSR and LoA scores, This content was updated on 12 April 2024 From Blending expert knowledge with cutting-edge technology, GlobalData’s unrivalled proprietary data will enable you to decode what’s happening in your market. You can make better informed decisions and gain a future-proof advantage over your competitors. , the leading provider of industry intelligence, provided the underlying data, research, and analysis used to produce this article. GlobalData’s Likelihood of Approval analytics tool dynamically assesses and predicts how likely a drug will move to the next stage in clinical development (PTSR), as well as how likely the drug will be approved (LoA). This is based on a combination of machine learning and a proprietary algorithm to process data points from various databases found on GlobalData’s .Jeff Bezos Advocates Growth, Trump's Tariff Threats, And The Fed's Latest Moves: This Week In EconomicsSEC rushing leader Dylan Sampson of Tennessee declares for NFL draft

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