Via Data Arbor, as of mid-July, states with largest y/y increase in serious mortgage delinquency rates (90 or more days past due) were Florida, South Carolina, and Georgia ... states that saw largest declines were New York, Hawaii, and Rhode Island #Housing #EconSky

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Disintermediating PBMs could save Americans $100b per yr academic.oup.com/healthaffair...

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We need to make it illegal for AI models to offer advertising. And, we need to really examine referral fees as well. The last thing we need is to have algorithms designed to maximize revenue driving LLM output and interactions. We need to have learned our lessons from algos in social media

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On sale now; releasing 9-9

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