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lottery ball machine Lynn Jones had never even met a gnome. The 80-year-old Chemainus resident has lived what she describes as “an adventurous life”, moving all over B.C., from the water to the wild, restoring and reselling houses for a living with her husband. “We moved a lot,” said Jones. “We’d buy places, fix them up all over interior B.C. We had time out in the wilderness, we lived on a boat one time at Maple Bay Marina and we used to scuba dive. I’ve done a lot of different things but I've never met up with gnomes. I didn't know what they were!” That all changed last summer when her daughter Cindy Doumont was painting the exterior of her own house and came across several old ceramic gnomes in her garden. “They all were in really bad shape," said Doumont. "I hauled them all out, brought them in the house saying, ‘one of these days I'm going to paint them.’ But I knew very well that three years later they'd still be sitting there waiting for me to find the time to do it. I thought, well, I'm going to ask my mom and see if she would like to.” A lifelong artist, Lynn Jones has been painting canvases for years, but she’d never painted gnomes before. Her artistic touch quickly transformed the worn and weather-beaten garden guardians. “It just seemed to come natural to paint these little characters,” Jones said. “You'd laugh because I talk to them the whole time I'm painting them. They're personal to me. I got up at seven o'clock one morning because I thought, ‘Oh, Jack! Jack is sitting in there and I gotta get Jack done!’” Jones thoroughly enjoyed the project but Doumont was now out of gnomes. She wondered if there were other people in Chemainus with gnomes in need of a glow up. Neither Doumont nor Jones is on Facebook so they enlisted the help of Doumont’s daughters to post a call out on the social media platform in local groups. The response was overwhelming. Doumont and her daughter set about picking up the gnomes-in-need from local residents, carefully tracking each gnome to return them to the correct owner once restored. They even had to take the post down when Doumont’s vehicle was packed full of gnomes, almost 50 of them, to give Jones a chance to catch up. The family was not prepared for such a huge response and couldn't have predicted the impact Jones’s gnome makeovers would have on people. “We had people that were crying, because most of the stuff that comes to us has sentimental value,” Doumont explained. “Gnomes aren't as popular nowadays so if people have gnomes, they usually have been handed down and they have sentimental reasons for keeping them. So we've had people crying, just really thrilled.” And Jones is just as thrilled about her little painted friends. “They almost become real to me by the time I finish them,” said Jones. “It's rewarding.” She meticulously cleans each gnome before getting to work, using her artistic skills to make them appear lifelike, all while chatting to them as she paints. The gnomes are so detailed they seem like they might just talk back, and people often comment on how real their eyes and faces look when they pick them up. Community support extended beyond donations of gnomes; a local business also contributed. When Doumont’s husband told the people at Country Chic Paints in Duncan what his mother-in-law was doing, they generously donated paint to the project. Jones sticks to a schedule, spending her mornings painting gnomes for three or four hours a day before heading out on her regular afternoon walk. She also takes on responsibilities around her apartment building, touching up paint and beautifying the interior and exterior of the building. She likes to stay active and engaged, especially since her husband Keith died a few years ago. “We met when we were 15 and [were] married for so many years, so it was hard because he's always been there. It's hard when you're a widow all of a sudden.” Jones is grateful for the community she lives in where she knows people and can be useful around the building. The gnomes help too. Once Jones had finished the first round of gnome restoration, her granddaughters made a second post looking for more gnomes she could paint. But with the change of seasons, the response has been smaller this time and Jones is waiting for more gnomes. “I’m gnomeless,” she quipped. Anyone who thinks her lack of gnome projects means she’s left twiddling her thumbs has obviously never met the spry octogenarian. Jones encourages other seniors to find a fulfilling hobby and keep busy like she does. “We've all got things that we can do, that we enjoy doing. Just because you get old doesn't mean you sit in a chair and stare out the window,” Jones said. “Life's short. You’ve got to do the best you can in your life while you’ve got it.” From making over houses around B.C. with her husband to making over gnomes at her home in Chemainus, Lynn Jones is bringing life back to local gnomes and joy to the community. And the joy she gets from painting, and talking to, her little ceramic buddies is evident. “It's a blessing,” she said. “It's a real blessing for me to be able to do each one of them.” Anyone with gnomes they'd like Jones to work her magic on can visit the Facebook page, .

We’re sure Santa’s got great taste, but in case he needs a little help, we’ve rounded up 15 perfect pieces of jewelry to make your holiday sparkle. This year’s trends include bold gold creations that are sure to stand out, and crafted to stand the test of time, Colorful gems in rich hues are also on our wish list, with elegant emeralds leading the pack. And though we’re currently singing “Let it Snow,” we wouldn’t mind seeing some luxury pieces with floral motifs in our stocking. HANG LOOSE: Irene Neuwirth Tassel Earrings in 18-k Yellow Gold with Emerald and Sapphire Beads String together your holiday look with dazzling, dangly drops made with vibrant gemstones. DOME SWEET DOME: London Collection Dome Ring in 18-k Yellow Gold with Emeralds A shapely band with an evergreen stripe of princess-cut gems works from day to night. LOVELY LAYERS: Marlo Laz Birth of Venus necklace in 14-k Yellow Gold with Aquamarine, Tourmalines, Garnet, Citrine, Opals and Diamonds This Botticelli-inspired gold chain dripping with gems is absolutely goddessworthy. CUTE AS A BUTTON: Pomellato Pom Pom Dot Earrings in 18-k Rose Gold with Diamonds Riffing on a heritage necklace from the 1970s, these earrings give a cool-girl twist to classic studs. WRIST CHECK: Rolex Platinum Day Date 40mm Glacier Blue Diamond Dial Warning: Jaws may drop when unwrapping this bejeweled Rolex. HOLLY JOLLY: Reza Triptych Ring in 18-k Rose Gold with Spinel and Emeralds Your days will be merry and bright with this festive design trimmed with serious stones. PEACHES ‘N’ CREAM: The One I Love NYC Pendant in Platinum and 22-k Yellow Gold with Topaz (Chain Sold Separately) The contrast of this imperial stone surrounded by platinum creates an ethereal aesthetic. MAKE A CAMEO: Francesca Villa Dew Drop Earrings in 18-k Yellow Gold with Iolite and Diamonds The Peace Garden collection includes 1960s Japanese cameos surrounded by diamonds for modern splendor. SPLIT DECISION: Tiffany & Co. Elsa Peretti Split Ring 18-k Yellow Gold A ring version of the cult-classic Elsa Peretti cuff is sure to please both sides. WRAP STAR: Tabeyer Oera Bracelet in 18-k Yellow Gold with Red Jasper, Madeira Citrine, Diamonds and Sapphires This coiled triple-wrap bracelet brings its own arm party to the holiday party. NECK AND NECK: Chanel Bouton de Camélia Choker in 18-k Yellow Gold with Diamonds A splendidly stylish choker showcases the house’s signature Camélia flower. BIG DROP: Retrouvai Balloon Magna Drop Earrings in 14-k Yellow Gold with Emeralds Go green and gift these bold jewels mixed with beautiful stones. EMERALD CITY: Sorellina NYC Nomad Pendant in 18-k Yellow Gold with Emerald and Diamonds This mesmerizing, one-of-a-kind creation will keep heads turning. GARDEN CENTER: Jacob & Co. Fleurs De Jardin watch in 18-k rose gold with diamonds, sapphires and tsavorite A botanical timepiece works double time as a portable greenhouse for nature and art lovers alike. DOUBLE TROUBLE: Van Cleef & Arpels Perlée diamonds duo ring in 18-k yellow gold and diamonds Golden beads entwined with diamonds give twice the sparkle to an everyday staple.

Innofactor Plc Stock Exchange release, on November 25, 2024, at 20:00 Finnish time Innofactor's Board of Directors has appointed Anni Wahlroos as Debuty CEO for Innofactor Group as of November 25, 2025. She will continue as the Chief People Officer of the Innofactor Group and as a member of the Group's Executive Board, reporting to CEO Sami Ensio. Wahlroos has been with Innofactor since 2015 and has been a member of the Group's Executive Board since 2022. "I am grateful and humbled by the trust placed in me. At Innofactor, we have the most amazing professionals and clients in the Nordic countries, and it has been a joy and an honor to do my dream job with them for the past ten years. Innofactor's new strategy, the rapidly changing world, and artificial intelligence bring exciting opportunities for the future as well," says Anni Wahlroos. "I am very pleased with Anni's appointment as our Deputy CEO. Over the past ten years at Innofactor, Anni has demonstrated exceptional expertise and commitment to the company and her work. A skilled and motivated staff is at the core of Innofactor's operations - PeopleFirst. I am confident that Anni will continue to develop Innofactor and help the company achieve its growth targets also in the future," says CEO Sami Ensio. Espoo, November 25, 2024 INNOFACTOR PLC Board of Directors Additional information: Sami Ensio, CEO Innofactor Plc Tel. +358 50 584 2029 [email protected] Distribution: NASDAQ Helsinki Main media www.innofactor.com Innofactor Innofactor is the leading driver of the modern digital organization in the Nordic Countries for its about 1,000 customers in commercial and public sector. Innofactor has the widest solution offering and leading know-how in the Microsoft ecosystem in the Nordics. Innofactor has about 600 enthusiastic and motivated top specialists in Finland, Sweden, Denmark and Norway. The Innofactor Plc share is listed in the technology section of the main list of NASDAQ Helsinki Oy. www.innofactor.com #ModernDigitalOrganization #PeopleFirst #CreatingSmiles #BeTheRealYou

NEW DELHI (AP) — Prime Minister Narendra Modi’s Hindu nationalist party headed for a victory Saturday in state elections in politically significant Maharashtra while the opposition won mineral-rich Jharkhand state. Polling in the two states are seen as a test of Modi's popularity after his party returned to power in June national elections but was forced to form a coalition government with help from regional partners. India’s Election Commission said Modi’s Bharatiya Janata Party and its allies have already won 183 of 288 seats and were leading in another 48 seats in Maharashtra, India’s wealthiest state and home to the country's financial and entertainment capital, Mumbai. The opposition Congress party and its allies have won 50 of 81 seats and were leading in another four seats in eastern Jharkhand state, according to the commission. It said vote counting was nearing completion and final results were expected later on Saturday. Modi's BJP and a Hindu nationalist ally currently rule Maharashtra, where Hindus constitute nearly 80% and Muslims 11.5% of its 126 million people. An opposition alliance, including the Congress party, is in power in eastern Jharkhand state. The BJP has used slogans such as, “If you divide, then you will die,” and “If we are united, then we are safe,” to attract majority Hindu votes. The opposition accused it of trying to polarize voters along Hindu-Muslim religious lines. Meanwhile, Priyanka Gandhi from Congress party, the 52-year-old scion of the Nehru-Gandhi political dynasty, is set to make her debut in Parliament after winning the race against a Communist Party candidate by a huge margin of over 400,000 votes in the Wayanad seat in southern Kerala state. She contested a special election after her brother Rahul, who was elected in two constituencies in June, had to vacate one. Her mother Sonia Gandhi is already in Parliament. The BJP had hoped to attract women with a plan that provides 1,500 rupees ($18) a month to over 20 million women in the 21-65 age group whose annual family income is less than 250,000 rupees ($3,010). The Congress party promised women double that amount and free transportation in government buses. The opposition also hoped to capitalize on the simmering disaffection with high youth unemployment, inflation and low crop prices during the BJP’s rule. In September, Congress was able to secure votes in India’s insurgency-wracked Jammu and Kashmir after a 10-year gap. But Modi’s BJP regained momentum in October and won the Haryana state election even though pollsters had predicted an easy victory for Congress.EAST RUTHERFORD, N.J. (AP) — Drew Lock is likely going to start at quarterback for the New York Giants against the Indianapolis Colts on Sunday when they try to end a franchise-record 10-game losing streak. Lock started against Atlanta last weekend and his status became an issue after the 34-7 loss when coach Brian Daboll said the 28-year-old was having an issue with his right shoulder. An MRI was done Monday and Daboll announced Tuesday that Lock would be his starter if he stayed healthy. “It came back good so rocking and rolling,” Lock said, noting he was hurt on a third down pass to Daniel Bellinger in the first quarter when Falcons linebacker Matthew Judon pulled his arm on the play. He finished the game. There were questions whether Daboll would switch back to Tommy DeVito after Lock threw two pick-6s and lost a fumble on a strip-sack against the Falcons. Lock has had three interceptions returned for scores in three starts this season, including two on tipped passes. Daboll said it was important to give Lock a couple of starts in which he was able to get all the reps in practice. “Knowing what we did the week before, take the things we need to get better at into this week and actually be able to go out there and do it is something I’m looking forward to,” Lock said. “Similar cadences with the guys, being in the huddle together. I think it can only be a positive for such a roller coaster out of that spot.” The one thing that might change this week is the Giants center. John Michael Schmitz has an ankle injury and he did not practice Tuesday. He left the locker room with a boot on his right foot. New York has moved veteran guard Greg Van Roten to center when Schmitz was hurt and Lock also worked with guard Austin Schlottmann as his center while playing in Denver. “I’m pretty familiar with all the guys that are rotating in there,” Lock said. The Giants have the NFL’s worst scoring offense, averaging 14.3 points. They benched Daniel Jones coming out of their bye week and days later released him after he requested it. DeVito has started two games and Lock three since Jones was released. New York has scored 59 points in those games, with 20 coming against Dallas in a seven-point loss on Thanksgiving. Running back Tyrone Tracy (ankle), wide receiver Malik Nabers (knee-foot), cornerback Greg Stroman (shoulder-shin), defensive tackle Cory Durden (shoulder), inside linebacker Micah McFadden (neck) and cornerback Dru Phillips (shoulder) also did not practice on Tuesday, which is usually a day off. The team will have off on Christmas Day and return to practice on Thursday. The Giants opened practice on Tuesday with the song “It’s the Most Wonderful Time of the Year” blaring on the loudspeakers in their indoor practice facility. Jones, who is on the Minnesota Vikings practice squad, sent the Giants offensive linemen Christmas gifts. “DJ comes in, saves me and Tommy once again, and then takes care of the guys,” Lock said. “I expected nothing less from the guy. That’s just who he is, and cares about these guys still.” ___ AP NFL: https://apnews.com/hub/nfl

NoneFAIRMONT, W.Va.--(BUSINESS WIRE)--Nov 21, 2024-- MVB Financial Corp. (NASDAQ: MVBF) (“MVB Financial,” “MVB,” or the “Company”) has declared a quarterly cash dividend of $0.17 per share, maintaining the dividend declared in the previous quarter for shareholders of record as of December 1, 2024, payable on December 15, 2024. This is the fourth quarterly dividend for 2024. “We are pleased to continue to add value for our shareholders and encouraged by the adaptability of Team MVB and the resilience of our business model,” said Larry F. Mazza, Chief Executive Officer, MVB Financial. “MVB’s foundational strength remains intact, evidenced by stable asset quality, an enhanced capital base and growth in tangible book value per share. We are increasingly well-positioned for future growth and improved profitability.” About MVB Financial Corp. MVB Financial Corp., the holding company of MVB Bank, Inc., is publicly traded on The Nasdaq Capital Market® under the ticker “MVBF.” Nasdaq is a leading global provider of trading, clearing, exchange technology, listing, information and public company services. Through its subsidiary, MVB Bank, Inc., and the Bank's subsidiaries, the Company provides banking services to Fintech clients throughout the United States. For more information about MVB, please visit http://ir.mvbbanking.com . Forward-Looking Statements MVB Financial has made forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, in this press release that are intended to be covered by the protections provided under the Private Securities Litigation Reform Act of 1995. These forward-looking statements are based on current expectations about the future and are subject to risks and uncertainties. Forward-looking statements include, without limitation, information concerning possible or assumed future results of operations of the Company and its subsidiaries. Forward-looking statements can be identified by the use of words such as “may,” “could,” “should,” “would,” “will,” “plans,” “believes,” “estimates,” “expects,” “anticipates,” “intends,” “continues,” or the negative of those terms or similar expressions. Note that many factors could affect the future financial results of the Company and its subsidiaries, both individually and collectively, and could cause those results to differ materially from those expressed in forward-looking statements. Therefore, undue reliance should not be placed upon any forward-looking statements. Those factors include but are not limited to: market, economic, operational, liquidity, and credit risk; changes in market interest rates; impacts related to or resulting from recent bank failures and volatility; inability to achieve anticipated synergies and successfully integrate recent mergers and acquisitions; inability to successfully execute business plans, including strategies related to investments in Fintech companies; competition; the pace of recovery following the continued effects of the COVID-19 pandemic and its impact on the Company’s business and financial condition; changes in economic, business, and political conditions; changes in demand for loan products and deposit flow; operational risks and risk management failures; and government regulation and supervision. Additional factors that may cause actual results to differ materially from those described in the forward-looking statements can be found in the Company’s Annual Report on Form 10-K for the year ended December 31, 2022, as well as its other filings with the Securities and Exchange Commission (“SEC”), which are available on the SEC’s website at www.sec.gov . Except as required by law, the Company disclaims any obligation to update, revise, or correct any forward-looking statements. View source version on businesswire.com : https://www.businesswire.com/news/home/20241121464014/en/ CONTACT: MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank abaker@mvbbanking.com (844) 682-2265INVESTOR RELATIONS Marcie Lipscomb mlipscomb@mvbbanking.com (844) 682-2265 KEYWORD: WEST VIRGINIA UNITED STATES NORTH AMERICA INDUSTRY KEYWORD: BANKING PROFESSIONAL SERVICES FINANCE SOURCE: MVB Financial Corp. Copyright Business Wire 2024. PUB: 11/21/2024 04:30 PM/DISC: 11/21/2024 04:30 PM http://www.businesswire.com/news/home/20241121464014/enNone

As open enrollment for Affordable Care Act plans continues through Jan. 15, you’re likely seeing fewer social media ads promising monthly cash cards worth hundreds, if not thousands, of dollars that you can use for groceries, medical bills, rent and other expenses. But don’t worry. You haven’t missed out on any windfalls. Clicking on one of those ads would not have provided you with a cash card — at least not worth hundreds or thousands. But you might have found yourself switched to a health insurance plan you did not authorize, unable to afford treatment for an unforeseen medical emergency, and owing thousands of dollars to the IRS, according to an ongoing lawsuit against companies and individuals who plaintiffs say masterminded the ads and alleged scams committed against millions of people who responded to them. The absence of those once-ubiquitous ads are likely a result of the federal government suspending access to the ACA marketplace for two companies that market health insurance out of South Florida offices, amid accusations they used “fraudulent” ads to lure customers and then switched their insurance plans and agents without their knowledge. In its suspension letter, the Centers for Medicare & Medicaid Services (CMS) cited “credible allegations of misconduct” in the agency’s decision to suspend the abilities of two companies — TrueCoverage (doing business as Inshura) and BenefitAlign — to transact information with the marketplace. CMS licenses and monitors agencies that use their own websites and information technology platforms to enroll health insurance customers in ACA plans offered in the federal marketplace. The alleged scheme affected millions of consumers, according to a lawsuit winding its way through U.S. District Court in Fort Lauderdale that seeks class-action status. An amended version of the suit, filed in August, increased the number of defendants from six to 12: — TrueCoverage LLC, an Albuquerque, New Mexico-based health insurance agency with large offices in Miami, Miramar and Deerfield Beach. TrueCoverage is a sub-tenant of the South Florida Sun Sentinel in a building leased by the newspaper in Deerfield Beach. — Enhance Health LLC, a Sunrise-based health insurance agency that the lawsuit says was founded by Matthew Herman, also named as a defendant, with a $150 million investment from hedge fund Bain Capital’s insurance division. Bain Capital Insurance Fund LP is also a defendant. — Speridian Technologies LLC, accused in the lawsuit of establishing two direct enrollment platforms that provided TrueCoverage and other agencies access to the ACA marketplace. — Benefitalign LLC, identified in the suit as one of the direct enrollment platforms created by Speridian. Like Speridian and TrueCoverage, the company is based in Albuquerque, New Mexico. — Number One Prospecting LLC, doing business as Minerva Marketing, based in Fort Lauderdale, and its founder, Brandon Bowsky, accused of developing the social media ads that drove customers — or “leads” — to the health insurance agencies. — Digital Media Solutions LLC, doing business as Protect Health, a Miami-based agency that the suit says bought Minerva’s “fraudulent” ads. In September, the company filed for Chapter 11 protection from creditors in United States Bankruptcy Court in Texas, which automatically suspended claims filed against the company. — Net Health Affiliates Inc., an Aventura-based agency the lawsuit says was associated with Enhance Health and like it, bought leads from Minerva. — Garish Panicker, identified in the lawsuit as half-owner of Speridian Global Holdings and day-to-day controller of companies under its umbrella, including TrueCoverage, Benefitalign and Speridian Technologies. — Matthew Goldfuss, accused by the suit of overseeing and directing TrueCoverage’s ACA enrollment efforts. All of the defendants have filed motions to dismiss the lawsuit. The motions deny the allegations and argue that the plaintiffs failed to properly state their claims and lack the standing to file the complaints. The Sun Sentinel sent requests for comment and lists of questions about the cases to four separate law firms representing separate groups of defendants. Three of the law firms — one representing Brandon Bowsky and Number One Prospecting LLC d/b/a Minerva Marketing, and two others representing Net Health Affiliates Inc. and Bain Capital Insurance Fund — did not respond to the requests. A representative of Enhance Health LLC and Matthew Herman, Olga M. Vieira of the Miami-based firm Quinn Emanuel Urquhart & Sullivan LLP, responded with a short message saying she was glad the newspaper knew a motion to dismiss the charges had been filed by the defendants. She also said that, “Enhance has denied all the allegations as reported previously in the media.” Catherine Riedel, a communications specialist representing TrueCoverage LLC, Benefitalign LLC, Speridian Technologies LLC, Girish Panicker and Matthew Goldfuss, issued the following statement: “TrueCoverage takes these allegations very seriously and is responding appropriately. While we cannot comment on ongoing litigation, we strongly believe that the allegations are baseless and without merit. “Compliance is our business. The TrueCoverage team records and reviews every call with a customer, including during Open Enrollment when roughly 500 agents handle nearly 30,000 calls a day. No customer is enrolled into any policy without a formal verbal consent given by the customer. If any customer calls in as a result of misleading content presented by third-party marketing vendors, agents are trained to correct such misinformation and action is taken against such third-party vendors.” Through Riedel, the defendants declined to answer follow-up questions, including whether the company remains in business, whether it continues to enroll Affordable Care Act clients, and whether it is still operating its New Mexico call center using another affiliated technology platform. The suspension notification from the Centers for Medicare and Medicaid Services letter cites several factors, including the histories of noncompliance and previous suspensions. The letter noted suspicion that TrueCoverage and Benefitalign were storing consumers’ personally identifiable information in databases located in India and possibly other overseas locations in violation of the centers’ rules. The letter also notes allegations against the companies in the pending lawsuit that “they engaged in a variety of illegal practices, including violations of the (Racketeer Influenced & Corrupt Organizations, or RICO Act), misuse of consumer (personal identifiable information) and insurance fraud.” The amended lawsuit filed in August names as plaintiffs five individuals who say their insurance plans were changed and two agencies who say they lost money when they were replaced as agents. The lawsuit accuses the defendants of 55 counts of wrongdoing, ranging from running ads offering thousands of dollars in cash that they knew would never be provided directly to consumers, switching millions of consumers into different insurance policies without their authorization, misstating their household incomes to make them eligible for $0 premium coverage, and “stealing” commissions by switching the agents listed in their accounts. TrueCoverage, Enhance Health, Protect Health, and some of their associates “engaged in hundreds of thousands of agent-of-record swaps to steal other agents’ commissions,” the suit states. “Using the Benefitalign and Inshura platforms, they created large spreadsheet lists of consumer names, dates of birth and zip codes.” They provided those spreadsheets to agents, it says, and instructed them to access platforms linked to the ACA marketplace and change the customers’ agents of record “without telling the client or providing informed consent.” “In doing so, they immediately captured the monthly commissions of agents ... who had originally worked with the consumers directly to sign them up,” the lawsuit asserts. TrueCoverage employees who complained about dealing with prospects who called looking for cash cards were routinely chided by supervisors who told them to be vague and keep making money, the suit says. When the Centers for Medicare and Medicaid Services began contacting the company in January about customer complaints, the suit says TrueCoverage enrollment supervisor Matthew Goldfuss sent an email instructing agents “do not respond.” The lawsuit states the “scheme” was made possible in 2021 when Congress passed the American Rescue Plan Act in the wake of the COVID pandemic. The act made it possible for Americans with household incomes between 100% and 150% of the federal poverty level to pay zero in premiums and it enabled those consumers to enroll in ACA plans all year round, instead of during the three-month open enrollment period from November to January. Experienced health insurance brokers recognized the opportunity presented by the changes, the lawsuit says. More than 40 million Americans live within 100% and 150% of the federal poverty level, while only 15 million had ACA insurance at the time. The defendants developed or benefited from online ads, the lawsuit says, which falsely promised “hundreds and sometimes thousands of dollars per month in cash benefits such as subsidy cards to pay for common expenses like rent, groceries, and gas.” Consumers who clicked on the ads were brought to a landing page that asked a few qualifying questions, and if their answers suggested that they might qualify for a low-cost or no-cost plan, they were provided a phone number to a health insurance agency. There was a major problem with the plan, according to the lawsuit. “Customers believe they are being routed to someone who will send them a free cash card, not enroll them in health insurance.” By law, the federal government sends subsidies for ACA plans to insurance companies, and not to individual consumers. Scripts were developed requiring agents not to mention a cash card, and if a customer mentions a cash card, “be vague” and tell the caller that only the insurance carrier can provide that information, the lawsuit alleges. In September, the defendants filed a motion to dismiss the claims. In addition to denying the charges, they argued that the class plaintiffs lacked the standing to make the accusations and failed to demonstrate that they suffered harm. The motion also argued that the lawsuit’s accusations failed to meet requirements necessary to claim civil violations of the RICO Act. Miami-based attorney Jason Kellogg, representing the plaintiffs, said he doesn’t expect a ruling on the motion to dismiss the case for several months. The complaint also lists nearly 50 companies, not named as defendants, that it says fed business to TrueCoverage and Enhance Health. Known in the industry as “downlines,” most operate in office parks throughout South Florida, the lawsuit says. The lawsuit quotes former TrueCoverage employees complaining about having to work with customers lured by false cash promises in the online ads. A former employee who worked in the company’s Deerfield Beach office was quoted in the lawsuit as saying that senior TrueCoverage and Speridian executives “knew that consumers were calling in response to the false advertisements promising cash cards and they pressured agents to use them to enroll consumers into ACA plans.” A former human resources manager for TrueCoverage said sales agents frequently complained “that they did not feel comfortable having to mislead consumers,” the lawsuit said. Over two dozen agents “came to me with these complaints and showed me the false advertisements that consumers who called in were showing them,” the lawsuit quoted the former manager as saying. For much of the time the companies operated, the ACA marketplace enabled agents to easily access customer accounts using their names and Social Security numbers, change their insurance plans and switch their agents of record without their knowledge or authorization, the lawsuit says. This resulted in customers’ original agents losing their commissions and many of the policyholders finding out they suddenly owed far more for health care services than their original plans had required, the suit states. It says that one of the co-plaintiffs’ health plans was changed at least 22 times without her consent. She first discovered that she had lost her original plan when she sought to renew a prescription for her heart condition and her doctor told her she did not have health insurance, the suit states. Another co-plaintiff’s policy was switched after her husband responded to one of the cash card advertisements, the lawsuit says. That couple’s insurance plan was switched multiple times after a TrueCoverage agent excluded the wife’s income from an application so the couple would qualify. Later, they received bills from the IRS for $4,300 to cover tax credits issued to pay for the plans. CMS barred TrueCoverage and BenefitAlign from accessing the ACA marketplace. It said it received more than 90,000 complaints about unauthorized plan switches and more than 183,500 complaints about unauthorized enrollments, but the agency did not attribute all of the complaints to activities by the two companies. In addition, CMS restricted all agents’ abilities to alter policyholders’ enrollment information, the lawsuit says. Now access is allowed only for agents that already represent policyholders or if the policyholder participates in a three-way call with an agent and a marketplace employee. Between June and October, the agency barred 850 agents and brokers from accessing the marketplace “for reasonable suspicion of fraudulent or abusive conduct related to unauthorized enrollments or unauthorized plan switches,” according to an October CMS news release . The changes resulted in a “dramatic and sustained drop” in unauthorized activity, including a nearly 70% decrease in plan changes associated with an agent or broker and a nearly 90% decrease in changes to agent or broker commission information, the release said. It added that while consumers were often unaware of such changes, the opportunity to make them provided “significant financial incentive for non-compliant agents and brokers.” But CMS’ restrictions might be having unintended consequences for law-abiding agents and brokers. A story published by Insurance News Net on Nov. 11 quoted the president of the Health Agents for America (HAFA) trade group as saying agents are being suspended by CMS after being flagged by a mysterious algorithm that no one can figure out. The story quotes HAFA president Ronnell Nolan as surmising, “maybe they wrote too many policies on the same day for people who have the same income or they’re writing too many policies on people of a certain occupation.” Nolan continued, “We have members who have thousands of ACA clients. They can’t update or renew their clients. So those consumers have lost access to their professional agent, which is simply unfair.” Ron Hurtibise covers business and consumer issues for the South Florida Sun Sentinel. He can be reached by phone at 954-356-4071, on Twitter @ronhurtibise or by email at rhurtibise@sunsentinel.com.

NoneHrithik Roshan shares excitement as Karan Arjun re-release emerges 2nd highest opener

Victory Capital Management Inc. raised its position in REX American Resources Co. ( NYSE:REX – Free Report ) by 15.9% in the third quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission (SEC). The fund owned 83,095 shares of the energy company’s stock after acquiring an additional 11,386 shares during the quarter. Victory Capital Management Inc. owned approximately 0.47% of REX American Resources worth $3,846,000 at the end of the most recent reporting period. A number of other hedge funds and other institutional investors also recently modified their holdings of REX. Vanguard Group Inc. lifted its stake in shares of REX American Resources by 6.0% during the 1st quarter. Vanguard Group Inc. now owns 1,201,410 shares of the energy company’s stock worth $70,535,000 after buying an additional 68,211 shares during the last quarter. American Century Companies Inc. grew its position in shares of REX American Resources by 148.8% in the second quarter. American Century Companies Inc. now owns 268,660 shares of the energy company’s stock valued at $12,248,000 after purchasing an additional 160,685 shares during the last quarter. Panagora Asset Management Inc. increased its stake in shares of REX American Resources by 10.7% during the second quarter. Panagora Asset Management Inc. now owns 115,279 shares of the energy company’s stock worth $5,256,000 after purchasing an additional 11,188 shares during the period. Millennium Management LLC lifted its holdings in REX American Resources by 61.4% during the 2nd quarter. Millennium Management LLC now owns 102,893 shares of the energy company’s stock worth $4,691,000 after purchasing an additional 39,126 shares during the last quarter. Finally, AQR Capital Management LLC grew its holdings in REX American Resources by 440.6% in the 2nd quarter. AQR Capital Management LLC now owns 86,140 shares of the energy company’s stock valued at $3,927,000 after buying an additional 70,207 shares in the last quarter. Institutional investors own 88.12% of the company’s stock. REX American Resources Stock Down 0.0 % Shares of REX American Resources stock opened at $45.53 on Friday. REX American Resources Co. has a 12-month low of $36.40 and a 12-month high of $60.78. The company has a market capitalization of $799.83 million, a price-to-earnings ratio of 11.53 and a beta of 0.94. The firm’s 50-day moving average price is $45.80 and its two-hundred day moving average price is $47.14. Analysts Set New Price Targets Separately, Truist Financial decreased their price target on shares of REX American Resources from $65.00 to $60.00 and set a “buy” rating on the stock in a research note on Tuesday, August 27th. View Our Latest Analysis on REX American Resources REX American Resources Company Profile ( Free Report ) REX American Resources Corporation, together with its subsidiaries, produces and sells ethanol in the United States. The company also offers corn, distillers grains, ethanol, distillers corn oil, gasoline, and natural gas. In addition, it provides dry distillers grains with solubles, which is used as a protein in animal feed. See Also Want to see what other hedge funds are holding REX? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for REX American Resources Co. ( NYSE:REX – Free Report ). Receive News & Ratings for REX American Resources Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for REX American Resources and related companies with MarketBeat.com's FREE daily email newsletter .Gaming desktops can get pretty expensive, but right now you can snag the HP Victus 15L direct from HP.com for 46% off with this Black Friday deal . And just because this PC is under $1,000 doesn't mean it skimps out on quality components. This configuration is built with a 14th gen Intel Core i5 processor, 16GB of RAM, Intel Arc A380 graphics card, and 256GB SSD making it a perfect choice for kids, teens, or adults looking to get started with PC gaming. It has a second M.2 SSD slot, allowing you to set up multiple storage drives to handle all of your files and programs as well as your gaming library. 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