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De La Soul Are Diluting Their LegacyFeds suspend ACA marketplace access to companies accused of falsely promising ‘cash cards’Emi Martinez began the night by walking onto the field with his children and parading a pair of trophies for being the world’s best goalkeeper for the last two years. Read this article for free: Already have an account? To continue reading, please subscribe: * Emi Martinez began the night by walking onto the field with his children and parading a pair of trophies for being the world’s best goalkeeper for the last two years. Read unlimited articles for free today: Already have an account? Emi Martinez began the night by walking onto the field with his children and parading a pair of trophies for being the world’s best goalkeeper for the last two years. He finished it by producing an astonishing save that vindicated those awards. The Argentina international illuminated a 0-0 draw between his Aston Villa team and Juventus in the Champions League on Wednesday by plucking the ball from behind him and scooping it off the goal line to deny Francisco Conceição what could have been the winner. Replays showed the ball was almost entirely over the line before Martinez hooked it clear, and the goalkeeper was quickly congratulated by his teammates. No save by Martinez will ever beat the one he pulled off for Argentina in the last seconds of extra time in the 2022 World Cup final, denying France striker Randal Kolo Muani and keeping teammate Lionel Messi’s dream alive of finally winning soccer’s biggest prize. He might just have run it close. It was fitting he produced his wonder save against Juve on the night he showed off the two Yashin Trophies he claimed at the Ballon d’Or awards ceremony in each of the past two years. The most recent one came last month. Winnipeg Jets Game Days On Winnipeg Jets game days, hockey writers Mike McIntyre and Ken Wiebe send news, notes and quotes from the morning skate, as well as injury updates and lineup decisions. Arrives a few hours prior to puck drop. As for Juventus goalkeeper Michele Di Gregorio, he finished the game relieved that what appeared to be a mistake in the final seconds of stoppage time didn’t cost his team. Di Gregorio spilled a cross under pressure from Villa defender Diego Carlos and Morgan Rogers was there to poke the ball into the net. A goal was awarded by the on-field referee but after a two-minute check, it was ruled out for a foul on Di Gregorio by Carlos. ___ AP soccer: https://apnews.com/hub/soccer Advertisement Advertisement

NoneAs 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 . 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 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.”

This Cloud Deal Could Shake Up Silicon Valley. But is Nvidia Really in Trouble?ANKARA: A key ally of Turkish President Tayyip Erdogan expanded on his proposal to end 40 years of conflict with Kurdish militants by proposing on Tuesday that parliament’s pro-Kurdish party holds direct talks with the militants’ jailed leader Abdullah Ocalan. Devlet Bahceli, leader of the Nationalist Movement Party, made the call a month after suggesting that Ocalan announce an end to the insurgency in exchange for the possibility of his release. The pro-Kurdish DEM Party, parliament’s third largest, responded by applying for its co-chairs to meet with Ocalan, founder of the outlawed Kurdistan Workers Party (PKK). Erdogan described Bahceli’s initial proposal as a “historic window of opportunity” but has not spoken of any peace process. Ocalan has been held in a prison on the island of Imrali, south of Istanbul, since his capture 25 years ago. “We expect face-to-face contact between Imrali and the DEM group to be made without delay, and we resolutely reiterate our call,” Bahceli told his party’s lawmakers in a parliamentary meeting, using the name of the island to refer to Ocalan. Bahceli regularly condemns pro-Kurdish politicians as tools of the PKK. DEM’s predecessor party was involved in peace talks between Ankara and Ocalan a decade ago. Gulistan Kilic Kocyigit, DEM’s parliamentary group chairperson, said it applied to the Justice Ministry on Tuesday for its leaders to meet Ocalan. “We are ready to make every contribution for a democratic solution to the Kurdish issue and the democratization of Turkiye,” she said. Turkiye and its Western allies call the PKK a terrorist group. More than 40,000 people have been killed in the fighting, which in the past was focused in the mainly Kurdish southeast but is now centered on northern Iraq, where the PKK is based. Growing regional instability and changing political dynamics are seen as factors behind the bid to end the conflict with the PKK. The chances of success are unclear as Ankara has given no clues on what it may entail. The only concrete move so far has been Ankara’s permission for Ocalan’s nephew to visit him, the first family visit in 4-1/2 years. Authorities are continuing to crack down on alleged PKK activities. Early on Tuesday, police detained 231 people of suspected PKK ties, the interior ministry said. DEM Party said those detained included its local officials and activists. Earlier this month, the government replaced five pro-Kurdish mayors in southeastern cities for similar reasons, in a move that drew criticism from DEM and others.

akinbostanci/iStock via Getty Images Standardized performance (%) as of September 30, 2024 Quarter YTD 1 Year 3 Years 5 Years 10 Years Since inception Class A shares inception: 11/30/10 NAV -0.15 7.01 2.72 4.78 8.29 1.60 -0.39 Max. Load 5.5% -5.62 1.05 -3.00 2.81 7.06 1.03 -0.79 Class R6 shares inception: 09/24/12 NAV -0.14 7.33 2.94 5.04 8.57 1.92 -0.91 Class Y shares inception: 11/30/10 NAV -0.14 7.23 2.96 5.05 8.56 1.85 -0.12 Bloomberg Commodity Index 0.68 5.86 0.96 3.66 7.79 0.03 - Total return ranking vs. Morningstar Commodities Broad Basket category (Class A shares at NAV) - - 28% (40 of 109) 53% (47 of 100) 53% (52 of 96) 22% (18 of 63) - Click to enlarge Calendar year total returns (%) 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Class A shares at NAV -16.04 -16.80 11.59 4.49 -12.18 4.20 7.75 18.87 7.84 -3.44 Class R6 shares at NAV -15.77 -16.44 12.02 5.04 -11.87 4.45 8.00 19.10 8.13 -3.27 Class Y shares at NAV -15.88 -16.60 11.79 4.88 -12.02 4.48 7.89 19.23 8.01 -3.15 Bloomberg Commodity Index -17.01 -24.66 11.77 1.70 -11.25 7.69 -3.12 27.11 16.09 -7.91 Click to enlarge Expense ratios per the current prospectus: Class A**: Net: 1.40%, Total: 1.64%; Class R6**: Net: 1.14%, Total: 1.19%; Class Y**: Net: 1.15%, Total: 1.39%. Click to enlarge Performance quoted is past performance and cannot guarantee comparable future results; current performance may be lower or higher. Visit Country Splash for the most recent month-end performance. Performance figures reflect reinvested distributions and changes in net asset value (NAV). Investment return and principal value will vary so that you may have a gain or a loss when you sell shares. Returns less than one year are cumulative; all others are annualized. Index source: RIMES Technologies Corp. Had fees not been waived and/or expenses reimbursed in the past, returns would have been lower. Performance shown at NAV does not include the applicable front-end sales charge, which would have reduced the performance. Class Y and R6 shares have no sales charge; therefore performance is at NAV. Class Y shares are available only to certain investors. Class R6 shares are closed to most investors. Please see the prospectus for more details. Click to enlarge Manager perspective and outlook The Bloomberg Commodity Index delivered a gain for the third quarter. After a global growth scare in July and early August, commodities recovered in September as the US Federal Reserve (Fed) lowered interest rates and China implemented a series of large monetary and fiscal stimulus actions in an effort to revive its stagnant economy. Within the Bloomberg Commodity Index, three of the four primary sub-complexes provided gains. Precious metals led results as slower growth, falling interest rates, a weaker US dollar and ongoing geopolitical tensions led the price of gold to a series of all-time highs during the quarter. Agriculture also closed the quarter with gains due to a September rally triggered by the weaker dollar and negative weather effects on coffee and sugar production. Similarly, a September rally in industrial metals helped copper, aluminum, nickel and zinc recover from early quarter losses as China’s policy stimulus efforts turned the tide. Energy declined as the sub-complex was simultaneously hit by apparent concerns that slowing growth would reduce demand and fear that the Organization of the Petroleum Exporting Countries (OPEC) would reverse voluntary production cuts, leading to oversupply. Performance highlights The fund provided a gain but underperformed the Bloomberg Commodity Index due to tactical positioning. Strategic precious metals were the largest contributor to absolute return due to strong gains in both gold and silver. The Fed’s 0.50% cut in the federal funds rate, combined with a 4% decline in the US dollar and China’s policy stimulus, helped gold reach record highs. However, the fund underperformed the benchmark primarily due to a strategic underweight and a tactical underweight in gold, despite a strategic overweight in silver. Gold is the largest holding in the fund and the benchmark. The fund’s strategic underweight is mostly a function of the benchmark rebalancing annually while the fund rebalances monthly. As gold prices have risen without what we would consider a significant pullback or correction, the benchmark’s gold weight has continued to increase while we have systematically paired backed the fund’s gains, thus managing its gold weighting. Strategic agriculture was the next largest contributor to absolute return due to gains in coffee and sugar. Coffee was the top-performing commodity across the full universe as hot and dry weather affected coffee producing countries, first in Vietnam and recently in the world’s largest producer, Brazil. Sugar had a double-digit gain in September, which moved its year-to-date return back into positive territory. Brazil’s hot and dry weather disrupted sugar production as heat and low humidity sparked a major outbreak of cane field fires. The fund’s agricultural exposure outperformed the benchmark mostly due to a strategic overweight in sugar and a tactical overweight in coffee, along with a strategic underweight and tactical net short in wheat. Strategic industrial metals added to absolute return as gains in August and September overcame July’s losses. Copper and aluminum were notable contributors to fund results. Both metals benefited from China’s September announcement of 11 major monetary and fiscal policy actions to support its housing market and consumer spending. The fund’s industrial metals holdings outperformed the benchmark due to strategic overweights in copper and aluminum, while tactical underweights in both metals offset some of the positive effect. Strategic energy was the largest detractor from absolute return as all six underlying exposures had double-digit declines for the quarter. Signs of economic slowdown have weighed on oil prices, compounded by OPEC announcing it will begin to reverse output cuts in December. Refined products were the largest detractors as supply is rising amid weaker demand. The fund underperformed the benchmark’s energy exposure due to tactical overweights in oil and refined products, whose losses more than offset relative gains from strategic underweights in oil and natural gas. Gross performance attribution (%) Quarter Year to date Since inception (annual ized) Agriculture 0.96 -1.61 0.18 Energy -3.58 -1.64 -0.55 Industrial Metals 0.55 2.05 -0.38 Precious Metals 1.79 4.32 0.22 Tactical Positioning -0.90 0.80 0.24 Cash 1.37 4.13 1.24 Total 0.18 8.07 0.95 Returns are gross of fund expenses; net returns will be lower. Cash represents fund collateral used to support derivative positions. Click to enlarge Portfolio positioning The fund entered October with a total net exposure of 90%, down from 91%. Tactical underweights in agriculture and precious metals remained in place, but to a reduced degree. Energy transitioned from a net overweight to a net underweight. The net overweight in industrial metals increased. The tactical underweight in agriculture decreased as sugar and cotton moved from underweight to neutral and we reduced underweights in corn, soymeal and wheat. Tactical energy experienced the largest changes as oil, gasoil and heating oil all moved from overweight to underweight, while an overweight in gasoline was reduced and the tactical natural gas position remained underweight. Within tactical industrial metals, copper moved from neutral to overweight, aluminum transitioned from underweight to overweight and the tactical long position in zinc increased. Within tactical precious metals, gold was neutral, and we maintained the underweight in silver. We will rebalance the fund strategically and tactically again next month per our usual monthly cadence. Unlike more passive or index-based strategies, this once-a-month rebalancing increases our flexibility to position the fund according to prevailing market conditions and avoid concentrating risk in any one asset. Click to enlarge Sector weights vs the Bloomberg Commodity Index (%) Fund BCOM Agriculture 26.15 32.66 Energy 26.38 28.32 Industrial Metals 20.22 16.25 Precious Metals 18.74 22.77 Click to enlarge ** Net = Total annual operating expenses less any contractual fee waivers and/or expense reimbursements by the adviser in effect through at least Feb 28, 2025 and contractual management fee waivers in effect through at least Jun 30, 2025. Unless otherwise specified, all information is as of 09/30/24. Unless stated otherwise, Index refers to Bloomberg Commodity Index. Asset allocation/diversification does not guarantee a profit or eliminate the risk of loss. The Bloomberg Commodity Index is designed to be a liquid and diversified benchmark for the commodity futures market. It is a rolling index composed of futures contracts on 19 physical commodities traded on US exchanges. The index was known as the Dow Jones UBS Commodity Index Total ReturnSM prior to July 1, 2014. An investment cannot be made directly in an index. About risk Commodities may subject an investor to greater volatility than traditional securities such as stocks and bonds and can fluctuate significantly based on weather, political, tax, and other regulatory and market developments. Commodity-linked notes may involve substantial risks, including risk of loss of a significant portion of principal and risks resulting from lack of a secondary trading market, temporary price distortions, and counterparty risk. Changes in the value of two investments or asset classes may not track or offset each other in the manner anticipated by the portfolio managers, which may inhibit their risk allocation process from achieving its investment objective. Derivatives may be more volatile and less liquid than traditional investments and are subject to market, interest rate, credit, leverage, counterparty, and management risks. An investment in a derivative could lose more than the cash amount invested. An investment in exchange-traded funds (ETFs) may trade at a discount to net asset value, fail to develop an active trading market, halt trading on the listing exchange, fail to track the referenced index, or hold troubled securities. ETFs may involve duplication of management fees and certain other expenses. Certain of the ETFs the fund invests in are leveraged, which can magnify any losses on those investments. Exchange-traded notes (ETNs) are subject to credit risk of the issuer, and the value of the ETN may drop due to a downgrade in the issuer's credit rating, despite the underlying market benchmark or strategy remaining unchanged. Short sales may cause an investor to repurchase a security at a higher price, causing a loss. As there is no limit on how much the price of the security can increase, exposure to potential loss is unlimited. By investing in the subsidiary, the fund is indirectly exposed to risks associated with the subsidiary's investments, including derivatives and commodities. Because the subsidiary is not registered under the Investment Company Act of 1940, the fund will not have the protections offered to investors in US registered investment companies. The Fund is subject to certain other risks. Please see the current prospectus for more information regarding the risks associated with an investment in the Fund. The opinions expressed are those of the fund’s portfolio management, are based on current market conditions and are subject to change without notice. These opinions may differ from those of other Invesco investment professionals. Click to enlarge This does not constitute a recommendation of any investment strategy or product for a particular investor. Investors should consult a financial professional before making any investment decisions. Note: Not all products available at all firms. Financial professionals, please contact your home office. The fund holdings are organized according to the Global Industry Classification Standard, which was developed by and is the exclusive property and service mark of MSCI Inc. and Standard & Poor’s. Click to enlarge Morningstar Source: ©2024 Morningstar Inc. All rights reserved. The information contained herein is proprietary to Morningstar and/or its content providers. It may not be copied or distributed and is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. Open-end mutual funds and exchange-traded funds are considered a single population for comparison purposes. Had fees not been waived and/or expenses reimbursed currently or in the past, the ranking would have been lower. Rankings for other share classes may differ due to different performance characteristics. Before investing, consider the Fund's investment objectives, risks, charges and expenses. Visit Invesco for a prospectus/summary prospectus containing this information. Read it carefully before investing. Click to enlarge Click to enlarge Original Post Editor's Note: The summary bullets for this article were chosen by Seeking Alpha editors.

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Both Oklahoma and Providence are hoping they'll have key pieces back in place when the two undefeated teams square off in the first round of the Battle 4 Atlantis on Wednesday in Paradise Island, Bahamas. The Friars (5-0) are expected to have Bryce Hopkins available, according to a report from Field of 68. Hopkins was averaging 15.5 points and 8.6 rebounds last season before suffering a torn anterior cruciate ligament Jan. 3. He returned to full-go practices last week, and Tuesday, Providence coach Kim English said Hopkins would be a "game-time decision" against the Sooners. "It's been a process," English said. "We're not rushing it." But English praised Hopkins' progress since the Friars' last game, Nov. 19, when Hopkins went through pregame warmups. "I thought he looked better than I remembered," English said. "He's been in our system for the past year. His patience, his understanding, his versatility on offense and defense ... it's been great to see him in practice." The Sooners (4-0) are hopeful that they'll get Brycen Goodine back. Goodine played for the Friars for two seasons from 2020-22 before transferring to Fairfield for two seasons and then to Oklahoma this offseason. Goodine suffered an ankle injury in the Sooners' opener Nov. 4 and has not played since. "He's a really tough kid and trying to push through it," Oklahoma coach Porter Moser said. "It will truly be one of those game-time decisions. He hasn't gone a full practice yet, just been pieces of practices." Playing with Goodine and Jadon Jones, expected to be two of the Sooners' top outside shooters, Moser said he's learned plenty about his team's offense. "When you're down those shooters, it's really a great weapon to know that a lot of other guys can knock down the open shot," Moser said. "It's been a huge takeaway." The Sooners have been led by Jalon Moore, who is averaging 18.8 points per game, and freshman Jeremiah Fears, who is averaging 15.5. Providence has been led by senior guard Bensley Joseph, who is averaging 11.8 points and 4.0 assists per game. Oklahoma has not played a game closer than 16 points yet this season, with an average margin of victory of 24 points. Providence has won its five games by an average of nearly 17 points per game. The teams will square off against either Davidson or No. 24 Arizona in the second round Thursday, with the winners playing each other in one semifinal while the losers play in a consolation semifinal. --Field Level Media

Trump has promised again to release the last JFK files. But experts say don’t expect big revelations DALLAS (AP) — The nation is set to mark 61 years since President John F. Kennedy was assassinated as his motorcade passed through downtown Dallas on Nov. 22, 1963. Even after over six decades, conspiracy theories about what happened that day still swirl and the desire to follow every thread of information hasn’t waned. President-elect Donald Trump made promises over the summer that if reelected he would declassify the remaining records. At this point, only a few thousand of millions of pages of governmental records related to the assassination have yet to be fully released. And those who have studied what's been released so far say that the public shouldn’t anticipate any earth-shattering revelations even if the remaining files are declassified. Bitcoin is at the doorstep of $100,000 as post-election rally rolls on NEW YORK (AP) — Bitcoin is jumping again, rising above $98,000 for the first time Thursday. The cryptocurrency has been shattering records almost daily since the U.S. presidential election, and has rocketed more than 40% higher in just two weeks. It's now at the doorstep of $100,000. Cryptocurrencies and related investments like crypto exchange-traded funds have rallied because the incoming Trump administration is expected to be more “crypto-friendly.” Still, as with everything in the volatile cryptoverse, the future is hard to predict. And while some are bullish, other experts continue to warn of investment risks. NFL issues security alert to teams and the players' union following recent burglaries The NFL has issued a security alert to teams and the players’ union following recent burglaries involving the homes of Chiefs stars Patrick Mahomes and Travis Kelce. In a memo obtained by The Associated Press, the league says homes of professional athletes across multiple sports have become “increasingly targeted for burglaries by organized and skilled groups.” Law enforcement officials noted these groups target the homes on days the athletes have games. Players were told to take precautions and implement home security measures to reduce the risk of being targeted. Some of the burglary groups have conducted extensive surveillance on targets. Penn State wins trademark case over retailer's use of vintage logos, images PHILADELPHIA (AP) — Penn State has won a closely watched trademark fight over an online retailer’s use of its vintage logos and images. A Pennsylvania jury awarded Penn State $28,000 in damages earlier this week over products made and sold by the firms Vintage Brand and Sportswear Inc. Penn State accused them of selling “counterfeit” clothing and accessories. The defendants said their website makes clear they are not affiliated with Penn State. At least a dozen other schools have sued the defendants on similar grounds, but the Pennsylvania case was the first to go to trial. Has a waltz written by composer Frederic Chopin been discovered in an NYC museum? NEW YORK (AP) — A previously unknown musical work written by composer Frederic Chopin appears to have been found in a library in New York City. The Morgan Library & Museum says the untitled and unsigned piece is the first new manuscript of the Romantic era virtuoso to be discovered in nearly a century. Robinson McClellan, the museum’s curator, says he stumbled across the work in May while going through a collection brought to the Manhattan museum years earlier. He worked with outside experts to verify the document's authenticity. But there’s debate whether the waltz is an original Chopin work or merely one written in his hand. Volcano on Iceland's Reykjanes Peninsula erupts for the 7th time in a year GRINDAVIK, Iceland (AP) — A volcano on the Reykjanes Peninsula in southwestern Iceland is spewing lava from a fissure in its seventh eruption since December. Iceland's seismic monitors said the eruption started with little warning late Wednesday and created a long fissure but looked to be smaller than eruptions in August and May. Around 50 houses were evacuated after the Civil Protection agency issued the alert, along with guests at the famous Blue Lagoon resort, according to the national broadcaster. The repeated eruptions over the past year have caused damage to the town of Grindavík and forced people to relocate. Australian teen and British woman who drank tainted alcohol in Laos have died, bringing toll to 5 VIENTIANE, Laos (AP) — An Australian teenager and a British woman have died after drinking tainted alcohol in Laos in what Australia’s prime minister said was every parent’s nightmare. Officials earlier said an American and two Danish tourists also had died following reports that multiple people had been sickened in town popular with backpackers. Australian Prime Minister Anthony Albanese told Parliament that 19-year-old Bianca Jones had died after being evacuated from Vang Vieng, Laos, for treatment in a Thai hospital. Her friend, also 19, remains hospitalized in Thailand. Later Thursday, Britain said a British woman also died and the media in the U.K. identified her as 28-year-old Simone White. US ahead in AI innovation, easily surpassing China in Stanford's new ranking The U.S. leads the world in developing artificial intelligence technology, surpassing China in research and other important measures of AI innovation, according to a newly released Stanford University index. There’s no surefire way to rank global AI leadership but Stanford researchers have made an attempt by measuring the “vibrancy” of the AI industry across a variety of dimensions, from how much research and investment is happening to how responsibly the technology is being pursued to prevent harm. Following the U.S. and China were the United Kingdom, India and the United Arab Emirates. Pop star Ed Sheeran helps favorite soccer team sign player before getting on stage with Taylor Swift It turns out British pop star Ed Sheeran is also good at recruiting soccer players. Sheeran is a minority shareholder at English soccer team Ipswich Town and it needed his help over the summer to get a player to join the club. Ipswich CEO Mark Ashton tells a Soccerex industry event in Miami: “Ed jumped on a Zoom call with him at the training ground, just before he stepped on stage with Taylor Swift. Hopefully that was a key part in getting the player across the line.” Ashton didn’t disclose the player in question, saying only: “He’s certainly scoring a few goals.” Chris Stapleton wins 4 CMA Awards, but Morgan Wallen gets entertainer of the year It was mostly Chris Stapleton’s night at the Country Music Association Awards. Stapleton won four times and took the stage to perform three times Wednesday night at the Bridgestone Arena in Nashville, Tennessee. But an absent Morgan Wallen won the biggest award, entertainer of the year. Stapleton's wins included single of the year and song of the year for “White Horse,” and his eighth trophy as male vocalist of the year. Best female vocalist of the year went to Laney Johnson. An all-star ensemble including both Stapleton and Johnson performed in tribute to George Strait, who won the Willie Nelson Lifetime Achievement Award.

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Aston Villa denied last-gasp winner in Juventus stalemateThe transition team of President-elect Donald Trump announced on Tuesday a crucial agreement with the Justice Department for conducting background checks on his forthcoming nominees and appointees, resolving a protracted delay. This development permits Trump's aides and future administration officials to secure the necessary security clearances ahead of Inauguration Day, ensuring they can access classified government information essential for a seamless transition of power. Additionally, this paves the way for Senate confirmations, as lawmakers require these checks before voting. This accord follows a similar agreement with the Biden White House to facilitate coordination with the existing federal workforce, mandated to be signed by Oct. 1. Emphasizing the need for skilled personnel, this move underlines the importance of preparation before Trump takes office. (With inputs from agencies.)

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