Kentucky will aim to improve upon its best start in seven seasons when it hosts Western Kentucky on Tuesday night in Lexington, Ky., in the final game of the BBN Invitational. The Wildcats (5-0) are ranked No. 8 in the latest Associated Press poll and are setting impressive offensive milestones even for a program as tradition-rich as Kentucky, which includes eight national championships. The Wildcats have scored 97 or more points in their first four home games for the first time in program history and eclipsed the 100-point mark in three of those games. Their lone trip out of state was a solid 77-72 victory over Duke in a matchup of top-10 teams in Atlanta. Kentucky has also made at least 10 three-pointers in each of its first five games of a season for the first time ever. "I think Kentucky attracts good people," Kentucky coach Mark Pope said after the Wildcats' 108-59 win over Jackson State on Friday. "It's the one place in all college basketball where you represent just a fanbase in a different, unique way." Otega Oweh and Koby Brea have led the Wildcats' early scoring outburst. Oweh, who is averaging 16.2 points per game, had 21 points on 8-for-12 shooting against Jackson State. "He gets us off to unbelievable starts every night," Pope told reporters after that game. "He's probably been our most consistent guy in games." Brea, who scored 22 points against Jackson State and is averaging 16.0 points per game, is leading the nation in 3-point accuracy at 74.1 percent. As a team, the Wildcats are shooting 42.3 percent from beyond the arc. And the few times they miss, Amari Williams has been doing the dirty work on the glass, averaging 10.8 boards in addition to 9.6 points per game. Kentucky faces a different challenge than it's had to contend with so far in the Hilltoppers (3-2), who have won three in a row after losing their first two games to Wichita State and Grand Canyon. Their up-tempo play hasn't exactly resulted in great offensive output, but in the Hilltoppers' 79-62 win over Jackson State on Wednesday, they shot 45.2 percent from 3-point range (14 for 31). "I was happy to see a lot of different guys contribute tonight and, hopefully, get their feet under them a little bit and get some confidence," said Western Kentucky coach Hank Plona, who is in his first season as head coach. "Obviously, Tuesday will be quite a test and challenge for us and we'll need them to be at their absolute best." Western Kentucky has an experienced group, which returned mostly intact from last season. The team is led by Conference USA first-team selection Don McHenry, who is leading the team with 17.2 points and 2.2 steals per game. McHenry is one of four Hilltoppers with scoring averages in double figures. Julius Thedford (11.4 points per game) and Babacar Faye (15.0) are each shooting 40 percent or better from 3-point range. Western Kentucky also figures to challenge the Wildcats on the boards as it enters the game ranked in the top 25 in defensive rebounding (30.4 per game). Faye leads the Hilltoppers in that department, averaging 7.8 rebounds per game and figures to battle Williams inside. "We're not the biggest team in the world, but our depth and our quickness are our strengths," Plona said. --Field Level Mediaph365 casino login register 。

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NEW YORK (AP) — Shohei Ohtani wins his third MVP and first in the NL following a historic offensive season with the Los Angeles Dodgers.

If the refresh the Cullinan received earlier in 2024 didn't give things away, Rolls-Royce is in the process of updating its lineup. Next on the list is the Ghost Series II, though the new mark from the British marque may not be the kind of overhaul you were expecting. Given this is the biggest update Ghost has received since it dumped its original 7-Series underpinnings and went its own way a few years back, it comes as little surprise that Rolls-Royce has approached the process very carefully. Some of the original Ghost's few shortcomings are dealt with, the excessively customizable brand has somehow added more options, and a vehicle that already will open and close its own doors for you has found a few more quality of life features to add. Meanwhile, everything that made the Ghost a favorite of many Rolls-Royce aficionados seems to have been left well enough alone. Clearly confident of its handiwork, Rolls-Royce invited SlashGear out to France to get behind the wheel of the new Ghost, and put it through its paces on cruelly narrow village roads, winding country lanes, and the odd breathtakingly pretty coastal road. Because if the car itself stands out against a backdrop like that, the manufacturer must be doing something right. If you're a fan of the Rolls-Royce Ghost, the words " 6.7-liter, twin-turbo V12 capable of pumping out 563 horsepower" should be pretty familiar to you. Well, nothing has changed with the Series II. It's the same engine, same turbos, same eight-speed automatic transmission managing it all. The feeling when you're driving it is the same too. The 0-60 time is still a pacy 4.6 seconds, though the exact time depends on various circumstances and other outlets have reported times closer to 4.1 or 4.2 seconds on the original Ghost. If you just ignore the stopwatch, it feels quick, especially for something of this size. It's also shockingly well balanced, agile, and grippy for what could still be described as a stately home on four wheels. So if you've driven a Ghost, you'll know exactly what to expect. If you, admittedly ill-advisedly, blindfolded someone and stuck them behind the wheel of a Ghost and Ghost Series II back to back, I wager they would not be able to tell the difference between the pair. And that's not a bad thing, nor is this a criticism. The Ghost drives very well, and the new edition is exactly the same. As in other examples of the luxury automaker's fleet, one of the most important controls is also one of the most subtle: the "low" button perched on the transmission stalk. It tinkers with the throttle response and affects how the Rolls shifts gear. So, instead of that hefty V-12 sounding near-silent, you'll get a very distinct roar from under the hood whenever you get your foot down. Acceleration is notably sharper, and you'll find yourself driving the heavy sedan a lot harder than you may have originally intended. On the "silence" front, the frankly massive — one of the largest displacement engines still in use , in fact — V12 sitting under the hood is likely loud no matter what you do. Rolls-Royce opted to clad the engine bay and other areas of the Ghost II in an almost silly amount of sound-dampening material. It's carefully tuned so you hear just enough of the engine to know it's still there, and running, without it really disturbing you at all. Provided you drive smoothly, in normal mode. If you want a quieter drivetrain, you'll need an all-electric Spectre . The Ghost II is also good at eliminating outside noises, so you won't hear birds chirping, or other vehicles, or anything short of a siren with the windows rolled up. The door seals and pollen filter are also of high-quality, as you may expect. To put things into context, a Peugeot blew a head gasket right in front of us on the test drive, and despite the plume of burning engine oil affecting our vision somewhat we couldn't smell a thing inside the vehicle. As with the pre-refresh "Black Badge" Ghost , there's more here than just an aesthetic package. You also get a little extra out of the engine when you opt for this top-level trim: an added 29 horsepower and 37 lb-ft of torque. True, you'd have to concentrate to actually notice a difference though, if you get the lab coats out it's probably there, but the "silver badge" has the same surprising burst of speed when needed, and handles very similarly. It's like the boost to comfort and handling that the 22" wheels give you on the Black Badge. It's certainly there, the math will check out, but the standard model rides and handles so well you'll need elite level concentration to tell the two apart. Where the Black Badge does notably differ, aside from the carbon-fiber touches cladding various interior elements, is in the soundtrack. That roar you get when the "low" mode is active is far throatier and more noticeable on the top trim. If you are a more aggressive driver, or you just like driving something with a darker touch, then the step up is probably worth every penny. One of the new features on the Ghost Series II is Duality Twill, a rayon-fabric made from bamboo and available as an upholstery option. Bamboo is an extremely sustainable and versatile material, and the new cloth doesn't look out of place in the interior of the Ghost at all. At a glance, you're likely to confuse it with silk, both in terms of styling and feel. With this being Rolls-Royce, you aren't limited to the Duality Twill. You can basically ask for your interior to be clad in anything not currently on the endangered species list–though some materials come with a premium. But the new rayon-fabric does not fall short in the slightest, and the fact it's actually worth considering in a world of almost unlimited choices is testament to just how good it is. A lot of effort does go into the twill, along with 11 miles of thread. That effort takes the form of around 2.2 million stitches. A new perforation style is also available for the vehicle's seats, should that pattern appeal to you. Other little touches include a small Spirit of Ecstasy under the clock on the dash. This has slight "ornament on Grandma's mantle" vibes, but mostly plays into the overall Rolls-Royce feeling shockingly well, with an odd timeless elegance to it. Certainly, you can go in the opposite direction. You could ask for a candy-cane colored interior with a hot pink dashboard and paint the outside lime green if you really want. But there's a solid argument that, if you're doing the whole Rolls-Royce thing properly, you should really feel like you're in the lobby of an upmarket Victorian hotel. One of the standouts on the new Ghost is the improved infotainment system and digital experience. Again, it's not totally novel — all of this debuted on the Spectre. But now you have access to things like Android Auto and Apple Car Play, alongside increased integration with Rolls-Royce's owners-only Whispers app. The "Spirit" digital interface also aids navigation through the vehicle's many features. You can go beyond simply launching Spotify, and instead customize things like the color of the vehicle's dials through it. The app and vehicle work seamlessly together, allowing you to do things like book services, lock the car, or send travel destinations directly to your navigation system. Again, none of this is unique to Rolls-Royce, but it's a definite improvement for the Ghost Series II. The Series I often felt like it was lagging behind on the technological front at times, and modern app-based conveniences do make life a lot easier. Any media you play will be pumped through Rolls-Royce's proprietary 18-speaker audio system. The marque has opted to keep the audio in-house, rather than outsource to an audio company like Bowers & Wilkins as its parent company BMW does. Among the subtle changes is a re-shaped body. Which sort of turns this into the Ghost Sports Edition as much as it does the Ghost Series II. The vehicle's lines have been taken in, and look a touch more aggressive. On the whole the vehicle appears a touch smaller than its predecessor. It isn't, it's exactly the same size, but the redrawn lines leave it seeming sleeker, lower down, and more aggressive. The new tail light configuration is also a nice touch. Despite the newfound edge, there's still that overall Rolls-Royce feel to it. The front is flat and square, with things not truly beginning to sweep backwards until you pass the windscreen. It really fits the weird duality you encounter in the vehicle's performance. It's an elegant evening gown, and a designer tracksuit, all at the same time. Overall, there isn't that much of a difference between the Ghost Series II and its predecessor. There are some very nice aesthetic touches, and the "Low" button injects a bit of fun into what can be a very serious vehicle in certain circumstances. But day to day, you'll struggle to find too much distinction between the new vehicle and the Ghost that came before it. This isn't necessarily a bad thing. As with many people, the Ghost was my favorite drive in the Rolls-Royce lineup. It felt wonderfully agile for its size, surprisingly punchy when needed, and kept that classic Phantom -inspired styling while adding a sliver of modernity. If Rolls-Royce was to rip all of that up and go in a drastically different direction, that would be a tragic thing indeed. Instead, you have a focused refresh, centered around subtle improvements which add polish while keeping the core elements exactly where they need to be. It's not a reason to run to the dealer, trade in your two-year-old Ghost, and slap your name down on the pre-order list. Then again, that's not really how Rolls-Royce owners choose their cars, and if you happen to be in the market for a new Ghost anyway, the little tweaks and new options keep this appealing sedan feeling fresh. The Rolls-Royce Ghost Series II starts at $355,000, and the Ghost Black Badge Series II starts at $420,000. That said, the sky really is the limit on both options, and the subsequent bill.MIAMI GARDENS, Fla. (AP) — Dolphins coach Mike McDaniel said he was caught off guard by reports early Tuesday that linebacker Shaq Barrett wants to unretire. The two-time Super Bowl winner signed a one-year deal with the Dolphins in March, then abruptly announced his retirement on social media in July, just days before the start of Miami's training camp. Javascript is required for you to be able to read premium content. Please enable it in your browser settings.

Jake Paul wants “to set the record straight,” when no straightening is required. If anyone would understand that we moved on from his “fight” against Mike Tyson, it should be Paul, who has made a fortune in the split-second entertainment world of social media. Paul’s Most Valuable Promotions issued a statement on Monday to dispel the rumor that his fight at AT&T Stadium on Nov. 15 against Tyson was rigged. The intention is to change the narrative of what was an embarrassing, if highly profitable, evening, and maintain the interest in Paul’s boxing career. The fight was not rigged, and no statement was needed. The fight was simply awful. The statement begins: “Following the wide circulation of incorrect and baseless claims that undermine the integrity of the Paul vs. Tyson event, Most Valuable Promotions (MVP) would like to set the record straight regarding the contractual agreements and the nature of the fight.” “Integrity” and “Tyson v. Paul” have no business of being in the same sentence. “Rigging a professional boxing match is a federal crime in the United States of America. Paul vs. Tyson was a professional match sanctioned by the Texas Department of Licensing and Regulations (TDLR). Both fighters in good faith performed to the best of their abilities with the goal of winning the fight,” the statement said. The Texas Department of Licensing and Regulations did sanction this kitten fight between a Disney kid turned YouTuber against a 58-year-old man with serious health issues. The fight had judges, and Paul was awarded a decision when none was needed. “Best of their abilities” is subjective. After landing one of his first punches, a left to Paul’s head, Tyson looked like he may have something in what was once one of the most feared boxers who ever lived. He flashed some of that old Tyson head movement, but mostly he looked like an old boxer. Because that’s what he is. The event quickly became an awkward money grab embarrassment, an indictment on the ticket-buying audience more than the promoters, who were doing their job, and leaving Netflix blushing over streaming issues. “There were absolutely no restrictions – contractual or otherwise – around either fighter. Each boxer was able to use his full arsenal to win the fight. Any agreement to the contrary would violate TDLR boxing rules,” the statement said. No restrictions is a liberal use of the term. The fight was eight rounds, not 10 or 12. The rounds lasted two minutes, not three. The gloves the boxers used were 14 oz., not 10. President Jimmy Carter could take a few shots from a 14 oz. glove. The statement continues, “Trash talk and speculation are common in sports, and athletes and promoters need to tolerate nonsensical commentary, jokes and opinions. But suggesting anything other than full effort from these fighters is not only naïve but an insult to the work they put into their craft and to the sport itself.” Accusations of rigged outcomes have been hurled at sporting events in the United States since the New York Nine defeated the Knickerbockers 23-1 in four innings, the first recorded baseball game ever played in America, in 1846. The New York Nine did not release a statement to the press that the game was rigged. Such accusations are hallow, but every now and then there is a Chicago Black Sox. “It is further illogical and inane that MVP, in the debut of a hopeful long-term partnership with the world’s biggest streamer—an organization that made its first-ever foray into live professional sports with Paul vs. Tyson—would even so much as consider such a perverse violation of the rules of competition,” the statement said. That’s not how rigged works. You don’t tell the broadcast partner that the live event is staged. Making sure his boss knows he’s working, MVP co-founder Nakisa Bidarian issued his own words to this statement, saying, “This is not the first time Jake Paul has faced unfounded skepticism or outright disbelief as a professional athlete, and frankly, the claim that his bout must have been rigged is just the latest backhanded compliment to come his way.” Paul, 27, beat a 58-year-old man in a fight that looked like two-hand touch. There is no compliment. “From day one in this sport, people have doubted his abilities — unable to reconcile how someone with his background has accomplished so much in such a short time. Jake has not only proven himself repeatedly, but he has continuously set historic records that speak for themselves,” Bidarian wrote. Paul has created a niche for himself in the sport by carefully fighting opponents who are names, but are not boxers. Older guys. Ex-UFC fighters looking for one more check. He’s also spent the necessary time to train, and learn how to box. He knows how to promote himself, and an event. He created “boxing entertainment,” but his fights are not traditional boxing matches. They are also not scripted WWE. “As long as Jake continues to exceed expectations, there will always be those who try to discredit his achievements.” Bidarian said. “We embrace the doubt — it only fuels Jake to work harder and achieve greater success.” Herein lies the “need” for this press statement. Paul wants to continue to fight, but not against fighters who may knock him out. Considering the type of money his fights have generated, he would have no problem finding a line of potential traditional opponents waiting to pummel him through the canvas. He has avoided real fighters for a reason. Because he’s smart. Because he can. Because there is a market for the fights he stages. The fallout from his bout against Tyson is that Paul could have unintentionally knocked out the audience for these matches that are staged, not rigged, which is really why he wants to “set the record straight.” ©2024 Fort Worth Star-Telegram. Visit star-telegram.com . Distributed by Tribune Content Agency, LLC.

Tides will get new manager in 2025 as Buck Britton joins Orioles’ coaching staffAs 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.

The Gunners delivered the statement Champions League victory their manager had demanded to bounce back from a narrow defeat at Inter Milan last time out. Goals from Gabriel Martinelli, Kai Havertz, Gabriel Magalhaes, Bukayo Saka and Leandro Trossard got their continental campaign back on track, lifting them to seventh place with 10 points in the new-look 36-team table. It was Arsenal’s biggest away win in the Champions League since beating Inter by the same scoreline in 2003. “For sure, especially against opposition we played at their home who have not lost a game in 18 months – they have been in top form here – so to play with the level, the determination, the purpose and the fluidity we showed today, I am very pleased,” said Arteta. “The team played with so much courage, because they are so good. When I’m watching them live they are so good! They were all exceptional today. It was a big performance, a big win and we are really happy. “The performance was there a few times when we have played big teams. That’s the level that we have to be able to cope and you have to make it happen, and that creates belief.” A memorable victory also ended Sporting’s unbeaten start to the season, a streak of 17 wins and one draw, the vast majority of which prompted Manchester United to prise away head coach Ruben Amorim. The Gunners took the lead after only seven minutes when Martinelli tucked in Jurrien Timber’s cross, and Saka teed up Havertz for a tap-in to double the advantage. Arsenal added a third on the stroke of half-time, Gabriel charging in to head Declan Rice’s corner into the back of the net. To rub salt in the wound, the Brazilian defender mimicked Viktor Gyokeres’ hands-over-his-face goal celebration. That may have wound Sporting up as they came out after the interval meaning business, and they pulled one back after David Raya tipped Hidemasa Morita’s shot behind, with Goncalo Inacio netting at the near post from the corner. But when Martin Odegaard’s darting run into the area was halted by Ousmane Diomande’s foul, Saka tucked away the penalty. Substitute Trossard added the fifth with eight minutes remaining, heading in the rebound after Mikel Merino’s shot was saved. A miserable night for prolific Sporting striker Gyokeres was summed up when his late shot crashed back off the post.Josko Gvardiol’s Man City disasterclass snatches ignominy from the jaws of victory

BOZEMAN, Mont. (AP) — Adam Jones ran for 197 yards and two touchdowns and Montana State ran over Montana 34-11 on Saturday to reclaim the Brawl of the Wild trophy. The Bobcats (12-0, 8-0 Big Sky Conference) wrapped up the 123rd meeting in this rivalry with 420 yards, 326 on the ground. Montana State capped its first unbeaten season and can match the school record for consecutive wins with a playoff win in two weeks. The Bobcats, ranked second in the FCS coaches poll, should be the top seed in the playoffs after top-ranked North Dakota State lost its finale to fifth-ranked South Dakota. Montana (8-4, 5-3), ranked 10th, is expected to add to its record 27 FCS playoff appearances but will not have a first-round bye in the 24-team bracket. Montana State quarterback Tommy Mellott was 6-of-12 passing for 94 yards with a touchdown in poor conditions and added 50 yards and a touchdown on the ground. He has helped the Bobcats score at least 30 points in every game this season Mellott had a 5-yard touchdown run on MSU's first possession and Mellott found Jones for a 35-yard touchdown early in the second quarter for a 14-3 lead. Myles Sansted had two field goals in the final two minutes, including a 49-yarder as time expired for a 20-3 halftime lead. Jones dominated the second half and scored two short touchdowns. Eli Gillman scored on a 1-yard run for Montana's touchdown between the Jones' touchdowns. The Grizzlies had just 234 yards and went 2 of 12 on third down. AP college football: https://apnews.com/hub/ap-top-25-college-football-poll and https://apnews.com/hub/college-football . Sign up for the AP’s college football newsletter: https://apnews.com/cfbtop25