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If you’re on the fence about which mattress size to get, it makes sense to go big, if it fits within your budget and space constraints. Though a queen or king isn’t crucial when you have the whole bed to yourself, most people find it’s worth the upgrade if you feel more comfortable sprawling out. And if you sleep with someone else, a bigger bed could greatly improve your quality of sleep.

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The Leesa Hybrid and the WinkBed have been consistent favorites among Wirecutter testers of all sleep positions. And for sleepers on a budget, the Zinus Green Tea Cooling Swirl Memory Foam Hybrid, our pick for the best sub-$500 mattress, comes with a 100-night free trial . If you tend to sleep on your stomach, a mattress that falls on the firmer side of medium-firm will likely best support and cushion your chest, belly, hips, and knees, while still keeping your spine properly aligned. The classic “sink” of an all-foam mattress could put too much strain on your lower back, but you don’t want to feel like your ribs—or any other parts of your body—are pressing too hard against the mattress, either. (In that case, you might prefer a medium-firm mattress with slightly more cushioning.) Ask someone to snap a picture from the side—you should be able to draw a straight line from your neck to your lower back to your knees.

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With this new competitive landscape in mind, here is where we are headed. First, we expect to propose requiring financial institutions offering deposit accounts, credit cards, digital wallets, prepaid cards, and other transaction accounts to set up secure methods, like APIs, for data sharing. Rather than rely on black-box models that people can’t make sense of, lending can move back to real-world data about someone’s ability to pay back a loan. This will eliminate bias and reliance on credit scores and other proxies. Finally, financial companies can find new ways to underwrite and score with less bias. Today, many companies are now exploring new underwriting models that return to core principles – assessing ability to repay without attempting to use outside information to model a consumer’s presumed ability to repay.

Prices apply to 7 nights stay departing between April - October 2023 from various UK departure airports with easyJet. I’ve asked that our staff look at alternatives to the so-called notice-and-opt out regime that has been the standard for financial data privacy. For example, the longstanding Gramm-Leach-Bliley Act privacy rules don’t give consumers meaningful control over how their data is being used. We will be developing requirements to limit misuse and abuse of personal financial data, as well as frauds and scams. A common point of concern across jurisdictions around the world is how unscrupulous actors will look to harvest and hoard consumer financial data as it increases in scale.

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When you think you’re paying one price to book a hotel, you only find out after checking out that there’s a “resort fee” you never heard about that’s added to your bill. The CFPB is subject to a rulemaking step that is unique among financial regulators. Before issuing a proposed rule, the CFPB must convene a panel of small businesses that represent their markets to provide input on our proposals. This week, we will be publicly releasing a discussion guide that small firms can weigh in on.

While we expect to cover more products over time, we are starting with these ones. Through these transaction accounts, the rule will be able to facilitate new approaches to underwriting, payment services, personal financial management, income verification, account switching, and comparison shopping. Large incumbents will find their customers to be less “sticky” and easier to “poach.” They’ll also find it harder to impose junk fees and harvest personal financial data for their exclusive use. People would feel secure knowing that both the data holder and the data receiver follow secure practices. For Americans to be confident that they have the consumer financial product that is right for them and their specific needs, they should be able to share their data readily, but safely. Likewise, nascent firms would be able to use data permissioned by consumers to improve upon and customize, to provide greater access, and to develop products and services.

San Diego Oasis welcomes older adults to try out unique fitness classes during sneak peak

Around the world and here at home, financial services are slowly moving toward open banking and open finance. A more decentralized and neutral consumer financial market structure has the potential to reshape how companies compete in the sphere. The CMA and other regulators now have the unenviable task of untangling these arguments between Sony and Microsoft and figuring out exactly how this deal could harm consumers or competition. Statista used Centers for Medicare & Medicaid Services data to determine the performance of nursing homes. Additionally, experts from all over the US could participate in the survey of the Best Nursing Homes by State on newsweek.com.

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They included founding families such as the Potters and the Lainharts, who would go on to become leading members of the business community in the fledgling city. The first white settlers in Palm Beach County lived around Lake Worth, which at the time was an enclosed freshwater lake, named after Colonel William Jenkins Worth, who had fought in the Second Seminole War in Florida in 1842. Most settlers engaged in the growing of tropical fruits and vegetables for shipment to the north via Lake Worth and the Indian River.

Sleep on the new mattress for a month , see how you feel, and set a calendar reminder for when the trial is up. That said, it may take a month or more of sleeping on a mattress to figure out whether it’s really comfortable to you for the long term. “You need to spend some quality time assessing it,” said Santhosh Thomas, medical director of the Cleveland Clinic’s Center for Spine Health. He believes you should insist on a trial period without penalty, even if the store requires you to keep the plastic cover on.

Conservative Latinos push back on the liberal talking point that Florida Republicans gained Latino support thanks to Spanish language "disinformation." Rep. Mayra Flores, R-Texas, spoke with Fox News Digital about her election defeat, how the media covers Latino Republicans, and her future in an exclusive interview. Republicans are winning Latino votes because we want American Dream, not some Marxist, Latinx dream that delivers equal misery. This material may not be published, broadcast, rewritten, or redistributed. The town has suspended all parks and recreation programs until further notice ahead of Hurricane Ian.

Shopping for mattresses can be a nightmare, and searching specifically for an innerspring model is its own special hell. If you sleep with a partner yet your preferences differ—say, you prefer firm but your mate likes something plusher—you’ll need to find a compromise. Lean toward what’s most comfortable for the partner who has musculoskeletal issues , said the Cleveland Clinic’s Santhosh Thomas. If neither of you has an issue on that front, you could choose the firmer option and (for a king-size bed) attempt to make one side softer with a twin-size mattress topper.

Our rule will facilitate third party companies that offer services to make switching recurring payments easier. Specifically, we expect that the public will gain more bargaining leverage once data holding companies must share authorized consumer data with authorized third parties. And, this will lead to more shopping by consumers both because they have the leverage to walk away and because they will have access to more tailored products and services. For example, even when large institutions that share personal data with their customers use APIs, there is no guarantee those institutions don’t play games on availability, latency, and critical data points, like price. However, a big potential stumbling block for Microsoft’s mobile gaming ambitions could be its control of Call of Duty on both mobile and console.

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Satisfaction was higher in our February survey when 53 percent of adults and 48 percent of likely voters were satisfied with democracy in America. Today, half of Democrats and about four in ten independents are satisfied, compared to about one in five Republicans. Across regions, half of residents in the San Francisco Bay Area (52%) and the Inland Empire (50%) are satisfied, compared to fewer elsewhere. Across demographic groups, fewer than half are satisfied, with the exception of Latinos (56%), those with a high school degree or less (55%), and those making less than $40,000 (53%). In September, a similar share of likely voters preferred the Democratic candidate (60% Democrat/lean Democrat, 34% Republican/lean Republican). Today, overwhelming majorities of partisans support their party’s candidate, while independents are divided (50% Democrat/lean Democrat, 44% Republican/lean Republican).

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If the UK battles are anything to go by, this acquisition could get messy as Microsoft and Sony battle it out behind the scenes to sway regulators. Microsoft even has a dedicated website to highlight its arguments as it seeks to convince regulators that its giant deal isn’t a bad one for gamers. We’re still months away from final regulator decisions, but get ready for this battle to continue to spill out onto the internet’s streets. Sign up to get the best content of the week, and great gaming deals, as picked by the editors.

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It appealed to a wider range of testers than most of the other cheap mattresses we tried. And, as for companies looking to draw in new customers – when consumers authorize transfers of their personal financial data, new providers will be able to treat them as if they have been long-time customers. Because of the authorized data, companies will immediately know the products and services that could best fit their new customers’ needs. Microsoft’s Activision Blizzard deal is key to the company’s mobile gaming efforts. Microsoft is quietly building a mobile Xbox store that will rely on Activision and King games.

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He has conducted surveys for theLos Angeles Times, theSan Francisco Chronicle, and the California Business Roundtable. He holds a PhD in sociology from the University of California, Berkeley. Approval of Congress remains low, with fewer than four in ten adults (37%) and likely voters (29%) approving. Approval of Congress among adults has been below 40 percent for all of 2022 after seeing a brief run above 40 percent for all of 2021. Fewer than half across regions and demographic groups approve of Congress. Among partisans, an overwhelming majority of Democrats (78%) and 55 percent of independents say it is very important, compared to 43 percent of Republicans.

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