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One year on, Trump leads divided US into government shutdown

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President Donald Trump was faced Friday with the prospect of marking the first anniversary of his inauguration at the head of a broke government after senators failed to pass a stop-gap funding measure.

Republicans and Democrats traded blame for the crisis, which came to a head when the Senate failed to agree to bring forward a motion to fund federal spending and the military from midnight.

Essential services and military operations will continue, but many American civil servants and diplomats could arrive at work on Monday only to find themselves sent home without pay until the political crisis is resolved.

Trump, who canceled a trip weekend trip to his Florida golf resort to join 11th-hour horsetrading accused the Democratic opposition of putting US troops and border security at risk to score political points.

But Democratic leaders accused Republicans of poisoning chances of a deal and pandering to Trumps populist base by refusing to fund a program that protects 700,000 "Dreamers" -- undocumented immigrants who arrived in the US as children -- from deportation.

"Not looking good for our great Military or Safety & Security on the very dangerous Southern Border," Trump tweeted, shortly before the 100-member Senate failed to muster the minimum 60 votes needed to get an emergency funding motion to the floor.

"Dems want a Shutdown in order to help diminish the great success of the Tax Cuts, and what they are doing for our booming economy," he alleged.

After the Senate vote failed and with half an hour to go before the shut down was to start, White House spokeswoman Sarah Sanders tweeted: "Democrats cant shut down the booming Trump economy. Are they now so desperate theyll shut down the government instead?"

Earlier, after meeting top Senate Democrat Chuck Schumer, Trump had sounded more upbeat, saying the two New Yorkers were "working on solutions" to share with Republican Senate Majority Leader Mitch McConnell and House Speaker Paul Ryan.

But Schumer admitted a "good number of disagreements" remain between the two sides, despite a "long and detailed meeting" at which they discussed "all of the major outstanding issues."

The president shelved plans to fly to Florida to celebrate at his Mar-a-Lago estate the first anniversary of his inauguration to remain in Washington to ride out the storm.

"Hes not leaving until this is finished," White House budget director Mick Mulvaney said.

Republicans have a tenuous one-seat majority in the Senate but would have needed to lure some Democrats to their side to get a 60 vote supermajority to bring the motion forward.

After around 15 minutes of voting more than 40 senators had voted against the motion, which is not technically closed until the last vote is cast.

When it became clear that this threshold was not going to be reached, Senate majority leader Mitch McConnell launched into a private debate with Schumer on the Senate floor.

Democrats had insisted on a deal that would protect from deportation the so-called "Dreamers" -- immigrants who entered the country illegally but as children.

The measure brought to Congress would have extended federal funding until February 16 and reauthorized for six years a health insurance program for poor children -- a long-time Democratic objective.

But it would have cut the Deferred Action on Childhood Arrivals program, known as DACA, that affects Dreamers.

White House officials insisted there was no urgency to fix DACA, which expires March 5.

"This is purely an attempt by the Senate Democrats led by Schumer -- why we call it the Schumer shutdown -- to try and get a shutdown the president gets blamed for," Mulvaney said.

With mid-term congressional elections looming later this year, Republicans risk being blamed by voters when the government stops functioning over lack of funds.

A new Washington Post/ABC poll found that 48 percent of Americans blame Trump and the Republicans for a potential shutdown, and only 28 percent hold Democrats responsible.

There have been four government shutdowns since 1990. In the last one in 2013, more than 800,000 government workers were put on temporary leave.

Essential functions like the military, law enforcement, the White House and Congress would continue working but with reduced staff. Some agencies would shut altogether.

But others in the massive bureaucracy will be sent home without pay.

International ratings agency Fitch said a partial shutdown was unlikely to affect Americas AAA/stable rating for US sovereign debt.

Negotiations with the White House on a bipartisan compromise on DACA blew up last week after Trump reportedly referred to African nations and Haiti as "shithole countries."

"Tonights failure in US Senate can be laid squarely at Donald Trumps feet," Democratic congressman Gerry Connolly tweeted.

"Mr. Art of the Deal showed indecision, profound vulgarity and racist sentiments. Today he was barely active in trying to get a deal. Exactly one year in the job he proves hes not up to it."

Trumps unpredictable Twitter outbursts and sudden changes of position also have bedeviled Republican leaders as they maneuver to cut a deal. Reported by Deccan Herald 12 minutes ago.

What exactly happens in a US government shutdown: Your complete guide

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President Donald Trump and the US Congress are racing to meet a midnight Friday deadline to pass a short-term bill to keep the U.S. government open and prevent agencies from shutting down. In shutdowns, nonessential government employees are furloughed, or placed on temporary unpaid leave. Workers deemed essential, including those dealing with public safety and national security, keep working.

After previous government shutdowns, Congress passed measures to ensure that all unpaid workers received retroactive pay. The Trump administration would support a similar measure, a senior administration official said on Friday. Workers began finding out on Friday whether they would be furloughed, but official notices would come as early as Saturday. They would receive their last paycheck for work up until the shutdown on Friday January 26.

The last shutdown, in October 2013, lasted more than two weeks and more than 800,000 federal employees were furloughed. There is no official tally of how many would be off work this time. Here are some details about what happened in 2013, along with some recent updates from officials:

*MILITARY: *The Defense Department said on Friday that a shutdown would not affect the US military's war in Afghanistan or its operations against Islamist militants in Iraq and Syria. All 1.3 million military personnel on active duty would remain on normal duty status. Civilian personnel in nonessential operations would be furloughed. Defense Secretary Jim Mattis said a sustained funding impasse would cause ships to go without maintenance and aircraft to be grounded.

*JUSTICE:* The Justice Department has many essential workers. Under its shutdown contingency plan, about 95,000 of the department's almost 115,000 staff would keep working.
FINANCIAL OVERSIGHT: The stock market-policing Securities and Exchange Commission funds itself by collecting fees from the financial industry, but its budget is set by Congress. It has said in the past it would be able to continue operations temporarily in a shutdown. But it would have to furlough workers if Congress went weeks before approving new funding.

The Commodity Futures Trading Commission, meanwhile, would have to furlough 95 percent of its employees immediately. An agency spokeswoman said the derivatives regulator could, however, call in additional staff in the event of a financial market emergency.

*WHITE HOUSE: *More than 1,000 of the 1,715 staff at the White House would be furloughed, the Trump administration said on Friday. The president would be provided with enough support to carry out his constitutional duties, including staff needed for a planned trip to the World Economic Forum in Davos, Switzerland, administration officials said.

*NATIONAL PARKS:* The Trump administration plans to keep national parks open with rangers and security guards on duty. The parks were closed in 2013 and it resulted in a loss of 750,000 daily visitors, said the nonprofit National Parks Conservation Association. The National Park Service (NPS) estimated the shutdown resulted in $500 million in lost visitor spending in areas around the parks and the Smithsonian museums.

*WASHINGTON TOURIST SIGHTS:* In 2013, popular tourist sites such as the Smithsonian closed, with barricades going up at the Lincoln Memorial, the Library of Congress and the National Archives. The Trump administration does not plan to barricade open-air monuments this time, officials said. The Smithsonian has said its museums could remain open for the first weekend. The NPS, which oversees many Washington landmarks, including the National Mall, has said it has a plan in place so that "First Amendment activities" can continue during a shutdown.

*TAXES:* The Internal Revenue Service furloughed 90 percent of its staff in 2013, the liberal Center for American Progress said. About $4 billion in tax refunds were delayed as a result, according to the Office of Management and Budget (OMB). 

*MAIL DELIVERY:* Deliveries would continue as usual because the U.S. Postal Service receives no tax dollars for day-to-day operations.

*TRAVEL:* Air and rail travelers did not feel a big impact in 2013 because security officers and air traffic controllers remained at work. Passport processing continued with some delays.

*COURTS: *The Administrative Office of the U.S. Courts has said federal courts, including the Supreme Court, could continue to operate normally for about three weeks without additional funding.

*HEALTHCARE:* In 2013, the Medicare health insurance program for the elderly continued largely without disruption. Hundreds of patients could not enroll in National Institutes of Health clinical trials, according to the OMB. A program at the U.S. Centers for Disease Control and Prevention to track flu outbreaks was temporarily halted in 2013. This time, the CDC will continue its work to track the flu outbreak, an official said.

*CHILDREN:* Six Head Start programs in Alabama, Connecticut, Florida, Georgia, Mississippi and South Carolina serving about 6,300 children shut for nine days in 2013, the OMB said.

*SOCIAL SECURITY:* Social Security and disability checks were issued in 2013 with no change in payment dates and field offices remained open but offered limited services. There were delays in the review process for new applicants.

*LOANS:* Processing of mortgages and other loans was delayed when lenders could not access government services such as income and Social Security number verification. The Small Business Administration was unable to process about 700 applications for $140 million in loans until the shutdown ended, OMB said.

*VETERANS:* Most employees at the Department of Veterans Affairs would not be subject to furlough. VA hospitals would remain open and veterans' benefits would continue, but education assistance and case appeals would be delayed, the department said.

*FOOD INSPECTIONS:* Department of Agriculture meat inspectors stayed on the job. Agricultural statistical reports ceased publication. The USDA's website went dark.

*ENERGY:* The Department of Energy said on Friday that since most of its appropriations are for multiple years, employees should report to work as normal during a shutdown until told otherwise. If there was a prolonged lapse in funding a "limited number" of workers may be placed on furlough.  

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Sat, 20 Jan 2018-08:28am
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From Print Edition: 
Highlights:  Reported by DNA 2 hours ago.

THE INSURANCE AND THE IoT REPORT: How insurers are using connected devices to cut costs and more accurately price policies

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THE INSURANCE AND THE IoT REPORT: How insurers are using connected devices to cut costs and more accurately price policies This is a preview of a research report from BI Intelligence, Business Insider's premium research service. To learn more about BI Intelligence, click here.

Insurance companies have long based their pricing models and strategies on assumptions about the demographics of their customers. Auto insurers, for example, have traditionally charged higher premiums for parents of teenage drivers based on the assumption that members of this demographic are more likely to get into an accident.

But those assumptions are inherently flawed, since they often aren't based on the actual behaviors and characteristics of individual customers. As new IoT technologies increasingly move into the mainstream, insurers are able to collect and analyze data to more accurately price premiums, helping them to protect the assets they insure and enabling more efficient assessment of damages to conserve resources.

A new report from BI Intelligence explains how companies in the auto, health, and home insurance markets are using the data produced by IoT solutions to augment their existing policy pricing models and grow their customer bases. In addition, it examines areas where IoT devices have the potential to open up new insurance segments.

 Here are some of the key takeaways:

· The world's largest auto insurers now offer usage-based policies, which price premiums based on vehicle usage data collected directly from the car.
· Large home and commercial property insurers are using drones to inspect damaged properties, which can improve workflow efficiency and reduce their reliance on human labor.
· Health and life insurance firms are offering customers fitness trackers to encourage healthy behavior, and discounts for meeting certain goals.
· Home insurers are offering discounts on smart home devices to current customers, and in some cases, free devices to entice new customers.

In full, the report:

· Forecasts the number of Americans who will have tried usage-based auto insurance by 2021.
· Explains why narrowly tailored wearables could be what's next for the health insurance industry.
· Analyzes the market for potential future insurance products on IoT devices.
· Discusses and analyzes the barriers to consumers opting in to policies that collect their data.

To get your copy of this invaluable guide to the IoT, choose one of these options:

1. Subscribe to an ALL-ACCESS Membership with BI Intelligence and gain immediate access to this report AND over 100 other expertly researched deep-dive reports, subscriptions to all of our daily newsletters, and much more. >> *START A MEMBERSHIP*
2. Purchase the report and download it immediately from our research store. >> *BUY THE REPORT*

The choice is yours. But however you decide to acquire this report, you’ve given yourself a powerful advantage in your understanding of insurance and the IoT.

Join the conversation about this story » Reported by Business Insider 2 hours ago.

SHUTDOWN CHAOS: The federal government likely to enter a shutdown after key Senate vote fails

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SHUTDOWN CHAOS: The federal government likely to enter a shutdown after key Senate vote fails **

· *A key vote on a short-term government funding bill failed in the Senate.*
· *The vote's failure all but guarantees a government shutdown at midnight.*
· *Democrats opposed the bill because it did not codify the Deferred Action for Childhood Arrivals (DACA) program. Some Republicans voted against the bill because it did not provide enough certainty to the military.*

--------------------The Senate voted against a key procedural step necessary to pass a GOP-led short-term funding bill Friday night, all but guaranteeing the federal government will enter a partial shutdown at midnight.

The cloture vote, which allows a bill to proceed without the ability of a member to filibuster, failed to get the 60 votes were needed for passage.

Almost all Democrats voted to block the short-term bill that would have sustained federal funding at current levels, called a continuing resolution (CR), citing the fact that the measure did not include a solution for the Deferred Action for Childhood Arrivals (DACA) immigration program.

President Donald Trump announced he would end the program in September, but gave Congress six months to codify DACA into law. With the March deadline approaching, Democrats demanded that a DACA fix be included in the CR.

In addition to the Democratic wall, a handful of Republican senators voted against the bill. Sens. Lindsey Graham and Mike Lee voted against due to concerns about the adequacy of another CR in funding the government. The bill would have only funded the government through February 16. Sen. Rand Paul also voted against the bill because of its addition to the national debt. Jeff Flake also voted no.

There could still be a solution to the mess, as there are multiple bipartisan groups of senators working towards a deal. For instance, Democratic Sen. Joe Manchin told reporters that a group he is a part of is trying to get a shorter-term deal that would expire before the State of the Union address on January 30.

On the other hand, GOP Sen. Lindsey Graham said he is working with members on a three week deal that would expire on February 8.

Based on public comments, it appears no one deal currently has the support of enough members to pass the 60 vote threshold.

The failure of the bill is the culmination of a day of wrangling in which Senate Minority Leader Chuck Schumer met with President Donald Trump in an attempt to get a compromise which did not come.

House Republicans attempted to sweeten the bill by attaching funding for the Children's Health Insurance Program (CHIP) for the next six years, but it was not enough to win over Democrats.

The government will officially enter a partial shutdown at midnight ET. If that occurs, all nonessential services of the federal government will cease and nonessential employees will not receive paychecks until it is re-opened.

*SEE ALSO: Here's what happens if the government shuts down tonight*

Join the conversation about this story »

NOW WATCH: A Georgetown professor explains how Martin Luther King Jr. 'has been severely whitewashed' Reported by Business Insider 1 hour ago.

How America Has Changed During Trump's First Year In Office, By The Numbers

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The economy has improved, health insurance prices continued to climb and far fewer people have been stopped at the southwestern border. However, not all of it is Trump's doing. Reported by NPR 18 hours ago.

Amid government shutdown, here's what Louisiana's governor, congressional delegates say

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Children's health insurance, flood insurance, other programs at risk Reported by nola.com 7 hours ago.

What Happens When CHIP Funds Run Out

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One of the central issues of the shutdown battle is the Children's Health Insurance Program. NPR's Michel Martin talks with Alabama CHIP Director Cathy Caldwell about the program, which covers 9 million low-income kids across the U.S. Reported by NPR 6 hours ago.

Are You Paying More for Health Insurance Than You Should Be?

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When it comes to picking healthcare coverage, too many of us opt for plans that don't make any financial sense. Reported by Motley Fool 16 hours ago.

New year, same old problems in health care

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State lawmakers are back at the Capitol for a legislative session, which will likely be dominated by budget talks. And with health care being a major subject of debate in every legislative session, I am pleading with policymakers to keep affordability at the forefront. Each year, state and federal lawmakers pass dozens of laws that are well-intentioned, but often lead to higher costs. As a result, 7 cents of every dollar you spend on health insurance goes directly to the government, not for care,… Reported by bizjournals 40 minutes ago.

WHAT'S OPEN?: Here's how the shutdown is affecting key parts of the federal government

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WHAT'S OPEN?: Here's how the shutdown is affecting key parts of the federal government Thousands of federal employees began their weekends gripped with doubt, uncertain of when they'll be able to return to work and how long they'll have to go without being paid after a bitter political dispute in Washington triggered a government shutdown.

And now that the shutdown has extended into the work week, federal employees entered Monday unsure of when their next paycheck would come.

Many government operations will continue — US troops will stay at their posts and mail will get delivered. But almost half the 2 million civilian federal workers will be barred from doing their jobs.

The longer the shutdown continues, the more likely its impact will be felt. Sen. John McCain, R-Arizona, said Republicans and Democrats share the blame.

"Political gamesmanship, an unwillingness to compromise, and a lack of resolve on both sides have led us to this point," McCain said in a statement Saturday.

How key parts of the federal government would be affected by a shutdown:

*SEE ALSO: DAY 3: The shutdown has rolled into the work week*

*DON'T MISS: This government shutdown is historic for one big reason*

-Internal Revenue Service-

A shutdown plan posted on the Treasury Department's website shows that nearly 44 percent of the IRS' 80,565 employees will be exempt from being furloughed during a shutdown.

That would mean nearly 45,500 IRS employees will be sent home just as the agency is preparing for the start of the tax filing season and ingesting the sweeping changes made by the new GOP tax law.

The Republican architects of the tax law have promised that millions of working Americans will see heftier paychecks next month, with less money withheld by employers in anticipation of lower income taxes. The IRS recently issued new withholding tables for employers.

But Marcus Owens, who for 10 years headed the IRS division dealing with charities and political organizations, said it's a "virtual certainty" that the larger paychecks will be delayed if there's a lengthy government shutdown.-Health and Human Services-

Half of the more than 80,000 employees will be sent home.

Key programs will continue to function because their funding has ongoing authorization and doesn't depend on annual approval by Congress.

But critical disruptions could occur across the vast jurisdiction of HHS programs — including the seasonal flu program.

Medicare, which insures nearly 59 million seniors and disabled people, will keep going. And so will Medicaid, which covers more than 74 million low-income and disabled people, including most nursing home residents.

States will continue to receive payments for the Children's Health Insurance Program, which covers about 9 million kids. However, long-term funding for the program will run out soon unless Congress acts to renew it.

Deep into a tough flu season, the Centers for Disease Control and Prevention will be unable to support the government's annual seasonal flu program. And CDC's ability to respond to disease outbreaks will be significantly reduced.-Justice Department-

Many of the nearly 115,000 Justice Department employees have national security and public safety responsibilities that allow them to keep working during a shutdown.

Special counsel Robert Mueller's team investigating Russian meddling in the presidential election will also continue working. His office is paid for indefinitely.

The more than 95,000 employees who are "exempted" include most of the members of the national security division, U.S. attorneys, and most of the FBI, Drug Enforcement Administration, Bureau of Alcohol, Tobacco, Firearms and Explosives, U.S. Marshals Service and federal prison employees.

Criminal cases will continue, but civil cases will be postponed as long as doing so doesn't compromise public safety. Most law enforcement training will be canceled, per the department's contingency plan.
See the rest of the story at Business Insider Reported by Business Insider 16 hours ago.

WE'VE GOT A DEAL: Government shutdown looks set to end as Democrats surrender

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WE'VE GOT A DEAL: Government shutdown looks set to end as Democrats surrender · *The Senate is set to clear a procedural hurdle and allow a funding bill to reopen the government to move forward.*
· *The deal was reached after Senate Majority Leader Mitch McConnell committed to bring a bill to codify the Deferred Action for Childhood Arrivals (DACA) to the Senate floor.*
· *The House will need to vote on the measure in order for the bill to go to President Donald Trump to sign.*

--------------------The Senate was set to clear a key procedural hurdle on a deal to fund the government on Monday, taking a large step toward ending the federal government shutdown.

The cloture vote, which allows the funding bill to move forward without a filibuster, looked likely to clear the 60-vote threshold with support from both parties.

Senate Minority Leader Chuck Schumer said Democrats will vote for the upcoming bill during a speech on the Senate floor.

"The Republican leader and I have come to an arrangement," Schumer said. "We will vote today to reopen the government."

The deal will keep the government funded until February 8, rather than the February 16 deadline in the original House-passed funding bill that was rejected in the Senate on Friday.

The House needs to vote on the bill will before President Donald Trump can sign it to reopen the government.

The impasse was broken after Senate Majority Leader Mitch McConnell agreed to have a vote on a bill to codify the Deferred Action for Childhood Arrivals (DACA) immigration program. Securing a vote on the DACA issue was a key priority for Democrats.

It's unclear, however, whether House GOP leadership made any commitments to hold such a vote, potentially scuttling movement on DACA. McConnell previously promised Republican Sen. Jeff Flake there would be a DACA vote by the end of January, which does not look likely.

Schumer said that if McConnell does not hold a good faith vote on the DACA issue by the February 8 deadline, the Republican leader "will have breached the trust" of Senate Democrats.

"The Republican majority now has 17 days to keep the Dreamers from being deported," Schumer said, in reference to DACA recipients.

The program will expire on March 5, potentially leaving nearly 700,000 unauthorized immigrants who came to the US as minors at risk of deportation.

The bill will also extend funding for the Children's Health Insurance Program (CHIP) for six years. CHIP funding technically expired in September.

*SEE ALSO: This government shutdown is historic for one big reason*

Join the conversation about this story »

NOW WATCH: A Georgetown professor explains how Martin Luther King Jr. 'has been severely whitewashed' Reported by Business Insider 13 hours ago.

As Obamacare debate rages, most in N.J. say health insurance system 'on wrong track'

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The people who reported the most satisfaction with their insurance plan were covered through their jobs, which represent 56 percent of all adults in New Jersey. Reported by NJ.com 11 hours ago.

CHIP: What to know about the Children's Health Insurance Program

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The federal funds for the Children’s Health Insurance Program (CHIP) expired at the end of September, and a permanent solution has not been passed. Reported by FOXNews.com 11 hours ago.

Congress just set up another government shutdown deadline — and the next fight could get even nastier

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Congress just set up another government shutdown deadline — and the next fight could get even nastier **

· *The Senate voted to reopen the government on Monday.*
· *The deal will create another shutdown deadline — this time on February 8.*
· *The next shutdown fight could be even more contentious as Congress nears a deadline for a key immigration program.*

--------------------The Senate on Monday finally voted to end the federal government shutdown by passing a short-term funding bill, with a deal that will keep the government open through February 8 in addition to addressing other issues with the Children's Health Insurance Program (CHIP).

But the short-term nature of the deal leaves open the possibility that the battle could repeat itself just three weeks from now.

By the next deadline, policy analysts say, the two parties will see even less agreement. That could make the next fight even more fraught.

"A vote to reopen the government today could be a fake-out," Greg Valliere, chief strategist at Horizon Investments, said in an email following the Senate vote. "It simply would postpone a bitter fight over immigration, which will be very difficult to resolve by early February."

The linchpin in the Senate agreement on Monday was a guarantee from Senate Majority Leader Mitch McConnell to consider legislation to codify the Deferred Action for Childhood Arrivals (DACA) immigration program.

The Obama-era program protects from deportation nearly 700,000 undocumented immigrants who were brought to the US as minors. President Donald Trump said he would end the program as it existed in September, but gave Congress until March 5 to pass a bill to enshrine the program into law.

While leaders from both parties have expressed a desire to protect DACA recipients, progress has been minimal toward a deal to permanently solve the issue.

"Too early to declare winners or losers as this is truly just a cease fire. The same fiscal fight will restart in February and the next iteration will be far more contentious given new dynamics in the immigration debate and the return of the debt ceiling," said Isaac Boltansky, an analyst at Compass Point.

For instance, Trump told a meeting of lawmakers from both parties earlier this month that he would "sign anything" Congress passed. But when Democratic Whip Sen. Dick Durbin and GOP Sen. Lindsey Graham released a bipartisan bill, the White House said Trump opposed it.

Given the lack of progress, solving the issue within three weeks — and in turn avoiding another shutdown — seems like a difficult prospect, Valliere said.

"Both parties are dominated by hard-liners on immigration, and the president seems clueless on the key issues," he told Business Insider. "So this is not resolved, not by a long shot."

The deal also cleared the decks of another piece of significant leverage for the GOP: the Children's Health Insurance Program.

Republicans added CHIP, which provides healthcare coverage to about 9 million children, to the funding bill as an incentive to get Democratic votes. Many moderate Democrats in states Trump won in 2016 cited the CHIP funding as a primary reason for their support of the deal.

But without this pressure point in the next funding legislation, the focus on DACA will be close to exclusive if Republicans can't attach another Democratic request.

"Nothing in this legislation gives me any confidence that in three weeks Congress won’t end up exactly where we are today," Democratic Sen. Bob Menendez told reporters.

*SEE ALSO: WE'VE GOT A DEAL: Government shutdown looks set to end as Democrats surrender*

Join the conversation about this story »

NOW WATCH: A reporter who met with the former spy behind the Trump-Russia dossier explains why it’s not 'fake news' Reported by Business Insider 10 hours ago.

Poor Kids' Health Program Is About to Get Long-Term Extension

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The Children's Health Insurance Program is poised to end its time in limbo after the Senate voted to end a three-day government shutdown. Reported by Newsmax 8 hours ago.

KC safety-net services still 'in the dark' after Senate votes to end shutdown

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A Senate bill would end the government shutdown and provide health insurance to children. But it's missing an important legislative component — funding for federally qualified health centers. Reported by bizjournals 9 hours ago.

Here's why Measure 101 may pass on Tuesday

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Ballots aren’t due until 8 p.m. Tuesday, but already there may be some indications that access to health will trump anti-tax sentiment and voters will pass Measure 101, several political observers predicted.  As of today, 747,525 ballots have been cast, or 28 percent of eligible voters, according to the Secretary of State's running tally. Measure 101 asks voters to ratify a package of taxes on hospitals and health insurance companies to close a $320 million Medicaid budget shortfall and fund… Reported by bizjournals 7 hours ago.

Trump ‘Pleased’ That Democrats Came ‘to Their Senses’ on Funding the Government

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President Donald Trump in a statement read by White House Press Secretary Sarah Huckabee Sanders on Monday said he was “pleased” that the Democrats came to their “senses” and decided to fund the military, Border Patrol, first responders, and the Children’s Health Insurance Program. Read Full Story Reported by CNSNews.com 5 hours ago.

Embrace Pet Insurance Announces The Launch Of EMBRACE360™, The Digital Solution To Pet Insurance Management

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Embrace Pet Insurance to demo a new digital solution in pet insurance management for veterinary hospitals at the Veterinary Meeting and Expo (VMX) in February.

CLEVELAND (PRWEB) January 23, 2018

After a year of ideation and coding, Embrace Pet Insurance is rolling out its newest product, Embrace360™, an innovative web-based application that simplifies pet insurance for veterinary professionals and pet owners.

Embrace is passionate about creating the best possible pet insurance experience for both pet parents and veterinary partners, so when research indicated that they wanted an easier way to submit claims, the team at Embrace began brainstorming and Embrace360 started to take shape.

Embrace360 is a free, easy-to-use application that changes the game for veterinary hospitals looking to integrate pet insurance into their practice.

Embrace360 features:· Streamlined electronic claims submission
· The ability to email pet parents pet insurance quotes with just a few clicks
· Stress-free installation & staff training
· Seamless integration with veterinary practice software

Embrace360 eliminates the paperwork that complicates the pet insurance process, taking valuable time away from patient care. Electronic claims submission at the time of service simplifies pet insurance for the hospital and makes it more appealing to pet parents.

“We know that pet insurance is a lifesaver for pet parents, but often veterinary hospitals get caught up in the complexity of it all. Embrace360 puts the focus back where it belongs, on patient care,” said Embrace Pet Insurance Chairman Ambrish Jaiswal.

With Embrace360, veterinary hospitals can offer Embrace’s nose-to-tail pet insurance coverage without adding extra work. It integrates seamlessly into the existing practice management system, and Embrace handles both the quick installation and staff training.

“Embrace360 makes my job easy! I can send a quote instantly from my computer without the hassle,” said Yolanda Cuevas, Client Care Coordinator at Animal House Veterinary Center in Ewa Beach, Hawaii. “Our clients continue to be amazed at how much Embrace360 brings to the table.”

Embrace is the only pet insurance provider that offers electronic claims submission for both insurance coverage and wellness care, and the Embrace team is currently beta-testing direct payment to the veterinary hospital for wellness claims. They plan to add additional features, such as direct reimbursement for accident and illness claims soon.

Embrace Pet Insurance provides pet parents peace of mind when the unexpected happens and Embrace360 creates the seamless experience that takes pet insurance to the next level.

For more information about Embrace360, visit https://www.embracepetinsurance.com/vets/embrace360.

###

About Embrace Pet Insurance
Embrace Pet Insurance is an Ohio-based pet health insurance provider, offering comprehensive, personalized insurance products for dogs and cats across the United States. Embrace is consistently ranked as one of the highest-rated U.S. pet insurance companies, and is a proud member of the North American Pet Health Insurance Association. Embrace is the only company to offer a diminishing deductible feature, the Healthy Pet Deductible, and continues to innovate and improve the pet insurance experience for pet parents across the country. For more information about Embrace Pet Insurance, visit http://www.embracepetinsurance.com or call (800) 511-9172.

About the North American Pet Health Insurance Association
Embrace is a proud member of the North American Pet Health Insurance Association (NAPHIA). NAPHIA is comprised of reputable pet health insurance (PHI) organizations from across Canada and the United States. NAPHIA’s membership makes up over 99% of all pet health insurance coverage in effect in North America.

As a coalition, NAPHIA works to advance and grow the PHI industry through proactive research, data sharing, benchmarking initiatives, advocacy efforts, strategic partnerships, resource sharing and the dissemination of information to collaboratively address challenges and opportunities. To learn more, visit http://www.naphia.org/. Reported by PRWeb 23 hours ago.

Acclaimed Animal Health Speaker, Educator and Innovator, Dr. Debbie Stoewen Joins the LifeLearn Animal Health Team

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Dr. Debbie Stoewen, DVM, MSW, RSW, PhD, joins LifeLearn to help with their renewed focus on continuing education (CE) by developing a curriculum to help veterinarians and their teams address the challenges of the modern veterinary practice.

GUELPH, Ontario (PRWEB) January 23, 2018

LifeLearn, Inc. announced today that Dr. Debbie Stoewen DVM, MSW, RSW, PhD, has joined the company as Director of Veterinary Affairs.

Randy Valpy, president and CEO at LifeLearn, has been both a colleague and long-time admirer of Dr. Stoewen, a highly-respected speaker, educator and practitioner, and is very excited to welcome her to the LifeLearn team.

"Dr. Stoewen's outstanding credentials as an academic, entrepreneur and facilitator are perfectly aligned with the products and services we offer under the LifeLearn veterinary ECOsystem. And she has the ideal expertise to help us in our ongoing mission to provide expert solutions in education, communication, and business optimization that advance animal health worldwide," he said.

In her new role, Dr. Stoewen will be integral to LifeLearn's renewed focus on continuing education (CE), developing a curriculum to help veterinarians and their teams address the challenges of the modern veterinary practice.

With 25 years of practice experience, including as the founder and sole proprietor of a companion animal hospital, and a Masters of Social Work and a PhD which focused on veterinary communication, Dr. Stoewen is not only well-versed in the daily realities of veterinary practice, but adds to this an advanced understanding of personal well-being, interpersonal dynamics, and veterinary-client-patient communication, giving her a unique vantage point on the social aspects of practice.

Dr. Stoewen will lead within LifeLearn a CE program that she's developed called 'The Social Side of Practice' that LifeLearn will be making available to its clients. This, Valpy explains, is a fully accredited, evidence-based continuing education program for veterinarians and their teams. "Veterinary wellness, veterinary-client-patient communication, teamwork, organizational culture, and leadership are all topics she has covered in her career," he said.

Mark Stephenson, DVM, Chief Veterinary Officer at LifeLearn, weighs in with more details of how Dr. Stoewen's unique talents and expertise will advance the LifeLearn ECOsystem. "Dr. Stoewen is not only a DVM with a strong practice background, but with her advanced education, she has clear expertise in the people part of veterinary medicine. This is important because although the animals are our patients, the people are our clients, staff and stakeholders and our ability to work and communicate with them makes or breaks our success in veterinary practice despite our passion and skill in medicine and surgery," Stephenson said.

Dr. Stoewen, he said, will help with an expanded CE product offering in communications that will truly change the way the profession learns and uses information. "As an avid learner herself, she brings so much to the table that's going to help us continue to keep our finger on the pulse of veterinary practice, including the pain points that we can help address with our evolving technology and digital solutions."

Dr. Stoewen comes to LifeLearn from Pets Plus Us pet health insurance. "For me, it's a gift to have the opportunity to continue my work in supporting veterinarians and their teams, and to give back to my profession," says Stoewen.

About LifeLearn Animal Health
Founded in 1994, LifeLearn, Inc., is a Guelph-based technology company dedicated to helping animal health organizations realize the value of knowledge, by building and delivering solutions that advance animal health worldwide. LifeLearn's Animal Health ECOsystem is a comprehensive suite of custom digital solutions designed to help veterinary teams and animal health companies in the areas of education, communication, and ultimately, optimization of their business. Reported by PRWeb 22 hours ago.
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