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NoneWASHINGTON (AP) — The acting director of the Secret Service said Thursday that the agency is “reorganizing and reimagining” its culture and how it operates following an assassination attempt against Donald Trump on the campaign trail. Members of a bipartisan House task force investigating the attempt on Trump's life pushed Ronald Rowe on how the agency’s staffers could have missed such blatant security vulnerabilities leading up to the July 13 shooting at a rally in Butler, Pennsylvania. At one point, the hearing devolved into a shouting match between Rowe and a Republican congressman. Rowe promised accountability for what he called the agency’s “abject failure” to secure the rally in Butler, where a gunman opened fire from a nearby building. Trump was wounded in the ear, one rallygoer was killed and two others were wounded. Another assassination attempt two months later contributed to the agency’s troubles. That gunman waited for hours for Trump to appear at his golf course in Florida, but a Secret Service agent thwarted the attack by spotting the firearm poking through bushes. The task force has been investigating both attempts, but it was the July shooting that dominated Thursday’s hearing. Its inquiry is one of a series of investigations and reports that have faulted the agency for planning and communications failures. The agency’s previous director resigned, and the Secret Service increased protections for Trump before the Republican won the November election. Rowe was repeatedly asked by flabbergasted lawmakers how problems so obvious in hindsight were allowed to happen. Rep. Jason Crow, a Colorado Democrat, said it was “just wild to me” that at a time of tech advances, the Secret Service was using text messages and emails to communicate in real time about threats. He also asked Rowe why so many things went wrong that day “yet nobody said anything.” Rowe said the agency used to have a culture where people felt comfortable speaking up. “I don’t know where we lost that,” he said. “We have to get back to that.” Rowe said the agency is putting a much stronger emphasis on training — something previous investigations found was lacking — and on doing more regular reviews of events to see what went right and where improvements can be made. “We are reorganizing and reimaging this organization," Rowe told lawmakers. He said the agency needs to identify possible leaders much earlier in their careers instead of just promoting people to command positions because they have been around a long time. The hearing was largely cordial, with members of Congress stressing the bipartisan nature of their work and praising Rowe for cooperating with their investigation even as they pushed him for explanations. But at one point, Rowe and Rep. Pat Fallon, a Texas Republican, faced off — shouting over each other as other members pleaded for order. Fallon pulled out a photo of President Joe Biden, Trump and others at this year's Sept. 11 ceremony in New York and asked Rowe why he was at the event, suggesting it was to burnish his prospects at getting the director job permanently. Trump has not yet named his pick to lead the agency. “I was there to show respect for a Secret Service member that died on 9/11. Do not invoke 9/11 for political purposes!” Rowe shouted. “You wanted to be visible because you were auditioning for this job that you’re not going to get!” Fallon later shot back. Rowe roared back: "You are out of line, Congressman. You are out of line!” “You're a bully,” Fallon said. This was the task force’s second public hearing and the first time that Rowe has addressed its members in public. The panel has until Dec. 13 to release its final report. Rep. Mark Green, a Tennessee Republican, said the agency’s conduct during the July shooting seemed almost “lackadaisical.” He said some of the issues that went wrong that day were ”really basic things.” “It speaks of an apathy or a complacency that is really unacceptable in an organization like the Secret Service,” Green said. The task force conducted 46 transcribed interviews, attended over a dozen briefings and reviewed over 20,000 documents. Members also visited the site of both assassination attempts and went to the FBI’s laboratory in Quantico, Virginia, to look at evidence. Rowe said Thursday that the agency's internal investigation , whose findings were released last month, identified failures by multiple employees. He noted that the quality of the advance work — the people who scope out event locations ahead of time — did not meet agency standards. He vowed accountability for those who fell down on the job. Many of the investigations have centered on why buildings near the rally with a clear line of sight to the stage where Trump was speaking were not secured in advance. The gunman, Thomas Crooks, climbed onto the roof of one of them and opened fire before being killed by a Secret Service counter-sniper. Rowe pointed to the failure to protect the building as the most glaring oversight that day. He also was asked about the morale of agents and new hires. Rowe said applications are actually up this year — the agency made a net gain of about 200 agents during the past fiscal year, meaning both new agents were hired and veteran agents retained.

The International Criminal Court (ICC) has issued arrest warrants for the Israeli Prime Minister Benjamin Netanyahu, former defence minister Yoav Gallant, as well as senior Hamas official Mohammed Deif. The warrants are for alleged crimes against humanity and war crimes committed during the Israel-Gaza war. The ICC said there were reasonable grounds to believe Mr Netanyahu and Mr Gallant "bear responsibility for ... the war crime of starvation as a method of warfare; and the crimes against humanity of murder, persecution, and other inhumane acts". Israel challenged the legality of the ICC prosecutor's request to issue arrest warrants. The court has rejected it, saying Israel's acceptance of the court's jurisdiction is not required. Australia's Foreign Minister Penny Wong commented on the news saying the country respected the ICC's independence and importance of international law. The Israeli Prime Minister's office was quick to respond to the news, rejecting it as "anti-Semitic". "Israel rejects with disgust the absurd and false actions and charges against it by the International Criminal Court, which is a biased and discriminatory political body," the office said in a statement. "There is nothing more just than the war that Israel has been waging in Gaza since the seventh day of October 2023, after the terrorist organization Hamas launched a murderous attack against it, and carried out the greatest massacre committed against the Jewish people since the Holocaust. "Prime Minister Binyamin Netanyahu will not give in to pressure, will not flinch and will not withdraw until all the war goals set by Israel at the start of the campaign are achieved." Senior Hamas official Basem Naim said the decision was an "important step on the path to justice". "But it remains a limited and spiritual step if it is not backed practically by all countries." The ICC also issued an arrest warrant for senior Hamas official Deif. The court said there were reasonable grounds to believe Deif was responsible "for the crimes against humanity of murder; extermination; torture; and rape and other form of sexual violence". It said there are also reasonable grounds to believe he's responsible for "the war crimes of murder, cruel treatment, torture; taking hostages; outrages upon personal dignity; and rape and other form of sexual violence". Israel had said it killed Deif in an air strike but Hamas neither confirmed nor denied this. The alleged crimes The ICC warrants say Mr Netanyahu and Mr Gallant are criminally responsible because they are the "civilian superiors" — in other words, they are at the top of the chain of command when it comes to Israeli forces carrying out such offences. It said that the crimes against the population in Gaza were "widespread and systematic" and that they "intentionally and knowingly deprived the civilian population in Gaza" of food, water and medical supplies. The court said the UN and other humanitarian organisations had issued warnings, but "only minimal humanitarian assistance was authorised". It said there were reasonable grounds to believe there were two instances where attacks "were intentionally directed against civilians". With regards to Mohammed Deif, the ICC warrants said he was responsible for the crimes committed by Hamas fighters on October 7. It said Hamas "attackers" had "fired at people while they were seeking shelter and throw grenades at them." The court said the conduct was "part of a mass killing of members of the civilian population" and that Israeli hostages, particularly women had been subjected to sexual violence including rape. Multiple countries vow to uphold arrest warrants The move comes after ICC prosecutor Karim Khan announced on May 20 that he was seeking arrest warrants for alleged crimes connected to the Hamas-led attack on Israel on October 7, 2023, and Israel's military response in Gaza. Mr Khan said in a statement the warrants were dependent on the cooperation of its member nations. "Today, our collective mind and focus should be on the victims of international crimes in Israel and in the State of Palestine," he said. "In my own meetings with the victims and families of hostages taken from Kibbutzim, and with victims from Gaza who have lost so many loved ones, I have underlined that the law is there for all, that its role is to vindicate the rights of all persons." Mr Khan had also asked the court to consider warrants for Hamas officials Ismail Haniyeh and Yahya Sinwar, but those applications were withdrawn after they were killed. Following the announcement, representatives in the EU, Italy, France, the Netherlands, Canada, Ireland and Jordan indicated they respected and could implement the ICC warrants. But a White House Security Council spokesman said the United States "fundamentally rejects" the court's decision to issue warrants against the Israeli officials. Israeli politicians slam ICC decision Israel's President, Isaac Herzog, described the ICC's decision as a "dark day for justice" and a "dark day for humanity". "Taken in bad faith, the outrageous decision at the ICC has turned universal justice into a universal laughing stock," he said in a post on X. "It makes a mockery of the sacrifice of all those who fight for justice — from the Allied victory over the Nazis till today." Former Israeli prime minister Naftali Bennett called the ICC's decision to issue arrest warrants against Mr Netanyahu and his former defence minister a "mark of shame". Israel's main opposition leader Yair Lapid also denounced the move, calling it "a prize to terror". Benny Gantz, who served in an emergency government with Mr Netanyahu from the start of the war for eight months, called the arrest warrants "moral blindness". Israeli authorities will not enforce the arrest warrant Israel is not a member state of the ICC, and therefore does not recognise its jurisdiction in Israel and the Occupied Palestinian Territories. That means Israeli authorities will not arrest Mr Netanyahu or Mr Gallant, but the warrants do impose obligations on member countries to enforce an arrest should the men travel overseas. Australia is one of the 124 member states, and Prime Minister Anthony Albanese had been keen to avoid speculating how his government would act when the warrant applications were made in May. At the time, federal opposition leader Peter Dutton had accused the ICC of anti-Semitism, saying it was "completely and utterly repugnant" to liken the actions of Mr Netanyahu to the leadership of Hamas. Following the news Ms Wong released a short statement on X calling for a ceasefire and a hostage release. "Australia respects the independence of the ICC and its important role in upholding international law," she wrote. "We have been clear that all parties to the conflict must comply with international humanitarian law. "Civilians must be protected. Hostages must be released. Rapid, safe and unimpeded humanitarian relief must reach civilians. Aid workers must be protected to enable their lifesaving work." Soon after the ICC announcement, Dutch media cited the country's foreign minister Caspar Veldkamp saying the Netherlands would act on the arrest warrant if either Mr Netanyahu or Mr Gallant entered the country. The ICC is based in the Dutch city of The Hague. The French foreign ministry said it would act in line with ICC principles. The news from the ICC broke as the death toll in Gaza surpassed 44,000 people. "It's a huge moment of relief, feeling that we are heard and seen," Gaza political analyst Muhammad Sehahda told the ABC. "It's also a moment of vindication that Palestinians have been warning the entirety of the world for decades that they are subjected to systematic war crimes and crimes against humanity. "On the other side, we've been faced with a huge campaign of delegitimisation, smears, accusations of anti-Semitism for merely complaining and describing our daily living situation. "It's a vindicating moment for Palestinians to see that what we have been complaining about is the actual reality."

By Anna Helhoski, NerdWallet The battle to get here was certainly an uphill one, but people are generally feeling better about the economy and their finances than they once did. On top of that, the economy has been easing into an ideal, Goldilocks-like position — not running too hot or cooling too quickly. Throughout 2024, consumer sentiment data showed people were fairly positive about the economy and their own finances, even if there’s remaining frustration over elevated prices compared to four years ago. Looking ahead, households are feeling more optimistic about their personal finances in the next year, as the share of those expecting to be in a better financial situation a year from now hit its highest level since February 2020. Combine positive personal vibes with a strong economic picture and it looks like 2024 wasn’t so bad for consumers, after all. But that doesn’t mean there weren’t bumps in the road or potential roadblocks ahead. To cap off the year, NerdWallet writers reflect on the top trends in personal finance and the economy this year — and what they think might be ahead in 2025. Elizabeth Renter, NerdWallet’s economist What happened: In 2024, U.S. consumers have proven resilient following a period of high inflation and ongoing high interest rates. Wage growth has been strong, owing in part to rising productivity. This has driven robust spending throughout the year, which has kept the economy growing at a healthy pace. The labor market has remained steady, though cooler than 2023, and price growth continues to moderate towards the Federal Reserve’s 2% inflation goal. What’s ahead: Barring significant changes to economic policy and significant shocks, the U.S. economy is expected to grow at a moderate rate in the coming year. Inflation will continue to moderate and the labor market will remain relatively healthy, all due in part to continued slow and deliberate rate cuts from the Fed. However, there are risks to this path. Higher tariffs and tighter immigration policies are likely, but the extent of these changes are yet unclear. The potential policy scenarios are many, and the economic outcomes complex. Increased tariffs are generally inflationary, and stricter immigration policies could impact the labor supply and economic growth. Consumers and small business owners with their eyes to the new year should focus on the things within their control. Margarette Burnette, consumer banking and savings writer What happened: High-yield savings accounts and certificates of deposit offered elevated rates in 2024, rewarding savers with strong returns. Following the Federal Reserve rate cuts in the second half of the year, high-yield accounts had modest rate decreases, but they continued to outperform traditional savings accounts and CDs. What’s ahead: We’re watching for further Federal Reserve rate cuts, which could lead to more decreases in savings rates. Sara Rathner, credit cards writer What happened: Credit card debt levels hit record highs, with consumers turning to credit cards to pay for necessities. While the economy is doing well, many individuals have struggled to make ends meet, as incomes haven’t kept up with certain costs. What’s ahead: We may see some policy and regulation changes with the incoming administration that could affect folks when it comes to credit cards, debt and consumer protections. Ryan Brady, small business writer What happened : New businesses continued to blossom in 2024 as business applications remained well above pre-pandemic levels. Confidence in the future state of the U.S. economy also spiked after the presidential election, but that optimism was tempered by concerns over rising costs and labor quality. What’s ahead: All eyes are on the incoming administration as small-business owners brace for turbulence resulting from potential tariffs, tax policy changes and dismantled government regulations. We’re also watching the possibility of interest rate cuts in 2025 and small-business owners’ growing reliance on new technologies, such as AI. Holden Lewis, mortgages writer What happened: Home buyers struggled with elevated mortgage rates, rising house prices and a shortage of homes for sale. On top of that, a new rule required buyers to negotiate their agents’ commissions. What’s ahead: The Federal Reserve is expected to cut short-term interest rates, but mortgage rates might not necessarily fall by a similar amount. Buyers will probably have more properties to choose from, and the greater supply should keep prices from rising a lot. Interest rates on home equity loans and lines of credit should fall, making it less expensive to borrow to fix up homes — either to sell, or to make the home more comfortable and efficient. Sam Taube, investing writer What happened: The stock market had a great year. The S&P 500 is up more than 25% due to falling interest rates, fading recession fears, AI hype, and the possibility of lighter taxes and regulations under the new administration. Cryptocurrency also saw big gains in 2024; the price of Bitcoin crossed the $100,000 mark for the first time in December. What’s ahead: A lot depends on how fast the Fed reduces rates in 2025. Another key unknown is Trump’s second term. Regulatory rollbacks, such as those he has proposed for the banking industry, could juice stock prices — but they also could create systemic risks in the economy. His proposed tariffs could also hurt economic growth (and therefore stock prices). Finally, it remains to be seen whether trendy AI stocks, such as NVIDIA, can continue their momentum into next year. It’s the same story with crypto: How long will this bull market last? Caitlin Constantine, assistant assigning editor, insurance What happened: Many people saw their home and auto insurance premiums skyrocket in 2024. In some states, homeowners are finding it harder to even find policies in the first place. Meanwhile, life insurance rates have started to decrease post-pandemic. We also saw more insurers offering online-only policies that don’t require a medical exam. What’s ahead: Auto and home insurance costs will likely continue to rise, although auto premiums may not rise as dramatically as they have over the past few years. And if you’re in the market for life insurance, expect to see competitive life insurance quotes and more customizable policies. Eliza Haverstock, student loans writer What happened: Borrowers received historic student loan relief, but lawsuits derailed an income-driven repayment plan used by 8 million whose payments are indefinitely paused. Uncertainty will carry into 2025 as a result of the presidential administration change. What’s ahead: Trump has pledged to overhaul higher education and rein in student loan relief. The fate of the SAVE repayment plan, student loan forgiveness options, FAFSA processing and more remain in the balance. Meghan Coyle, assistant assigning editor, travel What happened: People are willing to pay more for big and small luxuries while traveling, and airlines and hotels are taking note. Many airlines raised checked bag fees early in 2024, credit card issuers and airlines invested in renovated airport lounges, and major hotel companies continued to add luxury properties and brands to their loyalty programs. What’s ahead: Southwest will say goodbye to its open seating policy and introduce new extra-legroom seats, a major departure for the airline. Alaska Airlines and Hawaiian Airlines will unveil a unified loyalty program in 2025. Spirit Airlines may attempt to merge with another airline again after its 2024 bankruptcy filing and two failed mergers under President Biden’s administration. Travelers will find that they’ll have to pay a premium to enjoy most of the upgrades airlines and hotels are making. Laura McMullen, assistant assigning editor, personal finance What happened: This year, dynamic pricing expanded beyond concerts and travel to online retailers and even fast-food restaurants. This practice of prices changing based on real-time supply and demand received plenty of backlash from consumers and prompted the Federal Trade Commission to investigate how companies use consumers’ data to set prices. What’s ahead: Beyond an expansion of dynamic pricing — perhaps with added oversight — expect subscription models to become more prevalent and demand for sustainable products to grow. Shannon Bradley, autos writer What happened: New-car prices held steady in 2024 but remained high after a few years of sharp increases — the average new car now sells for about $48,000, and for the first time ever the price gap between new and used cars surpassed $20,000 (average used-car prices are now slightly more than $25,000). Overall, the car market returned to being in the buyer’s favor, as new-car inventories reached pre-pandemic levels, manufacturer incentives began making a comeback and auto loan interest rates started to decline. What’s ahead: The future of the car market is uncertain and depends on policies implemented by the incoming administration. Questions surround the impact of possible tariffs on car prices, whether auto loan rates will continue to drop, and if federal tax credits will still be available for electric vehicle buyers. Jackie Veling, personal loans writer What happened: Buy now, pay later continued to be a popular payment choice for U.S. shoppers, even while facing headwinds, like an interpretive ruling from the CFPB (which determined BNPL should be regulated the same as credit cards) and Apple’s discontinuation of its popular Apple Pay Later product. Large players like Affirm, Klarna and Afterpay continued to offer interest-free, pay-in-four plans at most major retailers, along with long-term plans for larger purchases. What’s ahead: Though more regulation had been widely anticipated in 2025, the change in administration suggests the CFPB will play a less active role in regulating BNPL products. For this reason, and its continued strength in the market, BNPL will likely keep growing. Taryn Phaneuf, news writer What happened: Easing inflation was a bright spot in 2024. In June, the consumer price index fell below 3% for the first time in three years. Consumers saw prices level off or decline for many goods, including for groceries, gas and new and used vehicles. But prices haven’t fallen far enough or broadly enough to relieve the pinch many households feel. What’s ahead: The new and higher tariffs proposed by the Trump administration could reignite inflation on a wide range of goods. Taryn Phaneuf, news writer What happened: Rent prices remain high, but annual rent inflation slowed significantly compared to recent years, staying around 3.5% for much of 2024, according to Zillow, a real estate website that tracks rents. A wave of newly constructed rental units on the market seems to be helping ease competition among renters and forcing landlords to offer better incentives for signing a lease. What’s ahead: If it continues, a softening rental market could work in renters’ favor. But construction is one of several industries that could see a shortage of workers if the Trump administration follows through on its promise to deport undocumented immigrants. A shortage of workers would mean fewer houses and apartments could be built. Anna Helhoski, news writer What happened: After a contentious presidential campaign, former President Donald Trump declared victory over Vice President Kamala Harris. While on the campaign trail, Trump promised to lower inflation, cut taxes, enact tariffs, weaken the power of the Federal Reserve, deport undocumented immigrants and more. Many economists have said Trump’s proposals, if enacted, would likely be inflationary. In Congress, Republicans earned enough seats to control both houses. What’s ahead: It’s unclear which campaign promises Trump will fulfill on his own and with the support of the new Congress. He has promised a slew of “day one” actions that could lead to higher prices, including across-the-board tariffs and mass deportations. Most recently, Trump pledged to enact 20% tariffs on Canada and Mexico, as well as an additional 10% tariff on China. He has also promised to extend or make permanent the 2017 Tax Cuts and Jobs Act; many of its provisions expire by the end of 2025. Anna Helhoski, news writer What happened: Fiscal year 2023-2024’s funding saga finally came to an end in March, then six months later, the battle to fund the fiscal year 2024-2025 began. The Biden Administration waged its own war against junk fees . Antitrust enforcers pushed back against tech giants like Amazon, Apple, Google, and Meta; prevented the Kroger-Albertsons merger; nixed the Jet Blue-Spirit Airlines merger; and moved to ban noncompete agreements. The Supreme Court rejected a challenge to the constitutionality of the Consumer Financial Protection Bureau, as well as a challenge to abortion pill access. SCOTUS also overruled its landmark Chevron case, which means every federal regulatory agency’s power to set and enforce its own rules are now weaker. What’s ahead: The election’s red sweep means the GOP will control the executive and legislative branches of government. They’ll face the threat of at least one more potential government shutdown; a debt ceiling drama comeback; and the beginning of the debate over extending or making permanent provisions of the expiring 2017 Tax Cuts and Jobs Act. More From NerdWallet Anna Helhoski writes for NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. The article What Trended in Personal Finance in 2024? originally appeared on NerdWallet .

YOUNGSTOWN, Ohio (AP) — EJ Farmer's 22 points helped Youngstown State defeat Oakland 66-50 on Saturday. Farmer shot 7 for 13 (5 for 8 from 3-point range) and 3 of 3 from the free-throw line for the Penguins (5-5, 2-0 Horizon League). Nico Galette scored 11 points and added nine rebounds and six assists. Juwan Maxey and Jason Nelson both added 11 points. Allen David Mukeba Jr. led the Golden Grizzlies (3-5, 1-1) in scoring, finishing with 17 points. Tuburu Niavalurua added 12 points for Oakland. D.Q. Cole had 11 points. NEXT UP Up next for Youngstown State is a Saturday matchup with Toledo at home, and Oakland plays Michigan State on Tuesday. The Associated Press created this story using technology provided by Data Skrive and data from Sportradar .

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