Business
Column: The Trump shooting and the glorification of guns
Much is still not known about Saturday’s shooting at a Trump rally in Pennsylvania, but it’s clear that the incident placed the stupidity and hypocrisy of America’s gun culture in high relief.
Former President Trump was nearly assassinated while addressing the rally. One spectator seated in the bleachers near him, Corey Comperatore, 50, was killed and two spectators were critically injured and are currently hospitalized. The shooter, identified by the FBI as Thomas Crooks, 20, was killed at the scene.
That the glorification of guns erupted (again) into violence at a political gathering was always a case of not if, but when. Trump and his acolytes have infused their rhetoric with violent imagery.
They endorsed the tactics of the violent mob that stormed the Capitol on Jan. 6, 2021; Trump himself promised to pardon those who have been convicted of federal crimes in connection with the insurrection.
‘Two-thirds of our [survey] participants in 2022 and three-fourths in 2023 rejected political violence as never justified — not just in general, but for one specific objective after another.’
— Garen Wintemute, director of the California Firearm Violence Research Center
Not three weeks ago I wrote about two developments that hinted, if hazily, that the long arc of our debate over guns might be trending toward rationality.
One was an “advisory” from U.S. Surgeon General Vivek Murthy identifying firearm violence as a public health crisis. The other was a Supreme Court decision upholding a ban on gun ownership by domestic abusers.
The instant reaction by the gun rights lobby to Saturday’s shooting shows that the obstacles to that trend remain powerful indeed.
Calls to tone down the rhetoric of the presidential campaign were heard from both sides of the aisle. But not proposals to ban weapons such as those reportedly carried by the shooter, much less to tighten the laws and regulations on gun sales.
Here’s an aspect of America’s relationship with guns relevant to Saturday’s shooting: The vast majority of Americans are fearful that political violence could affect the outcome of our elections. More on that in a moment.
The weapon used by the apparent shooter Saturday was a semiautomatic AR-15, law enforcement sources say. To experts in mass shootings, this was almost predictable. The AR-15 was used in 10 of the 17 deadliest mass shootings in America since 2022, according to a roster published last year by the Washington Post.
The death toll from those shootings was 207. Nevertheless, Republican members of Congress paraded around Washington last year with lapel pins bearing the weapon’s silhouette, handed out by a congressman who owned a gun shop. Among those wearing the pin was Rep. Anna Paulina Luna (R-Fla.), who was photographed with it on Feb. 1, 2023, two days after a mass shooting in her home state left 11 people wounded.
Some features of the aftermath of Saturday’s shooting are also predictable.
There will be pleas by the gun lobby not to “politicize” Saturday’s incident, as if gun control isn’t a political issue. But don’t be misled: Republicans and the right wing started politicizing the shooting within minutes.
Rep. Marjorie Taylor Greene (R-Ga.): “The Democrats and the media are to blame for every drop of blood spilled today.” Rep. Mike Collins (R-Ga.) called for Pennsylvania authorities to “immediately file charges against Joseph R. Biden for inciting an assassination.” Etc., etc. (Thanks to Kevin Drum for peering into the fever swamp and compiling the first acrid bubbles.)
As for the tone of political rhetoric, who’s responsible for its bloodthirstiness? Let’s take a look. After a violent attack at the San Francisco home of former House Speaker Nancy Pelosi seriously injured her husband, Paul, Trump lined up with a conspiracy theory that suggested that Paul Pelosi knew his attacker.
“It’s — weird things going on in that household in the last couple of weeks. … The glass it seems was broken from the inside to the out so it wasn’t a break in, it was a break out,” he said on a right-wing radio program.
The conspiracy claims have long since been debunked. The attacker, David DePape, has been sentenced to 30 years in prison on federal charges and is awaiting sentencing on five felony convictions in state court.
Appearing at the California GOP convention last year about 11 months after the attack, Trump mocked Pelosi and her family: “How’s her husband doing, anybody know?” Trump said to a jeering crowd. “And she’s against building a wall at our border, even though she has a wall around her house — which obviously didn’t do a very good job.”
During the 2016 campaign, Trump said that “maybe … 2nd Amendment people” could stop his Democratic opponent, Hillary Clinton, from being able to appoint Supreme Court judges. The 2nd Amendment covers the right to bear arms.
Republican Party policy on guns is on a one-way ratchet — toward more guns and less control. After being critically wounded by a gunman and fervant opponent of Trump who took aim at a congressional outing in 2017, Rep. Steve Scalise (R-La.), a member of the House leadership, could have taken a stand in favor of better gun control. He went in exactly the opposite direction, saying that the incident reinforced his support for gun rights.
“I was a strong supporter of the 2nd Amendment before the shooting,” he said, “and frankly, as ardent as ever after the shooting in part because I was saved by people who had guns.”
“There’s no magic bill you can file to stop people from doing evil things, whether it’s with a bomb or a knife or whatever weapon they choose,” Scalise said more than a year later.
And who can forget the Christmas card mailed out by Rep. Thomas Massie (R-Ky.) in 2021, depicting himself, his wife and five children brandishing assault weapons around the Christmas tree, under the legend, “Merry Christmas! ps. Santa, please bring ammo”?
Gun rights advocates assert that they’re only reflecting the people’s will. Nothing could be further from the truth. The Gallup poll has consistently shown a majority of respondents favoring stricter laws on gun sales over the last three decades; in 2023, the figure was 56%, with only 12% favoring less strict laws and 31% accepting the laws as they are now. Since 2000, only about 34% to 42% reported “having” a gun in their home. That’s a decline since the 1960s through the mid-’90s, when the figure reached as high as 50%.
Those latter figures may be misleading. Researchers at Northeastern and Harvard universities found that only about 28.8% of U.S. adults personally owned firearms in 2021, with an additional 10.4% living in households with guns but not personally owning them.
Research on Americans’ concerns about political violence may be more telling. That includes data assembled by the California Firearm Violence Research Center at UC Davis.
The center reported that in its annual nationwide surveys “nearly one-third of participants (32.8%) considered violence to be usually or always justified to advance at least one political objective.
But as the center’s director, Garen Wintemute, wrote in an op-ed for the Hill, that support for this notion has been concentrated in the right wing.
Among those “much more likely than others to endorse political violence” are “Republicans and MAGA-supporting Republicans in particular; those who endorse QAnon, the white supremacy movement, Christian nationalists and other extreme right-wing organizations and movements,” he wrote.
Americans overwhelmingly oppose using violence to achieve a political objective, but understand its use for self-defense or the defense of others.
(UC Davis)
Firearm owners also supported violence for political aims, “but only by a small margin, unless they owned assault-type rifles, had bought firearms during the COVID pandemic or regularly carried loaded firearms in public.”
The center’s 2023 survey added a few specifications to this list, all drawn from the sociopathic spectrum: “Racists, sexists, xenophobes, homophobes, transphobes, Islamophobes and antisemites,” Wintemute wrote.
He added these words of optimism: “Two-thirds of our participants in 2022 and three-fourths in 2023 rejected political violence as never justified — not just in general, but for one specific objective after another. Of the participants who considered violence justified in at least one instance, the vast majority (about 70% in 2022 and 60% in 2023) were unwilling to engage in it themselves. These findings provide grounds for hope and directions for a way forward.”
As Wintemute observed, silence about the implications of these findings won’t quell the potential that a political turn could be achieved by violence.
“It’s a time to mobilize,” he wrote. “The great majority of us who reject political violence need to make our opposition known, over and over and as publicly as possible. We need to create or join movements that do the same. People pay attention to what their family, friends, co-workers, social media contacts and well-known public figures say.
“Our task is to ensure that violence doesn’t determine the outcome of this year’s elections — that 2024 isn’t the year when the term ‘battleground states’ takes on a new and bloodier meaning. It begins with each of us making and acting on this commitment: Not if I can help it.”
Business
Courts rejects bid to beef up policies issued by California’s home insurer of last resort
Retired nurse Nancy Reed has been through the ringer trying to get insurance for her home next to a San Diego County nature preserve.
First, she was dropped by her longtime carrier and forced onto the state’s insurer of last resort, the California FAIR Plan, which offers basic fire policies — something thousands of residents have experienced at the hands of fire-leery insurance companies.
But what she didn’t expect was how hard it would be to find the extra coverage she needed to augment her FAIR Plan policy, which doesn’t cover common perils such as water damage or liability if someone is injured on a property.
She secured the “difference-in-conditions” policies from two insurers, only to be dropped by both before finally finding another for her Escondido home.
“I’ve lived in this house for 25 years, and I went from a very fair price to ‘we’re not insuring you anymore’ — and I’ve had three different difference-in-conditions policies,” said Reed, 71, who is paying about $2,000 for 12 months of the extra coverage. “And I’m holding my breath to see if I will be renewed next year.”
Now, a Department of Insurance regulation that would have required the FAIR plan to offer that additional coverage has been blocked by a state appeals court — leaving the plan’s customers to find that insurance in a market widely considered dysfunctional.
The court ruled earlier this month that the order would have forced the plan to offer liability insurance, which was not the intent of the Legislature when it established the plan in 1968 to offer essential insurance for those who couldn’t get it.
“We appreciate that the court confirmed the California FAIR Plan is designed and intended to operate as California’s insurer of last resort, providing basic property coverage when it cannot be obtained in the voluntary market,” said spokesperson Hilary McLean.
Insurance Commissioner Ricardo Lara said he is “looking at all available options” following the decision. “I’ve been fighting so people can have access to all of the coverage the FAIR Plan is required by law to provide,” he said in a statement.
Lara has faced criticism from consumer advocates who’ve called for his resignation over his response to the state’s ongoing property insurance crisis.
A FAIR Plan policy covers fires, lightning, smoke damage and internal explosions, as well as vandalism and some other hazards at an additional cost. But in addition to water damage and liability protection, it doesn’t cover such common perils as theft and the damage caused by trees falling on a house.
The demand for the additional coverage — commonly referred to as a “wrap-around” policy — has become even greater than in 2021 when Lara issued the order overturned on appeal.
The FAIR Plan at the time had about 160,000 active dwelling policies following a series of catastrophic wildfires, including the 2018 fire that nearly destroyed the mountain town of Paradise. By September, that number had grown to 646,000.
The insurance department lists less than two dozen companies that offer wrap-around policies, including major California home insurers such as Mercury and Farmers and a a number of smaller carriers.
Broker Dina Smith said that to find the coverage for her home insurance clients she needs to place about 90% of them with carriers not regulated by the state — with the combined coverage typically costing at least twice as much as a regular policy.
“The [market] is very limited,” said Smith, a managing director at Gallagher.
Safeco has not written California wrap-around coverage since the beginning of the year and will begin non-renewing existing policies next month. Smith also said carriers are being selective, with the ones that offer the coverage often demanding exclusions, such as for certain types of water damage.
“If I’ve got a newer home with no prior claims … for liability losses, it’s going to be easy to write. If I get a home that is built in the 1950s that might still have galvanized pipes … that’s going to be a tough one,” she said.
Attorney Amy Bach, executive director of United Policyholders, a San Francisco consumer group, said the difference-in-conditions, or DIC, market is getting just as problematic for homeowners as the overall market.
“The market is not as strong as it needs to be … given how many people are in the FAIR Plan, and there aren’t as many DIC options — with the DIC companies being just as picky as the primary insurers,” she said.
There is also confusion about the policies, she said. Her group is considering pushing for a law next year that would clearly label the coverage so consumers better understand what they are buying.
Business
Student Loan Borrowers in Default Could See Wages Garnished in Early 2026
The Trump administration will begin to garnish the pay of student loan borrowers in January, the Department of Education said Tuesday, stepping up a repayment enforcement effort that began this year.
Beginning the week of Jan. 7, roughly 1,000 borrowers who are in default will receive notices informing them of their status, according to an email from the department. The number of notices will increase on a monthly basis.
The collection activities are “conducted only after student and parent borrowers have been provided sufficient notice and opportunity to repay their loans,” according to the email, which was unsigned.
The announcement comes as many Americans are already struggling financially, and the cost of living is top of mind. The wage garnishing could compound the effects on lower-income families contending with a stressed economy, employment concerns and health care premiums that are set to rise for millions of people.
The email did not contain any details about the nature of the garnishment, such as how much would be deducted from wages, but according to the government’s student aid website, up to 15 percent of a borrower’s take-home pay can be withheld. The government typically directs employers to withhold a certain amount, similar to a payroll tax.
A borrower should be sent a notice of the government’s intent 30 days before the seizure begins, according to the website, StudentAid.gov.
The administration ended a five-year reprieve on student loan repayments in May, paving the way for forced collections — meaning tax refunds and other federal payments, like Social Security, could be withheld and applied toward debt payments.
That move ushered in the end of pandemic-era relief that began in March 2020, when payments were paused. More than 9 percent of total student debt reported between July and September was more than 90 days delinquent or in default, according to the Federal Reserve Bank of New York. In April, only one-third of the 38 million Americans who owed money for college or graduate school and should have been making payments actually were, according to government data.
“It’s going to be more painful as you move down the income distribution,” said Michael Roberts, a professor of finance at the Wharton School at the University of Pennsylvania. But, he added, borrowers have to contend with the fact that they did take out money, even as government policies allowed many to put the loans at the back of their minds.
After several extensions by the Biden administration, payments resumed in October 2023, but borrowers were not penalized for defaulting until last year. About five million borrowers are in default, and millions more are expected to be close to missing payments.
The government had signaled this year that it would send notices that could lead to the garnishing of a portion of a borrower’s paycheck. Being in collections and in default can damage credit scores.
The government garnished wages before the pandemic pause, said Betsy Mayotte, president of the Institute of Student Loan Advisors, which provides free advice for borrowers. But the 2020 collections pause was the first she was aware of, she said, and that may make the deductions more shocking for people who have not had to pay for years.
“There’s a lot of defaulted borrowers that think that there was a mistake made somewhere along the line, or the Department of Education forgot about them,” Ms. Mayotte said. “I think this is going to catch a lot of them off guard.”
The first day after a missed payment, a loan becomes delinquent. After a certain amount of time in delinquency, usually 270 days, the loan is considered in default — the kind of loan determines the time period. If someone defaults on a federal student loan, the entire balance becomes due immediately. Then the loan holder can begin collections, including on wages.
But there are options to reorganize the defaulted loans, including consolidation or rehabilitation, which requires making a certain number of consecutive payments determined by the holder.
Often, people who default on debt owe the smallest amounts, said Constantine Yannelis, an economics professor at the University of Cambridge who researches U.S. student loans.
“They’re often dropouts or they went to two-year, for-profit colleges, and people who spent many, many years in schools, like doctors or lawyers, have very low default rates,” he said.
This year, millions of borrowers saw their credit scores drop after the pause on penalties was lifted. If someone does not earn an income, the government can take the person to court. But, practically speaking, a borrower’s credit score will plummet.
Dr. Yannelis added that a common reason people default was that they were not aware of the repayment options. There are plans that allow borrowers to pay 10 percent of their income rather than having 15 percent garnished, for example.
The whiplash policy changes around the time of the pandemic were “a terrible thing from a borrower-welfare perspective,” Dr. Yannelis said. “Policy uncertainty is really terrible for borrowers.”
Business
Kevin Costner’s western ‘Horizon’ faces more claims of unpaid fees
In the midst of attempting to complete filming on his western anthology ”Horizon: An American Saga,” Kevin Costner is facing another legal dispute over the production.
On Monday, Western Costume Co. sued Costner and the production companies behind the epic western, claiming unpaid costume fees and damages to some of the clothing during the filming of the series’ second episode.
“The costumes are costly to replace if damaged or not returned,” states the complaint, which included copies of invoices for about $134,000 in costume rentals. “Without a reasonable basis for doing so and/or with reckless regard to the consequences, defendants failed to pay for the rented costumes and failed to return the costumes undamaged.”
Western Costume, the iconic business based in North Hollywood, is seeking to recover roughly $440,000, including legal fees, according to the lawsuit filed Monday in Los Angeles Superior Court.
A spokesperson for Costner did not immediately respond to a request for comment.
The lawsuit is the latest in a series of legal and financial problems that have dogged the sprawling western drama, which Costner directed, co-wrote, starred in and partially funded.
In May, United Costume Corp., sued the production, claiming $350,000 in unpaid fees for the first two chapters of “Horizon.” Two months later, the costume firm filed to dismiss the suit with prejudice.
In May, Devyn LaBella, a stunt performer on “Chapter 2,” sued the production for sexual discrimination, harassment and retaliation in Los Angeles Superior Court. LaBella alleged an unscripted rape scene was filmed without the presence of a contractually mandated intimacy coordinator.
In a motion filed in August to get the suit tossed, Costner said he had reviewed LaBella’s complaint and was “shocked at the false and misleading allegations she was making.”
In October, a Los Angeles Superior Court judge denied Costner’s anti-SLAPP motion to dismiss the case. The judge also denied LaBella’s claim that Costner had interfered with her civil rights through the use of intimidation or coercion with respect to her participation in the filming of a rape scene, but allowed several of her other claims to proceed.
The case is pending.
The production is also facing an arbitration claim for alleged breaches in its co-financing agreement with its distributor New Line Cinema and City National Bank, “Horizon” bondholder, according to the Hollywood Reporter.
In June 2024, “Chapter 1” of the planned four-part series was released in theaters followed by a streaming broadcast on HBO Max, but it was largely panned by critics.
In its review, The Times described “Horizon” as “a massive boondoggle, a misguided and excruciatingly tedious cinematic experience.”
It failed at the box office, grossing just $38.8 million worldwide, on a reported $100 million budget.
“Chapter 2” premiered at the Venice International Film Festival last September, but its theatrical release was pulled and remains indefinitely delayed, while the final two chapters remain in production or development, according to IMDb.
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