North Dakota
Fargo insurance agent fined by state disputes giving kickbacks
BISMARCK — A Fargo insurance agent facing the largest fine ever imposed by the North Dakota Insurance Department says the state agency misrepresented what led to the fine.
Tyler Bjerke, a representative for Midwest Heritage Insurance and Valley Crop Insurance, has been fined $136,500 and his license to sell insurance in North Dakota has been placed on probation for four years for violating a law that limits gifts to clients and potential clients, according to the order finalizing the penalties.
The per person limit means insurance agents can give a gift of $200 to a client couple, said Insurance Department spokesperson Jacob Just.
The Insurance Department said Bjerke gave 182 pub-style tables to clients and potential clients valued at $213.95.
Bjerke doesn’t dispute the cost but contends that he originally ordered the tables from China in July 2022 at a price of $199.95 per set. He said in September 2022, he was told that the price had gone up to $213.95 due to port fees and tariffs.
He said he tried to cancel the order but would have lost a $20,000 deposit.
“I made a business decision based on $14.95 over the gift allowance and thought that no one would care about $14.95,” he said in the email. “This was $2,720.90 over the limit and I was fined $136,500, $750 per violation.”
Insurance Commissioner Jon Godfread said in a statement that licensed insurance agents aren’t allowed to give high-value gifts to consumers “because it essentially boils down to bribing clients for business.”
“Insurance should only be sold based on the competitive coverage options and premiums offered by an agent, not by those who can offer kickbacks in exchange for business,” Godfread said.
Bjerke said the pub tables were for clients with “man-caves, shops, lake homes, etc.” as a way to thank clients he considers family members.
“For the insurance commissioner to mention that gifts are kickbacks in exchange for business is a gross misrepresentation of what occurred,” Bjerke said.
The Insurance Department also found that Bjerke hosted a concert by the band Sawyer Brown in February 2023 with free admission to clients and potential clients, with the value also exceeding the $100 limit. Prosecution of that case was deferred as a condition of Bjerke’s license being placed on probation.
Bjerke said the band was booked as part of a company and client celebration after a day of training sessions that included updates from the U.S. Department of Agriculture, which administers crop insurance programs, and U.S. Sen. John Hoeven, R-N.D., a crop insurance advocate. He said there were no tickets to the event.
Bjerke said he tried multiple times to meet with the Insurance Department and complied with their request for four years of company records.
He said the Insurance Department has a vital role to play in creating an equal playing field for North Dakota insurance agents, but he said he believes his agency was targeted.
Jeff Kleven, executive director of Independent Insurance Agents of North Dakota, said these kinds of violations should be taken seriously and can hurt the reputation of the industry.
Kleven said every licensed insurance agent is aware of the rules on gifts.
“It’s part of the test,” he said.
This story was originally published on NorthDakotaMonitor.com
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North Dakota
Wheeler-Thomas scores 21 as North Dakota State knocks off Cal State Bakersfield 80-69
BAKERSFIELD, Calif. (AP) — Damari Wheeler-Thomas’ 21 points helped North Dakota State defeat Cal State Bakersfield 80-69 on Thursday.
Wheeler-Thomas had three steals for the Bison (8-3). Markhi Strickland scored 15 points while shooting 6 of 11 from the field and 3 for 6 from the free-throw line and grabbed five rebounds. Andy Stefonowicz went 4 of 7 from the field (3 for 4 from 3-point range) to finish with 13 points.
Ron Jessamy led the way for the Roadrunners (4-7) with 18 points, six rebounds, two steals and four blocks. CJ Hardy added 13 points. Jaden Alexander also recorded eight points and two steals.
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The Associated Press created this story using technology provided by Data Skrive and data from Sportradar.
North Dakota
Scientists discover ancient river-dwelling mosasaur in North Dakota
Some 66 million years ago, a city bus-sized terrifying predator prowled a prehistoric river in what is now North Dakota.
This finding is based on the analysis of a single mosasaur tooth conducted by an international team of researchers from the United States, Sweden, and the Netherlands.
The tooth came from a prognathodontine mosasaur — a reptile reaching up to 11 meters long. This makes it an apex predator on par with the largest killer whales.
It shows that massive mosasaurs successfully adapted to life in rivers right up until their extinction.
Isotope analysis
Dating from 98 to 66 million years ago, abundant mosasaur fossils have been uncovered in marine deposits across North America, Europe, and Africa.
However, these marine reptile fossils have been rarely found in North Dakota before.
In this new study, the large mosasaur tooth was unearthed in a fluvial deposit (river sediment) in North Dakota.
Its neighbors in the dirt were just as compelling: a tooth from a Tyrannosaurus rex and a crocodylian jawbone. Interestingly, all these fossilized remains came from a similar age, around 66 million years old.
This unusual gathering — sea monster, land dinosaur, and river croc — raised an intriguing question: If the mosasaur was a sea creature, how did its remains end up in an inland river?
The answer lay in the chemistry of the tooth enamel. Using advanced isotope analysis at the Vrije Universiteit in Amsterdam, the team compared the chemical composition of the mosasaur tooth with its neighbors.
The key was the ratio of oxygen isotopes.
The mosasaur teeth contained a higher proportion of the lighter oxygen isotope than is typical for mosasaurs living in saltwater. This specific isotopic signature, along with the strontium isotope ratio, strongly suggests that the mosasaur lived in a freshwater habitat.
Analysis also revealed that the mosasaur did not dive as deep as many of its marine relatives and may have fed on unusual prey, such as drowned dinosaurs.
The isotope signatures indicated that this mosasaur had inhabited this freshwater riverine environment. When we looked at two additional mosasaur teeth found nearby, slightly older sites in North Dakota, we saw similar freshwater signatures. These analyses show that mosasaurs lived in riverine environments in the final million years before going extinct,” explained Melanie During, the study author.
Transformation of the Seaway
The adaptation occurred during the final million years of the Cretaceous period.
It is hypothesized that the mosasaurs were adapting to an enormous environmental shift in the Western Interior Seaway, the vast inland sea that once divided North America.
Increased freshwater influx gradually transformed the ancient sea from saltwater to brackish water, and finally to mostly freshwater, similar to the modern Gulf of Bothnia.
The researchers hypothesize that this change led to the formation of a halocline: a structure where a lighter layer of freshwater rested atop heavier saltwater. The findings of the isotope analyses directly support this theory.
The analyzed mosasaur teeth belong to individuals who successfully adapted to the shifting environments.
This transition from marine to freshwater habitats (reverse adaptation) is considered less complex than the opposite shift and is not unique among large predators.
Modern parallels include river dolphins, which evolved from marine ancestors but now thrive in freshwater, and the estuarine crocodile, which moves freely between freshwater rivers and the open sea for hunting.
Findings were published in the journal BMC Zoology on December 11.
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