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Guy Carpenter to Research Parametric Solutions in California, Florida

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Guy Carpenter to Research Parametric Solutions in California, Florida


Guy Carpenter said it is starting a research project to explore the use of parametric insurance solutions in California and Florida for wildfire and hurricane risks.

The effort will focus on the use of a “community-based parametric reciprocal exchange,” the reinsurance broker said.

“Insurance plays a critical role in recovery from natural disasters, but many households and small businesses do not have sufficient coverage to fund repair and rebuilding due to affordability of products, limited risk awareness, or behavioral biases in decision making,” said Guillermo Franco, global head of cat risk research at Guy Carpenter, a part of Marsh McLennan. “Community-based catastrophe insurance programs like parametric reciprocal exchanges, may constitute an innovative way to help close this protection gap in the US and speed up payments to aid recovery, which will enhance the financial resilience of communities.”

The research will be conducted in collaboration with Guy Carpenter’s Parametric Advisory and Public Sector teams, the Institute of Environment at Florida International University, the Climate Adaptation Center in Sarasota, the Center for Coastal Climate Resilience at UC Santa Cruz, and the University of Michigan. The goal, according to Guy Carpenter, is to gauge the regulatory environment for parametric reciprocal exchanges, identify best practices in communicating the value of such a model, and engage with local communities to establish the foundations for larger scale research and pilot projects.

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This research project dovetails with Guy Carpenter’s larger work in advocating for community-based catastrophe insurance (CBCI), a concept it developed in partnership with the Wharton Risk Management and Decision Processes Center and Marsh McLennan.

Source: Guy Carpenter

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Florida investigating AI role in mass shooting at university

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Florida investigating AI role in mass shooting at university


Florida on Tuesday announced a criminal probe into whether artificial intelligence played a role in a deadly mass shooting at a university in the US state.

The decision to launch an investigation came after prosecutors reviewed exchanges between OpenAI chatbot ChatGPT and the suspected gunman, who opened fire at Florida State University last year, according to state Attorney General James Uthmeier.

“If ChatGPT were a person, it would be facing charges for murder,” Uthmeier said.

Florida law allows anyone who assists or counsels someone in the commission of a crime to be treated as an “aider and abettor” bearing the same responsibility as the perpetrator, according to Uthmeier.

In exchanges with ChatGPT, the accused shooter sought advice on what type of gun and ammunition to use, as well as where and when on campus a lot of people would likely be found, the state attorney general said during a press briefing.

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“Last year’s mass shooting at Florida State University was a tragedy, but ChatGPT is not responsible for this terrible crime,” an OpenAI spokesperson said.



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Florida wildfire strands Amtrak passengers for over 24 hours

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Florida wildfire strands Amtrak passengers for over 24 hours


A massive wildfire in Putnam County in northern Florida left Amtrak passengers stranded on a train for more than 24 hours.

One train heading to New York City was forced to turn around, arriving back in Miami Monday night, including one passenger who said he had been on that train for about 38 hours.

He says he and other passengers were left uncertain about what was going on.

“Angry, confused, uncertain, in the dark,” said John Reardon.

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Reardon, who lives in New York City, says he boarded the train around 7 a.m. Sunday to go back home. He said around 3 p.m. Sunday, the train stopped near Jacksonville.

“Finally, after about 5 hours, they said we’re not going to New York, we’re going back to Miami,” Reardon said. “One stop at a time.”

Amtrak said for the safety of its passengers, the train couldn’t continue going north because of the fire.

“Amtrak sends a notification to the phone saying, ‘Hey, there’s an issue with the wildfire, it’s too close to the railway,’” said passenger Katrinia Wheeler.

Multiple crews are battling multiple fires in two Florida counties, leaving at least 3,000 acres burned. 

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“I saw that there was a lot of smoke coming from the woods, and then I saw the fire trucks and emergency services,” Wheeler said.

The train that left Miami at 7 a.m. on Sunday returned around 9 p.m. on Monday, leaving passengers frustrated.

Amtrak corporate says they made the decision out of safety for their customers and said customers would receive full refunds and vouchers.



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Florida Lottery Fantasy 5, Cash Pop results for April 19, 2026

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Florida Lottery Fantasy 5, Cash Pop results for April 19, 2026


The Florida Lottery offers several draw games for those hoping to win one of the available jackpots.

Here’s a look at the winning numbers for games played on Sunday, April 19, 2026.

Winning Fantasy 5 numbers from April 19 drawing

Midday: 06-09-19-34-35

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Evening: 08-09-12-25-31

Check Fantasy 5 payouts and previous drawings here.

Winning Cash Pop numbers from April 19 drawing

Morning: 03

Matinee: 08

Afternoon: 04

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Evening: 01

Late Night: 07

Check Cash Pop payouts and previous drawings here.

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Powerball, Mega Millions jackpots: What to know in case you win

Here’s what to know in case you win the Powerball or Mega Millions jackpot.

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Just the FAQs, USA TODAY

Winning Pick 2 numbers from April 19 drawing

Midday: 4-0, FB: 3

Evening: 0-6, FB: 6

Check Pick 2 payouts and previous drawings here.

Winning Pick 3 numbers from April 19 drawing

Midday: 2-9-1, FB: 3

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Evening: 3-7-0, FB: 6

Check Pick 3 payouts and previous drawings here.

Winning Pick 4 numbers from April 19 drawing

Midday: 9-7-8-0, FB: 3

Evening: 3-6-7-8, FB: 6

Check Pick 4 payouts and previous drawings here.

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Winning Pick 5 numbers from April 19 drawing

Midday: 3-9-3-5-1, FB: 3

Evening: 1-3-1-8-7, FB: 6

Check Pick 5 payouts and previous drawings here.

Where can you buy Florida Lottery tickets?

Tickets can be purchased in person at any authorized retailer throughout Florida, including gas stations, convenience stores and grocery stores. To find a retailer near you, go to Find Florida Lottery Retailers.

Feeling lucky? Explore the latest lottery news & results

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Are you a winner? Here’s how to claim your prize

  • Prizes of $599 or less: Claim at any authorized Florida Lottery retailer or Florida Lottery district office.
  • Prizes for $600 to $1 million: Must be claimed in person at any Florida Lottery district office for games that do not offer an annual payment option.
  • Prizes greater than $1 million and all prizes with an annual payment option: Must be claimed at Florida Lottery headquarters, except Mega Millions and Powerball prizes, which can be claimed at any Florida Lottery district office.

You also can claim your winnings by mail if the prize is $250,000 or less. Mail your ticket to the Florida Lottery with the required documentation.

Florida law requires public disclosure of winners

If you’re a winner, Florida law mandates the following information is public record:

  • Full name
  • City of residence
  • Game won
  • Date won
  • Amount won
  • Name and location of the retailer where the winning ticket was purchased.

When are the Florida Lottery drawings held?

  • Powerball: 10:59 p.m. Monday, Wednesday and Saturday.
  • Mega Millions: 11 p.m. Tuesday and Friday.
  • Florida Lotto: 11:15 p.m. Wednesday and Saturday.
  • Jackpot Triple Play: 11:15 p.m. Tuesday and Friday.
  • Fantasy 5: Daily at 1:05 p.m. and 11:15 p.m.
  • Cash Pop: Daily at 8:45 a.m., 11:45 a.m., 2:45 p.m., 6:45 p.m. and 11:45 p.m.
  • Pick 2, 3, 4, 5: Daily at 1:30 p.m. and 9:45 p.m.

This results page was generated automatically using information from TinBu and a template written and reviewed by a Florida digital producer. You can send feedback using this form.



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