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      After Floods, Soaring Insurance Rates Become a Hot Election Issue

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      Few states elect their insurance commissioners. But in North Carolina, a proposed 42 percent rate hike and Hurricane Helene have raised the stakes in the upcoming election.When Marjorie Burnside moved to the North Carolina coast several years ago after retiring as a New York City police officer, she did not know much about the candidates running for the obscure statewide offices that oversee agriculture, labor and insurance. So Ms. Burnside, a lifelong Republican, voted along party lines.She now considers many of her area’s elected Republicans responsible for rubber-stamping too many development projects. And she is furious that they have failed to tame home insurance premiums, which have soared by 75 percent. That was why she accepted an invitation to a friend’s recent beach house party for State Senator Natasha Marcus, a Democrat who is challenging the state’s Republican insurance commissioner.“She just gave me lots to think about,” Ms. Burnside, 59, said after listening to Ms. Marcus’s warnings about loopholes that hurt policyholders and rates in coastal areas that are likely to see a significant rise. “More people, more claims, more raises — it’s all connected.”Eleven states elect their insurance commissioners, an obscure but powerful job that affects virtually every resident through regulations and the ability to challenge or reject rate hikes on home, car and other policies.The contest has typically been treated as a down-ballot afterthought involving little-known candidates, with hundreds of thousands of voters leaving their ballots blank. But as housing and insurance costs have skyrocketed, particularly in areas experiencing whiplash from climate change and extreme weather, these races are becoming proxies for public frustration over pocketbook anxieties.Natasha Marcus, a Democrat running for North Carolina insurance commissioner.Cornell Watson for The New York TimesWe are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      Newsom Tacks to the Middle With California in the Spotlight

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      While Donald J. Trump has attacked California as too liberal for the nation, Gov. Gavin Newsom has vetoed several bills that could have become political fodder.For much of the past year, conservatives have considered Gov. Gavin Newsom of California a perfect symbol of liberal excess, a well-coifed coastal governor with national aspirations whose state seemed to embrace undocumented immigrants while homeless encampments proliferated on the streets.It was Mr. Newsom who was invited to debate Gov. Ron DeSantis of Florida on Fox News last November. It was Mr. Newsom whose political action committee ran ads in Republican states to criticize their policies on abortion rights.But Mr. Newsom, a business owner, often governs more from the middle than his critics acknowledge. And over the past month, as he has sifted through hundreds of bills that the heavily Democratic Legislature sent his way to sign or veto by this Monday, his decisions indicate a more centrist shift than usual.With Vice President Kamala Harris, a former senator from California, in a hotly contested race for the White House, Republicans have aimed a spotlight on her and Mr. Newsom’s home state. As such, the governor has been under pressure to make sure that California’s lawmakers don’t give them more ammunition for political attacks.The national political stakes are highMr. Newsom approved many measures that were in keeping with what most Americans would expect in California. There were big bills to address the state’s ongoing housing crisis; labor bills to protect the earnings of child influencers and the likenesses of Hollywood performers; and an outright ban on all plastic bags at retail stores.There was legislation to name the Dungeness crab as the official state crustacean, the banana slug as the official slug, and the black abalone as the official seashell. There was a bill pushed by celebrities like Woody Harrelson and Whoopi Goldberg that will allow Amsterdam-style “cannabis cafes” to open.There was a measure that will require health insurers to cover infertility treatment, including in vitro fertilization, as Democrats have attacked Republicans nationally for restricting access to fertility services.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      California Passes Law Protecting Consumer Brain Data

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      The state extended its current personal privacy law to include the neural data increasingly coveted by technology companies.On Saturday, Governor Gavin Newsom of California signed a new law that aims to protect people’s brain data from being potentially misused by neurotechnology companies.A growing number of consumer technology products promise to help address cognitive issues: apps to meditate, to improve focus and to treat mental health conditions like depression. These products monitor and record brain data, which encodes virtually everything that goes on in the mind, including thoughts, feelings and intentions.The new law, which passed both the California State Assembly and the Senate with no voter opposition, amends the state’s current personal privacy law — known as the California Consumer Privacy Act — by including “neural data” under “personal sensitive information.” This includes data generated by a user’s brain activity and the meshwork of nerves that extends to the rest of the body.“I’m very excited,” said Sen. Josh Becker, Democrat of California, who sponsored the bill. “It’s important that we be up front about protecting the privacy of neural data — a very important set of data that belongs to people.”With tens of thousands of tech startups, California is a hub for tech innovation. This includes smaller companies developing brain technologies, but Big Tech companies like Meta and Apple are also developing devices that will likely involve collecting vast troves of brain data.“The importance of protecting neural data in California cannot be understated,” Sen. Becker said.The bill extends the same level of protections to neural data that it does for other data already considered sensitive under the California Consumer Privacy Act, such as facial images, DNA and fingerprints, known as biometric information.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      Newsom Signs Bill That Adds Protections for Children on Social Media

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      The California legislation comes amid growing concerns about the impact of cellphones and social media on adolescents’ mental health.Gov. Gavin Newsom of California signed legislation on Friday aimed at protecting minors from social media addiction amid growing concerns about the impact of technology on adolescents’ mental health.The law, which will go into effect in 2027, effectively requires tech companies to make posts on feeds of minors’ social media accounts appear in chronological order as a default, rather than allowing algorithms to curate them to maximize engagement.The bill also prohibits companies from sending notifications to people under 18 during school hours, from 8 a.m. to 3 p.m. on weekdays from September through May, and during sleep hours, between midnight and 6 a.m. The default settings can be changed with the consent of a parent or guardian.“Every parent knows the harm social media addiction can inflict on their children — isolation from human contact, stress and anxiety, and endless hours wasted late into the night,” Mr. Newsom, who has four school-age children, said in a statement on Friday.The move, targeting powerful tech interests in the nation’s most populous state, is part of a nationwide effort to address concern over cellphone and social media use among adolescents. Amid reports of cyberbullying and distraction in classrooms, at least eight states, including Florida and Indiana, have already enacted restrictions on the use of cellphones in school settings. New York put in place a similar law aimed at social media addiction this year.In June, Governor Newsom also called for a ban on smartphone use in all public schools in California. Legislation now before him includes a requirement that the schools devise a policy by July 1, 2026, to limit or prohibit smartphones during the school day, though most school districts already have cellphone policies.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      How One Man’s Vote in Nebraska Could Change the Presidential Election

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      A single Republican state senator appears to be holding back a push by Donald J. Trump to net a potentially pivotal electoral vote even before ballots are cast.In Eastern Nebraska, far from the presidential battleground states, a drama is playing out that could, in a perfectly plausible November scenario, have history-altering repercussions for the nation’s future and the next president — and it may all come down to one man.A single Republican state senator from Omaha, Mike McDonnell, has so far stood firm against a push by former President Donald J. Trump, national Republicans and the Nebraska G.O.P. to change Nebraska from a state that divides its electoral votes by congressional district to one that awards all of them to the statewide winner. Maine is the only other state without a winner-take-all system.If Mr. McDonnell buckles, two other Republican senators in Nebraska’s unicameral legislature who have also not yet committed to changing Nebraska’s system are likely to follow his lead, according to a number of Republicans and Democrats involved in the discussions going on at the State Capitol.The tumbling dominoes would almost certainly give the single electoral vote of Omaha and its suburbs, which Vice President Kamala Harris is favored to win, to Mr. Trump.That might not sound like much, but if Ms. Harris were to win the so-called blue wall — Pennsylvania, Michigan and Wisconsin — while losing every other battleground state, Nevada, Arizona, Georgia and North Carolina, that one electoral vote would be the difference between a 270-268 Electoral College victory for the vice president or a 269-269 tie. And in the event of a tie, the House of Representatives would determine the winner, not by raw votes of House members but by the support of each state delegation.With more delegations in Republican control, Mr. Trump would almost certainly win.As of Friday, Mr. McDonnell, who is barred by Nebraska’s term limits law from seeking re-election, had not changed his position.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      California Gov. Newsom Signs Laws Regulating Election A.I. ‘Deepfakes’

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      The state joins dozens of others in regulating the A.I. fakery in ways that could impact this year’s presidential race.California will now require social media companies to moderate the spread of election-related impersonations powered by artificial intelligence, known as “deepfakes,” after Gov. Gavin Newsom, a Democrat, signed three new laws on the subject Tuesday.The three laws, including a first-of-its kind law that imposes a new requirement on social media platforms, largely deal with banning or labeling the deepfakes. Only one of the laws will take effect in time to affect the 2024 presidential election, but the trio could offer a road map for regulators across the country who are attempting to slow the spread of the manipulative content powered by artificial intelligence.The laws are expected to face legal challenges from social media companies or groups focusing on free speech rights.Deepfakes use A.I. tools to create lifelike images, videos or audio clips resembling actual people. Though the technology has been used to create jokes and artwork, it has also been widely adopted to supercharge scams, create non-consensual pornography and disseminate political misinformation.Elon Musk, the owner of X, has posted a deepfake to his account this year that would have run afoul of the new laws, experts said. In one video viewed millions of times, Mr. Musk posted fake audio of Vice President Kamala Harris, the Democratic nominee, calling herself the “ultimate diversity hire.”Election-Related ‘Deepfake’ LawsSeveral states have adopted or seem poised to adopt laws regulating “deepfakes” around elections. More

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      JD Vance’s Blood-and-Soil Nationalism Finds Its Target

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      If Senator JD Vance of Ohio had a moral compass, a shred of decency or a belief in anything other than his own ambition and will-to-power, he would resign his Senate seat effective immediately, leave the presidential race and retire from public life, following a mournful apology for his ethical transgressions.As it stands, Vance has done none of the above, which is why he is still, as of today, using his position in the United States Senate and on the Republican Party presidential ticket to spread lies and smears against his own constituents in Springfield — Haitian immigrants who have settled there to make a new life for themselves.The main impact of those lies and smears — which began Monday when Vance told his followers on X that “reports now show that people have had their pets abducted and eaten by people who shouldn’t be in this country,” and continued Tuesday when Donald Trump told an audience of 67 million people that “they’re eating the dogs, the people that came in, they’re eating the cats” — has been to terrorize the entire Springfield community.On Thursday, bomb threats led to the evacuation of two elementary schools, city hall and the state motor vehicle agency’s local facility. The mayor has received threats to his office, and local families fear for the safety of their children. Several Springfield residents, including Nathan Clark — father of Aiden Clark, the 11-year-old killed when his school bus was struck by a minivan driven by a Haitian immigrant — have pleaded with Trump and Vance to end their attacks and leave the community in peace.“My son was not murdered. He was accidentally killed by an immigrant from Haiti,” said Clark, rebutting a claim made by Vance. “This tragedy is felt all over this community, the state and even the nation, but don’t spin this towards hate,” he continued. “Using Aiden as a political tool is, to say the least, reprehensible for any political purpose.”This direct rebuke from a grieving father has stopped neither Vance nor Trump from spreading anti-immigrant — and specifically anti-Haitian — lies and fanning the flames of hatred. “Don’t let biased media shame you into not discussing this slow moving humanitarian crisis in a small Ohio town,” Vance said on Friday. “We should talk about it every day.”We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      Conclusiones de las elecciones estatales en el este de Alemania

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      El partido ultraderechista Alternativa para Alemania tuvo una noche muy exitosa en dos estados, a pesar de que sus capítulos estatales fueron clasificados como “extremistas” por la inteligencia alemana.[Estamos en WhatsApp. Empieza a seguirnos ahora]El partido de ultraderecha Alternativa para Alemania, o AfD, tuvo una noche muy exitosa en dos estados del este de Alemania el domingo. Casi un tercio de los electores votaron por el partido, cuyos capítulos estatales han sido clasificados como “extremistas confirmados” por la inteligencia nacional alemana.Pero aunque un partido de extrema derecha tenga tanto éxito en dos estados alemanes menos de ocho décadas después del final de la Alemania nazi es simbólicamente tenso, es probable que solo tenga un impacto limitado en la política nacional alemana. Aunque el domingo un número récord de votantes acudió a las urnas en los dos estados, solo alrededor del 7 por ciento de todos los alemanes podía votar.Tampoco se espera que la AfD encuentre aliados fácilmente. Todos los demás partidos que obtuvieron escaños en las cámaras estatales el domingo se han comprometido a no colaborar con la extrema derecha, en una estrategia que alienará aun más a los votantes de extrema derecha, pero que pretende garantizar la estabilidad democrática en el gobierno.Aun así, las elecciones tendrán efectos dominó difíciles de predecir, sobre todo en el éxito de un partido de extrema izquierda que no existía el año pasado. En Turingia, el más pequeño de los dos estados, casi la mitad de los votantes se decantaron por partidos extremistas, lo que obligará a los partidos a hacer difíciles concesiones en las próximas semanas si sus líderes quieren crear un gobierno estable y operativo.En Sajonia, donde la Unión Cristianodemócrata (CDU) obtuvo el primer puesto, las cosas son algo más sencillas, en parte porque los Verdes y los Socialdemócratas podrían conservar un papel en un gobierno minoritario.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More