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"content": "\u003cp>Recently, business has been exceptionally slow for Erica Mighetto, who drives for Uber and Lyft in San Francisco. Even so, she’s still out there looking for passengers, and has taken steps to prepare for whatever rides do come along.\u003c/p>\n\u003cp>When she stops to pick me up in Glen Park earlier this week, Mighetto immediately rolls down the window before I get into her car and asks if I want her to put on a surgical mask.\u003c/p>\n\u003cp>Mighetto’s car is immaculate. There’s a lingering whiff of bleach from the disinfectant she has been religiously rubbing on the surfaces between passengers. Up front, behind the gear shift, she has a stack of pink surgical masks, which she said she received from a doctor at a hospital, who suggested she hand them out to any coughing passengers.\u003c/p>\n\u003cp>Late last week, she received messages from both Lyft and Uber telling her to keep her car clean and to stock up on hand sanitizer, which she found most stores had sold out of. A few days later, Lyft said it was providing sanitizer to drivers.\u003c/p>\n\u003cfigure id=\"attachment_11806430\" class=\"wp-caption alignnone\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2020/03/RS41943_006_KQED_Oakland_RideHail_03102020_6658-qut.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11806430\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/03/RS41943_006_KQED_Oakland_RideHail_03102020_6658-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41943_006_KQED_Oakland_RideHail_03102020_6658-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41943_006_KQED_Oakland_RideHail_03102020_6658-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41943_006_KQED_Oakland_RideHail_03102020_6658-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41943_006_KQED_Oakland_RideHail_03102020_6658-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Ride-hail driver Erica Mighetto disinfects the door handles of her car between rides. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>The hospital doctor Mighetto consulted with said she should use a mask as well, but she remains hesitant to wear one when picking up passengers, concerned it will freak them out. Everyone is already on edge, she says.\u003c/p>\n\u003cp>Mighetto is scared, too. She doesn’t want to be on the road driving, which she thinks could be particularly dangerous for her.\u003c/p>\n\u003cp>“I have a heart condition called supraventricular tachycardia,” she tells me. “Ten years ago I had surgery, and I haven’t been monitored since then. I don’t have a primary care practitioner or a cardiologist.”\u003c/p>\n\u003cp>“It’s really nerve-wracking to be out here driving people around,” she adds.\u003c/p>\n\u003cp>But coronavirus fears aside, Mighetto has little choice but to continue driving this month; she needs the money.\u003c/p>\n\u003cp>[pullquote size='medium' align='right' citation=\"Erica Mighetto, ride-hail driver\"]‘I just have no choice whatsoever. I am running myself into financial despair.’[/pullquote]\u003c/p>\n\u003cp>Now in her late 30s, Mighetto used to work as an accountant in Sacramento. Driving for a ride-hailing service was never part of her game plan.\u003c/p>\n\u003cp>Mighetto hasn’t had a steady job since working at a property management firm three years ago. She says it started as a bookkeeping gig, but increasingly involved hounding tenants for money and issuing eviction notices. She started feeling sick about the work and eventually quit, she says, and took up driving for Lyft while looking for something more permanent. She never imagined she’d be working behind the wheel for this long.\u003c/p>\n\u003cp>Four months ago, Mighetto says her landlord kicked out all the tenants in her apartment building, offering a small buyout. Since then, she’s been staying on friends’ couches and renting rooms in hostels while searching for a permanent residence.\u003c/p>\n\u003cp>Right now, Mighetto is driving as many hours as she can with the hope of scraping together enough money for a new apartment. But it’s an uphill battle. Between her car payments and credit cards, she is $18,000 in debt. Sometimes, to save money after a night shift, she folds down her backseat, pulls out a pillow she keeps tucked in the spare tire cavity and sleeps in her car.\u003c/p>\n\u003cp>This is not the life Mighetto envisioned when she left her last job.\u003c/p>\n\u003cfigure id=\"attachment_11806429\" class=\"wp-caption alignnone\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2020/03/RS41942_005_KQED_Oakland_RideHail_03102020_-qut.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11806429\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/03/RS41942_005_KQED_Oakland_RideHail_03102020_-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41942_005_KQED_Oakland_RideHail_03102020_-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41942_005_KQED_Oakland_RideHail_03102020_-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41942_005_KQED_Oakland_RideHail_03102020_-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41942_005_KQED_Oakland_RideHail_03102020_-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Erica Mighetto on the job in Oakland. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“You just get sucked into it,” she says. “The bills stack up and the credit card debt mounts and you have to get that clutch and you have to get that battery and you go from a paycheck-to-paycheck basis to a cash-out-to-cash-out basis.”\u003c/p>\n\u003cp>Mighetto says she has an automatic phone payment coming up in two days that she currently doesn’t have enough money to cover, and she just received an email from her credit card company about an outstanding bill.\u003c/p>\n\u003cp>“I just have no choice whatsoever. I am running myself into financial despair,” she says, noting that the coronavirus has only made the situation tougher.\u003c/p>\n\u003cp>[aside label=\"related coverage\" tag=\"coronavirus\"]Earlier this week, Lyft and Uber \u003ca href=\"https://www.mercurynews.com/2020/03/09/uber-lyft-to-offer-paid-sick-leave-to-any-coronavirus-infected-driver/\">both announced\u003c/a> plans to provide up to 14 days of sick leave for their drivers, but only if they’ve been “diagnosed with the coronavirus” or have been ordered to self-quarantine. Neither company has stated how much drivers can get compensated. And because both companies are continuing to classify their drivers as contractors, none are guaranteed minimum wage, regardless of drops in ridership.\u003c/p>\n\u003cp>There are as many as 2.5 million Lyft and Uber drivers in the U.S., most of whom do not receive any paid time off. But this predicament is certainly not unique to gig workers, says Elise Gould, an economist with the left-leaning Economic Policy Institute, pointing to wider economic trends.\u003c/p>\n\u003cp>The U.S. is one of the only industrialized countries in the world that doesn’t require paid sick leave (South Korea is the other), and a huge contingent of U.S. workers don’t have adequate access to paid time off or the capability to work from home, Gould says. The less workers make, she notes, the greater the chance they lack these benefits.\u003c/p>\n\u003cp>To drive her point home, Gould points to \u003ca href=\"https://www.epi.org/publication/work-sick-or-lose-pay-the-high-cost-of-being-sick-when-you-dont-get-paid-sick-days/\">several data sets\u003c/a> based on figures from the federal Bureau of Labor Statistics showing that about 30% of all private sector workers in the U.S. have no access to paid sick days and only about 4% of workers have access to more than 14 paid sick days. Meanwhile, almost everyone in the top 10% has access to paid time off, while less than a third of the bottom 10% do.\u003c/p>\n\u003cp>“When you are thinking about the workers who are living paycheck-to-paycheck,” Gould says, “those are the ones least likely to work from home or have those paid sick days.” When a pandemic hits and consumption slows down, these workers are on the front lines of the economic shockwave, she notes.\u003c/p>\n\u003cp>The coronavirus is exposing this disparity of privilege between workers across the country, and the contrast is particularly stark in the Bay Area. Companies like Google and Facebook have told their office employees to work for home or take paid time off if they’re feeling sick. Lyft told its office employees to do the same. But if its drivers want to make money, they have no choice but to go out on the road whether or not they are afraid of getting sick or think they may be already.\u003c/p>\n\u003cp>And like many service workers without access to paid leave, gig drivers often go to work sick.\u003c/p>\n\u003cfigure id=\"attachment_11806431\" class=\"wp-caption alignnone\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2020/03/RS41936_006_KQED_Alameda_EdanAlva_03102020_-qut.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11806431\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/03/RS41936_006_KQED_Alameda_EdanAlva_03102020_-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41936_006_KQED_Alameda_EdanAlva_03102020_-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41936_006_KQED_Alameda_EdanAlva_03102020_-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41936_006_KQED_Alameda_EdanAlva_03102020_-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41936_006_KQED_Alameda_EdanAlva_03102020_-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Lyft driver Edan Alva in Alameda on March 10, 2020. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Just over a month ago, Uber driver Edan Alva was exhibiting flu-like symptoms. And while he tried to “power through” at first, he says he eventually had to take time off, unpaid.\u003c/p>\n\u003cp>“I stayed at home for nearly a week to recover,” Alva says, “which put me financially into a very bad situation.” He says he doesn’t need the coronavirus to underscore how precarious his financial situation is without paid time off.\u003c/p>\n\u003cp>“This is just one more illustration of why drivers should organize and unionize and directly negotiate with Lyft,” he says.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Both Lyft and Uber recently \u003ca href=\"https://www.uber.com/us/en/coronavirus/?_ga=2.36026087.699844506.1584045286-297668926.1584045286#drivers\">posted details\u003c/a> on their ongoing response to the coronavirus outbreak. Uber says it has already helped drivers in affected areas with its drivers fund, although it does not provide details on how many it’s supporting, or how much compensation they’ve received.\u003c/p>\n\u003cp>In the meantime, Erica Mighetto worries she’s going to run out of options.\u003c/p>\n\u003cp>“When people ask how you’re doing it always makes me cry because I appreciate the concern,” she says. “It’s lonely and it’s terrible and I made a promise to myself to at least acknowledge the people on the side of the road asking for money because I’m scared I could be that person.”\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Recently, business has been exceptionally slow for Erica Mighetto, who drives for Uber and Lyft in San Francisco. Even so, she’s still out there looking for passengers, and has taken steps to prepare for whatever rides do come along.\u003c/p>\n\u003cp>When she stops to pick me up in Glen Park earlier this week, Mighetto immediately rolls down the window before I get into her car and asks if I want her to put on a surgical mask.\u003c/p>\n\u003cp>Mighetto’s car is immaculate. There’s a lingering whiff of bleach from the disinfectant she has been religiously rubbing on the surfaces between passengers. Up front, behind the gear shift, she has a stack of pink surgical masks, which she said she received from a doctor at a hospital, who suggested she hand them out to any coughing passengers.\u003c/p>\n\u003cp>Late last week, she received messages from both Lyft and Uber telling her to keep her car clean and to stock up on hand sanitizer, which she found most stores had sold out of. A few days later, Lyft said it was providing sanitizer to drivers.\u003c/p>\n\u003cfigure id=\"attachment_11806430\" class=\"wp-caption alignnone\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2020/03/RS41943_006_KQED_Oakland_RideHail_03102020_6658-qut.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11806430\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/03/RS41943_006_KQED_Oakland_RideHail_03102020_6658-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41943_006_KQED_Oakland_RideHail_03102020_6658-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41943_006_KQED_Oakland_RideHail_03102020_6658-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41943_006_KQED_Oakland_RideHail_03102020_6658-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41943_006_KQED_Oakland_RideHail_03102020_6658-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Ride-hail driver Erica Mighetto disinfects the door handles of her car between rides. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>The hospital doctor Mighetto consulted with said she should use a mask as well, but she remains hesitant to wear one when picking up passengers, concerned it will freak them out. Everyone is already on edge, she says.\u003c/p>\n\u003cp>Mighetto is scared, too. She doesn’t want to be on the road driving, which she thinks could be particularly dangerous for her.\u003c/p>\n\u003cp>“I have a heart condition called supraventricular tachycardia,” she tells me. “Ten years ago I had surgery, and I haven’t been monitored since then. I don’t have a primary care practitioner or a cardiologist.”\u003c/p>\n\u003cp>“It’s really nerve-wracking to be out here driving people around,” she adds.\u003c/p>\n\u003cp>But coronavirus fears aside, Mighetto has little choice but to continue driving this month; she needs the money.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Now in her late 30s, Mighetto used to work as an accountant in Sacramento. Driving for a ride-hailing service was never part of her game plan.\u003c/p>\n\u003cp>Mighetto hasn’t had a steady job since working at a property management firm three years ago. She says it started as a bookkeeping gig, but increasingly involved hounding tenants for money and issuing eviction notices. She started feeling sick about the work and eventually quit, she says, and took up driving for Lyft while looking for something more permanent. She never imagined she’d be working behind the wheel for this long.\u003c/p>\n\u003cp>Four months ago, Mighetto says her landlord kicked out all the tenants in her apartment building, offering a small buyout. Since then, she’s been staying on friends’ couches and renting rooms in hostels while searching for a permanent residence.\u003c/p>\n\u003cp>Right now, Mighetto is driving as many hours as she can with the hope of scraping together enough money for a new apartment. But it’s an uphill battle. Between her car payments and credit cards, she is $18,000 in debt. Sometimes, to save money after a night shift, she folds down her backseat, pulls out a pillow she keeps tucked in the spare tire cavity and sleeps in her car.\u003c/p>\n\u003cp>This is not the life Mighetto envisioned when she left her last job.\u003c/p>\n\u003cfigure id=\"attachment_11806429\" class=\"wp-caption alignnone\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2020/03/RS41942_005_KQED_Oakland_RideHail_03102020_-qut.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11806429\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/03/RS41942_005_KQED_Oakland_RideHail_03102020_-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41942_005_KQED_Oakland_RideHail_03102020_-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41942_005_KQED_Oakland_RideHail_03102020_-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41942_005_KQED_Oakland_RideHail_03102020_-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41942_005_KQED_Oakland_RideHail_03102020_-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Erica Mighetto on the job in Oakland. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“You just get sucked into it,” she says. “The bills stack up and the credit card debt mounts and you have to get that clutch and you have to get that battery and you go from a paycheck-to-paycheck basis to a cash-out-to-cash-out basis.”\u003c/p>\n\u003cp>Mighetto says she has an automatic phone payment coming up in two days that she currently doesn’t have enough money to cover, and she just received an email from her credit card company about an outstanding bill.\u003c/p>\n\u003cp>“I just have no choice whatsoever. I am running myself into financial despair,” she says, noting that the coronavirus has only made the situation tougher.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>Earlier this week, Lyft and Uber \u003ca href=\"https://www.mercurynews.com/2020/03/09/uber-lyft-to-offer-paid-sick-leave-to-any-coronavirus-infected-driver/\">both announced\u003c/a> plans to provide up to 14 days of sick leave for their drivers, but only if they’ve been “diagnosed with the coronavirus” or have been ordered to self-quarantine. Neither company has stated how much drivers can get compensated. And because both companies are continuing to classify their drivers as contractors, none are guaranteed minimum wage, regardless of drops in ridership.\u003c/p>\n\u003cp>There are as many as 2.5 million Lyft and Uber drivers in the U.S., most of whom do not receive any paid time off. But this predicament is certainly not unique to gig workers, says Elise Gould, an economist with the left-leaning Economic Policy Institute, pointing to wider economic trends.\u003c/p>\n\u003cp>The U.S. is one of the only industrialized countries in the world that doesn’t require paid sick leave (South Korea is the other), and a huge contingent of U.S. workers don’t have adequate access to paid time off or the capability to work from home, Gould says. The less workers make, she notes, the greater the chance they lack these benefits.\u003c/p>\n\u003cp>To drive her point home, Gould points to \u003ca href=\"https://www.epi.org/publication/work-sick-or-lose-pay-the-high-cost-of-being-sick-when-you-dont-get-paid-sick-days/\">several data sets\u003c/a> based on figures from the federal Bureau of Labor Statistics showing that about 30% of all private sector workers in the U.S. have no access to paid sick days and only about 4% of workers have access to more than 14 paid sick days. Meanwhile, almost everyone in the top 10% has access to paid time off, while less than a third of the bottom 10% do.\u003c/p>\n\u003cp>“When you are thinking about the workers who are living paycheck-to-paycheck,” Gould says, “those are the ones least likely to work from home or have those paid sick days.” When a pandemic hits and consumption slows down, these workers are on the front lines of the economic shockwave, she notes.\u003c/p>\n\u003cp>The coronavirus is exposing this disparity of privilege between workers across the country, and the contrast is particularly stark in the Bay Area. Companies like Google and Facebook have told their office employees to work for home or take paid time off if they’re feeling sick. Lyft told its office employees to do the same. But if its drivers want to make money, they have no choice but to go out on the road whether or not they are afraid of getting sick or think they may be already.\u003c/p>\n\u003cp>And like many service workers without access to paid leave, gig drivers often go to work sick.\u003c/p>\n\u003cfigure id=\"attachment_11806431\" class=\"wp-caption alignnone\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2020/03/RS41936_006_KQED_Alameda_EdanAlva_03102020_-qut.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11806431\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/03/RS41936_006_KQED_Alameda_EdanAlva_03102020_-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41936_006_KQED_Alameda_EdanAlva_03102020_-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41936_006_KQED_Alameda_EdanAlva_03102020_-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41936_006_KQED_Alameda_EdanAlva_03102020_-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41936_006_KQED_Alameda_EdanAlva_03102020_-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Lyft driver Edan Alva in Alameda on March 10, 2020. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Just over a month ago, Uber driver Edan Alva was exhibiting flu-like symptoms. And while he tried to “power through” at first, he says he eventually had to take time off, unpaid.\u003c/p>\n\u003cp>“I stayed at home for nearly a week to recover,” Alva says, “which put me financially into a very bad situation.” He says he doesn’t need the coronavirus to underscore how precarious his financial situation is without paid time off.\u003c/p>\n\u003cp>“This is just one more illustration of why drivers should organize and unionize and directly negotiate with Lyft,” he says.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Both Lyft and Uber recently \u003ca href=\"https://www.uber.com/us/en/coronavirus/?_ga=2.36026087.699844506.1584045286-297668926.1584045286#drivers\">posted details\u003c/a> on their ongoing response to the coronavirus outbreak. Uber says it has already helped drivers in affected areas with its drivers fund, although it does not provide details on how many it’s supporting, or how much compensation they’ve received.\u003c/p>\n\u003cp>In the meantime, Erica Mighetto worries she’s going to run out of options.\u003c/p>\n\u003cp>“When people ask how you’re doing it always makes me cry because I appreciate the concern,” she says. “It’s lonely and it’s terrible and I made a promise to myself to at least acknowledge the people on the side of the road asking for money because I’m scared I could be that person.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>The coronavirus outbreak continues to impact local economies throughout the Bay Area. \u003c/p>\n\u003cp>On a recent Tuesday, the streets in San Francisco’s Financial District were nearly empty. As part of the effort to stem further spread of the virus, officials are advising employers to encourage employees to work from home.\u003c/p>\n\u003cp>Small businesses, especially those that rely on office workers to patronize their shops, have been hit particularly hard.\u003c/p>\n\u003cp>[aside label=\"More Coverage\" tag=\"coronavirus\"]\u003c/p>\n\u003cp>Faheem Salemi, manager of Working Girls’ Cafe on Mission Street, said business is down about 60%. \u003c/p>\n\u003cp>Salemi said his family had owned the cafe and two others in San Francisco for 22 years. \u003c/p>\n\u003cp>During that time, he had seen ups and downs in the economy — he remembered closing abruptly on the morning of 9/11. But he said that was nothing compared to what he sees now.\u003c/p>\n\u003cp>“The dot-com crash and the 2008 financial meltdown, those were gradual things, and we saw things were happening,” Salemi said. “But this is a complete stop. Nothing. You don’t know what to do.”\u003c/p>\n\u003cp>Salemi said he has five employees at the Mission Street location. About a month ago, he considered hiring one more person, but he held off. Now he’s considering reducing staffing to a holiday schedule level — about two to three employees.\u003c/p>\n\u003cp>“I don’t want to take that measure yet,” he said. “Because I want to wait another week, see what’s up. I want to absorb the costs. If this thing continues, I have to take that measure.”\u003c/p>\n\u003cp>The San Francisco Board of Supervisors are proposing legislation aimed at lessening financial impacts for both workers and small business owners. \u003c/p>\n\u003cp>These measures include a temporary moratorium on evictions and creating a new category of paid sick leave. \u003c/p>\n\u003cp>“Workers in our city are worried,” said Supervisor Gordon Mar during a press conference about the proposals Tuesday. “They’re worried about their next rent check, their next phone bill and whether they’ll be able to take time off to care for their child. No one should have to choose between their health and their job.”\u003c/p>\n\u003cp>There are also proposals to suspend bank foreclosures and to create interest-free loans for small businesses. \u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Faheem Salemi, manager of Working Girls’ Cafe on Mission Street, said business is down about 60%. \u003c/p>\n\u003cp>Salemi said his family had owned the cafe and two others in San Francisco for 22 years. \u003c/p>\n\u003cp>During that time, he had seen ups and downs in the economy — he remembered closing abruptly on the morning of 9/11. But he said that was nothing compared to what he sees now.\u003c/p>\n\u003cp>“The dot-com crash and the 2008 financial meltdown, those were gradual things, and we saw things were happening,” Salemi said. “But this is a complete stop. Nothing. You don’t know what to do.”\u003c/p>\n\u003cp>Salemi said he has five employees at the Mission Street location. About a month ago, he considered hiring one more person, but he held off. Now he’s considering reducing staffing to a holiday schedule level — about two to three employees.\u003c/p>\n\u003cp>“I don’t want to take that measure yet,” he said. “Because I want to wait another week, see what’s up. I want to absorb the costs. If this thing continues, I have to take that measure.”\u003c/p>\n\u003cp>The San Francisco Board of Supervisors are proposing legislation aimed at lessening financial impacts for both workers and small business owners. \u003c/p>\n\u003cp>These measures include a temporary moratorium on evictions and creating a new category of paid sick leave. \u003c/p>\n\u003cp>“Workers in our city are worried,” said Supervisor Gordon Mar during a press conference about the proposals Tuesday. “They’re worried about their next rent check, their next phone bill and whether they’ll be able to take time off to care for their child. No one should have to choose between their health and their job.”\u003c/p>\n\u003cp>There are also proposals to suspend bank foreclosures and to create interest-free loans for small businesses. \u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>The kitchen staff at \u003ca href=\"https://www.google.com/url?q=http://www.leftcoastcatering.com&sa=D&ust=1583898946366000&usg=AFQjCNGO_R8h1xtRWeVmVOUqnZTZFf7rIQ\">Left Coast Catering\u003c/a>, a small San Francisco food preparer, had been busily cooking for a large Blue Cross Blue Shield (BCBS) conference at the Yerba Buena Center for the Arts, scheduled for last week.\u003c/p>\n\u003cp>But just days before the start of the conference, as coronavirus fears intensified, BCBS canceled the event, leaving business owner Laurine Wickett stuck with $7,000 worth of \u003ca href=\"https://www.lexico.com/definition/crudites\">crudités\u003c/a> in her commercial fridges. She ended up donating the unused food to a local nonprofit that delivers food to local shelters and food pantries.\u003c/p>\n\u003cp>[pullquote size='medium' align='right' citation=\"Laurine Wickett, Left Coast Catering\"]‘I don’t see any new inquiries coming in because of this fear, so there’s basically nothing in the pipeline for the next foreseeable future.’[/pullquote]\u003c/p>\n\u003cp>In fact, Wickett has been fielding cancellation calls all week. In her 25 years on the job, she said she’s never seen business drop so fast.\u003c/p>\n\u003cp>“I don’t see any new inquiries coming in because of this fear, so there’s basically nothing in the pipeline for the next foreseeable future.” she said. “I’m looking at almost five to six months that I’m going to have to get myself through. And we’re just going to have to get our team down to bare bones.”\u003c/p>\n\u003cp>Wickett said she has managed to weather major economic slowdowns, like the dot-com bubble crash of the early 2000s and the Great Recession, when there were still always plenty of weddings and bar mitzvahs to work.\u003c/p>\n\u003cp>“But this is completely different, where people are panicking and we’re dealing with fear,” she said. “And you really can’t measure or predict this.”\u003c/p>\n\u003cp>Wickett is hardly alone. Businesses across the Bay Area are just beginning to feel the pain, as a host of events and conferences throughout the region are being canceled or rescheduled in an effort to prevent the spread of the coronavirus.\u003c/p>\n\u003cp>There have been 10 large conference cancellations at San Francisco’s Moscone Center, including \u003ca href=\"https://events.google.com/io/\">Google I/O\u003c/a>, the \u003ca href=\"https://developers.facebook.com/blog/post/2020/02/27/important-f8-2020-update/\">Facebook Developer Conference\u003c/a> and the \u003ca href=\"https://www.gdconf.com/news/important-gdc-2020-update\">Game Developers Conference (GDC)\u003c/a>. Some events, like GDC, have recently announced plans to proceed online — good news for attendees, but little consolation to vendors.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The canceled events at Moscone alone amount to nearly $179 million in lost revenue, according to the venue.\u003c/p>\n\u003cp>Every year, spending on meetings and conventions in San Francisco amounts to almost $2 billion, roughly 19% of total tourism spending in the city, according to the San Francisco Travel Association. In other words, an ongoing surge in cancellations would significantly impact the economy of the city and the region.\u003c/p>\n\u003cp>And related losses aren’t likely to be covered by insurance, say insurance brokers and risk analysts like Gisele Norris with the firm Aon.\u003c/p>\n\u003cp>“It’s something insurers would say, ‘If we cover that, it’ll bankrupt us.’ Because everyone is going to have that loss at the same time,” Norris said.\u003c/p>\n\u003cp>[aside label=\"related coverage\" tag=\"coronavirus\"]Norris said the coronavirus outbreak is affecting the world economy much differently than other recent health scares, like H1N1 or the Zika virus, because it’s impacting more people in the United States and other wealthy nations.\u003c/p>\n\u003cp>While businesses can purchase insurance that covers event cancellations due to communicable diseases, like the coronavirus — and many did just that after the H1N1 scare in 2009 — any policies that were opened within the last month are likely to specifically exclude COVID-19 instances.\u003c/p>\n\u003cp>And among insurance policies that do include communicable diseases, most only cover losses if an event was explicitly canceled by order of public health officials, rather than at the discretion of the event organizers.\u003c/p>\n\u003cp>But even in light of those potential losses, Norris said, a growing number of event organizers see cancellation as the most prudent option, both in terms of safety and financial security.\u003c/p>\n\u003cp>“Event organizers may be concerned about their own liability should their venue be a breeding ground for infectious disease,” Norris said.\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>The kitchen staff at \u003ca href=\"https://www.google.com/url?q=http://www.leftcoastcatering.com&sa=D&ust=1583898946366000&usg=AFQjCNGO_R8h1xtRWeVmVOUqnZTZFf7rIQ\">Left Coast Catering\u003c/a>, a small San Francisco food preparer, had been busily cooking for a large Blue Cross Blue Shield (BCBS) conference at the Yerba Buena Center for the Arts, scheduled for last week.\u003c/p>\n\u003cp>But just days before the start of the conference, as coronavirus fears intensified, BCBS canceled the event, leaving business owner Laurine Wickett stuck with $7,000 worth of \u003ca href=\"https://www.lexico.com/definition/crudites\">crudités\u003c/a> in her commercial fridges. She ended up donating the unused food to a local nonprofit that delivers food to local shelters and food pantries.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>In fact, Wickett has been fielding cancellation calls all week. In her 25 years on the job, she said she’s never seen business drop so fast.\u003c/p>\n\u003cp>“I don’t see any new inquiries coming in because of this fear, so there’s basically nothing in the pipeline for the next foreseeable future.” she said. “I’m looking at almost five to six months that I’m going to have to get myself through. And we’re just going to have to get our team down to bare bones.”\u003c/p>\n\u003cp>Wickett said she has managed to weather major economic slowdowns, like the dot-com bubble crash of the early 2000s and the Great Recession, when there were still always plenty of weddings and bar mitzvahs to work.\u003c/p>\n\u003cp>“But this is completely different, where people are panicking and we’re dealing with fear,” she said. “And you really can’t measure or predict this.”\u003c/p>\n\u003cp>Wickett is hardly alone. Businesses across the Bay Area are just beginning to feel the pain, as a host of events and conferences throughout the region are being canceled or rescheduled in an effort to prevent the spread of the coronavirus.\u003c/p>\n\u003cp>There have been 10 large conference cancellations at San Francisco’s Moscone Center, including \u003ca href=\"https://events.google.com/io/\">Google I/O\u003c/a>, the \u003ca href=\"https://developers.facebook.com/blog/post/2020/02/27/important-f8-2020-update/\">Facebook Developer Conference\u003c/a> and the \u003ca href=\"https://www.gdconf.com/news/important-gdc-2020-update\">Game Developers Conference (GDC)\u003c/a>. Some events, like GDC, have recently announced plans to proceed online — good news for attendees, but little consolation to vendors.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The canceled events at Moscone alone amount to nearly $179 million in lost revenue, according to the venue.\u003c/p>\n\u003cp>Every year, spending on meetings and conventions in San Francisco amounts to almost $2 billion, roughly 19% of total tourism spending in the city, according to the San Francisco Travel Association. In other words, an ongoing surge in cancellations would significantly impact the economy of the city and the region.\u003c/p>\n\u003cp>And related losses aren’t likely to be covered by insurance, say insurance brokers and risk analysts like Gisele Norris with the firm Aon.\u003c/p>\n\u003cp>“It’s something insurers would say, ‘If we cover that, it’ll bankrupt us.’ Because everyone is going to have that loss at the same time,” Norris said.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>Norris said the coronavirus outbreak is affecting the world economy much differently than other recent health scares, like H1N1 or the Zika virus, because it’s impacting more people in the United States and other wealthy nations.\u003c/p>\n\u003cp>While businesses can purchase insurance that covers event cancellations due to communicable diseases, like the coronavirus — and many did just that after the H1N1 scare in 2009 — any policies that were opened within the last month are likely to specifically exclude COVID-19 instances.\u003c/p>\n\u003cp>And among insurance policies that do include communicable diseases, most only cover losses if an event was explicitly canceled by order of public health officials, rather than at the discretion of the event organizers.\u003c/p>\n\u003cp>But even in light of those potential losses, Norris said, a growing number of event organizers see cancellation as the most prudent option, both in terms of safety and financial security.\u003c/p>\n\u003cp>“Event organizers may be concerned about their own liability should their venue be a breeding ground for infectious disease,” Norris said.\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>",
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"content": "\u003cp>[Updated March 10, 4:00pm]\u003c/p>\n\u003cp>Due to concerns about the coronavirus, the \u003ca href=\"https://www.coachella.com/\" rel=\"noopener noreferrer\" target=\"_blank\">Coachella\u003c/a> music festival will move to two weekends in October, festival officials confirmed. Coachella’s new dates are Oct. 9–11 and Oct. 16–18.\u003c/p>\n\u003cp>The postponement of Coachella, California’s largest music festival, was originally leaked by booking agents and managers who received calls from festival organizers to confirm artists’ availability for the new dates. The official announcement came Tuesday afternoon from \u003ca href=\"https://www.goldenvoice.com/#/\" rel=\"noopener noreferrer\" target=\"_blank\">Goldenvoice\u003c/a>, which presents Coachella each year. [aside postid=\"science_1957877\"]\u003c/p>\n\u003cp>Speculation about Coachella being canceled or postponed due to the coronavirus ramped up on Monday, when three cases of coronavirus were found in Riverside County, where Coachella is held. Last Friday, officials in Austin \u003ca href=\"https://www.kqed.org/arts/13876121/is-coachella-next-canceled-ultra-festival-sxsw-has-fans-worried-about-coronavirus\" rel=\"noopener noreferrer\" target=\"_blank\">canceled this year’s South by Southwest festival\u003c/a>, citing public health concerns. Just days prior, organizers also canceled the Ultra music festival in Miami. \u003c/p>\n\u003cp>Both festivals draw over 100,000 people, roughly the per-day attendance at Coachella. \u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>According to \u003ca href=\"https://www.billboard.com/articles/business/touring/9330145/coachella-stagecoach-move-festivals-october\" rel=\"noopener noreferrer\" target=\"_blank\">Billboard\u003c/a>, organizers on Monday speaking with county officials “hope[d] to know within the next 48 hours if the move is possible.”\u003c/p>\n\u003cp>Meanwhile, Goldenvoice’s Stagecoach festival, which, like Coachella, is also held at the polo grounds in Indio, is postponed and rescheduled to October as well.\u003c/p>\n\u003cp>Though October is generally hotter in temperature than April, it isn’t unprecedented to hold a festival in the month at the Coachella grounds. In 2016, Coachella organizers in October presented Desert Trip, a three-day festival marketed to the baby boomer generation featuring the Rolling Stones, the Who, Bob Dylan, Neil Young, Roger Waters and Paul McCartney. The first-ever Coachella, in 1999, was also held in October. \u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Meanwhile, those flying to Coachella are scrambling for airfare transfers. As \u003ca href=\"https://www.vox.com/the-goods/2020/3/5/21166359/us-airlines-coronavirus-cancel-flights-waiving-fees\" rel=\"noopener noreferrer\" target=\"_blank\">reported by Vox\u003c/a>, several airlines are waiving some cancelation fees and change-of-travel fees. American, Alaska, United, Delta and JetBlue have all made adjustments for the coronavirus. However, as Vox notes, those waivers are subject to limited terms and conditions, and the time of the ticket’s purchase, which may affect Coachella attendees. \u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>[Updated March 10, 4:00pm]\u003c/p>\n\u003cp>Due to concerns about the coronavirus, the \u003ca href=\"https://www.coachella.com/\" rel=\"noopener noreferrer\" target=\"_blank\">Coachella\u003c/a> music festival will move to two weekends in October, festival officials confirmed. Coachella’s new dates are Oct. 9–11 and Oct. 16–18.\u003c/p>\n\u003cp>The postponement of Coachella, California’s largest music festival, was originally leaked by booking agents and managers who received calls from festival organizers to confirm artists’ availability for the new dates. The official announcement came Tuesday afternoon from \u003ca href=\"https://www.goldenvoice.com/#/\" rel=\"noopener noreferrer\" target=\"_blank\">Goldenvoice\u003c/a>, which presents Coachella each year. \u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Speculation about Coachella being canceled or postponed due to the coronavirus ramped up on Monday, when three cases of coronavirus were found in Riverside County, where Coachella is held. Last Friday, officials in Austin \u003ca href=\"https://www.kqed.org/arts/13876121/is-coachella-next-canceled-ultra-festival-sxsw-has-fans-worried-about-coronavirus\" rel=\"noopener noreferrer\" target=\"_blank\">canceled this year’s South by Southwest festival\u003c/a>, citing public health concerns. Just days prior, organizers also canceled the Ultra music festival in Miami. \u003c/p>\n\u003cp>Both festivals draw over 100,000 people, roughly the per-day attendance at Coachella. \u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>According to \u003ca href=\"https://www.billboard.com/articles/business/touring/9330145/coachella-stagecoach-move-festivals-october\" rel=\"noopener noreferrer\" target=\"_blank\">Billboard\u003c/a>, organizers on Monday speaking with county officials “hope[d] to know within the next 48 hours if the move is possible.”\u003c/p>\n\u003cp>Meanwhile, Goldenvoice’s Stagecoach festival, which, like Coachella, is also held at the polo grounds in Indio, is postponed and rescheduled to October as well.\u003c/p>\n\u003cp>Though October is generally hotter in temperature than April, it isn’t unprecedented to hold a festival in the month at the Coachella grounds. In 2016, Coachella organizers in October presented Desert Trip, a three-day festival marketed to the baby boomer generation featuring the Rolling Stones, the Who, Bob Dylan, Neil Young, Roger Waters and Paul McCartney. The first-ever Coachella, in 1999, was also held in October. \u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Meanwhile, those flying to Coachella are scrambling for airfare transfers. As \u003ca href=\"https://www.vox.com/the-goods/2020/3/5/21166359/us-airlines-coronavirus-cancel-flights-waiving-fees\" rel=\"noopener noreferrer\" target=\"_blank\">reported by Vox\u003c/a>, several airlines are waiving some cancelation fees and change-of-travel fees. American, Alaska, United, Delta and JetBlue have all made adjustments for the coronavirus. However, as Vox notes, those waivers are subject to limited terms and conditions, and the time of the ticket’s purchase, which may affect Coachella attendees. \u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "Wells Fargo Officials Resign Days Before They Were Set to Testify Before Congress",
"title": "Wells Fargo Officials Resign Days Before They Were Set to Testify Before Congress",
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"content": "\u003cp>Two Wells Fargo board members have resigned, including Chairwoman Elizabeth Duke, the bank announced Monday. The departures come days after a House committee report found the bank has been too slow to reform itself in the wake of a series of scandals — including widespread fraud in the consumer banking business tied to overly aggressive sales goals.\u003c/p>\n\u003cp>Duke, who is known to many as Betsy, was elected chair of the bank's board effective January 2018. She had previously served as vice chair between October 2016 and December 2017. Wells Fargo said her resignation and that of another board member, James Quigley, \u003ca href=\"https://www.businesswire.com/news/home/20200309005376/en/Elizabeth-A.-Duke-James-H.-Quigley-Resign\">were effective Sunday\u003c/a>.\u003c/p>\n\u003cp>Wells Fargo has \u003ca href=\"https://www.npr.org/series/508986161/investigating-the-wells-fargo-scandal\">endured a cascade of scandals\u003c/a> in recent years. The bank last month agreed to \u003ca href=\"https://www.npr.org/2020/02/21/808205303/wells-fargo-paying-3-billion-to-settle-u-s-case-over-illegal-sales-practices\">pay $3 billion\u003c/a> to settle charges of collection fees for bank accounts, credit cards and other products worth millions from customers who didn't need or request the services. [aside tag=\"wells-fargo\" label=\"more coverage\"]\u003c/p>\n\u003cp>In 2016, the bank was order to pay \u003ca href=\"https://www.npr.org/sections/thetwo-way/2016/09/08/493130449/wells-fargo-to-pay-around-190-million-over-fake-accounts-that-sparked-bonuses\">$185 million in fines and penalties\u003c/a> after investigators found Wells Fargo employees opened as many as 2 million unauthorized accounts without customer authorization. The following year Wells Fargo announced that an outside review uncovered an \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/08/31/547550804/wells-fargo-admits-to-nearly-twice-as-many-possible-fake-accounts-3-5-million\">additional 1.4 million potentially bogus accounts\u003c/a>, bringing the total to 3.5 million.\u003c/p>\n\u003cp>Both Quigley and Duke were scheduled to appear before the House Financial Services Committee on Wednesday. It wasn't immediately clear if they are still expected to testify. Last week, Democrats on that committee released an \u003ca href=\"https://financialservices.house.gov/uploadedfiles/wells_fargo_staff_report_final_mm.pdf\">investigative report\u003c/a> called \"The Real Wells Fargo: Board & Management Failures, Consumer Abuses and Ineffective Regulatory Oversight.\"\u003c/p>\n\u003cp>According to the report's executive summary, Wells Fargo was slow to \"correct serious deficiencies in its infrastructure for managing risks to consumers.\"\u003c/p>\n\u003cp>It continues: \"As a result, Wells Fargo's customers have been exposed to countless abuses, including racial discrimination, wrongful foreclosure, illegal vehicle repossession, and fraudulently opened accounts.\"\u003c/p>\n\u003cp>The report also highlighted a 2017 remark from Duke in which she appeared to raise questions about why she was being included on messages from the Consumer Financial Protection Bureau requesting that Wells Fargo take certain actions to improve bank operations.\u003c/p>\n\u003cp>\"Why are you sending it to me, the board, rather than the department manager?\" asked Duke, who was then vice chair of the bank's board, according to the House report.\u003c/p>\n\u003cp>In a joint statement, Duke and Quigley said they were stepping down from their posts to \"avoid distraction\" and allow \u003ca href=\"https://newsroom.wf.com/press-release/corporate-and-financial/wells-fargo-names-charles-w-scharf-chief-executive-officer\">Charles Scharf\u003c/a>, who was named CEO and president of Wells Fargo in September, the \"ability to turn the page.\"\u003c/p>\n\u003cp>\"Out of continued loyalty to Wells Fargo and ongoing commitment to serve our customers and employees, we recommended to our colleagues on the Board that we step down from our leadership roles and they have accepted our resignation from the Board. We believe that our decision will facilitate the bank's and the new CEO's ability to turn the page and avoid distraction that could impede the bank's future progress,\" Duke and Quigley said in the statement. [ad fullwidth]\u003c/p>\n\u003cp>Republicans on the House Financial Services Committee issued \u003ca href=\"https://republicans-financialservices.house.gov/uploadedfiles/republican_staff_report_on_wells_fargo.pdf\">their own report\u003c/a> on Wells Fargo last week. While the committee's minority found the bank failed to \"implement an enterprise-wide risk management framework,\" it also placed some blame on federal regulators, who it says were \"slow to take action that could have prevented further consumer abuses by Wells Fargo.\"\u003c/p>\n\u003cp>The report added that Scharf's stated emphasis on complying with regulators \"above all else gives the bank its best chance to move beyond the sales practices scandal and other consumer abuses that have plagued the bank for nearly 20 years.\"\u003c/p>\n\u003cp>House Financial Services Chairwoman Rep. Maxine Waters, D-California, had previously called for both Quigley and Duke to resign, adding they had \"failed in their responsibilities,\" \u003ca href=\"https://thehill.com/policy/finance/486119-waters-calls-for-resignation-of-two-wells-fargo-directors-floats-criminal\">The Hill\u003c/a> reported last week.\u003c/p>\n\u003cp>It's unclear if the Wednesday hearing, titled \"Holding Wells Fargo Accountable,\" will continue as previously planned now that both Duke and Quigley no longer hold their positions.\u003c/p>\n\u003cp>Scharf, the CEO, is expected to testify before the committee on Tuesday.\u003c/p>\n\u003cp>\u003cstrong>\u003cem>Editors note:\u003c/em>\u003c/strong>\u003cem> Wells Fargo has been a corporate sponsor of NPR. \u003c/em>\u003c/p>\n\u003cdiv class=\"fullattribution\">Copyright 2020 NPR. To see more, visit https://www.npr.org.\u003cimg src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=Wells+Fargo+Officials+Resign+Days+Before+They+Were+Set+To+Testify+Before+Congress&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/div>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Two Wells Fargo board members have resigned, including Chairwoman Elizabeth Duke, the bank announced Monday. The departures come days after a House committee report found the bank has been too slow to reform itself in the wake of a series of scandals — including widespread fraud in the consumer banking business tied to overly aggressive sales goals.\u003c/p>\n\u003cp>Duke, who is known to many as Betsy, was elected chair of the bank's board effective January 2018. She had previously served as vice chair between October 2016 and December 2017. Wells Fargo said her resignation and that of another board member, James Quigley, \u003ca href=\"https://www.businesswire.com/news/home/20200309005376/en/Elizabeth-A.-Duke-James-H.-Quigley-Resign\">were effective Sunday\u003c/a>.\u003c/p>\n\u003cp>Wells Fargo has \u003ca href=\"https://www.npr.org/series/508986161/investigating-the-wells-fargo-scandal\">endured a cascade of scandals\u003c/a> in recent years. The bank last month agreed to \u003ca href=\"https://www.npr.org/2020/02/21/808205303/wells-fargo-paying-3-billion-to-settle-u-s-case-over-illegal-sales-practices\">pay $3 billion\u003c/a> to settle charges of collection fees for bank accounts, credit cards and other products worth millions from customers who didn't need or request the services. \u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>In 2016, the bank was order to pay \u003ca href=\"https://www.npr.org/sections/thetwo-way/2016/09/08/493130449/wells-fargo-to-pay-around-190-million-over-fake-accounts-that-sparked-bonuses\">$185 million in fines and penalties\u003c/a> after investigators found Wells Fargo employees opened as many as 2 million unauthorized accounts without customer authorization. The following year Wells Fargo announced that an outside review uncovered an \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/08/31/547550804/wells-fargo-admits-to-nearly-twice-as-many-possible-fake-accounts-3-5-million\">additional 1.4 million potentially bogus accounts\u003c/a>, bringing the total to 3.5 million.\u003c/p>\n\u003cp>Both Quigley and Duke were scheduled to appear before the House Financial Services Committee on Wednesday. It wasn't immediately clear if they are still expected to testify. Last week, Democrats on that committee released an \u003ca href=\"https://financialservices.house.gov/uploadedfiles/wells_fargo_staff_report_final_mm.pdf\">investigative report\u003c/a> called \"The Real Wells Fargo: Board & Management Failures, Consumer Abuses and Ineffective Regulatory Oversight.\"\u003c/p>\n\u003cp>According to the report's executive summary, Wells Fargo was slow to \"correct serious deficiencies in its infrastructure for managing risks to consumers.\"\u003c/p>\n\u003cp>It continues: \"As a result, Wells Fargo's customers have been exposed to countless abuses, including racial discrimination, wrongful foreclosure, illegal vehicle repossession, and fraudulently opened accounts.\"\u003c/p>\n\u003cp>The report also highlighted a 2017 remark from Duke in which she appeared to raise questions about why she was being included on messages from the Consumer Financial Protection Bureau requesting that Wells Fargo take certain actions to improve bank operations.\u003c/p>\n\u003cp>\"Why are you sending it to me, the board, rather than the department manager?\" asked Duke, who was then vice chair of the bank's board, according to the House report.\u003c/p>\n\u003cp>In a joint statement, Duke and Quigley said they were stepping down from their posts to \"avoid distraction\" and allow \u003ca href=\"https://newsroom.wf.com/press-release/corporate-and-financial/wells-fargo-names-charles-w-scharf-chief-executive-officer\">Charles Scharf\u003c/a>, who was named CEO and president of Wells Fargo in September, the \"ability to turn the page.\"\u003c/p>\n\u003cp>\"Out of continued loyalty to Wells Fargo and ongoing commitment to serve our customers and employees, we recommended to our colleagues on the Board that we step down from our leadership roles and they have accepted our resignation from the Board. We believe that our decision will facilitate the bank's and the new CEO's ability to turn the page and avoid distraction that could impede the bank's future progress,\" Duke and Quigley said in the statement. \u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Republicans on the House Financial Services Committee issued \u003ca href=\"https://republicans-financialservices.house.gov/uploadedfiles/republican_staff_report_on_wells_fargo.pdf\">their own report\u003c/a> on Wells Fargo last week. While the committee's minority found the bank failed to \"implement an enterprise-wide risk management framework,\" it also placed some blame on federal regulators, who it says were \"slow to take action that could have prevented further consumer abuses by Wells Fargo.\"\u003c/p>\n\u003cp>The report added that Scharf's stated emphasis on complying with regulators \"above all else gives the bank its best chance to move beyond the sales practices scandal and other consumer abuses that have plagued the bank for nearly 20 years.\"\u003c/p>\n\u003cp>House Financial Services Chairwoman Rep. Maxine Waters, D-California, had previously called for both Quigley and Duke to resign, adding they had \"failed in their responsibilities,\" \u003ca href=\"https://thehill.com/policy/finance/486119-waters-calls-for-resignation-of-two-wells-fargo-directors-floats-criminal\">The Hill\u003c/a> reported last week.\u003c/p>\n\u003cp>It's unclear if the Wednesday hearing, titled \"Holding Wells Fargo Accountable,\" will continue as previously planned now that both Duke and Quigley no longer hold their positions.\u003c/p>\n\u003cp>Scharf, the CEO, is expected to testify before the committee on Tuesday.\u003c/p>\n\u003cp>\u003cstrong>\u003cem>Editors note:\u003c/em>\u003c/strong>\u003cem> Wells Fargo has been a corporate sponsor of NPR. \u003c/em>\u003c/p>\n\u003cdiv class=\"fullattribution\">Copyright 2020 NPR. To see more, visit https://www.npr.org.\u003cimg src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=Wells+Fargo+Officials+Resign+Days+Before+They+Were+Set+To+Testify+Before+Congress&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/div>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>",
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"content": "\u003cp>Students across the University of California system are demanding the reinstatement of UC Santa Cruz graduate students who were fired last week after withholding grades as part of a campaign to demand better wages.\u003c/p>\n\u003cp>On Thursday, hundreds of students gathered at UC Berkeley’s Sproul Plaza to rally support for staging a strike of their own, while students at the other UC campuses held picket lines and rallies.\u003c/p>\n\u003cp>“Cops off campus! COLA in my bank account!” students chanted, referring to cost of living adjustments, as they listened to speeches by UC Berkeley student-workers and visiting students from UC Santa Cruz.\u003c/p>\n\u003cp>Graduate students at the departments of African American studies, ethnic studies and anthropology have declared themselves strike-ready. Once at least 10 departments across the UC Berkeley campus have signed on as strike-ready, many graduate students say they will meet to determine the next steps.\u003c/p>\n\u003cp>In early February, UC Santa Cruz students launched a wildcat strike, so-called because the union representing graduate student-workers across the many campuses has not yet voted to officially authorize a strike.\u003c/p>\n\u003cp>After 54 of the striking students were terminated on Feb. 28, representatives of their union said it had \u003ca href=\"http://uaw2865.org/uc-student-worker-union-files-unfair-labor-practice-charge-against-the-university/\" target=\"_blank\" rel=\"noopener noreferrer\">filed an unfair labor practice charge against the University of California\u003c/a>. The union has also asked university officials to reopen negotiations on the contract, something the administration has previously said it would not do.\u003c/p>\n\u003cp>The bargaining team of UAW 2865, representing over 19,000 academic workers in the UC system, said in a March 3 statement that the union will hold an “Unfair Labor Practice Strike Authorization Vote” in early April. This could lead to a broader UC-wide strike.\u003c/p>\n\u003cp>For Jonathan Moore, a second-year doctoral student in the department of African American Studies, and many other students, it’s about the broader education system.\u003c/p>\n\u003cp>“The students at Santa Cruz have envisioned a long-haul transformation of the UC system that starts with ensuring that all graduate students are provided adequate wages to survive and to thrive in the absolutely appalling housing markets that so many UC’s are located in,” he said.\u003c/p>\n\u003cp>“It means a lot to me that graduate students in my department took it upon themselves to push the envelope here at Berkeley and respond to the demands of the students at Santa Cruz,” Moore said. “It is in alignment with our department’s history of demanding that the institution be held accountable, but also imagining beyond the confines of the university.”\u003c/p>\n\u003cfigure id=\"attachment_11805498\" class=\"wp-caption alignnone\" style=\"max-width: 1440px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11805498 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/03/RS41900_Lauren_Zane-qut-e1583450062479.jpg\" alt=\"\" width=\"1440\" height=\"1920\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41900_Lauren_Zane-qut-e1583450062479.jpg 1440w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41900_Lauren_Zane-qut-e1583450062479-160x213.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41900_Lauren_Zane-qut-e1583450062479-800x1067.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41900_Lauren_Zane-qut-e1583450062479-1020x1360.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41900_Lauren_Zane-qut-e1583450062479-1122x1496.jpg 1122w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41900_Lauren_Zane-qut-e1583450062479-840x1120.jpg 840w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41900_Lauren_Zane-qut-e1583450062479-687x916.jpg 687w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41900_Lauren_Zane-qut-e1583450062479-414x552.jpg 414w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41900_Lauren_Zane-qut-e1583450062479-354x472.jpg 354w\" sizes=\"auto, (max-width: 1440px) 100vw, 1440px\">\u003cfigcaption class=\"wp-caption-text\">Lauren Zane, a third-year undergraduate student came out to support graduate student instructors. \u003ccite>(Lakshmi Sarah/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Lucy Gill, a Ph.D. candidate in the department of anthropology, addressed the audience, saying, “The UC administration is in fact directly complicit in the exorbitant rent and gentrification within and beyond the Bay Area.”\u003c/p>\n\u003cp>Angela Castillo, an international student and fellow Ph.D. candidate in the department of anthropology, also addressed the crowd. She said she is ready to go on strike, but reminded attendees of the reason for the rally.\u003c/p>\n\u003cp>“We are standing here in solidarity with our colleagues at UC Santa Cruz, whose contracts on spring appointments were terminated by the UC,” Castillo said.\u003c/p>\n\u003cp>[aside tag=\"graduate-student-strike\" label=\"Related Coverage\"]\u003c/p>\n\u003cp>Lauren Zane, a third-year undergraduate student in the department of integrated biology and molecular and cell biology held a sign reading “My GSIs [Graduate Student Instructor] deserve a livable wage.”\u003c/p>\n\u003cp>It’s important because many undergraduate classes are large, as Zane said, and without graduate student instructors “we wouldn’t be able to learn as well as we do.”\u003c/p>\n\u003cp>Zane has had graduate students who go above and beyond for students — planning field trips, offering additional office hours. “It’s not fair that they don’t have a livable wage,” she said.\u003c/p>\n\u003cp>UC Berkeley spokesman Dan Mogulof said he could not give an estimate of how many graduate students didn’t come to work on Thursday.\u003c/p>\n\u003cfigure id=\"attachment_11805496\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11805496\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/03/Sign1-RS41886_IMG_2121-qut-800x600.jpg\" alt='\"We think it works on multiple levels,\" said Virginia Georgallas (center). She and Haden Smiley (left) are both graduate students in the music department.' width=\"800\" height=\"600\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/Sign1-RS41886_IMG_2121-qut-800x600.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/Sign1-RS41886_IMG_2121-qut-160x120.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/Sign1-RS41886_IMG_2121-qut-1020x765.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/Sign1-RS41886_IMG_2121-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/Sign1-RS41886_IMG_2121-qut-1832x1374.jpg 1832w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/Sign1-RS41886_IMG_2121-qut-1376x1032.jpg 1376w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/Sign1-RS41886_IMG_2121-qut-1044x783.jpg 1044w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/Sign1-RS41886_IMG_2121-qut-632x474.jpg 632w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/Sign1-RS41886_IMG_2121-qut-536x402.jpg 536w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">“We think it works on multiple levels,” said Virginia Georgallas (center). She and Haden Smiley (left) are both graduate students in the music department. \u003ccite>(Lakshmi Sarah/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Haden Smiley and Virginia Georgallas, both graduate students in the music department came and held signs, but their department is still in discussion on whether to declare themselves strike-ready. Many graduate students in the music department are on F-1 (student) visas, which makes it further complicated to take collective action.\u003c/p>\n\u003cp>Students from neighboring Mills College joined.\u003c/p>\n\u003cp>“Even though we’re not part of the UC system, we came out for solidarity,” said Lee Jue, a Mills College student.\u003c/p>\n\u003cp>https://twitter.com/neoliteralism/status/1235699412120162306?s=20\u003c/p>\n\u003cp>Students at several other UC campuses reportedly canceled or walked out of classes for the day.\u003c/p>\n\u003cp>Will Parrish, a Ph.D. student in history of consciousness at UC Santa Cruz and organizer with \u003ca href=\"https://payusmoreucsc.com/\" target=\"_blank\" rel=\"noopener noreferrer\">Pay Us More UCSC\u003c/a>, said 600 people attended the rally at UCLA, while the crowd was 1,000 strong at UC Berkeley, and 2,000 at UC Santa Barbara. According to Parrish, about 500 people participated in Thursday’s campus shutdown at UC Santa Cruz.\u003c/p>\n\u003cp>https://twitter.com/kv_swartz/status/1235665164470386688?s=20\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Students across the University of California system are demanding the reinstatement of UC Santa Cruz graduate students who were fired last week after withholding grades as part of a campaign to demand better wages.\u003c/p>\n\u003cp>On Thursday, hundreds of students gathered at UC Berkeley’s Sproul Plaza to rally support for staging a strike of their own, while students at the other UC campuses held picket lines and rallies.\u003c/p>\n\u003cp>“Cops off campus! COLA in my bank account!” students chanted, referring to cost of living adjustments, as they listened to speeches by UC Berkeley student-workers and visiting students from UC Santa Cruz.\u003c/p>\n\u003cp>Graduate students at the departments of African American studies, ethnic studies and anthropology have declared themselves strike-ready. Once at least 10 departments across the UC Berkeley campus have signed on as strike-ready, many graduate students say they will meet to determine the next steps.\u003c/p>\n\u003cp>In early February, UC Santa Cruz students launched a wildcat strike, so-called because the union representing graduate student-workers across the many campuses has not yet voted to officially authorize a strike.\u003c/p>\n\u003cp>After 54 of the striking students were terminated on Feb. 28, representatives of their union said it had \u003ca href=\"http://uaw2865.org/uc-student-worker-union-files-unfair-labor-practice-charge-against-the-university/\" target=\"_blank\" rel=\"noopener noreferrer\">filed an unfair labor practice charge against the University of California\u003c/a>. The union has also asked university officials to reopen negotiations on the contract, something the administration has previously said it would not do.\u003c/p>\n\u003cp>The bargaining team of UAW 2865, representing over 19,000 academic workers in the UC system, said in a March 3 statement that the union will hold an “Unfair Labor Practice Strike Authorization Vote” in early April. This could lead to a broader UC-wide strike.\u003c/p>\n\u003cp>For Jonathan Moore, a second-year doctoral student in the department of African American Studies, and many other students, it’s about the broader education system.\u003c/p>\n\u003cp>“The students at Santa Cruz have envisioned a long-haul transformation of the UC system that starts with ensuring that all graduate students are provided adequate wages to survive and to thrive in the absolutely appalling housing markets that so many UC’s are located in,” he said.\u003c/p>\n\u003cp>“It means a lot to me that graduate students in my department took it upon themselves to push the envelope here at Berkeley and respond to the demands of the students at Santa Cruz,” Moore said. “It is in alignment with our department’s history of demanding that the institution be held accountable, but also imagining beyond the confines of the university.”\u003c/p>\n\u003cfigure id=\"attachment_11805498\" class=\"wp-caption alignnone\" style=\"max-width: 1440px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11805498 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/03/RS41900_Lauren_Zane-qut-e1583450062479.jpg\" alt=\"\" width=\"1440\" height=\"1920\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41900_Lauren_Zane-qut-e1583450062479.jpg 1440w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41900_Lauren_Zane-qut-e1583450062479-160x213.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41900_Lauren_Zane-qut-e1583450062479-800x1067.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41900_Lauren_Zane-qut-e1583450062479-1020x1360.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41900_Lauren_Zane-qut-e1583450062479-1122x1496.jpg 1122w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41900_Lauren_Zane-qut-e1583450062479-840x1120.jpg 840w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41900_Lauren_Zane-qut-e1583450062479-687x916.jpg 687w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41900_Lauren_Zane-qut-e1583450062479-414x552.jpg 414w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS41900_Lauren_Zane-qut-e1583450062479-354x472.jpg 354w\" sizes=\"auto, (max-width: 1440px) 100vw, 1440px\">\u003cfigcaption class=\"wp-caption-text\">Lauren Zane, a third-year undergraduate student came out to support graduate student instructors. \u003ccite>(Lakshmi Sarah/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Lucy Gill, a Ph.D. candidate in the department of anthropology, addressed the audience, saying, “The UC administration is in fact directly complicit in the exorbitant rent and gentrification within and beyond the Bay Area.”\u003c/p>\n\u003cp>Angela Castillo, an international student and fellow Ph.D. candidate in the department of anthropology, also addressed the crowd. She said she is ready to go on strike, but reminded attendees of the reason for the rally.\u003c/p>\n\u003cp>“We are standing here in solidarity with our colleagues at UC Santa Cruz, whose contracts on spring appointments were terminated by the UC,” Castillo said.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Lauren Zane, a third-year undergraduate student in the department of integrated biology and molecular and cell biology held a sign reading “My GSIs [Graduate Student Instructor] deserve a livable wage.”\u003c/p>\n\u003cp>It’s important because many undergraduate classes are large, as Zane said, and without graduate student instructors “we wouldn’t be able to learn as well as we do.”\u003c/p>\n\u003cp>Zane has had graduate students who go above and beyond for students — planning field trips, offering additional office hours. “It’s not fair that they don’t have a livable wage,” she said.\u003c/p>\n\u003cp>UC Berkeley spokesman Dan Mogulof said he could not give an estimate of how many graduate students didn’t come to work on Thursday.\u003c/p>\n\u003cfigure id=\"attachment_11805496\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11805496\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/03/Sign1-RS41886_IMG_2121-qut-800x600.jpg\" alt='\"We think it works on multiple levels,\" said Virginia Georgallas (center). She and Haden Smiley (left) are both graduate students in the music department.' width=\"800\" height=\"600\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/Sign1-RS41886_IMG_2121-qut-800x600.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/Sign1-RS41886_IMG_2121-qut-160x120.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/Sign1-RS41886_IMG_2121-qut-1020x765.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/Sign1-RS41886_IMG_2121-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/Sign1-RS41886_IMG_2121-qut-1832x1374.jpg 1832w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/Sign1-RS41886_IMG_2121-qut-1376x1032.jpg 1376w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/Sign1-RS41886_IMG_2121-qut-1044x783.jpg 1044w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/Sign1-RS41886_IMG_2121-qut-632x474.jpg 632w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/Sign1-RS41886_IMG_2121-qut-536x402.jpg 536w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">“We think it works on multiple levels,” said Virginia Georgallas (center). She and Haden Smiley (left) are both graduate students in the music department. \u003ccite>(Lakshmi Sarah/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Haden Smiley and Virginia Georgallas, both graduate students in the music department came and held signs, but their department is still in discussion on whether to declare themselves strike-ready. Many graduate students in the music department are on F-1 (student) visas, which makes it further complicated to take collective action.\u003c/p>\n\u003cp>Students from neighboring Mills College joined.\u003c/p>\n\u003cp>“Even though we’re not part of the UC system, we came out for solidarity,” said Lee Jue, a Mills College student.\u003c/p>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\n\u003cp>Students at several other UC campuses reportedly canceled or walked out of classes for the day.\u003c/p>\n\u003cp>Will Parrish, a Ph.D. student in history of consciousness at UC Santa Cruz and organizer with \u003ca href=\"https://payusmoreucsc.com/\" target=\"_blank\" rel=\"noopener noreferrer\">Pay Us More UCSC\u003c/a>, said 600 people attended the rally at UCLA, while the crowd was 1,000 strong at UC Berkeley, and 2,000 at UC Santa Barbara. According to Parrish, about 500 people participated in Thursday’s campus shutdown at UC Santa Cruz.\u003c/p>\u003c/p>\u003c/div>",
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"slug": "proposed-tax-on-vacant-storefronts-in-san-francisco-still-too-close-to-call",
"title": "Proposed Tax on Vacant SF Storefronts on Track to Narrowly Pass",
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"content": "\u003cp>\u003cem>Updated Friday, 4:30 p.m.\u003c/em>\u003c/p>\n\u003cp>\u003ca href=\"https://voterguide.sfelections.org/en/vacancy-tax\" target=\"_blank\" rel=\"noopener noreferrer\">Proposition D\u003c/a>, known as the vacancy tax, has been one of San Francisco’s most contentious battles this election season. Empty storefronts pepper neighborhoods all over the city, and complaints have mounted over the years.\u003c/p>\n\u003cp>As of Friday afternoon, the measure appeared likely to pass, with \u003ca href=\"https://sfelections.sfgov.org/march-3-2020-election-results-summary\">about 69% support\u003c/a>, inching past the necessary two-thirds majority threshold. But with many vote by mail ballots still being counted, the contest remained too close to call. \u003c/p>\n\u003cp>For up to date vote counts see \u003ca href=\"https://www.kqed.org/elections/results\">KQED’s election result page\u003c/a>. County election officials will officially announce whether the measure passed a month after the election.\u003c/p>\n\u003cp>The measure, championed by District 3 Supervisor Aaron Peskin, would tax property owners in the city’s roughly 40 \u003ca href=\"https://default.sfplanning.org/plans-and-programs/in-your-neighborhood/invest-in-neighborhoods/excelsior-strategy/EOMWG_PlanningCode720_ExcelsiorOuterMission.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">commercial districts\u003c/a> for keeping a storefront vacant for more than 182 days in year. The tax starts at $250 per street-facing linear foot of ground-floor retail space for the first year. That number would double to $500 the second year and again to $1,000 every year thereafter.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>If it passes, it would be the first tax of its kind in any major U.S. city.\u003c/p>\n\u003cp>The tax would go into effect in 2021 and would pay into a new fund for small businesses in San Francisco. The city estimates it could bring in up to $5 million a year. This vacancy tax would not apply to certain nonprofit organizations.\u003c/p>\n\u003cp>The \u003ca href=\"https://www.neighborsforsmallbusiness.com/\" target=\"_blank\" rel=\"noopener noreferrer\">Yes on D\u003c/a> campaign included business and merchant associations, as well as elected officials, including every city supervisor and Mayor London Breed. They argued that some landowners have raised rents to unaffordable levels as rising property values have pushed up rent prices.\u003c/p>\n\u003cp>“More often than not, in my experience, it’s been all about the rent, and there are many landlords that are holding out for businesses that can pay a higher rent, whether that’s a chain or restaurant or what have you,” said Rick Karp, owner of Cole Hardware. He added that property owners “have an economic incentive to keep a building vacant where they can write off the lost [revenue] that they’ve had from a previous tenant as an expense.”\u003c/p>\n\u003cp>After polls closed on election night, Yes on D campaign manager Daniel Anderson expressed optimism that Proposition D would prevail.\u003c/p>\n\u003cp>“What’s clear is that San Franciscans are excited with this measure,” he said. “They want to see something done to reduce these vacancies, to protect small businesses and to revitalize our merchant corridors.”\u003c/p>\n\u003cp>[aside tag=\"election2020\" label=\"More Election Coverage\"]\u003c/p>\n\u003cp>Those opposed to the measure included local real estate organizations and individual property owners, as well as the San Francisco Republican Party. They say businesses aren’t immune to economic forces, namely the rise of online shopping and changing consumer behavior.\u003c/p>\n\u003cp>“Online buying is impacting the marketplace of these neighborhoods,” said Mark Borsuk, a San Francisco real estate broker and attorney. He said this is especially true in San Francisco where “we have so many new residents — young and very savvy, using technology — who want to purchase things online and not necessarily go to the store.”\u003c/p>\n\u003cp>Borsuk said landowners want to rent out their spaces, and they’ve been trying very hard to do so. He argued that city bureaucracy has thrown wrench after wrench into their plans, including painstakingly slow permitting processes and multiple inspections.\u003c/p>\n\u003cp>Jay Cheng, public policy director for the San Francisco Chamber of Commerce, which also opposed the measure, agreed.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>“I think Proposition D is not going to fully address the issue of storefront vacancies or helping small businesses thrive in San Francisco,” he said. “I think those solutions are much deeper. They’re within zoning reforms, they’re in planning code changes, they’re in more flexible rules for small businesses.”\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cem>Updated Friday, 4:30 p.m.\u003c/em>\u003c/p>\n\u003cp>\u003ca href=\"https://voterguide.sfelections.org/en/vacancy-tax\" target=\"_blank\" rel=\"noopener noreferrer\">Proposition D\u003c/a>, known as the vacancy tax, has been one of San Francisco’s most contentious battles this election season. Empty storefronts pepper neighborhoods all over the city, and complaints have mounted over the years.\u003c/p>\n\u003cp>As of Friday afternoon, the measure appeared likely to pass, with \u003ca href=\"https://sfelections.sfgov.org/march-3-2020-election-results-summary\">about 69% support\u003c/a>, inching past the necessary two-thirds majority threshold. But with many vote by mail ballots still being counted, the contest remained too close to call. \u003c/p>\n\u003cp>For up to date vote counts see \u003ca href=\"https://www.kqed.org/elections/results\">KQED’s election result page\u003c/a>. County election officials will officially announce whether the measure passed a month after the election.\u003c/p>\n\u003cp>The measure, championed by District 3 Supervisor Aaron Peskin, would tax property owners in the city’s roughly 40 \u003ca href=\"https://default.sfplanning.org/plans-and-programs/in-your-neighborhood/invest-in-neighborhoods/excelsior-strategy/EOMWG_PlanningCode720_ExcelsiorOuterMission.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">commercial districts\u003c/a> for keeping a storefront vacant for more than 182 days in year. The tax starts at $250 per street-facing linear foot of ground-floor retail space for the first year. That number would double to $500 the second year and again to $1,000 every year thereafter.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>If it passes, it would be the first tax of its kind in any major U.S. city.\u003c/p>\n\u003cp>The tax would go into effect in 2021 and would pay into a new fund for small businesses in San Francisco. The city estimates it could bring in up to $5 million a year. This vacancy tax would not apply to certain nonprofit organizations.\u003c/p>\n\u003cp>The \u003ca href=\"https://www.neighborsforsmallbusiness.com/\" target=\"_blank\" rel=\"noopener noreferrer\">Yes on D\u003c/a> campaign included business and merchant associations, as well as elected officials, including every city supervisor and Mayor London Breed. They argued that some landowners have raised rents to unaffordable levels as rising property values have pushed up rent prices.\u003c/p>\n\u003cp>“More often than not, in my experience, it’s been all about the rent, and there are many landlords that are holding out for businesses that can pay a higher rent, whether that’s a chain or restaurant or what have you,” said Rick Karp, owner of Cole Hardware. He added that property owners “have an economic incentive to keep a building vacant where they can write off the lost [revenue] that they’ve had from a previous tenant as an expense.”\u003c/p>\n\u003cp>After polls closed on election night, Yes on D campaign manager Daniel Anderson expressed optimism that Proposition D would prevail.\u003c/p>\n\u003cp>“What’s clear is that San Franciscans are excited with this measure,” he said. “They want to see something done to reduce these vacancies, to protect small businesses and to revitalize our merchant corridors.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Those opposed to the measure included local real estate organizations and individual property owners, as well as the San Francisco Republican Party. They say businesses aren’t immune to economic forces, namely the rise of online shopping and changing consumer behavior.\u003c/p>\n\u003cp>“Online buying is impacting the marketplace of these neighborhoods,” said Mark Borsuk, a San Francisco real estate broker and attorney. He said this is especially true in San Francisco where “we have so many new residents — young and very savvy, using technology — who want to purchase things online and not necessarily go to the store.”\u003c/p>\n\u003cp>Borsuk said landowners want to rent out their spaces, and they’ve been trying very hard to do so. He argued that city bureaucracy has thrown wrench after wrench into their plans, including painstakingly slow permitting processes and multiple inspections.\u003c/p>\n\u003cp>Jay Cheng, public policy director for the San Francisco Chamber of Commerce, which also opposed the measure, agreed.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>“I think Proposition D is not going to fully address the issue of storefront vacancies or helping small businesses thrive in San Francisco,” he said. “I think those solutions are much deeper. They’re within zoning reforms, they’re in planning code changes, they’re in more flexible rules for small businesses.”\u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "Asthma, Mold and Mice: California's Housing Crisis Sickens Families",
"title": "Asthma, Mold and Mice: California's Housing Crisis Sickens Families",
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"content": "\u003cp>Tanya Harris and her three daughters struggle to breathe in the converted motel room in Salinas they now rent as a studio.\u003c/p>\n\u003cp>Just large enough for a bunk bed and a desk, the room holds all four of them. Harris sleeps on a silver inflatable mattress on the floor.\u003c/p>\n\u003cp>Doctors say the room is making Harris and her daughters sick.\u003c/p>\n\u003cp>The state’s housing crisis has resulted in more and more families like Harris’ living in substandard and overcrowded conditions, and local health officials say those conditions threaten residents’ health.\u003c/p>\n\u003cfigure id=\"attachment_11803970\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11803970\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41648_HOUSING-HEALTH-photo-3-qut-800x564.jpg\" alt=\"\" width=\"800\" height=\"564\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41648_HOUSING-HEALTH-photo-3-qut-800x564.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41648_HOUSING-HEALTH-photo-3-qut-160x113.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41648_HOUSING-HEALTH-photo-3-qut-1020x719.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41648_HOUSING-HEALTH-photo-3-qut.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Tanya Harris (left) and her daughters Heaven (right) and Getsemani (top bunk) have asthma. \u003ccite>(David Rodriguez/The Salinas Californian)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>After fleeing her abusive ex, Harris and her daughters ended up living in her van. Later, they moved to a shelter, then into the studio apartment almost exactly one year ago. The Californian isn’t naming her exact location due to concerns about her personal safety.\u003c/p>\n\u003cp>The motel, which she paid $900 a month to rent, was supposed to be a step up from the shelter.\u003c/p>\n\u003cp>Sure, they’re all squeezed into one bedroom, but they were glad for the private bathroom and kitchenette down the hall, where they could make meals together.\u003c/p>\n\u003cp>Instead, things got worse.\u003c/p>\n\u003cp>Harris said they soon realized the motel was infested with mice, rats and cockroaches, which crawled out of the fist-sized hole behind the refrigerator. Harris even broke her daughter’s trundle bed one night as she jumped on it, startled by “four or five mice” running around.\u003c/p>\n\u003cp>The water they shower in drips cold from the shower head, and only warms up if the bathroom tap is on at the same time. Mold grows along the shower walls and floors, no matter how many times Harris scrubs it with bleach.\u003c/p>\n\u003cp>All four of them have asthma, and are having more frequent, fiercer attacks, likely due to the mold and mouse feces they found everywhere, doctors told them. According to multiple studies, exposure to cockroaches and mice increases one’s risk of asthma attacks.\u003c/p>\n\u003cp>“I feel like a bad mom because I can’t give them everything they deserve,” Harris said, with thick tears rolling past the star tattooed on her cheek.\u003c/p>\n\u003cp>Seventeen-year-old Heaven, sitting next to her mother on the bottom bunk, touched her arm gently.\u003c/p>\n\u003cp>“I tell her she’s not,” said Heaven. “She does everything. She works two jobs, and she’s just one person. To me, she’s Superwoman.”\u003c/p>\n\u003ch3>Overcrowding Increases Health Risk\u003c/h3>\n\u003cp>Between 2006 and 2018, the median household income in California grew 6.4%, but the average real income for the lowest 20% of households dropped by 5.3%. During that same time period, the cost of housing increased by more than 8% from 2017.\u003c/p>\n\u003cp>In this environment, it is not surprising that families would double or triple up.\u003c/p>\n\u003cp>“If you’ve got people in overcrowded conditions, typically, it’s going to be a result of economic inequality,” said Dr. Maximiliano Cuevas, who heads up Clínica de Salud del Valle de Salinas, a community-founded health clinic that works primarily with farmworkers.\u003c/p>\n\u003cp>A 2019 analysis of Census Bureau data by the California Budget and Policy Center found statewide economic inequality, resulting in millions being unable to afford basic bills.\u003c/p>\n\u003cp>“When you start superimposing economic inequality – that is you don’t have sufficient economic resources to maintain yourself while you’re here – it will impact you,” Cuevas said. “We break down. Our body begins to get sick. If you don’t have access to healthcare, you get sicker until that disease process runs its course.”\u003c/p>\n\u003cp>People living in overcrowded homes may have to deal with vermin and pests, as it can prove more challenging to keep the home clean when too many people live there.\u003c/p>\n\u003cp>Communicable diseases also love overcrowding. Viruses, fungal infections and head lice thrive in these environments, where germs travel in the air from coughs and linger on commonly touched items.\u003c/p>\n\u003ch3>Diseases that Thrive\u003c/h3>\n\u003cp>The county health department doesn’t track individual cases of norovirus or influenza, other than outbreaks or deaths. However, during the 2018-2019 flu season in California, 588 people died from the flu, according to the state health department.\u003c/p>\n\u003cp>Doctors like Cuevas said overcrowded housing, which has increased as the housing crisis deepened, also raises vulnerable peoples’ risk of contracting these illnesses.\u003c/p>\n\u003cp>Viruses such as norovirus or influenza can be passed through contact with contaminated surfaces such as door handles, hands or food, but other diseases such as whooping cough or tuberculosis require people to breathe in the bacteria.\u003c/p>\n\u003cp>“We’ve had instances (of tuberculosis) in the southern part of the county because of overcrowding: that is more than two people living in a room or more than one family living in a house,” said Cuevas. “We’re seeing a lot of that right now. For people to afford the rent of a house, you’ve got five, even 10 to 12 families living in a house.”\u003c/p>\n\u003cp>“If you’ve got multiple families living in one home, it’s going to be very difficult to isolate someone with tuberculosis, with norovirus, with influenza,” said Dr. Edward Moreno, the director of the Monterey County Public Health Department. “Especially if you have one bathroom.\"\u003c/p>\n\u003cfigure id=\"attachment_11803977\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11803977\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41650_HOUSING-HEALTH-photo-2-qut-800x560.jpg\" alt=\"\" width=\"800\" height=\"560\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41650_HOUSING-HEALTH-photo-2-qut-800x560.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41650_HOUSING-HEALTH-photo-2-qut-160x112.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41650_HOUSING-HEALTH-photo-2-qut-1020x714.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41650_HOUSING-HEALTH-photo-2-qut.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Pests and viruses thrive in overcrowded environments like this trailer park in Salinas. \u003ccite>(David Rodriguez/The Salinas Californian)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“If you’ve got a one-bedroom home or a studio, you can’t isolate someone. That’s how overcrowding contributes to making people sick, because you can’t isolate the person,” said Moreno.\u003c/p>\n\u003cp>Based on 2011-2015 data from the Healthy Communities Data and Indicators Project, the state Department of Public Health found that in California, 8.2% of households are considered overcrowded.\u003c/p>\n\u003cp>In Monterey County, the rate of overcrowded households is 55% higher than the state average: It stands at 12.7%.\u003c/p>\n\u003cp>Latino households in California experience the highest rate of overcrowding, at 20.1%, followed by Native Hawaiian/Other Pacific Islanders. In contrast, white households are the least likely to be overcrowded, at 1.7%.\u003c/p>\n\u003cp>Tuberculosis is more commonly found among those who live doubled and tripled up, said Cuevas.\u003c/p>\n\u003cp>In countries with fewer resources, a bacterial disease like tuberculosis is often considered a death sentence, said Moreno. Mexico, South America, Southeast Asia and Central Europe all grapple with this fear, said Moreno.\u003c/p>\n\u003cp>“If you want to stay in the family, you want to keep your job, you don’t talk about your tuberculosis, even though you’re probably infecting other people,” said Moreno. “That’s something we deal with as we’re doing our investigations, so we don’t always get all their other family members or people at work they’ve exposed,” he said.\u003c/p>\n\u003cp>Doctors with the Monterey County Department of Public Health noted that tuberculosis infections increased in the second half of the decade but dropped from 29 cases in 2018 to just 12 cases in 2019, said Kristy Michie, the assistant director of public health.\u003c/p>\n\u003cp>“That’s in a county with more than 440,000 people,” said Moreno.\u003c/p>\n\u003cp>Asked what factors led or contributed to the decline in tuberculosis in the county, officials from the public health department are stymied.\u003c/p>\n\u003cp>“The health department does not have any data or evidence to support theories about why the incidence declined last year,” said Michie. As such, she said, officials are closely monitoring cases.\u003c/p>\n\u003cp>“Last year was unusual for us, so we do expect to see at least this number or more this year,” said Michie. “If that’s influenced by overcrowding, we can’t say for sure; there’s a lot of things at play there.”\u003c/p>\n\u003cp>Another bacterial disease, pertussis, also known as whooping cough, can pass more easily among the vulnerable in overcrowded conditions. More individuals became ill with whooping cough in 2019 than in previous years, but Michie said that was expected due to its cyclical pattern that peaks every three to five years.\u003c/p>\n\u003cp>“It looks like a radio wave across time,” she said.\u003c/p>\n\u003ch3>Local, Low-cost or No-cost Healthcare\u003c/h3>\n\u003cp>In certain parts of Monterey County, overcrowding and unhealthy living conditions are common, thanks to a lack of affordable housing. That can leave the area’s tens of thousands of farmworkers squeezed into garages and living rooms.\u003c/p>\n\u003cp>According to a 2015 fact sheet by researchers at San Diego State University and the Center for Immigrant Integration at the University of Southern California, an estimated 18%, or just under 9,000, of the 49,000 people who live in East Salinas are undocumented immigrants.\u003c/p>\n\u003cp>The researchers estimate only about 23% of undocumented immigrants have health insurance, compared with 63% of the U.S.-born population, excluding documented immigrants.\u003c/p>\n\u003cp>“The group that’s going to face difficulty (getting treatment) are the uninsured,” said Moreno. Specifically, he said, those who didn’t sign up for Covered California, or don’t have Medi-Cal or Medicare.\u003c/p>\n\u003cp>Going without health coverage can leave people choosing between a bill and a doctor’s visit.\u003c/p>\n\u003cp>Children under 18 years of age and adults under 25 are guaranteed medical benefits by the Golden State, regardless of citizenship. However, that could still leave millions of residents without health insurance.\u003c/p>\n\u003cp>In 2014, between 2.35 million and 2.6 million undocumented immigrants called California home, research by the Public Policy Institute of California showed. Those numbers account for nearly a quarter of the nation’s undocumented population and 6% of the state’s total population.\u003c/p>\n\u003cp>[aside tag=\"housing, poverty\" label=\"More Related Stories.\"]\u003c/p>\n\u003ch3>Resources for Uninsured\u003c/h3>\n\u003cp>For those without insurance, there are options available for medical care. Hospitals may have sliding scale payments for treatment, and the state’s Department of Health Care Services offers lists of healthcare providers and insurers on its website.\u003c/p>\n\u003cp>Small federally qualified health centers or clinic systems across the state, such as the Clinica de Salud del Valle de Salinas clinics, offer healthcare to patients in English or Spanish at low or no cost. These community-based health care providers receive federal funds to provide primary care services in underserved areas and must meet certain requirements, such as providing care on a sliding fee scale based on ability to pay. The Salinas Valley Memorial Hospital System also operates a mobile clinic four days a week in Salinas, Castroville and Greenfield with free healthcare in English or in Spanish.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003cem>Kate Cimini is a multi-media journalist with The Salinas Californian. Cimini reported this story with support from the 2019 Impact Fund, a program of the USC Annenberg \u003ca href=\"https://www.centerforhealthjournalism.org/\" target=\"_blank\" rel=\"noopener noreferrer\">Center for Health Journalism\u003c/a>. It was also produced in part through a collaboration with the Bay Area visual storytelling nonprofit \u003ca href=\"https://www.catchlight.io/\" target=\"_blank\" rel=\"noopener noreferrer\">Catchlight\u003c/a>.\u003c/em>\u003c/p>\n\u003cp>\u003cem>This article is part of \u003ca href=\"https://calmatters.org/divide/\" target=\"_blank\" rel=\"noopener noreferrer\">The California Divide\u003c/a>, a collaboration among newsrooms examining inequity and economic survival in California.\u003c/em>\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Tanya Harris and her three daughters struggle to breathe in the converted motel room in Salinas they now rent as a studio.\u003c/p>\n\u003cp>Just large enough for a bunk bed and a desk, the room holds all four of them. Harris sleeps on a silver inflatable mattress on the floor.\u003c/p>\n\u003cp>Doctors say the room is making Harris and her daughters sick.\u003c/p>\n\u003cp>The state’s housing crisis has resulted in more and more families like Harris’ living in substandard and overcrowded conditions, and local health officials say those conditions threaten residents’ health.\u003c/p>\n\u003cfigure id=\"attachment_11803970\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11803970\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41648_HOUSING-HEALTH-photo-3-qut-800x564.jpg\" alt=\"\" width=\"800\" height=\"564\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41648_HOUSING-HEALTH-photo-3-qut-800x564.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41648_HOUSING-HEALTH-photo-3-qut-160x113.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41648_HOUSING-HEALTH-photo-3-qut-1020x719.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41648_HOUSING-HEALTH-photo-3-qut.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Tanya Harris (left) and her daughters Heaven (right) and Getsemani (top bunk) have asthma. \u003ccite>(David Rodriguez/The Salinas Californian)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>After fleeing her abusive ex, Harris and her daughters ended up living in her van. Later, they moved to a shelter, then into the studio apartment almost exactly one year ago. The Californian isn’t naming her exact location due to concerns about her personal safety.\u003c/p>\n\u003cp>The motel, which she paid $900 a month to rent, was supposed to be a step up from the shelter.\u003c/p>\n\u003cp>Sure, they’re all squeezed into one bedroom, but they were glad for the private bathroom and kitchenette down the hall, where they could make meals together.\u003c/p>\n\u003cp>Instead, things got worse.\u003c/p>\n\u003cp>Harris said they soon realized the motel was infested with mice, rats and cockroaches, which crawled out of the fist-sized hole behind the refrigerator. Harris even broke her daughter’s trundle bed one night as she jumped on it, startled by “four or five mice” running around.\u003c/p>\n\u003cp>The water they shower in drips cold from the shower head, and only warms up if the bathroom tap is on at the same time. Mold grows along the shower walls and floors, no matter how many times Harris scrubs it with bleach.\u003c/p>\n\u003cp>All four of them have asthma, and are having more frequent, fiercer attacks, likely due to the mold and mouse feces they found everywhere, doctors told them. According to multiple studies, exposure to cockroaches and mice increases one’s risk of asthma attacks.\u003c/p>\n\u003cp>“I feel like a bad mom because I can’t give them everything they deserve,” Harris said, with thick tears rolling past the star tattooed on her cheek.\u003c/p>\n\u003cp>Seventeen-year-old Heaven, sitting next to her mother on the bottom bunk, touched her arm gently.\u003c/p>\n\u003cp>“I tell her she’s not,” said Heaven. “She does everything. She works two jobs, and she’s just one person. To me, she’s Superwoman.”\u003c/p>\n\u003ch3>Overcrowding Increases Health Risk\u003c/h3>\n\u003cp>Between 2006 and 2018, the median household income in California grew 6.4%, but the average real income for the lowest 20% of households dropped by 5.3%. During that same time period, the cost of housing increased by more than 8% from 2017.\u003c/p>\n\u003cp>In this environment, it is not surprising that families would double or triple up.\u003c/p>\n\u003cp>“If you’ve got people in overcrowded conditions, typically, it’s going to be a result of economic inequality,” said Dr. Maximiliano Cuevas, who heads up Clínica de Salud del Valle de Salinas, a community-founded health clinic that works primarily with farmworkers.\u003c/p>\n\u003cp>A 2019 analysis of Census Bureau data by the California Budget and Policy Center found statewide economic inequality, resulting in millions being unable to afford basic bills.\u003c/p>\n\u003cp>“When you start superimposing economic inequality – that is you don’t have sufficient economic resources to maintain yourself while you’re here – it will impact you,” Cuevas said. “We break down. Our body begins to get sick. If you don’t have access to healthcare, you get sicker until that disease process runs its course.”\u003c/p>\n\u003cp>People living in overcrowded homes may have to deal with vermin and pests, as it can prove more challenging to keep the home clean when too many people live there.\u003c/p>\n\u003cp>Communicable diseases also love overcrowding. Viruses, fungal infections and head lice thrive in these environments, where germs travel in the air from coughs and linger on commonly touched items.\u003c/p>\n\u003ch3>Diseases that Thrive\u003c/h3>\n\u003cp>The county health department doesn’t track individual cases of norovirus or influenza, other than outbreaks or deaths. However, during the 2018-2019 flu season in California, 588 people died from the flu, according to the state health department.\u003c/p>\n\u003cp>Doctors like Cuevas said overcrowded housing, which has increased as the housing crisis deepened, also raises vulnerable peoples’ risk of contracting these illnesses.\u003c/p>\n\u003cp>Viruses such as norovirus or influenza can be passed through contact with contaminated surfaces such as door handles, hands or food, but other diseases such as whooping cough or tuberculosis require people to breathe in the bacteria.\u003c/p>\n\u003cp>“We’ve had instances (of tuberculosis) in the southern part of the county because of overcrowding: that is more than two people living in a room or more than one family living in a house,” said Cuevas. “We’re seeing a lot of that right now. For people to afford the rent of a house, you’ve got five, even 10 to 12 families living in a house.”\u003c/p>\n\u003cp>“If you’ve got multiple families living in one home, it’s going to be very difficult to isolate someone with tuberculosis, with norovirus, with influenza,” said Dr. Edward Moreno, the director of the Monterey County Public Health Department. “Especially if you have one bathroom.\"\u003c/p>\n\u003cfigure id=\"attachment_11803977\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11803977\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41650_HOUSING-HEALTH-photo-2-qut-800x560.jpg\" alt=\"\" width=\"800\" height=\"560\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41650_HOUSING-HEALTH-photo-2-qut-800x560.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41650_HOUSING-HEALTH-photo-2-qut-160x112.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41650_HOUSING-HEALTH-photo-2-qut-1020x714.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41650_HOUSING-HEALTH-photo-2-qut.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Pests and viruses thrive in overcrowded environments like this trailer park in Salinas. \u003ccite>(David Rodriguez/The Salinas Californian)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“If you’ve got a one-bedroom home or a studio, you can’t isolate someone. That’s how overcrowding contributes to making people sick, because you can’t isolate the person,” said Moreno.\u003c/p>\n\u003cp>Based on 2011-2015 data from the Healthy Communities Data and Indicators Project, the state Department of Public Health found that in California, 8.2% of households are considered overcrowded.\u003c/p>\n\u003cp>In Monterey County, the rate of overcrowded households is 55% higher than the state average: It stands at 12.7%.\u003c/p>\n\u003cp>Latino households in California experience the highest rate of overcrowding, at 20.1%, followed by Native Hawaiian/Other Pacific Islanders. In contrast, white households are the least likely to be overcrowded, at 1.7%.\u003c/p>\n\u003cp>Tuberculosis is more commonly found among those who live doubled and tripled up, said Cuevas.\u003c/p>\n\u003cp>In countries with fewer resources, a bacterial disease like tuberculosis is often considered a death sentence, said Moreno. Mexico, South America, Southeast Asia and Central Europe all grapple with this fear, said Moreno.\u003c/p>\n\u003cp>“If you want to stay in the family, you want to keep your job, you don’t talk about your tuberculosis, even though you’re probably infecting other people,” said Moreno. “That’s something we deal with as we’re doing our investigations, so we don’t always get all their other family members or people at work they’ve exposed,” he said.\u003c/p>\n\u003cp>Doctors with the Monterey County Department of Public Health noted that tuberculosis infections increased in the second half of the decade but dropped from 29 cases in 2018 to just 12 cases in 2019, said Kristy Michie, the assistant director of public health.\u003c/p>\n\u003cp>“That’s in a county with more than 440,000 people,” said Moreno.\u003c/p>\n\u003cp>Asked what factors led or contributed to the decline in tuberculosis in the county, officials from the public health department are stymied.\u003c/p>\n\u003cp>“The health department does not have any data or evidence to support theories about why the incidence declined last year,” said Michie. As such, she said, officials are closely monitoring cases.\u003c/p>\n\u003cp>“Last year was unusual for us, so we do expect to see at least this number or more this year,” said Michie. “If that’s influenced by overcrowding, we can’t say for sure; there’s a lot of things at play there.”\u003c/p>\n\u003cp>Another bacterial disease, pertussis, also known as whooping cough, can pass more easily among the vulnerable in overcrowded conditions. More individuals became ill with whooping cough in 2019 than in previous years, but Michie said that was expected due to its cyclical pattern that peaks every three to five years.\u003c/p>\n\u003cp>“It looks like a radio wave across time,” she said.\u003c/p>\n\u003ch3>Local, Low-cost or No-cost Healthcare\u003c/h3>\n\u003cp>In certain parts of Monterey County, overcrowding and unhealthy living conditions are common, thanks to a lack of affordable housing. That can leave the area’s tens of thousands of farmworkers squeezed into garages and living rooms.\u003c/p>\n\u003cp>According to a 2015 fact sheet by researchers at San Diego State University and the Center for Immigrant Integration at the University of Southern California, an estimated 18%, or just under 9,000, of the 49,000 people who live in East Salinas are undocumented immigrants.\u003c/p>\n\u003cp>The researchers estimate only about 23% of undocumented immigrants have health insurance, compared with 63% of the U.S.-born population, excluding documented immigrants.\u003c/p>\n\u003cp>“The group that’s going to face difficulty (getting treatment) are the uninsured,” said Moreno. Specifically, he said, those who didn’t sign up for Covered California, or don’t have Medi-Cal or Medicare.\u003c/p>\n\u003cp>Going without health coverage can leave people choosing between a bill and a doctor’s visit.\u003c/p>\n\u003cp>Children under 18 years of age and adults under 25 are guaranteed medical benefits by the Golden State, regardless of citizenship. However, that could still leave millions of residents without health insurance.\u003c/p>\n\u003cp>In 2014, between 2.35 million and 2.6 million undocumented immigrants called California home, research by the Public Policy Institute of California showed. Those numbers account for nearly a quarter of the nation’s undocumented population and 6% of the state’s total population.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003ch3>Resources for Uninsured\u003c/h3>\n\u003cp>For those without insurance, there are options available for medical care. Hospitals may have sliding scale payments for treatment, and the state’s Department of Health Care Services offers lists of healthcare providers and insurers on its website.\u003c/p>\n\u003cp>Small federally qualified health centers or clinic systems across the state, such as the Clinica de Salud del Valle de Salinas clinics, offer healthcare to patients in English or Spanish at low or no cost. These community-based health care providers receive federal funds to provide primary care services in underserved areas and must meet certain requirements, such as providing care on a sliding fee scale based on ability to pay. The Salinas Valley Memorial Hospital System also operates a mobile clinic four days a week in Salinas, Castroville and Greenfield with free healthcare in English or in Spanish.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003cem>Kate Cimini is a multi-media journalist with The Salinas Californian. Cimini reported this story with support from the 2019 Impact Fund, a program of the USC Annenberg \u003ca href=\"https://www.centerforhealthjournalism.org/\" target=\"_blank\" rel=\"noopener noreferrer\">Center for Health Journalism\u003c/a>. It was also produced in part through a collaboration with the Bay Area visual storytelling nonprofit \u003ca href=\"https://www.catchlight.io/\" target=\"_blank\" rel=\"noopener noreferrer\">Catchlight\u003c/a>.\u003c/em>\u003c/p>\n\u003cp>\u003cem>This article is part of \u003ca href=\"https://calmatters.org/divide/\" target=\"_blank\" rel=\"noopener noreferrer\">The California Divide\u003c/a>, a collaboration among newsrooms examining inequity and economic survival in California.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"disqusTitle": "Democratic Candidates Disagree on Fracking: What Their Proposals Could Mean for California",
"title": "Democratic Candidates Disagree on Fracking: What Their Proposals Could Mean for California",
"headTitle": "The California Report | KQED News",
"content": "\u003cp>The top candidates running for the Democratic presidential nomination all say, if elected, they would place new limits on hydraulic fracturing, the controversial drilling technique that's led to a boom in oil and gas production.\u003c/p>\n\u003cp>But they don't see eye to eye on how extensive those limits should be. Some are calling for a halt to new fracking just on federal land and others want to ban it completely. Their proposals are bound to affect California's fossil fuel industry and the people it employs.\u003c/p>\n\u003cp>Bernie Sanders, Elizabeth Warren and Tom Steyer are the only top candidates to say they would push to bar the oil extraction method anywhere in the country.\u003c/p>\n\u003cp>The other top Democrats have promised to ban new oil and gas permitting on public lands, but most of them have not indicated more severe regulations that call for ending the technique on private land.\u003c/p>\n\u003cp>No matter what the candidates do on fracking, it won't be easy: Proposed limits on the technique would face push back from members of Congress along with lawsuits and lobbying from the oil industry.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>And any new administration that limits fracking would need to train oil workers to do other kinds of jobs, something that would require a massive investment.\u003c/p>\n\u003cp>\"We can't just say we're banning fossil fuels and leave communities behind, living in poverty,\" said Leah Stokes, a UC Santa Barbara professor specializing in energy and climate politics.\u003c/p>\n\u003ch3>\u003cstrong>What Is Fracking and How Prevalent Is It in California?\u003c/strong>\u003c/h3>\n\u003cp>Hydraulic fracturing is an oil well stimulation method that works to get fuel out of the ground by using water and chemicals to crack open geological formations. The injections allow petroleum and water under the ground to flow more freely.\u003c/p>\n\u003cp>The oil industry says fracking helps provide the country with a consistent source of domestic energy. Environmental groups say the chemicals used in the method lead to air and water pollution and the potential contamination of drinking water. The work has been blamed for causing earthquakes.\u003c/p>\n\u003cp>Most fracking and other oil and gas drilling takes place on private land, which is regulated by the states.\u003c/p>\n\u003cp>Hydraulic fracturing accounts for about 1% of California's total gas and oil production, according to Don Drysdale, a spokesman for the state's Department of Conservation. By contrast, water and steam injection account for about 65% of the state's production. But the issue has taken on an \u003ca href=\"https://www.huffpost.com/entry/jerry-brown-fracking_n_564a39cbe4b08cda348a0cb2?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAAFzlMr3cYNHgdnhoTyYIccu_qS_RDogXnDEP_ky3ym9ZEShIBt7wVbuR96azCFpDgi6I6OnOth-J26M8-5vXJ4GaMAiW6yMNcAvYToTfPhzEFvo1n55TJN2nRu2uxCZzBgQBoalB7Lotev2nA0IN0u76ip-4KGwLxb8FCQ1MvRAS\" rel=\"noopener noreferrer\">out-sized role\u003c/a> for environmental activists in the state who have pushed California politicians to oppose the practice.\u003c/p>\n\u003cp>In California, most fracking takes place in Kern County, home to several large oil fields. The method used there is a bit different than in other places, according to Drysdale.\u003c/p>\n\u003cp>[aside postID=science_1957119 label='Presidential Candidates on Climate Change' hero=\"https://cdn.kqed.org/wp-content/uploads/sites/35/2020/02/RS41338_GettyImages-1204735206-qut-1020x680.jpg\"]\u003c/p>\n\u003cp>\"Hydraulic fracturing tends to be shallower and use significantly less water in California than in other states,\" he said.\u003c/p>\n\u003cp>Starting in 2015, California began requiring oil and gas companies to obtain permits for fracking jobs. State regulators are tasked with requiring fuel producers to disclose the chemicals they use in hydraulic fracturing. If a fracking job causes a magnitude 2.7 earthquake or stronger, the work is supposed to be halted. And state officials are charged with determining whether fracking projects should lead to water quality monitoring.\u003c/p>\n\u003cp>Gov. Gavin Newsom's administration recently announced that it would \u003ca href=\"https://www.kqed.org/news/11787352/state-puts-hold-on-some-oil-well-permits-after-chevrons-kern-county-crisis\" rel=\"noopener noreferrer\">refer dozens of pending oil company fracking applications\u003c/a> and other well stimulation methods to independent experts for review. That came after increased scrutiny on California's oil and gas drilling industry and the agency that regulates it.\u003c/p>\n\u003cp>Last July, Newsom ordered the firing of the top official at the Division of Oil, Gas and Geothermal Resources after reports surfaced of a dramatic increase in fracking permits and revelations that agency employees owned stock in the companies they regulate.\u003c/p>\n\u003cp>On federal land, it's a different story. Since 2012, there has been a moratorium in California for new oil lease sales on land overseen by the U.S. Bureau of Land Management following lawsuits filed by the Center for Biological Diversity.\u003c/p>\n\u003cp>During that time oil companies have received permits to drill on existing leases, but it's unclear how much hydraulic fracturing has taken place on them.\u003c/p>\n\u003cp>Late last year, the Trump administration finalized plans to open up more than a million acres of public land in California to fossil fuel development, which include fracking. That prompted more legal action from the Center for Biological Diversity and the state of California.\u003c/p>\n\u003cp>Here's what the top Democratic candidates' proposals on fracking could mean for California:\u003c/p>\n\u003ch3>\u003cstrong>Vermont Sen. Bernie Sanders\u003c/strong>\u003c/h3>\n\u003cp>A spokesman for Vermont Sen. Bernie Sanders says he would ban fracking nationwide. The campaign says that fracking pollutes water, degrades air quality, leads to major methane leaks, worsens climate change and results in more earthquakes.\u003c/p>\n\u003cp>In late January, Sanders unveiled a federal bill to phase out the practice. The \u003ca href=\"https://www.sanders.senate.gov/newsroom/press-releases/sanders-ocasio-cortez-lead-first-ever-bill-to-ban-fracking-nationwide\" rel=\"noopener noreferrer\">Ban Fracking Act\u003c/a> would immediately bar new permits for hydraulic fracturing. It would prohibit fracking near homes and schools by 2021. Starting in 2025, it would ban the method across the country.\u003c/p>\n\u003cp>\"If we are serious about clean air and drinking water, if we are serious about combating climate change, the only safe and sane way to move forward is to ban fracking nationwide,\" Sanders said in a press release for his January proposal.\u003c/p>\n\u003ch3>\u003cstrong>Massachusetts Sen. Elizabeth Warren\u003c/strong>\u003c/h3>\n\u003cp>Warren's campaign says she would put in place a moratorium on all new fossil fuel leases and work with Congress to pass legislation to ban fracking nationwide.\u003c/p>\n\u003cp>In September, Warren said on her first day in office she would sign an order placing a moratorium on new fossil fuel leases on public lands and planned to ban fracking altogether.\u003c/p>\n\u003cp>https://twitter.com/ewarren/status/1170070887887986690?s=20\u003c/p>\n\u003ch3>\u003cstrong>Former Vice President Joe Biden\u003c/strong>\u003c/h3>\n\u003cp>Biden would prohibit new oil and gas jobs on public lands, according to his California press secretary, Sean Higgins.\u003c/p>\n\u003cp>\"Biden is clear that he would hold polluters accountable by banning new oil and gas permitting on public lands and waters, and expanding protections for more than 550 million acres of federal lands,\" Higgins said.\u003c/p>\n\u003ch3>\u003cstrong>Former New York City Mayor Mike Bloomberg\u003c/strong>\u003c/h3>\n\u003cp>Bloomberg wants to place new regulations on fracking and other oil and gas industry work, according to campaign representative Alison McLaughlin.\u003c/p>\n\u003cp>Bloomberg would place a moratorium on new oil and gas drilling leases on federal lands, including for fracking, she said. But \u003ca href=\"https://www.mikebloomberg.com/policies/climate-change\" target=\"_blank\" rel=\"noopener noreferrer\">Bloomberg\u003c/a> thinks new limits on the industry should come from the local level.\u003c/p>\n\u003cp>\"He also supports local, state and tribal authorities making their own decisions on fracking and fossil fuel infrastructure,\" McLaughlin said in an email.\u003c/p>\n\u003ch3>\u003cstrong>Minnesota Sen. Amy Klobuchar\u003c/strong>\u003c/h3>\n\u003cp>Klobuchar would halt all new fracking permits on public lands with in the first 100 days of her presidency, according to C.J. Warnke, a deputy national press secretary for the \u003ca href=\"https://amyklobuchar.com/issue/climate/\" rel=\"noopener noreferrer\">Klobuchar\u003c/a> campaign.\u003c/p>\n\u003cp>Her administration would then review the nation's rules on current fracking projects, Warnke said.\u003c/p>\n\u003cp>\"Senator Klobuchar also believes that for too long, taxpayers have subsidized the massive profits of fossil fuel companies. She will end federal tax subsidies for fossil fuel exploration and production,\" Warnke said in an email.\u003c/p>\n\u003ch3>\u003cstrong>Tom Steyer\u003c/strong>\u003c/h3>\n\u003cp>\u003ca href=\"https://www.kqed.org/science/1957439\" rel=\"noopener noreferrer\">Steyer\u003c/a>, a billionaire philanthropist and activist, has spent millions helping to elect candidates who have strong platforms against climate change, and has championed fracking bans for years.\u003c/p>\n\u003cp>Steyer's campaign says he wants to ban fracking on federal lands first, but then phase in a national ban starting with strict air, water and safety regulations.\u003c/p>\n\u003cp>\"A ban on fracking must be implemented in a smart, phased way that protects frontline communities, workers and the health and safety of all Americans,\" Steyer's camp said in an email.\u003c/p>\n\u003cp>\"If fracked gas was ever a bridge fuel, that bridge has been built and we must now firmly plant our feet on the other side and rapidly scale up clean energy, get to a zero carbon economy, and create millions of good, family-sustaining jobs in the process,\" the Steyer camp said.\u003c/p>\n\u003ch3>\u003cstrong>Former South Bend Mayor Pete Buttigieg\u003c/strong>\u003c/h3>\n\u003cp>Buttigieg has said he wants to close public lands to new fossil fuel leases and ban new fracking, but his campaign did not respond to requests for comment on the issue.\u003c/p>\n\u003cp>All of the Democratic candidates in the field say they're committed to planning and funding the economic transition for workers in the fossil industry.\u003c/p>\n\u003ch3>\u003cstrong>A Fracking Ban Wouldn't Happen Overnight\u003c/strong>\u003c/h3>\n\u003cp>\"We should expect this is going to be a long fight,\" said Stokes, the UC Santa Barbara professor.\u003c/p>\n\u003cp>Getting a new law through Congress that rolls back fracking would be difficult, with a Republican-controlled Senate and some Democrats in the House hesitant to ban the practice. In fact, \u003ca href=\"https://www.npr.org/2020/02/11/804487306/proposals-to-ban-fracking-could-hurt-democrats-in-key-states\" rel=\"noopener noreferrer\">several reports\u003c/a> indicate that some Democrats are concerned such bans would push moderate voters in swing states to vote for President Trump.\u003c/p>\n\u003cp>[aside tag=\"election2020\" label=\"KQED election coverage\"]\u003c/p>\n\u003cp>But a new presidential administration could develop rules that would supersede state regulations and limit hydraulic fracturing without Congress.\u003c/p>\n\u003cp>\"We have laws on the books that can be used to try to reduce fracking,\" Stokes said.\u003c/p>\n\u003cp>The U.S. Environmental Protection Agency has some oversight over oil drilling on private land. The Safe Water Drinking and Clean Air acts could give the EPA under new leadership the power to create regulations to limit and phase out fracking nationwide.\u003c/p>\n\u003cp>\"We already have environmental protections at the federal level and they could be interpreted in new ways, with new regulations issued, that through time could start to slow down fracking in the country,\" Stokes said.\u003c/p>\n\u003cp>But even that process would be slow.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>\"It's going to take time to implement their ideas,\" Stokes said. \"They can take decades to be finalized.\"\u003c/p>\n\n",
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"excerpt": "The top candidates running for the Democratic presidential nomination all say, if elected, they would place new limits on hydraulic fracturing. In California, most fracking takes place in Kern County. ",
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"description": "The top candidates running for the Democratic presidential nomination all say, if elected, they would place new limits on hydraulic fracturing. In California, most fracking takes place in Kern County. ",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>The top candidates running for the Democratic presidential nomination all say, if elected, they would place new limits on hydraulic fracturing, the controversial drilling technique that's led to a boom in oil and gas production.\u003c/p>\n\u003cp>But they don't see eye to eye on how extensive those limits should be. Some are calling for a halt to new fracking just on federal land and others want to ban it completely. Their proposals are bound to affect California's fossil fuel industry and the people it employs.\u003c/p>\n\u003cp>Bernie Sanders, Elizabeth Warren and Tom Steyer are the only top candidates to say they would push to bar the oil extraction method anywhere in the country.\u003c/p>\n\u003cp>The other top Democrats have promised to ban new oil and gas permitting on public lands, but most of them have not indicated more severe regulations that call for ending the technique on private land.\u003c/p>\n\u003cp>No matter what the candidates do on fracking, it won't be easy: Proposed limits on the technique would face push back from members of Congress along with lawsuits and lobbying from the oil industry.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>And any new administration that limits fracking would need to train oil workers to do other kinds of jobs, something that would require a massive investment.\u003c/p>\n\u003cp>\"We can't just say we're banning fossil fuels and leave communities behind, living in poverty,\" said Leah Stokes, a UC Santa Barbara professor specializing in energy and climate politics.\u003c/p>\n\u003ch3>\u003cstrong>What Is Fracking and How Prevalent Is It in California?\u003c/strong>\u003c/h3>\n\u003cp>Hydraulic fracturing is an oil well stimulation method that works to get fuel out of the ground by using water and chemicals to crack open geological formations. The injections allow petroleum and water under the ground to flow more freely.\u003c/p>\n\u003cp>The oil industry says fracking helps provide the country with a consistent source of domestic energy. Environmental groups say the chemicals used in the method lead to air and water pollution and the potential contamination of drinking water. The work has been blamed for causing earthquakes.\u003c/p>\n\u003cp>Most fracking and other oil and gas drilling takes place on private land, which is regulated by the states.\u003c/p>\n\u003cp>Hydraulic fracturing accounts for about 1% of California's total gas and oil production, according to Don Drysdale, a spokesman for the state's Department of Conservation. By contrast, water and steam injection account for about 65% of the state's production. But the issue has taken on an \u003ca href=\"https://www.huffpost.com/entry/jerry-brown-fracking_n_564a39cbe4b08cda348a0cb2?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAAFzlMr3cYNHgdnhoTyYIccu_qS_RDogXnDEP_ky3ym9ZEShIBt7wVbuR96azCFpDgi6I6OnOth-J26M8-5vXJ4GaMAiW6yMNcAvYToTfPhzEFvo1n55TJN2nRu2uxCZzBgQBoalB7Lotev2nA0IN0u76ip-4KGwLxb8FCQ1MvRAS\" rel=\"noopener noreferrer\">out-sized role\u003c/a> for environmental activists in the state who have pushed California politicians to oppose the practice.\u003c/p>\n\u003cp>In California, most fracking takes place in Kern County, home to several large oil fields. The method used there is a bit different than in other places, according to Drysdale.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\"Hydraulic fracturing tends to be shallower and use significantly less water in California than in other states,\" he said.\u003c/p>\n\u003cp>Starting in 2015, California began requiring oil and gas companies to obtain permits for fracking jobs. State regulators are tasked with requiring fuel producers to disclose the chemicals they use in hydraulic fracturing. If a fracking job causes a magnitude 2.7 earthquake or stronger, the work is supposed to be halted. And state officials are charged with determining whether fracking projects should lead to water quality monitoring.\u003c/p>\n\u003cp>Gov. Gavin Newsom's administration recently announced that it would \u003ca href=\"https://www.kqed.org/news/11787352/state-puts-hold-on-some-oil-well-permits-after-chevrons-kern-county-crisis\" rel=\"noopener noreferrer\">refer dozens of pending oil company fracking applications\u003c/a> and other well stimulation methods to independent experts for review. That came after increased scrutiny on California's oil and gas drilling industry and the agency that regulates it.\u003c/p>\n\u003cp>Last July, Newsom ordered the firing of the top official at the Division of Oil, Gas and Geothermal Resources after reports surfaced of a dramatic increase in fracking permits and revelations that agency employees owned stock in the companies they regulate.\u003c/p>\n\u003cp>On federal land, it's a different story. Since 2012, there has been a moratorium in California for new oil lease sales on land overseen by the U.S. Bureau of Land Management following lawsuits filed by the Center for Biological Diversity.\u003c/p>\n\u003cp>During that time oil companies have received permits to drill on existing leases, but it's unclear how much hydraulic fracturing has taken place on them.\u003c/p>\n\u003cp>Late last year, the Trump administration finalized plans to open up more than a million acres of public land in California to fossil fuel development, which include fracking. That prompted more legal action from the Center for Biological Diversity and the state of California.\u003c/p>\n\u003cp>Here's what the top Democratic candidates' proposals on fracking could mean for California:\u003c/p>\n\u003ch3>\u003cstrong>Vermont Sen. Bernie Sanders\u003c/strong>\u003c/h3>\n\u003cp>A spokesman for Vermont Sen. Bernie Sanders says he would ban fracking nationwide. The campaign says that fracking pollutes water, degrades air quality, leads to major methane leaks, worsens climate change and results in more earthquakes.\u003c/p>\n\u003cp>In late January, Sanders unveiled a federal bill to phase out the practice. The \u003ca href=\"https://www.sanders.senate.gov/newsroom/press-releases/sanders-ocasio-cortez-lead-first-ever-bill-to-ban-fracking-nationwide\" rel=\"noopener noreferrer\">Ban Fracking Act\u003c/a> would immediately bar new permits for hydraulic fracturing. It would prohibit fracking near homes and schools by 2021. Starting in 2025, it would ban the method across the country.\u003c/p>\n\u003cp>\"If we are serious about clean air and drinking water, if we are serious about combating climate change, the only safe and sane way to move forward is to ban fracking nationwide,\" Sanders said in a press release for his January proposal.\u003c/p>\n\u003ch3>\u003cstrong>Massachusetts Sen. Elizabeth Warren\u003c/strong>\u003c/h3>\n\u003cp>Warren's campaign says she would put in place a moratorium on all new fossil fuel leases and work with Congress to pass legislation to ban fracking nationwide.\u003c/p>\n\u003cp>In September, Warren said on her first day in office she would sign an order placing a moratorium on new fossil fuel leases on public lands and planned to ban fracking altogether.\u003c/p>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\n\u003ch3>\u003cstrong>Former Vice President Joe Biden\u003c/strong>\u003c/h3>\n\u003cp>Biden would prohibit new oil and gas jobs on public lands, according to his California press secretary, Sean Higgins.\u003c/p>\n\u003cp>\"Biden is clear that he would hold polluters accountable by banning new oil and gas permitting on public lands and waters, and expanding protections for more than 550 million acres of federal lands,\" Higgins said.\u003c/p>\n\u003ch3>\u003cstrong>Former New York City Mayor Mike Bloomberg\u003c/strong>\u003c/h3>\n\u003cp>Bloomberg wants to place new regulations on fracking and other oil and gas industry work, according to campaign representative Alison McLaughlin.\u003c/p>\n\u003cp>Bloomberg would place a moratorium on new oil and gas drilling leases on federal lands, including for fracking, she said. But \u003ca href=\"https://www.mikebloomberg.com/policies/climate-change\" target=\"_blank\" rel=\"noopener noreferrer\">Bloomberg\u003c/a> thinks new limits on the industry should come from the local level.\u003c/p>\n\u003cp>\"He also supports local, state and tribal authorities making their own decisions on fracking and fossil fuel infrastructure,\" McLaughlin said in an email.\u003c/p>\n\u003ch3>\u003cstrong>Minnesota Sen. Amy Klobuchar\u003c/strong>\u003c/h3>\n\u003cp>Klobuchar would halt all new fracking permits on public lands with in the first 100 days of her presidency, according to C.J. Warnke, a deputy national press secretary for the \u003ca href=\"https://amyklobuchar.com/issue/climate/\" rel=\"noopener noreferrer\">Klobuchar\u003c/a> campaign.\u003c/p>\n\u003cp>Her administration would then review the nation's rules on current fracking projects, Warnke said.\u003c/p>\n\u003cp>\"Senator Klobuchar also believes that for too long, taxpayers have subsidized the massive profits of fossil fuel companies. She will end federal tax subsidies for fossil fuel exploration and production,\" Warnke said in an email.\u003c/p>\n\u003ch3>\u003cstrong>Tom Steyer\u003c/strong>\u003c/h3>\n\u003cp>\u003ca href=\"https://www.kqed.org/science/1957439\" rel=\"noopener noreferrer\">Steyer\u003c/a>, a billionaire philanthropist and activist, has spent millions helping to elect candidates who have strong platforms against climate change, and has championed fracking bans for years.\u003c/p>\n\u003cp>Steyer's campaign says he wants to ban fracking on federal lands first, but then phase in a national ban starting with strict air, water and safety regulations.\u003c/p>\n\u003cp>\"A ban on fracking must be implemented in a smart, phased way that protects frontline communities, workers and the health and safety of all Americans,\" Steyer's camp said in an email.\u003c/p>\n\u003cp>\"If fracked gas was ever a bridge fuel, that bridge has been built and we must now firmly plant our feet on the other side and rapidly scale up clean energy, get to a zero carbon economy, and create millions of good, family-sustaining jobs in the process,\" the Steyer camp said.\u003c/p>\n\u003ch3>\u003cstrong>Former South Bend Mayor Pete Buttigieg\u003c/strong>\u003c/h3>\n\u003cp>Buttigieg has said he wants to close public lands to new fossil fuel leases and ban new fracking, but his campaign did not respond to requests for comment on the issue.\u003c/p>\n\u003cp>All of the Democratic candidates in the field say they're committed to planning and funding the economic transition for workers in the fossil industry.\u003c/p>\n\u003ch3>\u003cstrong>A Fracking Ban Wouldn't Happen Overnight\u003c/strong>\u003c/h3>\n\u003cp>\"We should expect this is going to be a long fight,\" said Stokes, the UC Santa Barbara professor.\u003c/p>\n\u003cp>Getting a new law through Congress that rolls back fracking would be difficult, with a Republican-controlled Senate and some Democrats in the House hesitant to ban the practice. In fact, \u003ca href=\"https://www.npr.org/2020/02/11/804487306/proposals-to-ban-fracking-could-hurt-democrats-in-key-states\" rel=\"noopener noreferrer\">several reports\u003c/a> indicate that some Democrats are concerned such bans would push moderate voters in swing states to vote for President Trump.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>But a new presidential administration could develop rules that would supersede state regulations and limit hydraulic fracturing without Congress.\u003c/p>\n\u003cp>\"We have laws on the books that can be used to try to reduce fracking,\" Stokes said.\u003c/p>\n\u003cp>The U.S. Environmental Protection Agency has some oversight over oil drilling on private land. The Safe Water Drinking and Clean Air acts could give the EPA under new leadership the power to create regulations to limit and phase out fracking nationwide.\u003c/p>\n\u003cp>\"We already have environmental protections at the federal level and they could be interpreted in new ways, with new regulations issued, that through time could start to slow down fracking in the country,\" Stokes said.\u003c/p>\n\u003cp>But even that process would be slow.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\"It's going to take time to implement their ideas,\" Stokes said. \"They can take decades to be finalized.\"\u003c/p>\n\n\u003c/div>\u003c/p>",
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"content": "\u003cp>\u003cb>As Coronavirus Spreads, Officials Boost Response\u003c/b>\u003cbr>\n\u003cspan style=\"font-weight: 400\">The coronavirus, formally known as COVID-19, has now spread to more than 50 countries. And for the first time, there are now more new cases outside of China, where it originated, than inside it. On Wednesday, President Trump held a news conference where he announced the appointment of Vice President Mike Pence to direct federal efforts to contain its spread while seeming to downplay the risk to Americans. There are now two cases in the U.S. of infection through unknown origin. Both patients who contracted the disease are from Solano and Santa Clara counties in the Bay Area. Also this week, San Francisco Mayor London Breed declared a state of emergency to mobilize resources and prepare for possible outbreaks. The U.S. stock market posted its worst week of losses since the financial crisis of 2008, with economic effects being felt locally as Facebook and other big companies cancel or pull out of conferences in the Bay Area. \u003c/span>\u003c/p>\n\u003cp>\u003cb>Guests:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Dr. Charles Chiu, infectious disease expert and professor, UCSF \u003c/span>\u003c/li>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Jeremy C. Owens, San Francisco bureau chief and technology editor, MarketWatch\u003c/span>\u003c/li>\n\u003c/ul>\n\u003cp>\u003cb>California Democratic Primary Look Ahead\u003c/b>\u003cbr>\n\u003cspan style=\"font-weight: 400\">On Tuesday, California will join 13 other states to cast ballots for a Democratic presidential nominee. Vermont Sen. Bernie Sanders enjoys a 17-point lead in the Golden State, according to a recent poll commissioned by KQED. Massachusetts Sen. Elizabeth Warren, a fellow progressive, polled second among likely Democratic primary voters. Also this week, five other Democratic presidential hopefuls joined Sens. Sanders and Warren on a debate stage in South Carolina where polls open on Saturday. Sanders received the brunt of the attacks while former Vice President Joe Biden appealed to African American voters with whom he still enjoys strong support. \u003c/span>\u003c/p>\n\u003cp>\u003cb>Guests:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Scott Shafer, senior editor of politics and government, KQED\u003c/span>\u003c/li>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Marisa Lagos, politics and government correspondent, KQED\u003c/span>\u003c/li>\n\u003c/ul>\n\u003cp>\u003cb>Trump Visits India, a Hotbed of Talent and Investment for Silicon Valley\u003c/b>\u003cbr>\n\u003cspan style=\"font-weight: 400\">This week, President Trump wrapped up a two-day trip to India, his first official visit to the nation. A party-like atmosphere punctuated much of the visit as Trump spoke effusively about America’s alliance with India. But as Trump praised Prime Minister Narendra Modi’s leadership, violent clashes between Hindus and Muslims left dozens dead. The trip also concluded without an economic trade deal between India and the U.S. Meanwhile, California universities attract thousands of Indian students each year and tech giants are investing heavily in India, the world’s fifth-largest economy. \u003c/span>\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\"> \u003c/span>\u003cb>Guest:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Dinsha Mistree, research fellow and lecturer, Stanford University Law School\u003c/span>\u003c/li>\n\u003c/ul>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cb>As Coronavirus Spreads, Officials Boost Response\u003c/b>\u003cbr>\n\u003cspan style=\"font-weight: 400\">The coronavirus, formally known as COVID-19, has now spread to more than 50 countries. And for the first time, there are now more new cases outside of China, where it originated, than inside it. On Wednesday, President Trump held a news conference where he announced the appointment of Vice President Mike Pence to direct federal efforts to contain its spread while seeming to downplay the risk to Americans. There are now two cases in the U.S. of infection through unknown origin. Both patients who contracted the disease are from Solano and Santa Clara counties in the Bay Area. Also this week, San Francisco Mayor London Breed declared a state of emergency to mobilize resources and prepare for possible outbreaks. The U.S. stock market posted its worst week of losses since the financial crisis of 2008, with economic effects being felt locally as Facebook and other big companies cancel or pull out of conferences in the Bay Area. \u003c/span>\u003c/p>\n\u003cp>\u003cb>Guests:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Dr. Charles Chiu, infectious disease expert and professor, UCSF \u003c/span>\u003c/li>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Jeremy C. Owens, San Francisco bureau chief and technology editor, MarketWatch\u003c/span>\u003c/li>\n\u003c/ul>\n\u003cp>\u003cb>California Democratic Primary Look Ahead\u003c/b>\u003cbr>\n\u003cspan style=\"font-weight: 400\">On Tuesday, California will join 13 other states to cast ballots for a Democratic presidential nominee. Vermont Sen. Bernie Sanders enjoys a 17-point lead in the Golden State, according to a recent poll commissioned by KQED. Massachusetts Sen. Elizabeth Warren, a fellow progressive, polled second among likely Democratic primary voters. Also this week, five other Democratic presidential hopefuls joined Sens. Sanders and Warren on a debate stage in South Carolina where polls open on Saturday. Sanders received the brunt of the attacks while former Vice President Joe Biden appealed to African American voters with whom he still enjoys strong support. \u003c/span>\u003c/p>\n\u003cp>\u003cb>Guests:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Scott Shafer, senior editor of politics and government, KQED\u003c/span>\u003c/li>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Marisa Lagos, politics and government correspondent, KQED\u003c/span>\u003c/li>\n\u003c/ul>\n\u003cp>\u003cb>Trump Visits India, a Hotbed of Talent and Investment for Silicon Valley\u003c/b>\u003cbr>\n\u003cspan style=\"font-weight: 400\">This week, President Trump wrapped up a two-day trip to India, his first official visit to the nation. A party-like atmosphere punctuated much of the visit as Trump spoke effusively about America’s alliance with India. But as Trump praised Prime Minister Narendra Modi’s leadership, violent clashes between Hindus and Muslims left dozens dead. The trip also concluded without an economic trade deal between India and the U.S. Meanwhile, California universities attract thousands of Indian students each year and tech giants are investing heavily in India, the world’s fifth-largest economy. \u003c/span>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>About a year ago, \u003ca href=\"https://www.kqed.org/news/11722735/munchery-folds-and-these-local-businesses-are-paying-the-price\">KQED reported\u003c/a> that an on-demand food delivery service called Munchery had abruptly shut down and filed for Chapter 11 bankruptcy. When it went bust, at least a dozen bakers and chefs in San Francisco that had prepared food for the company were left in the lurch.\u003c/p>\n\u003cp>It was a classic venture capital story: A startup gets a bunch of money, grows fast and then crashes, burning those it owes money to, particularly vendors and suppliers whose \u003ca href=\"https://www.accountingcoach.com/blog/what-is-an-unsecured-creditor\" target=\"_blank\" rel=\"noopener noreferrer\">credit is not secured\u003c/a>. When Munchery shut down, it owed at least $50,000 to small business owners in San Francisco alone.\u003c/p>\n\u003cp>But this time the story has a surprise ending. After a year, the bakers and chefs finally succeeded in getting their money back.\u003c/p>\n\u003cp>On Christmas Eve, a UPS delivery driver dropped off an envelope at Three Babes Bakeshop in the city’s Portola neighborhood. Inside was a check for $18,000. “I was so surprised I shrieked,” said owner Lenore Estrada.\u003c/p>\n\u003cp>That check — almost all of the money Munchery owed Estrada when it closed last year — came with an unsigned note indicating it was from some “unspecified” investors and executives of the company.\u003c/p>\n\u003cfigure id=\"attachment_11804188\" class=\"wp-caption alignnone\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41666_002_KQED_ThreeBabesBakeshop_02282020_4480-qut.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11804188\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41666_002_KQED_ThreeBabesBakeshop_02282020_4480-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41666_002_KQED_ThreeBabesBakeshop_02282020_4480-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41666_002_KQED_ThreeBabesBakeshop_02282020_4480-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41666_002_KQED_ThreeBabesBakeshop_02282020_4480-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41666_002_KQED_ThreeBabesBakeshop_02282020_4480-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Caleb Roark puts crumble on a blackberry pie at the Three Babes Bakeshop in San Francisco on Feb. 28, 2020. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Until then, Estrada had assumed there was no way she would ever get that money back. Under Chapter 11 bankruptcy law, the company was not legally required to pay back vendors like Estrada, even though they had taken her pies and sold them. Estrada was incensed. She refused to just sit by and allow the company and its investors to ignore her.\u003c/p>\n\u003cp>First, Estrada took to social media to call out Munchery and its investors. Then she decided to hold a bake sale protest outside the offices of one of the venture capitalists who had invested in Munchery. After KQED reported it, \u003ca href=\"https://www.marketplace.org/2019/02/19/food-delivery-startup-munchery-folds-leaving-small-businesses-hook/\">the story got picked up by national news outlets.\u003c/a> Estrada thinks that attention did the trick.\u003c/p>\n\u003cp>[pullquote size='medium' align='right' citation=\"Lenore Estrada, Three Babes Bakeshop\"]‘There is something inherently wrong about the way the system is set up.’[/pullquote]\u003c/p>\n\u003cp>“I think if we hadn’t stood up for ourselves and I hadn’t organized that protest and if we hadn’t made it really really public and sort of embarrassing for the Munchery investors and executives, I definitely don’t think we would have gotten paid,” she said.\u003c/p>\n\u003cp>Estrada calls the unexpected reimbursement a “Christmas miracle.” It allowed her to give her employees holiday bonuses. But while grateful for the check, she said it doesn’t excuse what happened.\u003c/p>\n\u003cp>While she was scrambling to cover her $18,000 loss last year, many Munchery investors were making ample amounts of money on their other bets. Take Menlo Ventures: The firm lost money with Munchery but hit the jackpot with Uber, raking in millions in returns that it’s now investing in a new round of companies.\u003c/p>\n\u003cfigure id=\"attachment_11804192\" class=\"wp-caption alignnone\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41667_003_KQED_ThreeBabesBakeshop_02282020_4483-qut.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11804192\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41667_003_KQED_ThreeBabesBakeshop_02282020_4483-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41667_003_KQED_ThreeBabesBakeshop_02282020_4483-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41667_003_KQED_ThreeBabesBakeshop_02282020_4483-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41667_003_KQED_ThreeBabesBakeshop_02282020_4483-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41667_003_KQED_ThreeBabesBakeshop_02282020_4483-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Zoe Williams boxes pies at Three Babes Bakeshop in San Francisco on Feb. 28, 2020. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>This, of course, is not how business works for a baker or for any other small business. Think about it in terms of pies.\u003c/p>\n\u003cp>“If I make tons of money on apple pies but lose tons of money on cherry pies,” Estrada said, “I still have to pay for the cherries and the labor to make the cherry pies.”\u003c/p>\n\u003cp>Of venture capital, Estrada said, “There is something inherently wrong about the way the system is set up.”\u003c/p>\n\u003cp>Menlo Ventures, one of the Munchery’s investors, declined to comment.\u003c/p>\n\u003cp>Other venture capitalists, like Eric Paley, a managing partner at Founder Collective in Cambridge, Massachusetts, said he agrees with Estrada that there are some things inherently wrong in the system.\u003c/p>\n\u003cp>“Most of the venture industries are really driven off the home runs,” Paley said. “Many VCs would rather push a business harder and see it fail than risk that it turns out to be an OK business.”\u003c/p>\n\u003cp>[aside label=\"related coverage\" tag=\"venture-capital\"]An OK, or even a good business, might be good for society by doing something like, say, providing pies, but it doesn’t deliver the windfall profits that venture capitalists are hunting for, Paley explained.\u003c/p>\n\u003cp>way of investing is increasingly becoming a part of how America does business. Venture capital investment in U.S. companies has risen every year since the financial crisis in 2008, and it is currently at an all time high.\u003c/p>\n\u003cp>\u003ca href=\"https://pitchbook.com/media/press-releases/us-venture-capital-investment-surpasses-130-billion-in-2019-for-second-consecutive-year\">According to PitchBook\u003c/a>, $136 billion of VC money was poured into U.S. companies last year alone. To put that in perspective, that’s roughly $415 venture capital dollars invested last year for every child, woman and man in the country.\u003c/p>\n\u003cp>Paley said the entire venture capitalist ecosystem has grown toxic, with many investors encouraging companies to grow fast at all costs.\u003c/p>\n\u003cp>“If you put rocket fuel in a really nice car, you’re going to blow up that car,” he said.\u003c/p>\n\u003cp>And you don’t even have to blow up the car to do serious damage, said Gerald Friedman, an economics professor at University of Massachusetts at Amherst. Just injecting tons of venture capital investment, which needs big returns to pay off, introduces a dangerous level of volatility, he said. Or, put more simply, “Hot money makes economies less stable,” he said.\u003c/p>\n\u003cfigure id=\"attachment_11804196\" class=\"wp-caption alignnone\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41673_009_KQED_ThreeBabesBakeshop_02282020_4559-qut.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41673_009_KQED_ThreeBabesBakeshop_02282020_4559-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" class=\"size-full wp-image-11804196\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41673_009_KQED_ThreeBabesBakeshop_02282020_4559-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41673_009_KQED_ThreeBabesBakeshop_02282020_4559-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41673_009_KQED_ThreeBabesBakeshop_02282020_4559-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41673_009_KQED_ThreeBabesBakeshop_02282020_4559-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Freshly baked pies at Three Babes Bakeshop in San Francisco. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Friedman and Paley both said there’s far too much venture capital in the system, which contributes to frequent booms and busts. Venture capitalists reap the rewards of the booms, but during the inevitable busts, smaller businesses who don’t have large stockpiles of cash to absorb the blows bear the brunt.\u003c/p>\n\u003cp>“It creates an asymmetric situation. They can win, while you’re losing,” Friedman said.\u003c/p>\n\u003cp>Estrada said she’s happy she fought to get her money back. It means she can follow through with her plan to open a storefront at the end of March and focus exclusively on her business, rather than trying to hold venture capitalists accountable.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>That’s important, because unlike in the world of venture capital, Estrada doesn’t have the luxury of placing multiple bets and seeing which one pays off. She makes pies. And she only gets paid for the ones she sells, be they cherry, apple or bourbon pecan.\u003c/p>\n\u003cp>From this reporter’s vantage point, not a single one of them looks like a bad bet at all.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"title": "Meet the SF Baker Who Got Her Money Back From the Venture Capitalists | KQED",
"description": "Last year, the on-demand San Francisco food startup Munchery abruptly shut down and then filed for Chapter 11 bankruptcy, leaving at least a dozen local bakers and chefs in the lurch, a situation that's become increasingly common in the world of venture capital-funded enterprises. ",
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"headline": "Meet the SF Baker Who Got Her Money Back From the Venture Capitalists",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>About a year ago, \u003ca href=\"https://www.kqed.org/news/11722735/munchery-folds-and-these-local-businesses-are-paying-the-price\">KQED reported\u003c/a> that an on-demand food delivery service called Munchery had abruptly shut down and filed for Chapter 11 bankruptcy. When it went bust, at least a dozen bakers and chefs in San Francisco that had prepared food for the company were left in the lurch.\u003c/p>\n\u003cp>It was a classic venture capital story: A startup gets a bunch of money, grows fast and then crashes, burning those it owes money to, particularly vendors and suppliers whose \u003ca href=\"https://www.accountingcoach.com/blog/what-is-an-unsecured-creditor\" target=\"_blank\" rel=\"noopener noreferrer\">credit is not secured\u003c/a>. When Munchery shut down, it owed at least $50,000 to small business owners in San Francisco alone.\u003c/p>\n\u003cp>But this time the story has a surprise ending. After a year, the bakers and chefs finally succeeded in getting their money back.\u003c/p>\n\u003cp>On Christmas Eve, a UPS delivery driver dropped off an envelope at Three Babes Bakeshop in the city’s Portola neighborhood. Inside was a check for $18,000. “I was so surprised I shrieked,” said owner Lenore Estrada.\u003c/p>\n\u003cp>That check — almost all of the money Munchery owed Estrada when it closed last year — came with an unsigned note indicating it was from some “unspecified” investors and executives of the company.\u003c/p>\n\u003cfigure id=\"attachment_11804188\" class=\"wp-caption alignnone\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41666_002_KQED_ThreeBabesBakeshop_02282020_4480-qut.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11804188\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41666_002_KQED_ThreeBabesBakeshop_02282020_4480-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41666_002_KQED_ThreeBabesBakeshop_02282020_4480-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41666_002_KQED_ThreeBabesBakeshop_02282020_4480-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41666_002_KQED_ThreeBabesBakeshop_02282020_4480-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41666_002_KQED_ThreeBabesBakeshop_02282020_4480-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Caleb Roark puts crumble on a blackberry pie at the Three Babes Bakeshop in San Francisco on Feb. 28, 2020. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Until then, Estrada had assumed there was no way she would ever get that money back. Under Chapter 11 bankruptcy law, the company was not legally required to pay back vendors like Estrada, even though they had taken her pies and sold them. Estrada was incensed. She refused to just sit by and allow the company and its investors to ignore her.\u003c/p>\n\u003cp>First, Estrada took to social media to call out Munchery and its investors. Then she decided to hold a bake sale protest outside the offices of one of the venture capitalists who had invested in Munchery. After KQED reported it, \u003ca href=\"https://www.marketplace.org/2019/02/19/food-delivery-startup-munchery-folds-leaving-small-businesses-hook/\">the story got picked up by national news outlets.\u003c/a> Estrada thinks that attention did the trick.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "‘There is something inherently wrong about the way the system is set up.’",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“I think if we hadn’t stood up for ourselves and I hadn’t organized that protest and if we hadn’t made it really really public and sort of embarrassing for the Munchery investors and executives, I definitely don’t think we would have gotten paid,” she said.\u003c/p>\n\u003cp>Estrada calls the unexpected reimbursement a “Christmas miracle.” It allowed her to give her employees holiday bonuses. But while grateful for the check, she said it doesn’t excuse what happened.\u003c/p>\n\u003cp>While she was scrambling to cover her $18,000 loss last year, many Munchery investors were making ample amounts of money on their other bets. Take Menlo Ventures: The firm lost money with Munchery but hit the jackpot with Uber, raking in millions in returns that it’s now investing in a new round of companies.\u003c/p>\n\u003cfigure id=\"attachment_11804192\" class=\"wp-caption alignnone\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41667_003_KQED_ThreeBabesBakeshop_02282020_4483-qut.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11804192\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41667_003_KQED_ThreeBabesBakeshop_02282020_4483-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41667_003_KQED_ThreeBabesBakeshop_02282020_4483-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41667_003_KQED_ThreeBabesBakeshop_02282020_4483-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41667_003_KQED_ThreeBabesBakeshop_02282020_4483-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41667_003_KQED_ThreeBabesBakeshop_02282020_4483-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Zoe Williams boxes pies at Three Babes Bakeshop in San Francisco on Feb. 28, 2020. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>This, of course, is not how business works for a baker or for any other small business. Think about it in terms of pies.\u003c/p>\n\u003cp>“If I make tons of money on apple pies but lose tons of money on cherry pies,” Estrada said, “I still have to pay for the cherries and the labor to make the cherry pies.”\u003c/p>\n\u003cp>Of venture capital, Estrada said, “There is something inherently wrong about the way the system is set up.”\u003c/p>\n\u003cp>Menlo Ventures, one of the Munchery’s investors, declined to comment.\u003c/p>\n\u003cp>Other venture capitalists, like Eric Paley, a managing partner at Founder Collective in Cambridge, Massachusetts, said he agrees with Estrada that there are some things inherently wrong in the system.\u003c/p>\n\u003cp>“Most of the venture industries are really driven off the home runs,” Paley said. “Many VCs would rather push a business harder and see it fail than risk that it turns out to be an OK business.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>An OK, or even a good business, might be good for society by doing something like, say, providing pies, but it doesn’t deliver the windfall profits that venture capitalists are hunting for, Paley explained.\u003c/p>\n\u003cp>way of investing is increasingly becoming a part of how America does business. Venture capital investment in U.S. companies has risen every year since the financial crisis in 2008, and it is currently at an all time high.\u003c/p>\n\u003cp>\u003ca href=\"https://pitchbook.com/media/press-releases/us-venture-capital-investment-surpasses-130-billion-in-2019-for-second-consecutive-year\">According to PitchBook\u003c/a>, $136 billion of VC money was poured into U.S. companies last year alone. To put that in perspective, that’s roughly $415 venture capital dollars invested last year for every child, woman and man in the country.\u003c/p>\n\u003cp>Paley said the entire venture capitalist ecosystem has grown toxic, with many investors encouraging companies to grow fast at all costs.\u003c/p>\n\u003cp>“If you put rocket fuel in a really nice car, you’re going to blow up that car,” he said.\u003c/p>\n\u003cp>And you don’t even have to blow up the car to do serious damage, said Gerald Friedman, an economics professor at University of Massachusetts at Amherst. Just injecting tons of venture capital investment, which needs big returns to pay off, introduces a dangerous level of volatility, he said. Or, put more simply, “Hot money makes economies less stable,” he said.\u003c/p>\n\u003cfigure id=\"attachment_11804196\" class=\"wp-caption alignnone\" style=\"max-width: 1920px\">\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41673_009_KQED_ThreeBabesBakeshop_02282020_4559-qut.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41673_009_KQED_ThreeBabesBakeshop_02282020_4559-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" class=\"size-full wp-image-11804196\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41673_009_KQED_ThreeBabesBakeshop_02282020_4559-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41673_009_KQED_ThreeBabesBakeshop_02282020_4559-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41673_009_KQED_ThreeBabesBakeshop_02282020_4559-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41673_009_KQED_ThreeBabesBakeshop_02282020_4559-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Freshly baked pies at Three Babes Bakeshop in San Francisco. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Friedman and Paley both said there’s far too much venture capital in the system, which contributes to frequent booms and busts. Venture capitalists reap the rewards of the booms, but during the inevitable busts, smaller businesses who don’t have large stockpiles of cash to absorb the blows bear the brunt.\u003c/p>\n\u003cp>“It creates an asymmetric situation. They can win, while you’re losing,” Friedman said.\u003c/p>\n\u003cp>Estrada said she’s happy she fought to get her money back. It means she can follow through with her plan to open a storefront at the end of March and focus exclusively on her business, rather than trying to hold venture capitalists accountable.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>That’s important, because unlike in the world of venture capital, Estrada doesn’t have the luxury of placing multiple bets and seeing which one pays off. She makes pies. And she only gets paid for the ones she sells, be they cherry, apple or bourbon pecan.\u003c/p>\n\u003cp>From this reporter’s vantage point, not a single one of them looks like a bad bet at all.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"slug": "latino-small-business-owners-are-the-fastest-growing-group-of-entrepreneurs-in-the-us",
"title": "Latino Small Business Owners are the Fastest-Growing Group of Entrepreneurs in the US",
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"headTitle": "Latino Small Business Owners are the Fastest-Growing Group of Entrepreneurs in the US | KQED",
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"content": "\u003cp>On the weekends, Salinas food truck owner Orlando Osornio, 30, and his wife, Denise, sell mile-high tortas filled with California fusion-inspired ingredients: hot Cheetos, bacon, mango-habañero sauce, or pineapple. Some come for the birria torta or the chicken-bacon-alfredo torta.\u003c/p>\n\u003cp>A line of customers winds its way around the side of his tent as meat sizzles on the grills. On the other side of the mesh, Osornio and his crew pack and stack toasted buns as fast as they can.\u003c/p>\n\u003cp>Two years ago, when Osornio, who is Mexican American, was contemplating launching Tortas Al 100, he knew one thing: He didn’t want to apply for a loan. Osornio had racked up “about $30,000” in credit card debt as a teenager and when life smacked him in the face in his early 20s, he got serious about paying it down and fixing his credit score.\u003c/p>\n\u003cfigure id=\"attachment_11803667\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11803667\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41591_LATINO-BUSINESS-OWNERS-photo-1-qut-800x572.jpg\" alt=\"\" width=\"800\" height=\"572\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41591_LATINO-BUSINESS-OWNERS-photo-1-qut-800x572.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41591_LATINO-BUSINESS-OWNERS-photo-1-qut-160x114.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41591_LATINO-BUSINESS-OWNERS-photo-1-qut-1020x729.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41591_LATINO-BUSINESS-OWNERS-photo-1-qut.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Orlando Osornio owns Tortas Al 100 in Salinas. \u003ccite>(Kate Cimini/The Salinas Californian)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>That experience, he said, was what prompted him to forgo applying for a small business loan. Instead, Osornio estimated he and his wife spent at least $50,000 of their salaries on the burgeoning business, including food, four grills, a tent and more during its first year of operation.\u003c/p>\n\u003cp>Latino small business owners like Osornio are the fastest-growing group of entrepreneurs in the U.S., even as they battle systemic racism that has resulted in lower incomes and loan rates. Over the past 10 years, the number of Latino business owners grew 34%, compared to 1% for all business owners in the United States, according to a recent study from Stanford University. And more Latinos than ever are applying for small business loans to launch or grow their operations.\u003c/p>\n\u003ch3>Becoming an Economic Force\u003c/h3>\n\u003cp>The growing success of Latino small business owners comes as Latinos are increasingly becoming an economic force in the U.S. The same Stanford study found Latino-owned businesses contributed about $500 billion to the economy in annual sales.\u003c/p>\n\u003cp>A 2019 report to Congress based on data from 2017 found almost 60 million Latinos in the United States already account for $2.3 trillion in economic activity in total, which on its own would rank as the eighth largest economy in the world. And Latinos are projected to make up 30% of the U.S. population by 2020, meaning the group’s contributions are likely to grow.\u003c/p>\n\u003cp>Latino-owned businesses employ more than 3 million people, the 2019 State of Latino Entrepreneurship report by the Stanford Latino Entrepreneurship Initiative (SLEI), a Stanford University research initiative centered around Latinos in business, found. All told, Latino-owned businesses account for about 4% of U.S. business revenues and 5.5% of U.S. employment.\u003c/p>\n\u003cp>However, Latino-owned companies remain smaller than white-owned firms, averaging only $1.2 million in revenue compared with $2.3 million brought in by a white-owned company.\u003c/p>\n\u003cp>That is a problem, said Jerry Porras, a professor of organizational behavior and change emeritus at Stanford Business School, co-founder of the Latino Business Action Network, a nonprofit out of Stanford University focused on empowering Latino business owners, and co-director of SLEI.\u003c/p>\n\u003cp>“I think that there’s really a positive story when you look at Latino businesses across the country,” said Porras. “The number is smaller as a base but its growing very rapidly. Latinos are oriented towards starting businesses and are doing it at a significant rate.”\u003c/p>\n\u003cp>If Latino-owned employer firms were given the same chances, Porras said, they would generate an additional $4 billion in revenue and 1 million jobs.\u003c/p>\n\u003ch3>Younger Than Other Entrepreneurs\u003c/h3>\n\u003cp>Across the U.S., Latinos are represented in all the major industry sectors, owning businesses in manufacturing, education, health services, finance, construction and more.\u003c/p>\n\u003cp>Latino business owners tend to be younger than non-Latino business owners. Roughly 33% of Latino entrepreneurs are younger than 45, compared to just 22% of non-Latino entrepreneurs.\u003c/p>\n\u003cp>For every 100,000 Latino adults in the United States, on average 510 became entrepreneurs each month in 2018.\u003c/p>\n\u003cp>However, research by the \u003ca href=\"https://drum.lib.umd.edu/bitstream/handle/1903/24590/racialwealthgapbrief.pdf?sequence=1\" target=\"_blank\" rel=\"noopener noreferrer\">Institute on Assets and Social Policy\u003c/a>, an institute that studies economic opportunities for people of color, evidences that historic disenfranchisement of people of color has led to those very people having less generational wealth than white people.\u003c/p>\n\u003cp>Furthermore, policies that favor the affluent have continued to widen the gap, particularly between white families and black or Latino families.\u003c/p>\n\u003cp>While the income gap between blacks and whites closed somewhat between 1970 to 2016, \u003ca href=\"https://www.pewresearch.org/fact-tank/2019/11/11/who-is-hispanic/\" target=\"_blank\" rel=\"noopener noreferrer\">Hispanics\u003c/a> fell even further behind at all income levels, the \u003ca href=\"https://www.pewresearch.org/fact-tank/2018/07/12/key-findings-on-the-rise-in-income-inequality-within-americas-racial-and-ethnic-groups/\" target=\"_blank\" rel=\"noopener noreferrer\">Pew Research Center think tank\u003c/a> found in 2018. Even top-earning Hispanics earned only 65% as much as whites in 2016, down from 74% in 1970.\u003c/p>\n\u003cp>Latinos, on average, continue to make lower salaries than white people, research out of Stanford showed.\u003c/p>\n\u003cp>In the end, this combination means Latinos typically have lower credit scores, which, in turn, can mean higher interest rates or being turned down for loans.\u003c/p>\n\u003cp>According to a report submitted to the \u003ca href=\"https://financialservices.house.gov/uploadedfiles/hhrg-116-ba00-wstate-brownj-20190226.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">U.S. House Financial Services Committee in 2019\u003c/a> by UnidosUS, a nonpartisan think tank focused on the Hispanic community, banks originally had loan officers who determined the “trustworthiness” of a loan applicant. As such, people of color were often discriminated against.\u003c/p>\n\u003cp>In the following decades, banks lost their loan officers to the war effort, and soon invented credit scores as a stand-in. However, these, too, had their issues as they were built on longstanding disparities and have resulted in communities of color, young adults, people with low income and immigrants having disproportionately low credit scores.\u003c/p>\n\u003cp>According to the \u003ca href=\"https://www.gsb.stanford.edu/sites/gsb/files/publication-pdf/slei-report-2018-latino-owned-businesses-shinging-light-national-trends.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">2017 Small Business Credit Study\u003c/a> by the Federal Reserve Banks, of applicants denied credit, 45% of Latino applicants were denied for insufficient credit history and 37% were denied for having too low a credit score. (Applicants could choose more than one response.) In comparison, white applicants were turned away at rates of 33% and 26% for the same reasons.\u003c/p>\n\u003cp>“I think the Latino story in some ways follows the story of why black families have less wealth than white people today,” said Urban Institute research fellow Steven Brown. “There is a lack of the same kind of resources that help build wealth.\u003c/p>\n\u003cp>Brown cited restricted access to homeownership under policies such as “redlining” as a primary way Latinos were kept from building generational wealth. For decades, black and Latino neighborhoods were unfairly deemed too risky for loans and mortgages through redlining. That left people in those neighborhoods reliant on speculators or private sales.\u003c/p>\n\u003cp>“When Latinos have been able to buy homes, they have historically been relegated to neighborhoods where the homes didn’t have as much value so they’re unable to build as much wealth and pass it on,” said Brown.\u003c/p>\n\u003cp>In more recent years, as Latinos have become more prominent in U.S. culture, their economic standing is also rising.\u003c/p>\n\u003cp>A \u003ca href=\"https://www.biz2credit.com/research-reports/latino-small-business-study-2019\" target=\"_blank\" rel=\"noopener noreferrer\">2019 study\u003c/a> of 61,000 small-business loan applications submitted to Biz2Credit’s online marketplace found that the number of credit applications from Latino-owned businesses rose 23% from 2018 to 2019.\u003c/p>\n\u003ch3>Outpacing US Economy\u003c/h3>\n\u003cp>And over the last year, Latino-owned businesses reported an average revenue growth of 14%, outpacing the growth of the U.S. economy, the Stanford report showed.\u003c/p>\n\u003cp>While revenues climbed, though, the average credit scores of Latino business owners dipped to 588 from 594 last year, according to Biz2Credit.\u003c/p>\n\u003cp>According to Biz2Credit’s CEO, Rohit Arora, that could indicate business owners are using personal credit cards to fund their business growth if their companies did not qualify for loans. Furthermore, cost management can be difficult for young businesses, which may factor into the dip in scores.\u003c/p>\n\u003cp>“When credit scores are less than 600, it is hard to get traditional bank loans,” Arora said in the report his firm released.\u003c/p>\n\u003cp>Porras said the lack of credit can force Latino business owners to make riskier financial decisions, such as relying on personal credit cards to grow their business, or taking out a loan on their accounts receivable.\u003c/p>\n\u003cp>“By and large, I think Latinos are very unsuccessful in securing loans from the more professional sources,” said Porras. “It’s the smaller ones that are hurting the most,” added Porras, referencing business size.\u003c/p>\n\u003cp>In other cases, Latino borrowers may be less trusting of financial institutions as a whole, based either on past experiences or a general understanding of systemic racism by lending institutions.\u003c/p>\n\u003cp>“Latinos have to pay more for interest,” said Fausta Ibarra, 59, who owns her own hair salon, Tropical Cuts, in Salinas, California. “We have to pay more for everything.”\u003c/p>\n\u003cp>Ibarra, who calls herself a “cien por ciento,” or 100%, Mexican woman, herself had poor credit, after issues with a house she and her sisters bought together in the early 1990s. When she applied for a loan in 1993 to open her hair salon, a brightly lit salon tucked into a small strip mall in Salinas, Washington Mutual Bank denied the loan. (The bank collapsed in 2008 during the financial crisis.)\u003c/p>\n\u003cp>She ended up borrowing nearly $30,000 from friends, family and coworkers, slowly paying them back one by one.\u003c/p>\n\u003cp>Later, when Ibarra tried to purchase a home in 1996, her low credit still held her back. There was, however, another way, the realtor told her. Ibarra ended up paying more than the house was on the market for, and she had to borrow from friends and family so she could put down a deposit of $10,000, twice what she was prepared to pay out of pocket. Ibarra felt taken advantage of.\u003c/p>\n\u003cp>“Los Latinos tienen que ganarse el pan cada día,” said Ibarra in her native Spanish. “Yo sí pienso que los Latinos pueden contribuir más si nos dan la oportunidad para sacar adelante a nuestros hijos. Yo pienso que todos tenemos las ganas de progresar pero no se nos dan las facilidades que se les da a una persona ciudadana de aquí.”\u003c/p>\n\u003cp>That translates in English to: “Latinos have to start all over again, every day,” said Ibarra. “I do think that Latinos can contribute more to this country if they give us the same opportunity to better ourselves and our children. I think we all want to progress, but they don’t give us the same tools they give someone who was born here.”\u003c/p>\n\u003cp>Today, black people and Latinos continue to be routinely denied conventional mortgage loans at rates far higher than their white counterparts, according to Home Mortgage Disclosure Act records \u003ca href=\"https://www.revealnews.org/article/for-people-of-color-banks-are-shutting-the-door-to-homeownership/\" target=\"_blank\" rel=\"noopener noreferrer\">analyzed by Reveal\u003c/a> for The Center for Investigative Reporting in 2018.\u003c/p>\n\u003cp>The analysis showed black applicants were turned away at significantly higher rates than whites in 48 cities, and Latinos in 25, even when controlling for loan size, neighborhood and income.\u003c/p>\n\u003cp>In other instances, black or Latino applicants were steered toward higher-cost, riskier loans.\u003c/p>\n\u003cp>Bank of America, for example, agreed to a $335 million payout to the Justice Department on behalf of its mortgage lender, Countrywide. Prior to Bank of America’s purchase of the lending institution, Countrywide purposely charged more than 200,000 black and Latino borrowers more for their mortgage loans than white borrowers with similar qualifications between 2004 and 2008.\u003c/p>\n\u003cp>The lender advised those borrowers of color to take out risky sub-prime loans, even when they qualified for prime loans, or simply charged them higher rates.\u003c/p>\n\u003cp>Other lending institutions, such as Wells Fargo, have had similar claims levied against them.\u003c/p>\n\u003ch3>Latinos Turn to Friends, Family for Seed Money\u003c/h3>\n\u003cp>According to the 2019 Stanford report, Latinos get loans from local banks at a much higher rate than they do from national banks.\u003c/p>\n\u003cp>However, local banks are disappearing across the United States and in California, thanks to what some say are more onerous federal regulations, potentially leaving Latinos out in the cold. According to data provided by the Federal Deposit Insurance Corporation (FDIC), as of Dec. 31, 2001, 8,080 FDIC-insured community banks existed in the country. By Dec. 31, 2018, 5,406 remained.\u003c/p>\n\u003cp>“The local banks are tied to the community more tightly,” said Porras. “If the community has more Latino businesses, the relationships are built up and they grow. National banks lag behind there because local banks work harder to network with the businesses in their communities.\u003c/p>\n\u003cp>When local banks are not available, instead of applying to larger loan institutions, many Latinos turn to friends, family and crowdfunding for seed money.\u003c/p>\n\u003cfigure id=\"attachment_11803669\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11803669\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41593_LATINO-BUSINESS-OWNERS-photo-3-qut-800x533.jpg\" alt=\"\" width=\"800\" height=\"533\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41593_LATINO-BUSINESS-OWNERS-photo-3-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41593_LATINO-BUSINESS-OWNERS-photo-3-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41593_LATINO-BUSINESS-OWNERS-photo-3-qut-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41593_LATINO-BUSINESS-OWNERS-photo-3-qut.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Brew-N-Krew co-owners Marlene and Steven Garcia serve customers at Steinbeck’s Home Brew Fest. \u003ccite>(Kate Cimini/The Salinas Californian)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>In Salinas, a small city surrounded by rich agricultural land, U.S. Census Bureau data shows 78.7% of the some-156,000 residents are Hispanic or Latino. While the city’s agricultural industry thrives financially, thanks to the tens of thousands of Latino farmworkers that flow in and out of Salinas every year, the average farmworker takes home just $17,500 a year, according to the U.S. Department of Labor. More than 17% of its residents live in poverty.\u003c/p>\n\u003cp>Still, Latino entrepreneurship is evident in Salinas. Latino-owned restaurants, barbershops, grocery stores, showrooms like this \u003ca href=\"https://www.craftsmenind.com/mobile-showroom-trailer-truck\">\u003cstrong>trailer mobile showroom\u003c/strong>\u003c/a> and more have risen out of the landscape all over town, tucked into plazas and surrounding big box stores. Nearly 30% of all businesses in Monterey County, where Salinas rests, are owned by Hispanic or Latino people, per data provided by the Monterey County Workforce Development Board from the 2012 American Community Survey.\u003c/p>\n\u003cp>Marlene Garcia, 29, is the proprietor of a homebrew operation turned commercial brewery that will open in Salinas in the spring. She borrowed $210,000 from her mother to start up her operation.\u003c/p>\n\u003cp>Salinas’s downtown is just three blocks long, but Garcia’s brewery, Brew & Krew, will open on the 100 block of Main Street, near four other Latino-owned businesses that have opened (or re-opened under new ownership) in the last two years. The growth is notable on a side of town that is inhabited primarily by white residents.\u003c/p>\n\u003cp>“I am honestly so thankful for my parents, both of them,” said Garcia, reminiscing about her parents’ insistence that she help with the family businesses.\u003c/p>\n\u003cp>Her parents, Graciela and Gildardo, worked in fields after immigrating to the U.S. from Guanajuato, Mexico. Every month or so, they would go to Los Angeles, five hours away, to stock up on Mexican candy, piñatas and cassette tapes, Garcia said. Then, they would turn around and sell them at the Santa Cruz weekend flea market in central California, dragging their children with them.\u003c/p>\n\u003cp>It was there that Garcia learned the dedication it took to run a business, even as she told her parents she never wanted to own her own operation.\u003c/p>\n\u003cp>“Growing up, my entire life, we would go to the flea market,” said Garcia. “We’d wake up super early, drive to Santa Cruz, and work. I remember telling my parents, ‘I don’t want this, I don’t want to go into business.’ ”\u003c/p>\n\u003cp>“Now that I’m older, I appreciate everything they did. I see why they did that.”\u003c/p>\n\u003cp>The Garcias opened another stand in another flea market, then a taquería. Finally, they sold all their businesses and took out their first loan of $80,000 to open a liquor store in Gilroy. They named the store La Flor de Jalisco.\u003c/p>\n\u003cp>[aside tag=\"latino\" label=\"More Related Stories\"]\u003c/p>\n\u003cp>When Garcia wanted to open her own brewery, her mother became her silent business partner.\u003c/p>\n\u003cp>“Because of them, because of the way they saved, because they saved, a lot of the money that has been invested came from my mom,” said Garcia.\u003c/p>\n\u003cp>Garcia is in the process of applying for her first loan — a Small Business Administration loan for $480,000 to open her business. She credits her mother’s help in allowing her to not rack up debt and interest rates.\u003c/p>\n\u003cp>Although the space is still unfinished, Garcia has big plans for her small brewery. She wants large, stainless steel canisters in the back, behind a large pane of glass, so brew enthusiasts can watch the brewers at work as they sip on suds.\u003c/p>\n\u003cp>She hopes to connect with other business owners in the area to cross-promote, whether it be with the cinema next door or the sandwich shop across the street.\u003c/p>\n\u003cp>“Hispanic parents are never excited to hand out money,” Garcia said, laughing. “But she believed in it, she saw that people really do like beer. If she wouldn’t seen that reaction, it would have been harder to convince her.”\u003c/p>\n\u003cfigure id=\"attachment_11803671\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11803671\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41594_LATINO-BUSINESS-OWNERS-photo-4-qut-800x567.jpg\" alt=\"\" width=\"800\" height=\"567\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41594_LATINO-BUSINESS-OWNERS-photo-4-qut-800x567.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41594_LATINO-BUSINESS-OWNERS-photo-4-qut-160x113.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41594_LATINO-BUSINESS-OWNERS-photo-4-qut-1020x723.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41594_LATINO-BUSINESS-OWNERS-photo-4-qut.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Osornio, owner of Tortas Al 100, closes the back of his cargo trailer. \u003ccite>(Kate Cimini/The Salinas Californian)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003ch3>‘Puro cash’\u003c/h3>\n\u003cp>Osornio’s family has a saying whenever they have to pay for something. “Puro cash,” they repeat, laughing, or pure cash in English.\u003c/p>\n\u003cp>The joke is based on Osornio’s father. Years ago, when he was purchasing a car for his wife, the salesman asked him if he wanted to finance.\u003c/p>\n\u003cp>“No,” said Osornio the elder. “Puro cash.”\u003c/p>\n\u003cp>Despite the financial savvy his father displayed, Orsonio said his parents rarely talked money management with him. All he recalls was being told credit cards were for emergencies only, a lesson that, like many teenagers, he immediately disregarded as soon as he got one of his own.\u003c/p>\n\u003cp>The experience of wiggling out from under a pile of debt taught Osornio that he wanted applying for a loan to be “a last resort.”\u003c/p>\n\u003cp>Years later, Osornio has managed to build such a successful business with his unique torta recipes that he routinely fields offers from locals to invest in or outright purchase his business — and his recipes — from him.\u003c/p>\n\u003cp>And that, advocates have said, is the hidden silver lining for Latino entrepreneurs: even more untapped potential.\u003c/p>\n\u003cp>According to a 2017 \u003ca href=\"http://research.newamericaneconomy.org/wp-content/uploads/sites/2/2017/12/Hispanic_V5.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">New American Economy report\u003c/a> on the power of Hispanics in the U.S., Hispanic entrepreneurs own a large chunk of transportation and warehouse businesses, laying claim to more than 20% of the industry in 2012. They also owned about 12% of the country’s construction firms.\u003c/p>\n\u003cp>Advocates say that, given a chance, Latinos could grow their portion of the economy even further. However, the “opportunity gap” between Latinos and their white, business-owning\u003cbr>\ncounterparts is wide.\u003c/p>\n\u003cp>“Wealth is the missing ingredient in the Latino community,” said Porras. “If we could add more wealth, people would consume more and grow the economy. How do we get more wealth? Grow businesses.”\u003c/p>\n\u003cp>“It’s a synergystic process,” said Porras. “In the long term, it will benefit the whole country.”\u003c/p>\n\u003cp>All Latinos need, Porras said, is a chance.\u003c/p>\n\u003cp>\u003cem>Kate Cimini is a multimedia journalist for The Californian. This article is part of \u003ca href=\"https://calmatters.org/divide/\" target=\"_blank\" rel=\"noopener noreferrer\">The California Divide\u003c/a>, a collaboration among newsrooms examining income inequity and economic survival in California.\u003c/em>\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>On the weekends, Salinas food truck owner Orlando Osornio, 30, and his wife, Denise, sell mile-high tortas filled with California fusion-inspired ingredients: hot Cheetos, bacon, mango-habañero sauce, or pineapple. Some come for the birria torta or the chicken-bacon-alfredo torta.\u003c/p>\n\u003cp>A line of customers winds its way around the side of his tent as meat sizzles on the grills. On the other side of the mesh, Osornio and his crew pack and stack toasted buns as fast as they can.\u003c/p>\n\u003cp>Two years ago, when Osornio, who is Mexican American, was contemplating launching Tortas Al 100, he knew one thing: He didn’t want to apply for a loan. Osornio had racked up “about $30,000” in credit card debt as a teenager and when life smacked him in the face in his early 20s, he got serious about paying it down and fixing his credit score.\u003c/p>\n\u003cfigure id=\"attachment_11803667\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11803667\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41591_LATINO-BUSINESS-OWNERS-photo-1-qut-800x572.jpg\" alt=\"\" width=\"800\" height=\"572\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41591_LATINO-BUSINESS-OWNERS-photo-1-qut-800x572.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41591_LATINO-BUSINESS-OWNERS-photo-1-qut-160x114.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41591_LATINO-BUSINESS-OWNERS-photo-1-qut-1020x729.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41591_LATINO-BUSINESS-OWNERS-photo-1-qut.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Orlando Osornio owns Tortas Al 100 in Salinas. \u003ccite>(Kate Cimini/The Salinas Californian)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>That experience, he said, was what prompted him to forgo applying for a small business loan. Instead, Osornio estimated he and his wife spent at least $50,000 of their salaries on the burgeoning business, including food, four grills, a tent and more during its first year of operation.\u003c/p>\n\u003cp>Latino small business owners like Osornio are the fastest-growing group of entrepreneurs in the U.S., even as they battle systemic racism that has resulted in lower incomes and loan rates. Over the past 10 years, the number of Latino business owners grew 34%, compared to 1% for all business owners in the United States, according to a recent study from Stanford University. And more Latinos than ever are applying for small business loans to launch or grow their operations.\u003c/p>\n\u003ch3>Becoming an Economic Force\u003c/h3>\n\u003cp>The growing success of Latino small business owners comes as Latinos are increasingly becoming an economic force in the U.S. The same Stanford study found Latino-owned businesses contributed about $500 billion to the economy in annual sales.\u003c/p>\n\u003cp>A 2019 report to Congress based on data from 2017 found almost 60 million Latinos in the United States already account for $2.3 trillion in economic activity in total, which on its own would rank as the eighth largest economy in the world. And Latinos are projected to make up 30% of the U.S. population by 2020, meaning the group’s contributions are likely to grow.\u003c/p>\n\u003cp>Latino-owned businesses employ more than 3 million people, the 2019 State of Latino Entrepreneurship report by the Stanford Latino Entrepreneurship Initiative (SLEI), a Stanford University research initiative centered around Latinos in business, found. All told, Latino-owned businesses account for about 4% of U.S. business revenues and 5.5% of U.S. employment.\u003c/p>\n\u003cp>However, Latino-owned companies remain smaller than white-owned firms, averaging only $1.2 million in revenue compared with $2.3 million brought in by a white-owned company.\u003c/p>\n\u003cp>That is a problem, said Jerry Porras, a professor of organizational behavior and change emeritus at Stanford Business School, co-founder of the Latino Business Action Network, a nonprofit out of Stanford University focused on empowering Latino business owners, and co-director of SLEI.\u003c/p>\n\u003cp>“I think that there’s really a positive story when you look at Latino businesses across the country,” said Porras. “The number is smaller as a base but its growing very rapidly. Latinos are oriented towards starting businesses and are doing it at a significant rate.”\u003c/p>\n\u003cp>If Latino-owned employer firms were given the same chances, Porras said, they would generate an additional $4 billion in revenue and 1 million jobs.\u003c/p>\n\u003ch3>Younger Than Other Entrepreneurs\u003c/h3>\n\u003cp>Across the U.S., Latinos are represented in all the major industry sectors, owning businesses in manufacturing, education, health services, finance, construction and more.\u003c/p>\n\u003cp>Latino business owners tend to be younger than non-Latino business owners. Roughly 33% of Latino entrepreneurs are younger than 45, compared to just 22% of non-Latino entrepreneurs.\u003c/p>\n\u003cp>For every 100,000 Latino adults in the United States, on average 510 became entrepreneurs each month in 2018.\u003c/p>\n\u003cp>However, research by the \u003ca href=\"https://drum.lib.umd.edu/bitstream/handle/1903/24590/racialwealthgapbrief.pdf?sequence=1\" target=\"_blank\" rel=\"noopener noreferrer\">Institute on Assets and Social Policy\u003c/a>, an institute that studies economic opportunities for people of color, evidences that historic disenfranchisement of people of color has led to those very people having less generational wealth than white people.\u003c/p>\n\u003cp>Furthermore, policies that favor the affluent have continued to widen the gap, particularly between white families and black or Latino families.\u003c/p>\n\u003cp>While the income gap between blacks and whites closed somewhat between 1970 to 2016, \u003ca href=\"https://www.pewresearch.org/fact-tank/2019/11/11/who-is-hispanic/\" target=\"_blank\" rel=\"noopener noreferrer\">Hispanics\u003c/a> fell even further behind at all income levels, the \u003ca href=\"https://www.pewresearch.org/fact-tank/2018/07/12/key-findings-on-the-rise-in-income-inequality-within-americas-racial-and-ethnic-groups/\" target=\"_blank\" rel=\"noopener noreferrer\">Pew Research Center think tank\u003c/a> found in 2018. Even top-earning Hispanics earned only 65% as much as whites in 2016, down from 74% in 1970.\u003c/p>\n\u003cp>Latinos, on average, continue to make lower salaries than white people, research out of Stanford showed.\u003c/p>\n\u003cp>In the end, this combination means Latinos typically have lower credit scores, which, in turn, can mean higher interest rates or being turned down for loans.\u003c/p>\n\u003cp>According to a report submitted to the \u003ca href=\"https://financialservices.house.gov/uploadedfiles/hhrg-116-ba00-wstate-brownj-20190226.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">U.S. House Financial Services Committee in 2019\u003c/a> by UnidosUS, a nonpartisan think tank focused on the Hispanic community, banks originally had loan officers who determined the “trustworthiness” of a loan applicant. As such, people of color were often discriminated against.\u003c/p>\n\u003cp>In the following decades, banks lost their loan officers to the war effort, and soon invented credit scores as a stand-in. However, these, too, had their issues as they were built on longstanding disparities and have resulted in communities of color, young adults, people with low income and immigrants having disproportionately low credit scores.\u003c/p>\n\u003cp>According to the \u003ca href=\"https://www.gsb.stanford.edu/sites/gsb/files/publication-pdf/slei-report-2018-latino-owned-businesses-shinging-light-national-trends.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">2017 Small Business Credit Study\u003c/a> by the Federal Reserve Banks, of applicants denied credit, 45% of Latino applicants were denied for insufficient credit history and 37% were denied for having too low a credit score. (Applicants could choose more than one response.) In comparison, white applicants were turned away at rates of 33% and 26% for the same reasons.\u003c/p>\n\u003cp>“I think the Latino story in some ways follows the story of why black families have less wealth than white people today,” said Urban Institute research fellow Steven Brown. “There is a lack of the same kind of resources that help build wealth.\u003c/p>\n\u003cp>Brown cited restricted access to homeownership under policies such as “redlining” as a primary way Latinos were kept from building generational wealth. For decades, black and Latino neighborhoods were unfairly deemed too risky for loans and mortgages through redlining. That left people in those neighborhoods reliant on speculators or private sales.\u003c/p>\n\u003cp>“When Latinos have been able to buy homes, they have historically been relegated to neighborhoods where the homes didn’t have as much value so they’re unable to build as much wealth and pass it on,” said Brown.\u003c/p>\n\u003cp>In more recent years, as Latinos have become more prominent in U.S. culture, their economic standing is also rising.\u003c/p>\n\u003cp>A \u003ca href=\"https://www.biz2credit.com/research-reports/latino-small-business-study-2019\" target=\"_blank\" rel=\"noopener noreferrer\">2019 study\u003c/a> of 61,000 small-business loan applications submitted to Biz2Credit’s online marketplace found that the number of credit applications from Latino-owned businesses rose 23% from 2018 to 2019.\u003c/p>\n\u003ch3>Outpacing US Economy\u003c/h3>\n\u003cp>And over the last year, Latino-owned businesses reported an average revenue growth of 14%, outpacing the growth of the U.S. economy, the Stanford report showed.\u003c/p>\n\u003cp>While revenues climbed, though, the average credit scores of Latino business owners dipped to 588 from 594 last year, according to Biz2Credit.\u003c/p>\n\u003cp>According to Biz2Credit’s CEO, Rohit Arora, that could indicate business owners are using personal credit cards to fund their business growth if their companies did not qualify for loans. Furthermore, cost management can be difficult for young businesses, which may factor into the dip in scores.\u003c/p>\n\u003cp>“When credit scores are less than 600, it is hard to get traditional bank loans,” Arora said in the report his firm released.\u003c/p>\n\u003cp>Porras said the lack of credit can force Latino business owners to make riskier financial decisions, such as relying on personal credit cards to grow their business, or taking out a loan on their accounts receivable.\u003c/p>\n\u003cp>“By and large, I think Latinos are very unsuccessful in securing loans from the more professional sources,” said Porras. “It’s the smaller ones that are hurting the most,” added Porras, referencing business size.\u003c/p>\n\u003cp>In other cases, Latino borrowers may be less trusting of financial institutions as a whole, based either on past experiences or a general understanding of systemic racism by lending institutions.\u003c/p>\n\u003cp>“Latinos have to pay more for interest,” said Fausta Ibarra, 59, who owns her own hair salon, Tropical Cuts, in Salinas, California. “We have to pay more for everything.”\u003c/p>\n\u003cp>Ibarra, who calls herself a “cien por ciento,” or 100%, Mexican woman, herself had poor credit, after issues with a house she and her sisters bought together in the early 1990s. When she applied for a loan in 1993 to open her hair salon, a brightly lit salon tucked into a small strip mall in Salinas, Washington Mutual Bank denied the loan. (The bank collapsed in 2008 during the financial crisis.)\u003c/p>\n\u003cp>She ended up borrowing nearly $30,000 from friends, family and coworkers, slowly paying them back one by one.\u003c/p>\n\u003cp>Later, when Ibarra tried to purchase a home in 1996, her low credit still held her back. There was, however, another way, the realtor told her. Ibarra ended up paying more than the house was on the market for, and she had to borrow from friends and family so she could put down a deposit of $10,000, twice what she was prepared to pay out of pocket. Ibarra felt taken advantage of.\u003c/p>\n\u003cp>“Los Latinos tienen que ganarse el pan cada día,” said Ibarra in her native Spanish. “Yo sí pienso que los Latinos pueden contribuir más si nos dan la oportunidad para sacar adelante a nuestros hijos. Yo pienso que todos tenemos las ganas de progresar pero no se nos dan las facilidades que se les da a una persona ciudadana de aquí.”\u003c/p>\n\u003cp>That translates in English to: “Latinos have to start all over again, every day,” said Ibarra. “I do think that Latinos can contribute more to this country if they give us the same opportunity to better ourselves and our children. I think we all want to progress, but they don’t give us the same tools they give someone who was born here.”\u003c/p>\n\u003cp>Today, black people and Latinos continue to be routinely denied conventional mortgage loans at rates far higher than their white counterparts, according to Home Mortgage Disclosure Act records \u003ca href=\"https://www.revealnews.org/article/for-people-of-color-banks-are-shutting-the-door-to-homeownership/\" target=\"_blank\" rel=\"noopener noreferrer\">analyzed by Reveal\u003c/a> for The Center for Investigative Reporting in 2018.\u003c/p>\n\u003cp>The analysis showed black applicants were turned away at significantly higher rates than whites in 48 cities, and Latinos in 25, even when controlling for loan size, neighborhood and income.\u003c/p>\n\u003cp>In other instances, black or Latino applicants were steered toward higher-cost, riskier loans.\u003c/p>\n\u003cp>Bank of America, for example, agreed to a $335 million payout to the Justice Department on behalf of its mortgage lender, Countrywide. Prior to Bank of America’s purchase of the lending institution, Countrywide purposely charged more than 200,000 black and Latino borrowers more for their mortgage loans than white borrowers with similar qualifications between 2004 and 2008.\u003c/p>\n\u003cp>The lender advised those borrowers of color to take out risky sub-prime loans, even when they qualified for prime loans, or simply charged them higher rates.\u003c/p>\n\u003cp>Other lending institutions, such as Wells Fargo, have had similar claims levied against them.\u003c/p>\n\u003ch3>Latinos Turn to Friends, Family for Seed Money\u003c/h3>\n\u003cp>According to the 2019 Stanford report, Latinos get loans from local banks at a much higher rate than they do from national banks.\u003c/p>\n\u003cp>However, local banks are disappearing across the United States and in California, thanks to what some say are more onerous federal regulations, potentially leaving Latinos out in the cold. According to data provided by the Federal Deposit Insurance Corporation (FDIC), as of Dec. 31, 2001, 8,080 FDIC-insured community banks existed in the country. By Dec. 31, 2018, 5,406 remained.\u003c/p>\n\u003cp>“The local banks are tied to the community more tightly,” said Porras. “If the community has more Latino businesses, the relationships are built up and they grow. National banks lag behind there because local banks work harder to network with the businesses in their communities.\u003c/p>\n\u003cp>When local banks are not available, instead of applying to larger loan institutions, many Latinos turn to friends, family and crowdfunding for seed money.\u003c/p>\n\u003cfigure id=\"attachment_11803669\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11803669\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41593_LATINO-BUSINESS-OWNERS-photo-3-qut-800x533.jpg\" alt=\"\" width=\"800\" height=\"533\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41593_LATINO-BUSINESS-OWNERS-photo-3-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41593_LATINO-BUSINESS-OWNERS-photo-3-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41593_LATINO-BUSINESS-OWNERS-photo-3-qut-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41593_LATINO-BUSINESS-OWNERS-photo-3-qut.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Brew-N-Krew co-owners Marlene and Steven Garcia serve customers at Steinbeck’s Home Brew Fest. \u003ccite>(Kate Cimini/The Salinas Californian)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>In Salinas, a small city surrounded by rich agricultural land, U.S. Census Bureau data shows 78.7% of the some-156,000 residents are Hispanic or Latino. While the city’s agricultural industry thrives financially, thanks to the tens of thousands of Latino farmworkers that flow in and out of Salinas every year, the average farmworker takes home just $17,500 a year, according to the U.S. Department of Labor. More than 17% of its residents live in poverty.\u003c/p>\n\u003cp>Still, Latino entrepreneurship is evident in Salinas. Latino-owned restaurants, barbershops, grocery stores, showrooms like this \u003ca href=\"https://www.craftsmenind.com/mobile-showroom-trailer-truck\">\u003cstrong>trailer mobile showroom\u003c/strong>\u003c/a> and more have risen out of the landscape all over town, tucked into plazas and surrounding big box stores. Nearly 30% of all businesses in Monterey County, where Salinas rests, are owned by Hispanic or Latino people, per data provided by the Monterey County Workforce Development Board from the 2012 American Community Survey.\u003c/p>\n\u003cp>Marlene Garcia, 29, is the proprietor of a homebrew operation turned commercial brewery that will open in Salinas in the spring. She borrowed $210,000 from her mother to start up her operation.\u003c/p>\n\u003cp>Salinas’s downtown is just three blocks long, but Garcia’s brewery, Brew & Krew, will open on the 100 block of Main Street, near four other Latino-owned businesses that have opened (or re-opened under new ownership) in the last two years. The growth is notable on a side of town that is inhabited primarily by white residents.\u003c/p>\n\u003cp>“I am honestly so thankful for my parents, both of them,” said Garcia, reminiscing about her parents’ insistence that she help with the family businesses.\u003c/p>\n\u003cp>Her parents, Graciela and Gildardo, worked in fields after immigrating to the U.S. from Guanajuato, Mexico. Every month or so, they would go to Los Angeles, five hours away, to stock up on Mexican candy, piñatas and cassette tapes, Garcia said. Then, they would turn around and sell them at the Santa Cruz weekend flea market in central California, dragging their children with them.\u003c/p>\n\u003cp>It was there that Garcia learned the dedication it took to run a business, even as she told her parents she never wanted to own her own operation.\u003c/p>\n\u003cp>“Growing up, my entire life, we would go to the flea market,” said Garcia. “We’d wake up super early, drive to Santa Cruz, and work. I remember telling my parents, ‘I don’t want this, I don’t want to go into business.’ ”\u003c/p>\n\u003cp>“Now that I’m older, I appreciate everything they did. I see why they did that.”\u003c/p>\n\u003cp>The Garcias opened another stand in another flea market, then a taquería. Finally, they sold all their businesses and took out their first loan of $80,000 to open a liquor store in Gilroy. They named the store La Flor de Jalisco.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>When Garcia wanted to open her own brewery, her mother became her silent business partner.\u003c/p>\n\u003cp>“Because of them, because of the way they saved, because they saved, a lot of the money that has been invested came from my mom,” said Garcia.\u003c/p>\n\u003cp>Garcia is in the process of applying for her first loan — a Small Business Administration loan for $480,000 to open her business. She credits her mother’s help in allowing her to not rack up debt and interest rates.\u003c/p>\n\u003cp>Although the space is still unfinished, Garcia has big plans for her small brewery. She wants large, stainless steel canisters in the back, behind a large pane of glass, so brew enthusiasts can watch the brewers at work as they sip on suds.\u003c/p>\n\u003cp>She hopes to connect with other business owners in the area to cross-promote, whether it be with the cinema next door or the sandwich shop across the street.\u003c/p>\n\u003cp>“Hispanic parents are never excited to hand out money,” Garcia said, laughing. “But she believed in it, she saw that people really do like beer. If she wouldn’t seen that reaction, it would have been harder to convince her.”\u003c/p>\n\u003cfigure id=\"attachment_11803671\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11803671\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/02/RS41594_LATINO-BUSINESS-OWNERS-photo-4-qut-800x567.jpg\" alt=\"\" width=\"800\" height=\"567\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41594_LATINO-BUSINESS-OWNERS-photo-4-qut-800x567.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41594_LATINO-BUSINESS-OWNERS-photo-4-qut-160x113.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41594_LATINO-BUSINESS-OWNERS-photo-4-qut-1020x723.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/02/RS41594_LATINO-BUSINESS-OWNERS-photo-4-qut.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Osornio, owner of Tortas Al 100, closes the back of his cargo trailer. \u003ccite>(Kate Cimini/The Salinas Californian)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003ch3>‘Puro cash’\u003c/h3>\n\u003cp>Osornio’s family has a saying whenever they have to pay for something. “Puro cash,” they repeat, laughing, or pure cash in English.\u003c/p>\n\u003cp>The joke is based on Osornio’s father. Years ago, when he was purchasing a car for his wife, the salesman asked him if he wanted to finance.\u003c/p>\n\u003cp>“No,” said Osornio the elder. “Puro cash.”\u003c/p>\n\u003cp>Despite the financial savvy his father displayed, Orsonio said his parents rarely talked money management with him. All he recalls was being told credit cards were for emergencies only, a lesson that, like many teenagers, he immediately disregarded as soon as he got one of his own.\u003c/p>\n\u003cp>The experience of wiggling out from under a pile of debt taught Osornio that he wanted applying for a loan to be “a last resort.”\u003c/p>\n\u003cp>Years later, Osornio has managed to build such a successful business with his unique torta recipes that he routinely fields offers from locals to invest in or outright purchase his business — and his recipes — from him.\u003c/p>\n\u003cp>And that, advocates have said, is the hidden silver lining for Latino entrepreneurs: even more untapped potential.\u003c/p>\n\u003cp>According to a 2017 \u003ca href=\"http://research.newamericaneconomy.org/wp-content/uploads/sites/2/2017/12/Hispanic_V5.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">New American Economy report\u003c/a> on the power of Hispanics in the U.S., Hispanic entrepreneurs own a large chunk of transportation and warehouse businesses, laying claim to more than 20% of the industry in 2012. They also owned about 12% of the country’s construction firms.\u003c/p>\n\u003cp>Advocates say that, given a chance, Latinos could grow their portion of the economy even further. However, the “opportunity gap” between Latinos and their white, business-owning\u003cbr>\ncounterparts is wide.\u003c/p>\n\u003cp>“Wealth is the missing ingredient in the Latino community,” said Porras. “If we could add more wealth, people would consume more and grow the economy. How do we get more wealth? Grow businesses.”\u003c/p>\n\u003cp>“It’s a synergystic process,” said Porras. “In the long term, it will benefit the whole country.”\u003c/p>\n\u003cp>All Latinos need, Porras said, is a chance.\u003c/p>\n\u003cp>\u003cem>Kate Cimini is a multimedia journalist for The Californian. This article is part of \u003ca href=\"https://calmatters.org/divide/\" target=\"_blank\" rel=\"noopener noreferrer\">The California Divide\u003c/a>, a collaboration among newsrooms examining income inequity and economic survival in California.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"link": "https://www.cityarts.net",
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},
"closealltabs": {
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"order": 1
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"info": "\u003cem>Code Switch\u003c/em>, which listeners will hear in the first part of the hour, has fearless and much-needed conversations about race. Hosted by journalists of color, the show tackles the subject of race head-on, exploring how it impacts every part of society — from politics and pop culture to history, sports and more.\u003cbr />\u003cbr />\u003cem>Life Kit\u003c/em>, which will be in the second part of the hour, guides you through spaces and feelings no one prepares you for — from finances to mental health, from workplace microaggressions to imposter syndrome, from relationships to parenting. The show features experts with real world experience and shares their knowledge. Because everyone needs a little help being human.\u003cbr />\u003cbr />\u003ca href=\"https://www.npr.org/podcasts/510312/codeswitch\">\u003cem>Code Switch\u003c/em> offical site and podcast\u003c/a>\u003cbr />\u003ca href=\"https://www.npr.org/lifekit\">\u003cem>Life Kit\u003c/em> offical site and podcast\u003c/a>\u003cbr />",
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"id": "commonwealth-club",
"title": "Commonwealth Club of California Podcast",
"info": "The Commonwealth Club of California is the nation's oldest and largest public affairs forum. As a non-partisan forum, The Club brings to the public airwaves diverse viewpoints on important topics. The Club's weekly radio broadcast - the oldest in the U.S., dating back to 1924 - is carried across the nation on public radio stations and is now podcasting. Our website archive features audio of our recent programs, as well as selected speeches from our long and distinguished history. This podcast feed is usually updated twice a week and is always un-edited.",
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"source": "Commonwealth Club of California"
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"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Forum-Podcast-Tile-703x703-1.jpg",
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"order": 9
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"meta": {
"site": "radio",
"source": "WNYC"
},
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"id": "fresh-air",
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"apple": "https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=214089682&at=11l79Y&ct=nprdirectory",
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"hidden-brain": {
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"airtime": "SUN 7pm-8pm",
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"source": "NPR"
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"airtime": "SUN 7:30pm-8pm",
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"link": "/radio/program/how-i-built-this",
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"hyphenacion": {
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"tagline": "Where conversation and cultura meet",
"info": "What kind of no sabo word is Hyphenación? For us, it’s about living within a hyphenation. Like being a third-gen Mexican-American from the Texas border now living that Bay Area Chicano life. Like Xorje! Each week we bring together a couple of hyphenated Latinos to talk all about personal life choices: family, careers, relationships, belonging … everything is on the table. ",
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"order": 15
},
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"jerrybrown": {
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"title": "The Political Mind of Jerry Brown",
"tagline": "Lessons from a lifetime in politics",
"info": "The Political Mind of Jerry Brown brings listeners the wisdom of the former Governor, Mayor, and presidential candidate. Scott Shafer interviewed Brown for more than 40 hours, covering the former governor's life and half-century in the political game and Brown has some lessons he'd like to share. ",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/The-Political-Mind-of-Jerry-Brown-Podcast-Tile-703x703-1.jpg",
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"order": 18
},
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},
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"id": "latino-usa",
"title": "Latino USA",
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"info": "Latino USA, the radio journal of news and culture, is the only national, English-language radio program produced from a Latino perspective.",
"imageSrc": "https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/latinoUsa.jpg",
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"link": "/radio/program/latino-usa",
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"apple": "https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=79681317&at=11l79Y&ct=nprdirectory",
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"rss": "https://feeds.npr.org/510016/podcast.xml"
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},
"marketplace": {
"id": "marketplace",
"title": "Marketplace",
"info": "Our flagship program, helmed by Kai Ryssdal, examines what the day in money delivered, through stories, conversations, newsworthy numbers and more. Updated Monday through Friday at about 3:30 p.m. PT.",
"airtime": "MON-FRI 4pm-4:30pm, MON-WED 6:30pm-7pm",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Marketplace-Podcast-Tile-360x360-1.jpg",
"officialWebsiteLink": "https://www.marketplace.org/",
"meta": {
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"source": "American Public Media"
},
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},
"masters-of-scale": {
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"title": "Masters of Scale",
"info": "Masters of Scale is an original podcast in which LinkedIn co-founder and Greylock Partner Reid Hoffman sets out to describe and prove theories that explain how great entrepreneurs take their companies from zero to a gazillion in ingenious fashion.",
"airtime": "Every other Wednesday June 12 through October 16 at 8pm (repeats Thursdays at 2am)",
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"rss": "https://rss.art19.com/masters-of-scale"
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},
"mindshift": {
"id": "mindshift",
"title": "MindShift",
"tagline": "A podcast about the future of learning and how we raise our kids",
"info": "The MindShift podcast explores the innovations in education that are shaping how kids learn. Hosts Ki Sung and Katrina Schwartz introduce listeners to educators, researchers, parents and students who are developing effective ways to improve how kids learn. We cover topics like how fed-up administrators are developing surprising tactics to deal with classroom disruptions; how listening to podcasts are helping kids develop reading skills; the consequences of overparenting; and why interdisciplinary learning can engage students on all ends of the traditional achievement spectrum. This podcast is part of the MindShift education site, a division of KQED News. KQED is an NPR/PBS member station based in San Francisco. You can also visit the MindShift website for episodes and supplemental blog posts or tweet us \u003ca href=\"https://twitter.com/MindShiftKQED\">@MindShiftKQED\u003c/a> or visit us at \u003ca href=\"/mindshift\">MindShift.KQED.org\u003c/a>",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Mindshift-Podcast-Tile-703x703-1.jpg",
"imageAlt": "KQED MindShift: How We Will Learn",
"officialWebsiteLink": "/mindshift/",
"meta": {
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"order": 12
},
"link": "/podcasts/mindshift",
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"google": "https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM1NzY0NjAwNDI5",
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},
"morning-edition": {
"id": "morning-edition",
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"info": "\u003cem>Morning Edition\u003c/em> takes listeners around the country and the world with multi-faceted stories and commentaries every weekday. Hosts Steve Inskeep, David Greene and Rachel Martin bring you the latest breaking news and features to prepare you for the day.",
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"onourwatch": {
"id": "onourwatch",
"title": "On Our Watch",
"tagline": "Deeply-reported investigative journalism",
"info": "For decades, the process for how police police themselves has been inconsistent – if not opaque. In some states, like California, these proceedings were completely hidden. After a new police transparency law unsealed scores of internal affairs files, our reporters set out to examine these cases and the shadow world of police discipline. On Our Watch brings listeners into the rooms where officers are questioned and witnesses are interrogated to find out who this system is really protecting. Is it the officers, or the public they've sworn to serve?",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/On-Our-Watch-Podcast-Tile-703x703-1.jpg",
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"officialWebsiteLink": "/podcasts/onourwatch",
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"source": "kqed",
"order": 11
},
"link": "/podcasts/onourwatch",
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"google": "https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5ucHIub3JnLzUxMDM2MC9wb2RjYXN0LnhtbD9zYz1nb29nbGVwb2RjYXN0cw",
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},
"on-the-media": {
"id": "on-the-media",
"title": "On The Media",
"info": "Our weekly podcast explores how the media 'sausage' is made, casts an incisive eye on fluctuations in the marketplace of ideas, and examines threats to the freedom of information and expression in America and abroad. For one hour a week, the show tries to lift the veil from the process of \"making media,\" especially news media, because it's through that lens that we see the world and the world sees us",
"airtime": "SUN 2pm-3pm, MON 12am-1am",
"imageSrc": "https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/onTheMedia.png",
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},
"link": "/radio/program/on-the-media",
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"tuneIn": "https://tunein.com/radio/On-the-Media-p69/",
"rss": "http://feeds.wnyc.org/onthemedia"
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},
"pbs-newshour": {
"id": "pbs-newshour",
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"info": "Analysis, background reports and updates from the PBS NewsHour putting today's news in context.",
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"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/PBS-News-Hour-Podcast-Tile-360x360-1.jpg",
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},
"link": "/radio/program/pbs-newshour",
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"apple": "https://itunes.apple.com/us/podcast/pbs-newshour-full-show/id394432287?mt=2",
"tuneIn": "https://tunein.com/radio/PBS-NewsHour---Full-Show-p425698/",
"rss": "https://www.pbs.org/newshour/feeds/rss/podcasts/show"
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},
"perspectives": {
"id": "perspectives",
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"tagline": "KQED's series of daily listener commentaries since 1991",
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"order": 14
},
"link": "/perspectives",
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"planet-money": {
"id": "planet-money",
"title": "Planet Money",
"info": "The economy explained. Imagine you could call up a friend and say, Meet me at the bar and tell me what's going on with the economy. Now imagine that's actually a fun evening.",
"airtime": "SUN 3pm-4pm",
"imageSrc": "https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/planetmoney.jpg",
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"source": "npr"
},
"link": "/radio/program/planet-money",
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