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Overall Economic Activity: Economic activity was about flat or up slightly since the previous report, down from the modest average pace of growth in the prior Beige Book period...Interest rates and inflation continued to weigh on activity, and many contacts expressed greater uncertainty or increased pessimism concerning the outlook...Inflation pushed low-to-moderate income consumers to substitute increasingly to lower-priced goods. Travel and tourism contacts, by contrast, reported moderate gains in activity, as restaurants and high-end hospitality venues enjoyed robust demand. Higher interest rates further dented home sales, which declined at a moderate pace overall but fell steeply in some districts; apartment leasing started to slow, as well. more »

Dr. Anthony Fauci notes that the emergence of HIV/AIDS in 1981 led to a sharp increase in interest in infectious diseases among people entering the field of medicine. Since then, infectious disease specialists have faced numerous medical challenges, including the 2009 H1N1 influenza pandemic, Ebola, Zika, severe acute respiratory syndrome (SARS), Middle East respiratory syndrome (MERS) and COVID-19, he writes. Dr. Fauci notes that one success of the response was the rapid development, testing and distribution of COVID-19 vaccines thanks to years of research and investment in new and highly adaptable vaccine platforms and structural biology tools to design vaccine immunogens. more »

Honoring Our Veterans:"November 11 marks the annual observance of Veterans Day, a day on which we honor the courageous women and men who have served in the United States military. The National Archives is proud to have in its holdings a variety of military records, from photos to documents to searchable databases, which are available on National Archives News. NARA’s holdings regarding veterans and military records include: Veterans’ Service Records, Genealogy Research in Military Records, American Revolution, Civil War Records, World War I and World War II Records; (Note from Seniorwomen.com Editor Tam Martinides Gray:) Vietnam War | National Archives, https://www.archives.gov/research/vietnam-war more »

"The CFPB has found that consumer reporting companies and some furnishers have failed to conduct reasonable investigations of consumer disputes and to spend the time necessary to get to the bottom of inaccuracies. These failures can affect, among other things, people’s eligibility for loans and interest rates, for insurance, and for rental housing and employment. “One wrong piece of information on a person’s credit report can have destructive consequences that follow a consumer for years,” said CFPB Director Rohit Chopra. “Companies that fail to properly address consumer disputes in accordance with the law may face serious consequences.” more »