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Testimony in the criminal trial of Donald J. Trump has pivoted from weeks of salacious stories of sex and scandal to focus on the financial transactions at the center of the case. A current and a former employee in the Trump Organization’s accounting department on Monday walked jurors through the dry but crucial financial records that tie Mr. Trump to reimbursements made to his longtime fixer, Michael D. Cohen, for a $130,000 hush-money payoff to a porn star days before the 2016 election. The porn star, Stormy Daniels, who said she had sex with Mr. Trump in 2006, wanted to go public about her encounter in 2016, but Mr. Cohen made a deal to bury her story before Election Day. The former president is accused of falsifying business records to cover up reimbursements to Mr. Cohen, who made the hush-money payment himself.
Persons: Donald J, Trump, reimbursements, Michael D, Cohen, Stormy Daniels Organizations: Trump
Ms. Daniels could take the stand to testify against Mr. Trump as early as this week. Her presence would let Mr. Trump’s defense lawyers attack Ms. Daniels as an extortionist and question her credibility. Nor can she testify about the plan for Mr. Trump to hide his reimbursements to Mr. Cohen by characterizing them as legal fees. Mr. Trump’s lawyers contend that he did not know that the checks he signed for Mr. Cohen were not for legal fees, and that Mr. Cohen and Mr. Trump’s employees were responsible for any false records. “He has never thought that the little man, or especially women, and even more, women like me, matter,” Ms. Daniels said.
Persons: Donald J, Trump, Stormy Daniels, Daniels, Alvin L, Bragg, Trump’s, Michael Bachner, Bachner, Dave Sanders, Stephanie Clifford, Barrett, “ I’m, Donald Trump, ” Ms, Norm, , Peacock, J., r. “ Organizations: Mr, The New York Times Locations: Manhattan, New York City, Baton Rouge, La, Texas, Florida, New York
New York CNN —Prosecutors in Donald Trump’s hush money trial dove into the paper trail at the heart of their case on Monday, revealing to jurors exactly how Michael Cohen was repaid by Trump’s trust and personal accounts in 2017 after he paid hush money to Stormy Daniels. Here are the takeaways from day 12 of the Trump hush money trial:Judge threatens to jail TrumpMerchan began Monday’s session by announcing he found Trump in contempt for violating his gag order a 10th time, after fining him last week for nine violations cited by prosecutors. Both of the witnesses worked for Trump for decades – Tarasoff still works for the Trump Org. Trump fully turned in his chair to watch Tarasoff’s testimony when his attorney, Blanche, began his cross-examination of the Trump Org. was like a “family-run business.”Eric Trump, who is still in charge of the Trump Org., and attorney Alina Habba, who represented Trump Org.
Persons: Donald Trump’s, Michael Cohen, Stormy Daniels, Cohen, Juan Merchan, Trump Merchan, Trump, fining, fining Trump, Mr, ” Merchan, , ” Trump, Merchan, Daniels, Jeffrey McConney, McConney, Deborah Tarasoff, ” McConney, CNN Tarasoff, Donald J, , David Pecker, Keith Davidson –, Allen Weisselberg, Daniels ’, Davidson, Cohen –, who’ve, Emil Bove, Weisselberg, ” Tarasoff, Todd Blanche, – Tarasoff, “ You’re, , Blanche, ” Eric Trump, Alina Habba, Tarasoff, Eric Trump Organizations: New, New York CNN — Prosecutors, Trump Organization, Trump, Trump Org, Trust, CNN, White, Trump Revocable Trust, Consultants Locations: New York, Washington, McConney, Sharpie
Those witnesses, longtime Trump Organization employees Jeffrey McConney and Deborah Tarassoff, handled the checks, invoices, and other records that comprise the 34 business records the Manhattan district attorney's office alleges Trump illegally falsified. He was sentenced to five months in jail in 2022 for a Trump Organization felony payroll tax-fraud prosecution, and is now serving another five-month sentence for felony perjury in last year's Trump Organization civil fraud trial. The Trump Organization needed to reimburse Cohen for some money, McConney testified that Weissberg told him. Yet another Trump Organization employee would FedEx the checks to Trump in DC, he testified. In the afternoon, prosecutor Christopher Conroy slogged through more records with Tarasoff, who said she has worked at the Trump Organization for 24 years.
Persons: , Donald Trump's, Jeffrey McConney, Deborah Tarassoff, Trump, Michael Cohen, Stormy Daniels, Attorney Alvin Bragg, Daniels, Melania Trump, McConney, Cohen, Allen Weisselberg, Weisselberg, Weissberg, Colangelo, Keith Davidson —, Jeffrey McConney's, pic.twitter.com, c2d9IQyKe5, Jacob Shamsian ⚖️, Dear Allen, Christopher Conroy slogged, Tarasoff, Todd Blanche, yawn, Conroy, Tarassoff, he'd Organizations: Service, Prosecutors, Trump, Business, Trump Organization, Attorney, Tahoe, White, FedEx Locations: Donald Trump's Manhattan, Manhattan, Weisselberg, Florida, Trump, New York, DC, Sharpie
Every HR professional and hiring manager I spoke with — whose lives are supposedly made easier by Workday — described Workday with a sense of cosmic exasperation. "Workday does not have oversight or control of our customers' job application processes.") If candidates hate Workday, if employees hate Workday, if HR people and managers processing and assessing those candidates and employees through Workday hate Workday — if Workday is the most annoying part of so many workers' workdays — how is Workday everywhere? (Workday's "customers choose the frequency at which they conduct reviews, not Workday," said the spokesperson.) "HR software sucking" is a big tent.
Persons: you'd, Workday's, , David Duffield, Teladoc, UKG, Cory Doctorow, It's, He'd, Matt Alston's, Stone Organizations: Fortune, Netflix, Goodwill, Spotify, Washington Post, Ohio State University, FedEx, Nintendo, Honda, LinkedIn, IBM, Oracle, Bank of America, Automation, Rippling, Systems, Facebook, Wired Locations: San Francisco, Amazon's, It's, Bonusly, Maine
Donald J. Trump’s criminal trial in Manhattan has reached the third week of testimony, and there are only a few key witnesses who have yet to take the stand. There is Michael D. Cohen, the Trump fixer who made that payment and is expected to be crucial for the prosecution. And there are several employees of the Trump family business, who helped the then-president reimburse Mr. Cohen. The exact order of witnesses is unclear, but the trial is zipping along and the prosecution could wrap up in little more than two weeks. Ms. Daniels could testify as soon as this week, bringing her face to face with Mr. Trump, who for years has attacked her.
Persons: Donald J, Stormy Daniels, Trump, Michael D, Cohen, Daniels Organizations: Trump fixer Locations: Manhattan
Text messages shown in Donald Trump's hush-money trial reveal attorneys' struggles to manage Stormy Daniels. Michael Cohen, Trump's ex-attorney, appeared frantic in messages after the hush-money story broke in 2018. Minutes later Cohen texted Davidson, "Please call me," before he again texted, "Cmon!" Advertisement"Why is she going on Kimmel after the Sotu," Cohen texted Davidson days earlier. "She just denied the letter," Cohen texted Davidson at the time.
Persons: Donald Trump's, Stormy Daniels, Michael Cohen, Trump's, Cohen, Daniels, , Keith Davidson, Davidson, Trump, Drew Angerer, Davidson texted Cohen, Cohen messaged Davidson, Stephanie Clifford —, Sean Hannity's, Davidson texted, Cohen texted Davidson, texted, Eduardo Munoz, Let's, Cohen backtracked, Michael Cohen's, Jane Rosenberg Davidson, Kimmel, Jimmy Kimmel, Cohen messaged, Gina Rodriguez, Gina Organizations: Prosecutors, Trump, Service, Street, Sean Hannity's Fox, Manhattan, REUTERS, Attorney's Locations: Los Angeles, LA, Manhattan, NY
Davidson testified on Thursday that "an extremely strict reading of this statement would technically be true" based on how he would parse "affair," "romantic," and "and/or." Asked by Steinglass whether "there was a sexual encounter" between Daniels and Trump, Davidson said he believed there was. Related storiesDavidson also said the statement's denial of rumors that Daniels "received hush money" from Trump was also true, because he "would never use that word." Advertisement"There wasn't hush money. Cohen worked at all hours trying to keep the narrative under control, sending text messages "with little regard for my schedule," Davidson testified.
Persons: , Keith Davidson, Stormy Daniels, Donald Trump —, Joshua Steinglass, Davidson, Daniels, Michael Cohen, Davison, Donald Trump, Trump, reimbursements, Cohen, MARK PETERSON, Dylan Howard, Jimmy Kimmel, Marilyn Monroe, Hollywood Roosevelt Organizations: Service, Trump, Business, Manhattan, Attorney's, Manhattan Criminal, Getty, National Locations: New York City, Hollywood
“You did everything you could to get as close to that line as possible without crossing it, right?” Mr. Bove said. “I did everything I could to make sure that my activities were lawful,” Mr. Davidson replied. Mr. Davidson, who had a niche practice representing people with often salacious claims against celebrities, began the day by describing his unpleasant relationship with Michael D. Cohen, Mr. Trump’s former fixer and personal lawyer, who ultimately paid Ms. Daniels to keep silent. Mr. Trump is charged with 34 felonies for what prosecutors say were his attempts from the White House to disguise reimbursements to Mr. Cohen. The testimony from Mr. Davidson on Thursday, his second day on the stand, painted a vivid portrait of fevered efforts by the witness, Mr. Cohen and others to keep allegations of extramarital affairs by Mr. Trump out of the public eye.
Persons: Bove, , Mr, Davidson, Trump, Michael D, Cohen, Trump’s, Daniels, reimbursements
During the past week in Donald Trump’s criminal trial, there has been talk of trysts and the trade in the secrets of the rich and famous. If convicted, Mr. Trump could face probation or up to four years behind bars. Prosecutors hoped to show that the payments originated with Mr. Trump. On Thursday, Mr. Pecker testified that after the tabloid’s parent company, American Media Inc., paid a Playboy model to stay quiet, Mr. Trump did not immediately reimburse him. Mr. Pecker said he asked Mr. Cohen, “Who is going to pay for it?” Mr. Pecker said the former fixer-turned-state-witness responded: “Don’t worry.
Persons: Donald Trump’s, Trump, Stormy Daniels, Michael D, Cohen, Daniels, ’ David Pecker, Pecker, Mr, , Organizations: SPAN, National Enquirer, Prosecutors, Mr, American Media Inc
Walmart will shut down the health clinics it has at 51 stores across five states. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . AdvertisementWalmart says it will shut down the 51 health clinics it has at retail stores across five states, as well as its virtual care operation as the business has become "unsustainable." AdvertisementStaffed by physicians and licensed care providers, the clinics offered services ranging from primary care to behavioral health, as well as labs and X-rays. Virtual care was also available through walmarthealth.com.
Persons: , Walgreens Organizations: Walmart, Service, Dallas Morning News, CNBC, Dallas Morning, Amazon Locations: Georgia, Arkansas , Florida , Illinois, Texas
Opinion | Maximizing Profits at the Patients’ Expense
  + stars: | 2024-04-28 | by ( ) www.nytimes.com   time to read: +1 min
To the Editor:Re “Patients Hit With Big Bills While Insurers Reap Fees” (front page, April 7):Chris Hamby’s investigation uncovers the hard truth for patients who receive care from providers outside their insurance network. While most of us try to save out-of-pocket costs by using in-network health professionals and hospitals, it’s not always possible. Health price transparency is improving, but it’s outrageous that even two years after the No Surprises Act passed, everyone except the patient knows the price of a procedure or doctor’s visit in advance, leaving patients unpleasantly surprised. The writer is senior director of Health Care Campaigns for U.S. PIRG. To the Editor:This is just the latest example of the schemes deployed by insurers to maximize profits by cutting reimbursements to physicians and shifting medically necessary health care costs onto patients.
Persons: Chris Hamby’s, it’s, unpleasantly, Patricia Kelmar Alexandria Organizations: Bills, Health, U.S Locations: Va
"You're losing all credibility," the judge railed when Blanche insisted Trump was "careful" online. "You're losing all credibility," New York Supreme Court Justice Juan Merchan angrily told the lawyer, Todd Blanche. It was at this point that the judge accused Blanche of "losing all credibility." Blanche's arguments at Tuesday's hearing, in defense of Trump's posts, fell roughly into three categories. Blanche's third argument was that reposting attacks on trial witnesses that were originally made by others was somehow exempt.
Persons: Todd Blanche, Blanche, Trump, , Donald Trump, Juan Merchan, Merchan, Christopher Conroy, Timothy A, Clary, Trump's, Michael Cohen, Stormy Daniels, I've, Atilgan, Daniels, Cohen, Conroy, Jesse Watters, David Pecker, Pecker, Hillary Clinton, Ted Cruz, Alvin Bragg's, reimbursing Cohen, Karen McDougal, McDougal Organizations: Service, GOP, Prosecutors, Reuters, Trump, Anadolu Agency, Getty, Fox, Merchan, National Enquirer, Mar, Manhattan, Trump Organization Locations: Manhattan, Florida, Washington, DC
Mr. Cohen has said he acted at Mr. Trump’s direction, but the former president is not charged over the payment itself. If Mr. Trump testifies in his own defense, that could pit Mr. Cohen’s word against Mr. Trump’s — a he-said, he-said story, with two questionable narrators. Mr. Trump’s lawyers will seek to emphasize Mr. Cohen’s checkered past at every turn. And, on cross-examination, Mr. Trump’s lawyers are likely to portray Mr. Cohen as a serial liar with a grudge against his former boss. Mr. Pecker can support at least some of Mr. Cohen’s testimony about Mr. Trump’s involvement in the hush-money deals.
Persons: Donald J, Trump, Alvin L, Bragg, Michael D, Cohen, Stormy Daniels, Daniel J . Horwitz, Michael Cohen, ” Mr, Horwitz, Mary Altaffer, Daniels, Trump’s, Joshua Steinglass, Donald Trump, Mr, Steinglass’s, David Pecker, Hope Hicks, Pecker, Bragg’s, Karen McDougal, Marion Curtis, reimbursements, Allen H, Weisselberg, Steinglass, McDougal, Dave Sanders, The New York Times Susan Necheles, Cohen’s, President Trump, Madeleine Westerhout, , , ” William K, Rashbaum, Maggie Haberman, Jonathan Swan, Michael Rothfeld Organizations: Prosecutors, Mr, fixer, National Enquirer, Trump, Trump . Credit, The New York Times, American Media, Associated, Locations: New York, Manhattan, Trump ., America, Russia
If Donald J. Trump takes the stand at his criminal trial in Manhattan, prosecutors want to cross-examine him about recent lawsuits he’s lost, attacks he’s made on women and a judge’s opinion that his sworn statements in a civil case rang “hollow and untrue.”In hearing on Friday afternoon, the prosecutors from the Manhattan district attorney’s office who want to ask those questions will seek permission from Justice Juan M. Merchan, the state judge presiding over Mr. Trump’s trial on charges that he falsified business records to cover up reimbursements for a hush-money payment made to a keep a sex scandal quiet. The proceeding, known as a Sandoval hearing, is a high-stakes affair for all the parties: the prosecutors, the defense team, Mr. Trump and Justice Merchan himself. Whatever the judge decides will inform whether the former president decides to testify and, if he does, what prosecutors can ask him. Though Mr. Trump has said he would testify in his own defense, there have been plenty of signs that he is not fully committed to doing so. This week, his lawyers asked prospective jurors to assure them that they wouldn’t hold a failure to testify against Mr. Trump.
Persons: Donald J, Trump, he’s, Juan M, Trump’s, Sandoval, Justice Merchan Organizations: Justice, Mr Locations: Manhattan
Twelve New Yorkers have been selected to decide Donald J. Trump’s criminal trial in Manhattan, the first for an American president, and alternates are expected to be chosen on Friday should any of the first dozen have to drop out of the trial unexpectedly. Opening statements, where prosecutors and defense lawyers will introduce their dueling cases to the newly empaneled jury, are expected to begin as early as Monday. One alternate juror was also picked before court adjourned for the day, and the selection of alternates was set to resume on Friday morning. The $130,000 payment came from Mr. Trump’s former fixer, Michael D. Cohen, who has said he acted at Mr. Trump’s direction. The Manhattan district attorney, Alvin L. Bragg, charged Mr. Trump with 34 felony counts of falsifying business records, accusing him of having disguised reimbursements of Mr. Cohen to keep the sex scandal under wraps.
Persons: Donald J, Stormy Daniels, Trump, Trump’s, Michael D, Cohen, Alvin L, Bragg Organizations: Mr Locations: Manhattan
Introduction to Business Credit Cards for Bad CreditA business credit card can be incredibly convenient for managing your business's financial transactions. Best Business Credit Cards for Bad CreditCapital One Spark 1% Classic† : Best overallBest overall Ramp Visa Corporate Card: Best for business toolsBest for business tools Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit Card : Best for building business creditBest for building business credit FNBO Business Edition® Secured Mastercard® Credit Card : Best for earning deposit interestBest for earning deposit interest Brex Card: Best for no personal guaranteeBad Credit Business Credit Card ReviewsIf you're considering a business credit card for bad credit, here's what you should know about the business cards that made our list. Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit CardBuilding your business credit is just as important as building your personal credit. Business Credit Cards for Bad Credit Frequently Asked QuestionsSearching for a small business credit card that addresses the needs of your business operations can be daunting. Why You Should Trust Us: How We Chose the Best Business Credit Cards for Bad CreditBusiness Insider's credit card team evaluated several factors to determine our list of best small business credit cards for bad credit.
Persons: we've, Slack, Chase, isn't, you'll, Bradstreet, cardholders Organizations: Business, Bank of America Business, Credit, Mastercard, Capital, American Express, Singapore Airlines, Emirates, Best, Bad Credit, Card, Bank of America, National Bank of Locations: Amex, National Bank of Omaha, Dun
I get health insurance through my employer, but have still received large medical bills. AdvertisementI became an accidental expert at investigating medical bills — and getting them reduced — during a few years of doctor's visits for a chronic condition. Luckily, by doing three things, I didn't have to pay over $4,000 that I was going to be billed for. My final tip: Don't assume you're responsible for a payment just because you received a bill. I've had the urge to just pay a bill immediately, even if it seemed outrageous, so I could get it over with.
Persons: I've, , I'd, wasn't, They'd Organizations: reimbursements, Service
There are some companies all-in, as a brand, in fighting climate change , such as Patagonia. So-called green perks, also referred to as climate change benefits, could help to bridge that gap. A rising, though still marginal trend in the job market, employee enticement and compensation packages tied to climate change can help to make these abstractions clearer and more actionable in the workplace. "There's a nascent but growing interest in climate change benefits," Schneider said, pointing out that Google searches for commuter benefits, as an example, are trending up. Green perks are a benefits arena where the demand would seem to outstrip supply, and green commuter benefits may be the first indication of a wider adoption wave.
Persons: enticement, WTW, Caroline Mangiardi, Mangiardi, Lauren Schneider, it's, Schneider, Mercer, Lizzy Kolar, Kolar, Kolar's Organizations: Walmart, Apple, Bank of America, Compt, CSR, employee's CSA, Fortune Locations: Bentonville , Arkansas, Patagonia, Bentonville —, Bentonville, employee's
Canoo spent $1.7 million on CEO Tony Aquila's private jet bills, twice its 2023 revenue. Investors often scrutinize private jet spending, especially when a company is in trouble. AdvertisementElectric vehicle company Canoo spent twice as much on its CEO's private jet trips as it brought in last year. Canoo, which has never turned a profit as a public company, paid $1.7 million in "aircraft reimbursements" for its CEO last year. This story is available exclusively to Business Insider subscribers.
Persons: Canoo, Tony, Organizations: Service, Business
CNN —A sitting federal judge on Thursday harshly criticized Donald Trump’s attacks on the judge overseeing the former president’s criminal case tied to alleged hush money payments, telling CNN that such statements threaten the viability of the American legal system. US District Judge Reggie Walton spoke with CNN’s Kaitlan Collins on “The Source” in the wake of Trump’s attacks on Judge Juan Merchan, which helped prompt the New York judge to issue a gag order on the former president earlier this week. It is unusual for federal judges to speak publicly, especially about specific political or legal situations. Trump criticized Merchan, his daughter and one of Bragg’s prosecutors in the hours before Merchan issued his gag order. Walton, who has been a senior judge of the federal trial level court in Washington, DC, since 2001, told CNN he is speaking out against threats on judges because he is concerned.
Persons: CNN —, Donald Trump’s, Reggie Walton, CNN’s Kaitlan Collins, Juan Merchan, they’re, , Walton, , we’re, ” Walton, Trump, Alvin Bragg’s, Merchan, Bragg, – Merchan, , Merchan “, reimbursements, Michael Cohen, Stormy Daniels, Tanya Chutkan Organizations: CNN, Trump, DC, Court Locations: York, New York, Washington , DC
More than 40,000 out of well over 70,000 reservations for the Fisker Ocean have been canceled to date, according to internal company metrics viewed by Business Insider. The reservation cancellations pose an issue for the company, representing potential sales slipping away during a time when the company desperately needs to generate more revenue. The company said a reservation "will hold your approximate spot in our order queue to purchase your Fisker EV." Related storiesThe company also has a few thousand order cancellations, according to the data viewed by BI, which are different than reservations and not fully refundable. The Fisker CEO and Danish car designer's previous startup, Fisker Automotive, filed for bankruptcy protection in 2013.
Persons: , Fisker, Henrik Fisker's Organizations: Service, Business, BI, Fisker Automotive
CNN —A New York judge has imposed a gag order on Donald Trump, limiting the former president from making statements about potential witnesses in the criminal trial relating to hush money payments scheduled to begin next month. The order does not prevent Trump from talking about New York District Attorney Alvin Bragg, who is a public figure, or Merchan himself. Trump criticized Merchan, his daughter and one of Bragg’s prosecutors in the hours before Merchan issued his order. The district attorney’s office had requested the gag order last month to remain in place for the duration of the trial. In the civil fraud case last fall, Trump was twice fined for violating Judge Arthur Engoron’s gag order and making comments about the judge’s staff.
Persons: Donald Trump, Juan Merchan, Trump, Merchan, Michael Cohen, Stormy Daniels, Alvin Bragg, , ” Merchan, reimbursements, Cohen, Daniels, denigrating, Arthur Engoron’s, ’ ” Merchan, , Matthew Colangelo, Colangelo, General Merrick Garland’s, ” Trump’s, Bragg, Biden, , ” Trump Organizations: CNN, Trump, New York, Republican, New, Monday’s, Justice Department, Defendant, DOJ, Office, Democratic, Truth, Attorney Locations: York, New York, Washington , DC
Before noon, Merchan had already dismissed the allegations from Trump’s attorneys, ruling there were no violations and that the trial will begin with jury selection on April 15. Trump faced a Monday deadline to post bond or else New York Attorney General Letitia James could have begun the process of seizing his property. ‘It will be my honor to post,’ Trump saysTrump didn’t speak inside the courtroom Wednesday, but he still had plenty of chances to make his views of Monday’s developments known. In the other three, he may yet be successful, though the New York trial is now set to begin in three weeks. Immediately after Merchan’s decision to start the hush money trial next month, Trump’s attorneys sought another way to push back the start of the trial.
Persons: Donald Trump, Juan Merchan, Trump, Michael Cohen, Trump’s, Merchan, Attorney Alvin Bragg, reimbursements, Cohen, Stormy Daniels, Letitia James, Jean Carroll, staving, James, ’ Trump, ” Trump, , , , ” Merchan, Bragg’s, Todd Blanche —, Blanche, Daniels Organizations: CNN, Trump, Manhattan, Attorney’s Office, US, Office, Southern, of, Attorney, New, FBI Locations: New York, York, of New York
New York CNN —Starting Tuesday, there’s a new company on the Nasdaq: Trump Media & Technology Group, which will trade under the stock ticker DJT. The social media app was never a blockbuster, though, and it’s unclear how the company will ever make money. While Trump Media may be new, its stock ticker is a throwback to Trump’s only other publicly traded company. Trump bestowed the same initials on his Atlantic City casino business, Trump Hotels and Casino Resorts, back when that company went public in 1995. Trump Media generated just $3.4 million of revenue through the first nine months of last year, according to SEC filings.
Persons: there’s, Donald John Trump, we’ve, Trump, , ” Trump, , Jonathan Macey, Matt Egan, he’s, CNN’s Matt Egan Organizations: New, New York CNN, Nasdaq, Trump Media & Technology Group, Republican, Capitol, Trump Media, Atlantic City, Trump Hotels, Casino Resorts, Mahal, New York Times, Trump Entertainment Resorts, SEC, Twitter, Trump Locations: New York, ” Yale
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