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We both do DoorDash, and probably when those federal student loans start up, it'll be more of a necessity to do that." While private debt makes up just about 10% of the $1.7 trillion student-debt mountain in the US — about $136 billion — the industry has exploded over the past decade: the amount of outstanding private debt has jumped an estimated 47% since 2014. "Regardless, the student loan debt that was supposed to be an investment in their futures is dragging them down." To be sure, some private servicers do disclose benefits private borrowers could lose should they choose to refinance. Moran said he didn't regret taking out private student loans because it allowed him to pursue his desired nursing career.
Persons: Brianne Jones, Jones, she's, We're, it'll, Michele Shepard, they've, it's, Shepard, Suzanne Martindale, , Anna Anderson, you've, It's, Navient, Martindale, Ryan Moran, Moran, Moran isn't, Joe Biden, I've, Anderson, forbearance, Steve Cohen, didn't Organizations: Eastern Michigan University, West, Federal Direct Loan Program, Institute for College, California's Department of Financial Protection, National Consumer Law Center, Consumer Financial, Bureau, Consumer Financial Protection Bureau, — Maryland Locations: Florida, , California
Families with children in elementary through high school plan to spend an average of $890.07 on school supplies, $25 more than last year's record of $864.35, the NRF found. Already, credit card debt stands at more than $1 trillion, its own all-time high. Consumer finance expert Andrea Woroch recommends applying, if you qualify, for a new credit card with a sign-up bonus. watch nowThen use a cash-back site such as CouponCabin.com to earn money back on online purchases, including back-to-school supplies from Target, Walmart and Macy's. The experts at RetailMeNot recommend stacking discounts; for example, combining credit card rewards with store coupons and cash-back offers while leveraging free loyalty programs.
Persons: Philippe Huguen, Julie Ramhold, Ramhold, Andrea Woroch, Woroch Organizations: National Retail Federation, CNET, CNBC, Philippe, AFP, Getty, DealNews.com, Labor, Finance, Walmart Locations: New Jersey, Target
School is back, and so is ChatGPT
  + stars: | 2023-08-19 | by ( Samantha Murphy Kelly | ) edition.cnn.com   time to read: +6 min
Since it was made available in late November, ChatGPT has been used to generate original essays, stories and song lyrics in response to user prompts. Students are already using AIAccording to a study conducted by higher education research group Intelligent.com, about 30% of college students used ChatGPT for schoolwork this past academic year and it was used most in English classes. Jules White, an associate professor of computer science at Vanderbilt University, believes professors should be explicit in the first few days of school about the course’s stance on using AI and that it should be included it in the syllabus. Courtesy Diane GayeskiDiane Gayeski, a professor of communications at Ithaca College, said she plans to incorporate ChatGPT and other tools in her fall curriculum, similar to her approach in the spring. Some schools are hiring outside experts to teach both faculty and students about how to use AI tools.
Persons: Lance Eaton, ” Eaton, “ It’s, ChatGPT, Bard, Jules White, , , ” Vanderbilt, White, ’ ”, Diane Gayeski, Diane Gayeski Diane Gayeski, Gayeski, Tyler Tarver, he’s, ” Tarver, Tarver Organizations: New, New York CNN, CNN, Google, Vanderbilt University, Ithaca College Locations: New York, Rhode, Texas , Arkansas, Illinois
kevin rooseAnd you’re listening to “Hard Fork.”casey newtonThis week on the show, Sam Bankman-Fried goes to jail. If you give me, like, 1 percent of the internet, that’s going to give me an aneurysm. And those three are actually going to get to live that out. So I actually think the classroom of the future looks remarkably like the classroom today, but you reverse what you’re doing in it. And I think that’s another piece, is we have to not be delusional about what has actually happened in education.
Persons: casey newton, Joe Rogan, kevin roose You’re, casey newton They’ve, kevin roose They’ve, who’s, kevin roose, Kevin Roose, ” casey newton, Casey Newton, Sam Bankman, Fried, what’s, Wharton, Ethan Malek, kevin roose Casey, I’ve, casey newton Guy’s, David Jaffe Bellini, David, ” david jaffe bellini, casey newton Hi, , he’s, david jaffe bellini, david jaffe bellini That’s, they’re, Sam’s, there’s, that’s, Casey, — casey newton, david jaffe bellini I’m, he’d, Caroline Ellison, Caroline Ellison’s, Caroline, She’s, we’ve, they’ve, Sam, He’s, I’m, haven’t, It’s, You’ve, There’s, you’re, Ryan Salem, hasn’t, Gary, Nishad, They’ve, SBF, casey newton Look, Harlem Globetrotters ’, it’s, Kevin, casey newton Oh, kevin roose David Jaffe Bellini, we’re, kevin roose It’s, , casey newton Sure, Ethan Mollick Ethan, kevin roose Ethan Mollick, ” ethan mollick, ethan mollick, That’s, casey newton Tell, ChatGPT, ethan mollick —, you’ve, Steve Jobs, don’t, You’ll, ethan mollick Oh, casey newton Well, We’ve, kevin roose I’m, Ethan, casey newton It’s, they’d, you’ll, They’re, Ethan Mollick, casey newton —, should’ve, let’s, Cruise, casey newton That’s, — david jaffe bellini, kevin roose —, , Alex, casey newton Hey, casey newton Yes, Kyle Vogt, Franciscans, I’ll, kevin roose Totally, casey newton Yep, Uber, casey newton Right, Dirk, Kevin kevin roose, shouldn’t, — casey newton Yes, casey newton Don’t, Rachel Cohn, Davis, We’re, Jen Poyant, Caitlin Love, Sophia Lanman, Dan Powell, Marion Lozano, Rowan Niemisto, Paula Shoeman, Tam, David McCraw, Nell Gallogly, Kate LoPresti, Jeffrey Miranda Organizations: Spotify, The New York Times, FTX, Conference, NFL, Google, “ New York Times, MDC, Republican, Alameda, Twitter, Harlem Globetrotters, Washington Generals, Wharton School, University of Pennsylvania, Fork University, Caud Academy, they’re, TA, . University, University, Hard Fork, Wharton, DMs, San, San Francisco, Cruise, Department of Motor Vehicles, University of Michigan Transportation Research Institute, Virginia Tech Transportation, YouTube Locations: New York, California, Bahamas, Alameda, FTX, autodelete, Caroline, Wharton, GPT, Kenya, America, San Francisco, Charlotte , North Carolina, Texas, North Beach, Cruise, Franciscans, robotaxis, AVs, Rhode Island, Zurich, Paris, Madrid, Swiss, Switzerland
The average sticker price for college, or published costs for tuition and fees, has been rising — but most families don't pay full price. Here are three strategies that can help you pay for college now and save for rising costs in the future. Last year, about 30% of parents used college savings plans such as 529 plans to pay for about $7,800 of college costs, on average, according to the Sallie Mae report. For families who remain concerned about making ends meet based on the financial aid award they've received, it is possible to ask the college financial aid office for more aid. If your circumstances are now different, that should be brought to the financial aid office's attention.
Persons: Sallie Mae, Adam Nguyen, Ivy Link, Roth IRAs, Ivy, Nguyen, Rob Franek, Mark Kantrowitz, they've, you've Organizations: College Board, Istock, Getty, Ivy, The Princeton, ACT, College
Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailOff-campus student apartment rents outperform as overall rents coolCNBC's Diana Olick joins 'Power Lunch' to discuss rising off-campus housing costs as college students across America prepare to move in.
Persons: Diana Olick Organizations: America
25 Financial Tips for College Students
  + stars: | 2023-08-15 | by ( Demetria Gallegos | ) www.wsj.com   time to read: 1 min
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That has made it tricky to predict consumer spending. The swirl of confusing trends tees up a closely watched retail earnings season that could offer more clarity about consumers and the economy. As inflation cools, the growth of average hourly earnings has begun to outpace the rise in the consumer price index. He called low unemployment "the big offset that's helped consumer spending hang in." "I thought with all of the revenge travel that's been happening, that would impact consumer spending on goods," she said.
Persons: Aditya Bhave, that's, Andrew Garthwaite, That's, Levi Strauss, Chip Bergh, Michael Baker, Davidson, splurge, Baker, Taylor Swift, Davidson's Baker, Nikki Baird, she's, I'm, Corie Barry, headboards Organizations: Getty, Bank of America, Target, Walmart, JPMorgan, Wall, Federal Reserve, Credit Suisse, U.S, of Labor Statistics, CNBC, . Bureau, Labor, D.A, New York Federal Reserve, Federal Reserve Board Locations: Waterbury , Connecticut, U.S, Italy
In two weeks, the new school year will begin at Florida’s New College, the progressive public liberal arts school singled out by Gov. Hampshire College, a small private liberal arts school in New England, has offered financial aid to New College students so they can transfer without tuition increases. Last week, New College’s leadership announced that it was moving to abolish the gender studies department. Given that Rufo frames the New College takeover as a demonstration project to be repeated by red states nationwide, I’d expect attempts to scrap gender studies to spread. Rufo speaks a lot about academic excellence and the virtues of a classical liberal education.
Persons: Ron DeSantis, Chris Rufo, DeSantis, Rufo, Steven Walker, , Walker Organizations: Florida’s New College, Gov, Hampshire College, New College, New, Wyoming Legislature, The Sarasota Herald - Tribune, ACT Locations: New England, Hampshire, America, Hungary, Wyoming
College students must file the form each year to get financial aid from the federal government. Many states and colleges also base their own aid on the federal form. Some changes, like shielding more of a family’s income from the aid calculation, tend to increase eligibility for financial help. About a third of college students have a sibling who is also enrolled, Dr. Levine said. One rationale for the change is that financing a college education now involves long-term saving and borrowing, and isn’t something that most people can pay for with their current income.
Persons: Pell, MorraLee Keller, Levine, ” Dr Organizations: Education Department, National College
Goldman Sachs' summer internship program is harder to get into than Harvard. This summer Goldman hosted 2,970 interns, about 500 of whom were placed in the investment bank, according to stats provided by Goldman. Some rising juniors are also part of the internship classes, however, including Stephenson, who applied for her first Goldman internship during her freshman year of college. Last summer, Stephenson took the subway to work, which had its share of problems. According to Friedland, there's no "busy work" or "shadowing" and the senior bankers rely on the interns to do real work.
Persons: Goldman Sachs, Goldman, India Stephenson, Stephenson, she'd, she's, It's, Dave Friedland, Friedland, they'll, , Conrad, I'm, it's, I've, you've, Nobody's, that's, we've Organizations: Harvard, Princeton, Investment Banking, Committee, Columbia University, University of Michigan, Brookfield, Investment, Goldman, Columbia Locations: India, Goldman's, Manhattan, San Francisco, New York City, Naya, there's, multitask, Goldman
Eros Hoagland | Getty ImagesOver the past few years, Alicia Browne has noticed a change in what college students haul out of cars on move-in days at the University of Alabama. A growing pie — and market share up for grabsAs college spending is poised to grow, retailers have another reason to vie for students' dollars. Jakub Porzycki | Nurphoto | Getty ImagesIt is difficult to estimate how much college market share Bed Bath had in total. Shipt, the Target-owned delivery service, and Walmart have both tried to attract more college students to their membership programs by offering a special discounted price. She said the company's growth has been fueled by college students who want uniquely decorated rooms that reflect their personalities.
Persons: Eros Hoagland, Alicia Browne, Keurig coffeemakers, decorators, Browne, Prosper, Browne chalks, " Browne, Marshal Cohen, Jakub Porzycki, Harmon, Cristina Fernandez, Sonoma, TikTok, Dormify, Amanda Zuckerman, Zuckerman, Kate Reppeto, Callie Weathers Kate Reppeto, Repetto, she's, Anna Emblom Organizations: University of North, Hill, University of Alabama, College, National Retail Federation, IRI, NPD, Target, Walmart, Consulting, Deloitte, Nurphoto, Goods, Ikea, Telsey Advisory, Williams, Hamptons, Madison, University of Mississippi, Eagle Locations: University of North Carolina, Chapel Hill , North Carolina, Kohl's, Bath, Bed, Williston , Vermont, New York City, Madison Ave, Oxford, Miss, Southlake, Dallas, Fort Worth in Texas, Birmingham, Ala
Apple used to dominate the K-12 education market. By missing out on schools, Apple is losing the unique relationship it once had with students. Long before music was part of Apple's DNA and computers were something to be strapped to one's face, Apple was the de facto standard for K-12 education. Apple's share of the K-12 education market has been under siege since at least 2017 , when low-cost Windows computers and Google's affordable Chromebooks with its suite of cloud apps, began to own the market. But maybe more importantly, Google now owns the K-12 market because Apple appears to be uninterested in it.
Persons: Apple, Michael Gartenberg, Long, Mavis Beacon, Chromebooks, Apple hasn't, They're Organizations: Apple, Morning, Los, Google, Schools, Mac Locations: Los Angeles, Cupertino
Editor’s Note: Oona Hanson is a parent coach in private practice and a family mentor at Equip, an eating disorder treatment program. Eating disorders can affect people of all genders and ethnicities,” said Lauren Muhlheim, a clinical psychologist in Los Angeles and the director of Eating Disorder Therapy LA. Food insecurity in collegeBody image concerns and dieting aren’t the only potential disruptors to a college student’s eating behavior. Warning signs of an eating disorder include weight loss, mood changes, social isolation, or a preoccupation with food, weight or exercise. While there is no way to prevent every eating disorder, awareness of risk factors and open communication can make a difference.
Persons: Oona Hanson, , Leslie Gee, , Lauren Muhlheim, Edwin Tan, it’s, It’s, Toby Morris, Whitney Trotter, Trotter, Morris, ” Gee, Muhlheim, Sarah Minkow, Charday Penn, ” Morris Organizations: CNN, University of California, National Alliance for Eating Disorders Locations: Berkeley, Los Angeles, Memphis , Tennessee
THOUGH SALIMA BOUFELFEL and Roberto Cowan are known in the fashion world as the owners of the influential vintage clothing boutique Desert Vintage, they’re historians at heart. Tucson natives, they met as college students while working at an outpost of the used clothing chain Buffalo Exchange across the street from the University of Arizona. Boufelfel, 36, grew up in a family of artists and academics and developed an affinity for styling while costuming school plays; Cowan, 33, comes from a long line of seamstresses and taught himself to sew around age 13. Both knew early on that they wanted to work with historical fashion so, in 2012, after the owner of a Tucson vintage boutique that Boufelfel frequented put the business up for sale, they took it over, keeping the name and stocking it with pieces not only obscure (Jean Varon and Michael Vollbracht evening gowns; an ’80s jumpsuit from a label called Workers for Freedom) but also rare (Fortuny Delphos dresses, a Victorian-era matador jacket). Eleven years later, their collection of some 5,000 items — spanning Edwardian London to Y2K Tokyo — has drawn a global following of designers and stylists, who turn to Desert Vintage both to inform their work and to fill their personal wardrobes.
Persons: SALIMA BOUFELFEL, Roberto Cowan, Cowan, Jean Varon, Michael Vollbracht Organizations: Buffalo Exchange, University of Arizona, Workers Locations: Tucson, Boufelfel, London
The pandemic threw Gen Zers off their professional trajectories. For the oldest Gen Zers, the pandemic economic recovery was a huge success. Here's how the class of 2019 won the pandemic recovery. The class of 2019 graduated into recession fears, but it was an economic downturn like none we've seen beforePolitano technically graduated in fall 2018, but considers himself part of my cohort as he began work in 2019. Are you a class of 2019 graduate, and have a story to tell about the economy of the last four years?
Persons: Gen Zers, Zers, Zers —, , Joey Politano, he'd, Politano, couldn't, that's, they're, Hillary Hoffower Organizations: Service, Pew, millennials Locations: Wall, Silicon
This summer Goldman hosted 2,970 interns, about 500 of whom were placed in the investment bank, according to stats provided by Goldman. They advised future Goldman interns to learn how to multitask and have a solutions-oriented mindset, among other suggestions. "You go into someone's office, you don't sit there and say, 'I don't know how to do this,'" he said. As selective as the application process is, Goldman summer analysts are not expected to know how to do their jobs before they start. "I said, I'm really nervous, I don't know how to model.
Persons: Goldman Sachs, Dave Friedland debunks, Stephenson, , it's, Goldman, Dave Friedland, India Stephenson, Friedland, David Freidland Goldman Sachs Friedland, we've, It's, Princeton University —, they're, who's, I'm Organizations: Wall, Cross Markets, Investment Banking, Committee, Columbia University, University of Michigan, Princeton University Locations: dealmaking, India
Jaden Smith said his mother, Jada Pinkett Smith, introduced him to magic mushrooms. Jaden Smith recently discussed his introduction to psychedelic mushrooms by his mother, Jada Pinkett Smith — who has credited mushrooms as helping her overcome crippling depression. (L-R) Jaden Smith, Jada Pinkett Smith, and Will Smith. Trey Smith, Willow Smith, Jaden Smith, Will Smith, and Jada Pinkett Smith at the premiere of Apple Original Films' "Emancipation" on November 30, 2022. There are too many unknowns and too much to lose with a developing brain," psychiatrist and neurobiologist Dr. David Feifel told Insider.
Persons: Jaden Smith, Jada Pinkett Smith, Jada Pinkett Smith —, Jaden, Smith, Dustin Hines, Rochelle Hines, Will Smith, Amy Sussman, WireImage, , Trey Smith, Willow Smith, Hines, it's, psychedelics, Dr, David Feifel, Feifel, haven't Organizations: Service, psychedelics, University of Nevada Las, Hines, National Survey, FDA, Apple Locations: Wall, Silicon, Denver
A new study shows kids of the top 1% are over twice as likely to be admitted to Ivy Plus colleges. That's despite scoring no better than students of other income groups, per an Opportunity Insights study. Ivy Plus refers to the eight Ivy League colleges Brown, Columbia, Cornell, Dartmouth, Harvard, UPenn, Princeton, and Yale, plus Stanford, MIT, Duke, and the University of Chicago. On Tuesday, the US Department of Education launched a federal civil rights probe against Harvard, alleging favoritism towards legacy students in their admission process, per Reuters. The Ivy Plus colleges did not immediately respond to requests for comment from Insider, sent outside regular business hours.
Persons: Rhodes Organizations: Ivy Plus, Service, Opportunity, Harvard, Ivy, Ivy League colleges Brown, Cornell, Dartmouth, Yale, Stanford, MIT, Duke, University of Chicago, US, Associated Press, US Department of Education, Reuters Locations: Wall, Silicon, Columbia, UPenn, Princeton
Affordability often comes down to how extensive a student's financial-aid offers are — including grants and scholarships. But I'm a college-education expert and one of the authors of "Commencement: The Beginning of a New Era in Higher Education," and I've seen countless students negotiate a higher deal. If you're an incoming freshman, you have every right to go back to the college or university and renegotiate your financial-aid offer. That's the tuition price listed on the school's website. That means a $40,000 tuition price tag often gets reduced to $18,200, but only if you ask for it.
Persons: you've, You've, I'm, They'll, it's Organizations: Service, Higher, ACT, KFC, CVS, PepsiCo, Intel, Meijer Locations: Wall, Silicon
The study — by Opportunity Insights, a group of economists based at Harvard who study inequality — quantifies for the first time the extent to which being very rich is its own qualification in selective college admissions. The result is the clearest picture yet of how America’s elite colleges perpetuate the intergenerational transfer of wealth and opportunity. Less than 1 percent of American college students attend the 12 elite colleges. For the several elite colleges that also shared internal admissions data, they could see other aspects of students’ applications between 2001 and 2015, including how admissions offices rated them. Share of admitted students who were recruited athletes at selected elite colleges Recruited athletes at elite colleges were much more likely to come from the highest-earning households.
Persons: , Susan Dynarski, Raj Chetty, John N . Friedman of Brown, David J . Deming, Christopher L, , Neil Gorsuch, didn’t, Ivy, Dynarski, Pell, You’re, Michael Bastedo, Bastedo, John Morganelli, don’t, It’s, you’re, Jana Barnello, Stuart Schmill, “ It’s Organizations: Elite College, Ivy League, Opportunity, Harvard, Stanford, Duke, University of Chicago, Harvard Graduate School of Education, Princeton, Notre Dame, Public, University of Texas, University of Virginia, Fortune, University of Michigan, New York Times, Dartmouth, University of Michigan’s School of Education, Cornell, College Board, Brown, University of California Locations: M.I.T, America, Northwestern, N.Y.U, Austin, United States, California, U.C.L.A
Just add eight healthy lifestyle choices to your life at age 40 and that could happen, according to a new unpublished study analyzing data on US veterans. No problem, you could prolong your life by up to 21 years, the study found. Adding just one healthy behavior to a man’s life at age 40 provided an additional 4.5 years of life, Nguyen said. Adding a second led to seven more years, while adopting three habits prolonged life for men by 8.6 years. 5: Eating a plant-based diet would raise your chances of living a longer life by 21%, the study found.
Persons: You’ll, , Xuan, Mai Nguyen, , don’t, ” Nguyen, Nguyen, Walter Willett, it’s, , that’s Organizations: CNN, Million, Boston Healthcare, American Society for Nutrition, Million Veteran, SES, Harvard, of Public Health, Harvard Medical School, CNN’s, Department of Health, Human Services Locations: Chan
Apple's new Vision Pro virtual reality headset is displayed during Apple's Worldwide Developers Conference (WWDC) at the Apple Park campus in Cupertino, California, on June 5, 2023. College classes and internship programs are employing VR headsets to teach students and early talent the ropes of an office environment. Laura Bedalov, a customer success manager at Cappfinity, sets up the virtual reality workplace environment that colleges and internship programs are using to train young people. Within UCD's virtual reality world, which was developed in partnership with Cappfinity, students may take on the role of a human resources employee choosing a job candidate to hire. Maurice Knightly, education innovation lead at UCD's Innovation Academy who helped spearhead the VR class, says headset prices have gotten cheaper over time.
Persons: Laura Bedalov, Jeannie Liakaris, Rebecca Picciotto, Cappfinity, Ernst & Young, Alan O'Donnell, O'Donnell, Maurice Knightly Organizations: Apple's Worldwide, Apple, Meta, Microsoft, University College Dublin, UCD's Innovation Academy, UCD, VR, CNBC, Netflix, Pico Locations: Cupertino , California
Public pools are disappearing across America
  + stars: | 2023-07-22 | by ( Nathaniel Meyersohn | ) edition.cnn.com   time to read: +12 min
Yet just as public pools become more important than ever, they’re disappearing from sight. Today, the city has five public pools for a population of around 640,000, ranking 89 out of the largest 100 cities in swimming pools per person, according to Trust for Public Land, an advocacy organization for public parks and land. Private pools, like these in Southern California, have replaced public pools in recent decades. When America built poolsWhile public pools are a rarer sight today, governments built enormous pools during the twentieth century. Hannah Beier/ReutersBut the loss of public pools cannot be picked up fully by private pools or non-profit groups.
Persons: Gerome Sutton, , Sutton, ” Sutton, Matt Stone, won’t, Tammy Hawkins, We’ve, Andrew Kahrl, “ We’ve, ” Kahrl, Mario Tama, Jeff Wiltse, Robert Moses, ” Wiltse, Victoria Wolcott, Louis, Walcott, Whites, Martin Luther King Jr, , Funtown, suburbanites, John Cornell, Wolcott, Kahrl, Kevin Roth, It’s, Hannah Beier, LaShandra Logan, , ” Logan Organizations: New, New York CNN, National Weather Service, YMCA, Public, Courier, USA, Aqua, Louisville, University of Virginia, National Recreation and Park Association, University of Montana, , Hulton, York, federal, Project Administration, San, University at Buffalo, ” Police, D.C, Kerner Commission, The Old, The Old Westbury Country Club, Newsday, Getty, Whites, Recreation and Park Association, Reuters Locations: New York, Louisville , Kentucky, Algonquin, Louisville, West Louisville, Cypress St, America, Southern California, America —, , New York City, San Francisco, St, Louis, Baltimore, Washington, Los Angeles, Cincinnati, Augustine , Florida, White suburbs, The, The Old Westbury, Mississippi, Cleveland, California, Parks
The National Retail Federation is predicting record spending , whether students are heading back to elementary school, high school or college. Bracing for higher prices as wages fall Baked into that outlook was an expectation held by the vast majority of respondents, 82%, that prices will be higher this year than in 2022. As in the KPMG survey, the gain largely reflected the perception that prices will be higher this year. In the JLL poll, Walmart , Target and Amazon were among the top three retailers parents planned to shop, by a wide margin. Stifel reiterated its price target of $163 for Walmart, saying, "We continue to see more upside than downside from current levels."
Persons: Paul Ashworth, Staples, Mark Astrachan, Astrachan, Stifel, Corey Tarlowe, Tarlowe Organizations: Prime, National Retail Federation, KPMG, Big, Capital Economics, Consumers, Walmart, Target, Old Navy, Kohl's, Macy's, Costco, Adobe Analytics, Jefferies, Amazon, Walmart U.S, Bed Locations: American
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