Podcast appearances and mentions of Paul Leonard

Bibliotecaria Talia Guzman-Gonzalez informa sobre los materiales en español que hay en la bibliotecaria J. Paul Leonard.

Join MEMBERS ONLY to get access to perks: https://www.youtube.com/channel/UCSo2azieL7E7uzkXGvEeMSw/join   For only $4.99 a month, get EVERY NEW podcast episode EARLY and AD-FREE. As a member, you'll have access to guest AMAs to get your questions answered. Enjoy the cool elitefts badge next to your profile name as well.      elitefts Apparel: https://www.elitefts.com/shop/apparel.html               Support and help the Podcast grow by Joining The Crew:  https://www.elitefts.com/join-the-crew       Welcome Paul Leonard to the 319th episode of Dave Tate's Table Talk podcast. Paul Leonard, a powerlifter from 1986 to 2018, holds multi-ply records of an 810 squat, 480 bench, and 744 deadlift. His best raw lifts include a 545 squat, 322 bench, and 628 deadlift in the USAPL as a masters lifter, with a raw deadlift of 750 and a single-ply bench of 534. Paul also competed in strongman, placing 4th at the 2005 Atlantis Strongman Competition. Recently, he's participated in ArmliftingUSA grip contests and authored Built by History on Amazon. He also announces powerlifting and strongman contests for the USPA and USS.  Paul's IG: https://www.instagram.com/pauljleonardplusa/          SPONSORS     Marek Health   A telehealth platform specializing in hormone optimization and preventative medicine. Offers self-service labs and guided optimization with competitive pricing.  Save 10% on your first order with code TABLETALK. Visit Marek Health today: https://marekhealth.com/tabletalk     LMNT   A zero-sugar, naturally-formulated electrolyte drink mix suited for athletes and those on hydration-focused diets.  Receive a free 8-flavor sample pack with any purchase. https://partners.drinklmnt.com/free-gift-with-purchase?utm_campaign=agwp&rfsn=6760586.28b9b1e&utm_medium=sponsor&utm_source=tabletalk&utm_content=&utm_term=     RP Hypertrophy App An advanced training app designed for maximum muscle growth. Early access pricing starts at $24.99.  Visit the provided link for more details and discounts. https://go.rpstrength.com/hypertrophy-app/   CODE: TABLE TALK   elitefts   Offers a wide range of gym equipment and apparel.  Support the show: https://www.elitefts.com/content/table-talk/   Save 10% with code TABLETALK. CODE: TABLETALK All profits support Dave Tate's Table Talk Podcast. SUPPORT THE SHOW Support and help the Podcast grow by Joining The Crew:  https://www.elitefts.com/join-the-crew  All profits from elitefts Limited Edition Apparel, Table Talk Coffee, and Team elitefts Workouts, Programs, and Training eBooks support Dave Tate's Table Talk Podcast. Shop these elitefts items: https://www.elitefts.com/content/table-talk/       elitefts Shop: https://www.elitefts.com/        elitefts IG: https://www.instagram.com/elitefts/   elitefts Limited Edition Apparel: https://www.elitefts.com/shop/apparel/limited-edition.html

Paul Leonard was betrayed by his eyes. Or was he?Show website: www.truestoriespodcast.comBecome a Patreon Supporter: https://bit.ly/3XLR99vBecome a supporter of this podcast: https://www.spreaker.com/podcast/true-stories-with-seth-andrews--5621867/support.

This episode of the Going Ahead with Goats podcast series, hosted by Kieren Smith, features Paul Leonard, the National Livestock Manager at Thomas Foods International (TFI). Learn about TFI's operations at the Bourke Abattoir, goat meat processing, market demands, supply chain complexities, and export strategies. We discover some challenges faced in managing labor, logistics, and the impact of fencing programs. Join us in the conversation about the importance of sustainability, consumer preferences, and future opportunities in the goat meat industry. Thank you to our guest featured in this episode: Paul Leonard For more information: Going Ahead with Goats Project - https://www.lls.nsw.gov.au/what-we-do/our-major-projects/going-ahead-with-goats-project Thomas Foods International - https://thomasfoods.com/  For a transcript of this episode: https://drive.google.com/file/d/1ro3FHlvOlqo8gk2So9OFKeJy2xHp3mYw/view?usp=sharing  This podcast series is produced by Grow Love Project and hosted by Western Local Land Services, supported through funding from the NSW Government as part of the Going Ahead with Goats project.

We're heading back to the 1960s with the Doctor, Sam and Fitz. There's a revolution in the air - and something else that smells a bit funny. We're joined by range editor Steve Cole and author Paul Leonard, to discuss this EDA which was a big favourite of both Matt and Kenny when it was first published.

We're back doing the mad, crazy thing that we did in November... As we count down, in a Terry Nation style, to the new series of Doctor Who launching, we bring you an episode a day, with each one looking at a different Doctor, and a different adventure, that's probably not the one you were expecting. We're back with the Doctor Who novels, and we kick off with Venusian Lullaby, only the third of the Missing Adventures. We chat with author Paul Leonard.

THE Doctor and Sam have been separated, and Dreamstone Moon seems them nearly reunited... but not quite! Sam's on her on, stuck on an out-of-control Kusk spaceship, and the Doctor has troubles of his own to resolve... We're joined by range editor Steve Cole and author Paul Leonard to discuss this little gem (gettit?) of a novel.

IT'S HORSES for courses today on Pieces of Eighth, as we chat about the Eighth Doctor Adventure, Genocide. We've got three readings from Paul Leonard's novel, the fourth in the series, as well as a chat with editor Steve Cole, and the author himself - who took a lot of tracking down.

Getting a mortgage for your home is a pretty straight forward process but what happens when you are looking for one for a rental property. We talk to Paul Leonard, CEO of WealthONE Bank of Canada, about the process of getting a mortgage if your goal is to have a rental property. Find out more at wealthonebankofcanada.com and connect on Instagram and Facebook.

The importance of pay transparency. Founder of Moms at Work, Allison Venditti, makes the case for why it is so important to narrow the pay gap.  Then, advice for real estate investors.  Meghan Chomut, CEO of Porte Rouge, provides context on financial planning, and Paul Leonard of Wealth One Bank weighs in on financing.  Plus, tax tips for when you're self-employed or have a side hustle. Chartered professional accountant Dean Paley simplifies the process. And, Jessica Rowat and Colleen Kormos from Two Girls Investing talk about personal finance on TikTok. To find out more about the guests check out: Meghan Chomut: Instagram Port Rouge: Facebook Two Girls Investing: twogirlsinvesting | TikTok | Instagram Allison Venditti: LinkedIn Moms At Work: Instagram | Facebook | Twitter Dean Paley: com Paul Leonard: com | Instagram | Facebook Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Night one of the Becoming Love Conference with Paul Leonard.

September 2022 Book Club:  The Third Doctor decides to crash Jo Grant & Mike Yates's date to take them to dinner on the planet Karfel, as we read the Missing Adventure 'Speed of Flight,' by Paul Leonard.  First published in October 1996, the book is now long out-of-print, but might still be found in second-hand shops.  Is this the long awaited & much anticipated prequel to ‘Timelash?'  Tune in to find out!   Special thanks to Lauren Deborah for performing the dramatic reading this month.  You can check out her podcast, “My Dad Stole My Limelight,” here and also check out her online substack journal here.   Please help other Doctor Who fans find our show - by leaving us a rating on Apple Podcasts or your podcatcher of choice. Submit your comments via email… “who knows,” we may end up reading your feedback on the podcast!   Facebook: http://facebook.com/allnewdoctorwhobookclub  Twitter: @ANDWBCPodcast  Email: ANDWBCPodcast@gmail.com 

Paul Leonard, PLT Founder & CEO, is joined by Director of Coaching Patti Lawson for our 'Friday for 30 LIVE' Facebook event. Todays discussion was around strength training/weightlifting for all levels of trainee. There was so much information shared and covered, the event became more 'Friday for 60'; lots of great questions from our PLT Nutrition Community! The podcast covers the following important strength training topics: * Beginner/Intermediate * Training plan construct * DOMS (Delayed Onset Muscle Soreness) * Nutrition Timing * Balance of strength training to cardio * Peri/Post menopause & benefits of strength training

WE'RE DELIGHTED to bring you an exclusive chat with one of the most prolific Doctor Who writers from the 'Wilderness Years', from 1989-2005, Paul Leonard. Paul wrote several Doctor Who novels for Virgin's New Adventures and Missing Adventures ranges, before carrying on and writing for the Eighth Doctor throughout his adventures, with his books including Genocide, Dreamstone Moon, Revolution Man, the acclaimed and much-loved The Turing Test, and The Last Resort. Thanks to fellow EDA writer Nick Walters, we've been able to speak to Paul, and our first chat with him covers the Short Trip The People's Temple, which was later brought to life by Paul McGann, who read it for the Earth and Beyond audio cassette release. We also speak with the story's editor Steve Cole, who explains the background to this story. And thanks to Si Hodges for this week's graphic!

In this episode of the podcast, I talk with writer Paul Leonard Williams. Paul has written a series of detective novels based on his central character Gideon Jones. But as we talk I find out that the idea for these stories started in high school but he was talked out of trying to be a writer by his parents. So for many years he actually went into the field of martial arts before deciding to reconnect with his original passion to be a writer later in life. Links Paul Leonard Williams Website https://paulleonardwilliams.com Tom Ray's Art Podcast website - https://www.tomrayswebsite.com --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/tomraysartpodcast/message Support this podcast: https://anchor.fm/tomraysartpodcast/support

Far behind glass doors– solely accessible via appointment– sits a small piano guarded by a bright red ribboned-stanchion on the fourth floor of the J. Paul Leonard library. What makes this instrument worthy of this exclusive treatment? It's over 200 years old and is one in five of its kind left. Read about the piano here.

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Knowing Him | Paul Leonard   Get your hands on some HJT Merchandise today by clicking this link! https://poshmark.com/closet/hjtmerch    Check out our Website!  https://www.healingjourneystoday.com   Follow us on Facebook!  https://www.facebook.com/healingjourneystoday/   Follow us on Instagram!  @healingjourneystoday @thejourneyhjt   Link to Donate through PayPal! https://www.paypal.com/biz/fund?id=6CGU5FN6YFT8W 

Check out our Website!  https://www.healingjourneystoday.com   Follow us on Facebook!  https://www.facebook.com/healingjourneystoday/   Follow us on Instagram!  @healingjourneystoday @thejourneyhjt   Link to Donate through PayPal! https://www.paypal.com/biz/fund?id=6CGU5FN6YFT8W 

Listen to Paul Leonard share what he loves about living and working in Alaska as the supervisory ecologist at Arctic National Wildlife Refuge. He grew up in the rolling hills of Kentucky, fascinated with the frogs and insects of nearby streams. Paul came to Alaska as a college student and the experience changed his life.

You're listening to the Westerly Sun's podcast, where we talk about the best local events, new job postings, obituaries, and more. First, a bit of Rhode Island trivia. Today's trivia is brought to you by Perennial. Perennial's new plant-based drink “Daily Gut & Brain” is a blend of easily digestible nutrients crafted for gut and brain health. A convenient mini-meal, Daily Gut & Brain” is available now at the CVS Pharmacy in Wakefield. Now for some trivia. Did you know that Rhode Island native, Paul Leonard Briggs was an American football tackle who played one season with the Detroit Lions in the NFL? He played college football at the University of Colorado and attended Grand Junction High School. Briggs would serve in the Navy in 1943 and earned a bronze star and purple heart after being hit during a kamikaze attack. He was the head football coach of Bakersfield High School in Bakersfield, California from 1953 to 1985. Next, a fun activity to do tomorrow.. If you have the means and you're in the mood to really splurge, the Ocean House is hosting a dinner from 7 to 10pm tomorrow with a four course meal and wine pairings from Harlan Estate of Napa Valley. The price is an eye-watering $1,000 per person but a bottle of mouth-watering 1996 Harlan Estate which you'll get to try retails for $1,499. We won't be there, but if you do, enjoy! Looking for a new role? We're here to help. Today's Job posting comes from Aramark in Westerly. They're looking for food service workers. Experience preferred and must be able to do occasional heavy lifting of up to 25 pounds. If you'd like to learn more or apply, you can do so by using the link in our episode description.  https://www.indeed.com/jobs?l=Westerly%2C%20RI&mna=5&aceid&gclid=Cj0KCQjwpf2IBhDkARIsAGVo0D2S3gEb-328GyRpBuTTeeKPdn3-klOh0KYAsfete6MEZmI5S4qTg-4aAnQkEALw_wcB&vjk=d06937ce8054ae33&advn=3085667542396710 Today we're remembering the life of Anthony Michael Hundt, of Westerly, RI. Anthony was born in 1990, in New Haven CT. He loved animals, fishing, skateboarding, concerts and going on road trips. Most of all, Anthony loved his family and his friends. He meant so much to so many people, his smile was contagious and his laugh resonated with anyone who heard it. Anthony was survived by his father, mother, sister, brother and grandfather. Thank you for taking a moment with us today to remember and celebrate Anthony's life. That's it for today, we'll be back next time with more! Also, remember to check out our sponsor Perennial, Daily Gut & Brain, available at the CVS on Main St. in Wakefield! See omnystudio.com/listener for privacy information.

In this episode 205, we visit with Howard Covington, Jr., author of “Beyond the Bank: Hugh McColl's Chapter Two,” an in-depth look into the great legacy of Hugh McColl's philanthropy after his retirement from Bank of America and some of the unique aspects of his character and philosophy that made him successful. In his 80s, McColl remains a force for good in Charlotte, North Carolina, from his career at Bank of America to the capital he invests into his neighbors in order to better the community. Paul Leonard, former CEO of Habitat for Humanity, had this to say about the book: “Hugh McColl has never stopped learning, listening, caring, investing, and sharing his remarkable resources and knowledge with people from all walks in life.” Michael Marsicano, president and CEO of the Foundation For The Carolinas, says: “Nothing motivates Hugh McColl more than leading collaborations of strong voices to spark innovative solutions for the challenges of our time.” Engage with the show here: https://linktr.ee/CharlotteReadersPodcast Detailed show notes here: https://charlottereaderspodcast.com Facebook: https://www.facebook.com/charlottereaderspodcast Instagram: https://www.instagram.com/charlottereaderspodcast/ Twitter: https://twitter.com/charlottereader Charlotte Readers Podcast is a proud member of the Authors on the Air Global Radio Network and the Queen City Podcast Network. © Charlotte Readers Podcast and Authors on the Air Global Radio Network

In this episode 205, we visit with Howard Covington, Jr., author of “Beyond the Bank: Hugh McColl's Chapter Two,” an in-depth look into the great legacy of Hugh McColl's philanthropy after his retirement from Bank of America and some of the unique aspects of his character and philosophy that made him successful. In his 80s, McColl remains a force for good in Charlotte, North Carolina, from his career at Bank of America to the capital he invests into his neighbors in order to better the community. Paul Leonard, former CEO of Habitat for Humanity, had this to say about the book: “Hugh McColl has never stopped learning, listening, caring, investing, and sharing his remarkable resources and knowledge with people from all walks in life.” Michael Marsicano, president and CEO of the Foundation For The Carolinas, says: “Nothing motivates Hugh McColl more than leading collaborations of strong voices to spark innovative solutions for the challenges of our time.” Engage with the show here: https://linktr.ee/CharlotteReadersPodcast Detailed show notes here: https://charlottereaderspodcast.com Facebook: https://www.facebook.com/charlottereaderspodcast Instagram: https://www.instagram.com/charlottereaderspodcast/ Twitter: https://twitter.com/charlottereader Charlotte Readers Podcast is a proud member of the Authors on the Air Global Radio Network and the Queen City Podcast Network. © Charlotte Readers Podcast and Authors on the Air Global Radio Network

I've often said that being a Post Producer is one of the most thankless jobs in Hollywood. They are tasked with pleasing seemingly opposing forces, i.e. studios, networks, and show runners, while also managing a team of editors and assistants and making sure the show gets finished on budget (and on time). Having a good post producer that not only knows how to keep the trains running on time but also foster a creative, collaborative environment where everyone performs their best and enjoys life outside of work is a winning combination that is far too rare. Today's guest, Paul Leonard is one of those rare species of producers that has both editors and show runners alike wanting to work with him again and again. Paul has worked in television post production for 23 years and is best known for Co-producing Battlestar Galactica which earned 15 Emmy nominations (with three collective wins). He recently wrapped up a job at Marvel where he was one of the vice presidents of TV Post Production before deciding to go back to freelance producing. Paul is a fountain of knowledge and wisdom with countless ideas about how to lead successful post teams. He also has a wealth of war stories about managing demanding executive producers. In today’s conversation Paul candidly shares his thoughts on what gets editors and AE’s hired, and what qualities he likes his editors to possess in the bay. He combines a winning charm with a no BS approach that has earned him the well-deserved reputation for making great shows while also keeping his team happy and sane (it is possible!!!! But it takes effort). This is a rare “Insider Baseball” conversation that will be valuable to anyone wanting to get the unique perspective of a post producer who is both in charge of hiring, delivering a high quality creative product, and also getting maximum creativity out of his team while promoting a well balanced, collaborative team environment. Want to Hear More Episodes Like This One? » Click here to subscribe and never miss another episode Here's What You'll Learn: Paul's early years starting out as an editor and getting into producing after earning his MFA at USC. Lessons Paul learned in wrangling difficult Executive Producers to try to keep his department from burning out and keep the show on schedule. How Paul became known as the 'Hour Long VFX SyFy Guy' and found himself pigeon holed. The surprising place Paul learned to become a great team manager and keep people happy, united, and doing great work. What made Paul gravitate towards producing rather than directing. How Paul learned to bring out the best in his editing teams and facilitated new creative ideas that he would bring to the Executive Producers on his shows. The fascinating story of how he and his post team saved the studio a million dollars while earning the show 3 Emmy nominations. What it was like working for Marvel Studios and how it affected his career. Why Paul got the moniker 'Mother Hen' from an Executive Producer he worked with. The questions he learned to ask to ensure that the show runs smoothly and his team is taken care of BEFORE starting the job. Paul's thoughts on what it takes to lead a creative team in a collaborative environment and why it's so difficult to cultivate that in Hollywood. How Paul learned to set boundaries with executive producers and earned respect of demanding, bully EPs. What Paul looks for when hiring editors. The sign that he wanted to hold up to editors in interviews to keep them from ruining their chances of getting hired. Advice for editors when interviewing and soft skills that they should possess once they are hired. KEY TAKE AWAY: Address 'the note behind the note' when making creative changes. Paul's advice for getting on the 'inside' at places like Marvel. The important quality that editors should always possess when trying to have a fulfilling career. (HINT: it has nothing to do with talent) Useful Resources Mentioned: Paul’s LinkedIn Profile Paul’s Email Address (Please go through the Insider’s Guide to Writing Cold Outreach first.) Continue to Listen & Learn Ep113: The Importance of Setting Boundaries, Advocating For Yourself, and Asking For Help | with Janace Tashjian Ep112: On Signing COVID Waivers, Kit Rental Fees, and Working Humane Hours | with Cathy Repola, MPEG National Executive Director Ep128: How to Have a Successful Career Without Sacrificing Family | with Farrel Levy How to Find the Right Type of Mentor For You (and When You Should Seek the Best) How to Go From Cold Contact to Your Ideal Mentor In Seven Simple Steps IMDbPro for Networking: The 10 Features That Will Take Your Outreach to a New Level Ep80: How to Avoid Getting Pigeonholed, The ‘Concentric Circles of Networking’ & More | with Doc Crotzer, ACE Our Generous Sponsors: Struggling With Real-Time Remote Collaboration? Meet Evercast As work begins to slowly trickle in again, perhaps the most pressing challenge we as creative professionals face in our post-pandemic reality is real-time collaboration. Zoom is great for meetings, but it sure doesn't work for streaming video. Luckily this problem has now been solved for all of us. If you haven't heard of Evercast, it's time to become acquainted. Because Evercast's real-time remote collaboration technology is CHANGING. THE. GAME. » Click here to be the first to gain early access to the new Evercast P.S. It's (finally) priced for freelancers and indie creatives like us! This episode was brought to you by Ergodriven, the makers of the Topo Mat (my #1 recommendation for anyone who stands at their workstation) and now their latest product. New Standard Whole Protein is a blend of both whey and collagen, sourced from the highest quality ingredients without any of the unnecessary filler or garbage. Not only will you get more energy and focus from this protein powder, you will notice improvements in your skin, hair, nails, joints and muscles. And because they don’t spend a lot on excessive marketing and advertising expenses, the savings gets passed on to you. [optin-monster slug="u1u6n4yv97rxxz4icynf"] Guest Bio: Paul M. Leonard has worked in television post-production for 23 years. He is best known for Co-Producing "Battlestar Galactica", a show TV Guide and Time Magazine called "the best show on television." "Battlestar" earned 15 Emmy nominations in the following categories Leonard supervised: editing, sound editing, visual effects, sound mixing with three collective wins. Paul won a Streamy Award as Producer for "Battlestar Galactica: The Face of the Enemy" in 2009 for Best Dramatic Web Series. In 2012 Paul produced "Battlestar Galactica: Blood & Chrome," a two hour pilot shot entirely on green screen that featured over 1800 visual fx shots, which received three Emmy nominations for best visual fx, sound editing and sound mixing. In an entirely different arena, Paul developed a script and set up the feature film "Assassination Games," which was released on DVD in 2010 starring Jean-Claude Van Damme. Paul also taught a class in editing and post-production for the University of Texas' LA satellite program for ten years. Paul earned his MFA from USC's Peter Stark Producer Program. He wrapped up a VP - TV Post-Production at Marvel job earlier this year. Show Credits: This episode was edited by Curtis Fritsch, and the show notes were prepared by Debby Germino and published by Glen McNiel. The original music in the opening and closing of the show is courtesy of Joe Trapanese (who is quite possibly one of the most talented composers on the face of the planet).

In this episode of Nerds out of Water, Michael and David discuss Facebook and their responsible use of its power as well as touching on some of the less ethical things they do. We talk about how your biometric data can be breached, and the consequences. We also discuss drone delivery of library books and raise awareness of some mental health issues. Really big shout out to Paul Leonard from Dark Escapes Media (see Episode 8 for a full interview!) for doing the audio production on this in order to keep me from blasting your ears off. Twitter David: @davewith7 Michael: @michaellobb FB: https://www.facebook.com/nerdsoutofwater

The U.S. Treasury has been legally robbed! In this episode, discover the secret provisions in the multi-trillion dollar CARES Act that no one is talking about (like the new process for over the counter drug approvals) and discover the reasons behind problems that everyone is talking about (like why Mom & Pops can't get a small business loan approved but Fogo de Chao can.) The good news is that the problems are so obvious that they are easily fixed... If Congress ever comes back from vacation.  Please Support Congressional Dish – Quick Links Click here to contribute monthly or a lump sum via PayPal Click here to support Congressional Dish for each episode via Patreon Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank’s online bill pay function to mail contributions to: 5753 Hwy 85 North, Number 4576, Crestview, FL 32536 Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Recommended Congressional Dish Episodes CD160: Equifax Breach CD199: Surprise Medical Bills CD201: WTF is the Federal Reserve? CD212: The COVID-19 Response Laws Bills H.R.748 - CARES Act Text: H.R.748 - CARES Act Roll Call: H.R.748 - CARES Act House passed by voice vote at 1:25pm on March 27th Transcript: House debate Tom Massie demanded a recorded vote but an insufficient number of members supported him and the demand for a recorded vote was refused Signed by Trump on March 27 CARES Act Outline DIVISION A - Keeping Workers Paid and Employed, Health Care System Enhancements, and Economic Stabilization TITLE I - Keeping American Workers Paid and Employed Act Sec. 1102: "Paycheck Protection Program" (Small Business Loans) The Federal Government will guarantee 100% of the loans made under this authority between February 15, 2020 and June 30, 2020. The loans are allowed to be used by businesses to pay for their employees salaries, tips, sick and vacation time, health care, retirement benefits, and state and local taxes. Sole proprietors and independent contractors are eligible. All payments are capped at a salary rate of $100,000/yr per individual. Payments are not eligible for employees who live outside the United States, even if they are US citizens. A “small business” is defined as a business with fewer than 500 employees per physical location. Usually, franchises in a large corporate chain would be except from receiving these loans, but that exemption is waived. Nonprofits and veterans organizations are eligible as well. The maximum loan amount is $10 million. No personal guarantee or collateral can be required to get the loans between February 15, 2020 and June 30, 2020. There are no penalties allowed for prepayment of the loans. The Federal government will collect no administration fees. Interest rates are capped at 4% Fees for banks: The government will pay the bankers processing fees of 5% for loans under $350,000, 3% for loans between $350,000 and $2 million, and 1% of loans over $2 million. Loan payments must be allowed to be deferred - so no required payments of principal, interest, or fees - for at least 6 months and up to one year. The loans are allowed to be sold on the secondary market, but if the investor doesn’t want to abide by the deferment requirements, the government can buy the loan. Banks are going to be exempted from some disclosure requirements for these loans. The law authorizes $349 billion for this program. Sec. 1106: The loans from Section 1102 are eligible for forgiveness - as in you don’t have to pay them back - if the loan money was used for payroll costs, interest-only on mortgage payments (it specifically excludes payments towards the principal on a mortgage loan), rent payments, and/or utility payments. The government will pay the bankers for amount of the loan forgiven plus interest, capped at the amount of the principal on the loan. The amount of loan forgiveness will be reduced if the business employees fewer people during the COVID-19 crisis than they did before. The amount of forgiveness will be reduced by the amount of salary that employees who make less than $100,000/yr have their pay reduced beyond a 25% cut. Businesses can get loan forgiveness for extra money given to tipped employees. Businesses who re-hire their employees or re-instate employees salary to their pre-crisis level by June 30, 2020 will be eligible to have their loans forgiven. The banks will decide who will have their loans forgiven and banks are prohibited from being punished if the documentation submitted to them is wrong until June 30, 2020. Sec. 1110: From January 31, 2020 through December 31, 2020, businesses with fewer than 500 employees, sole proprietorships, and independent contractors can request a $10,000 advance to pay for employee sick leave, payroll, increased costs for materials, rent, or mortgage payments. The business can be approved using a credit score or self certification of the ability to repay. The advance can be up to $10,000 and must be paid within 3 days. If the applicant is approved for a loan, the advance will be reduced from the loan forgiveness amount. If the applicant isn’t approved, the advance doesn’t have to be repaid. $10 billion is appropriated for the advances. Sec. 1112: The government will pay the principal, interest, and fees for six months on some existing loans that are guaranteed by the government by the Small Business Act. $17 billion is appropriated for these payments. Sec. 1113: Until March 27, 2021, small businesses that want to declare bankruptcy and reorganize under Chapter 11 must have debts under $7.5 million instead of $2,725,625 as is usually the case, which increases the number of small businesses that will be eligible. TITLE II - Assistance for American Workers, Families, and Businesses SUBTITLE A: Unemployment Insurance Provisions Sec. 2102: Pandemic Unemployment Assistance Who qualifies: People who would qualify under existing State laws People who self-certify that are able to work except that the person has been diagnosed with COVID-19, someone in their home has been diagnosed with COVID-19, they are caring for someone with COVID-19, has a child whose daycare or school is closed due to COVID-19, can’t get to work because of a COVID-19 quarantine, their work is closed due to COVID-19, or they are self employed. People who do not qualify are people who have the ability to telework with pay or people who are receiving paid sick leave or other paid leave benefits Effective period: Beginning on or after January 27, 2020 and ending on or before December 31, 2020 Limits: No one can get unemployment benefits for more than 39 weeks, but this can be extended by the Secretary of Labor if needed Sec. 2104: Unemployment Amounts: It’s the amount determined by your state’s unemployment law plus $600 per week if the state chooses to enter into an agreement with the Secretary of Labor. The Federal government will pay for 100% of the costs of the extra unemployment payments and the administration costs. It’s an unlimited appropriation and it’s valid until July 31, 2020. SUBTITLE B: Rebates and Other Individual Provisions Sec. 2201: Issues a means tested “advanced refund" of $1,200 per adult and $500 per child. You only get the full amount as an adult if you make $75,000 per adult or less. People who make more than $75,000 per adult will have their check amount reduced based on their income up to about $100,000. People who make more than that will get nothing. The payment will be delivered via direct deposit to anyone who has authorized the IRS to do so since January 1, 2018 while everyone else will have to wait for checks. If we accidentally get overpaid, the IRS can’t charge us interest on that payment. The payments will be made for the 2019 tax year if you have already done your taxes for last year. If you haven’t, it’ll be based on 2018. They will send a notification in the mail to us about our payments to our last known address, which will tell us the amount and if it’s going to be delivered via direct deposit or by check. Sec. 2202: Waives rules that penalize removing money from your retirement accounts if you take the money out between January 1, 2020 and December 31, 2020.. You can take out up $100,000 in “coronavirus-related distributions”. You are allowed to pay it back in full for 3 years starting on the day you took the money out. To qualify, you have to self certify that you are someone who had COVID-19, is caring for a spouse or dependent who had COVID-19, or someone who was financially screwed in some way due to being quarantined, having work hours reduced, or having to care for a child. Sec. 2203: Waives the requirements that people over the age of 72, or their dependents who inherited their retirement accounts, to withdraw some money from the retirement accounts every year. The waiver is valid even for people who were not adversely affected by COVID-19. Sec. 2204: Allows people - even those that don’t itemize their deductions - to deduct $300 in donations in 2020 for cash payments given to charities, a government organization, educational organizations, veterans organizations… There’s a long list. Applies to taxable years starting with 2020. Sec. 2205: For people who do itemize their deductions, the current limit of cash contributions than can be written off (which is a maximum of 60% of the taxpayer’s tax bill for the year) is suspended. You can deduct up to your entire tax bill, although maybe even more because carry-overs are allowed. For corporations, the usual limit of cash contributions that can be written off (10% of the corporation’s income) is increased to 25% of the corporation’s income. The corporate limit increase is valid only in 2020. Sec. 2206: Allows employers to pay for some of an employee’s student loan - principal and/or interest - tax free if the payment is made by January 1, 2021. SUBTITLE C - Business provisions Sec. 2301: Employers with more than 100 employees will be able to get a tax credit for half of the wages they pay to their employee’s who can’t work, with a limit of $10,000 per employee per quarter. Employer with fewer than 100 employees can get the tax credit for all their employees. Employers who qualify are ones that had to close due to COVID-19 or whose gross receipts are less than 50% of what they were the same quarter last year. Employers who take out the small business loans created by this law can’t get this credit too. They will lose this tax credit in the quarter after their gross receipts are more than 80% of what they were in same quarter the prior year. This is predicted to save companies $54.6 billion. Sec. 2302: Allows employers to defer payroll taxes, with half the amount required to be paid by December 31, 2021 and the other half due by December 31, 2022. Businesses that have had loans forgiven using the provisions in this law are not eligible. Sec. 2303: The IRS code has, for many years, allowed business losses to be carried over to following years, so that the companies tax liability will be lower in the years to come. This law changes that so business losses from 2018, 2019, 2020, and 2021 can be carried backwards to each of the five years before the loss while also allowing the existing option to carry the losses forward too. The law also removes the limit that said that this couldn’t be done to offset more than 80% of taxable income for 2018, 2019, or 2020, which means this can be used to zero out their taxable income for years since 2013. This means that companies will be able to get refunds on taxes they paid on taxes going as far back as 2013. In those years, corporate tax rates were higher, so reducing their income levels retroactively lets them get more money back from those higher tax years. There’s no requirement that the businesses that get this tax gift be in any way negatively affected by COVID-19. This is estimated to provide $25.5 billion to corporations Sec. 2304: Prior to the 2017 tax cut law, individual taxpayers could deduct unlimited business losses against other kinds of income. The 2017 tax law changed that so that losses could only be used to shelter the first $250,000 or $500,000 of a married couple’s nonbusiness income, such as capital gains from stock market investments. This law retroactively removes new limits imposed by the 2017 tax law going back to 2018 and until 2021. This will allow individuals to submit amended returns and get refunds that weren’t allowed in 2018 and 2019. In reality, this will allow wealthy investors to use losses generated by depreciation in real estate to minimize their taxes on profits from things like investments in the stock market. No harm from COVID-19 needs to be proven in order to use and benefit from this provision. This is the second largest tax giveaway in this law. This is projected to cost almost $170 billion. Sec. 2305: Allows corporations expecting a refund due to the repeal of the alternative minimum tax in 2017 to get that refund faster. Sec. 2306: Increases the amount corporations can deduct on the interest expenses it pays on its loans from 30% of the company’s “adjusted taxable income” to 50%. Companies can do this regardless of any affect COVID-19 had on their business. This is projected to cost $13.4 billion. Sec. 2307: A tax credit for real estate owners, this changes a provision in the 2017 tax law to allow real estate owners to write off the costs of improvements to the interiors of their properties in the first year instead of spreading them out over many years. This is backdated to the enactment of the tax law, which will allow real estate owners to get tax refunds. Sec. 2308: Waives the federal excise tax on any alcohol used in hand sanitizer for calendar year 2020. TITLE III - Supporting America’s Health Care System in the Fight Against the Coronavirus Part 1 - Addressing Supply Shortages Subpart A - Medical Product Supplies Sec. 3101: Orders a report from the National Academies of Sciences, Engineering, and Medicine on the security of the United States medical product supply chain, specifically by evaluating the dependance of the United States and our private sector on critical drugs and devices sources or manufactured outside of the United States. Sec. 3103: Manufacturers of certain types of masks and ventilators are granted immunity from lawsuits during public health emergencies. Subpart B - Mitigating Emergency Drug Shortages Sec. 3112: Requires the manufacturers of drugs critical to the public health to report interruptions to the supply of the drug when the cause of the interruption is an interruption in the supply of the active pharmaceutical ingredient. They must also create and implement risk management plans. Is not effective until mid-September 2020. Subpart C - Preventing Medical Device Shortages Sec. 3121: Requires manufacturers of medical devices that are critical to public health to report to the government during or in advance of a public health emergency any interruptions in the manufacture of the devices that could lead to a meaningful disruption in the supply of that device in the United States. Unless it’s not possible, the government must get this notification at least 6 months prior to the date that the interruption or discontinuance is expected. The government must then distribute the information to appropriate health care industry officials. The government can keep the information from the public if disclosing it increases the likelihood of over-purchase of the product. Part II - Access to Health Care For COVID-19 Patients Subpart A - Coverage of Testing and Preventive Services Sec. 3201: Amends the Families First Coronavirus Response Act (the 2nd COVID-19 Response Law) so that coverage is only for COVID-19 tests that are “approved, cleared, or authorized” or that the developer has requested or intends to request emergency use authorization, is developed in and authorized by a State, or another test that HHS determines appropriate in writing. This provision did not change the language (loophole) that requires visits be covered only if they “result in the ordering or administration of a COVID-19 test.” Sec. 3202: Health care providers must publish on a public internet website the prices for COVID-19 testing. If health insurers have a negotiated rate with a providers, they are allowed to pay that rate if it is lower than the published rate. If there is no negotiated rate, the insurance companies must pay the amount listed on their public website. Sec. 3203: The health insurance companies “shall” be required to cover, without cost sharing, “any qualifying coronavirus preventive service” (which is “a service or immunization that is intended to prevent or mitigate coronavirus disease 2019) within 15 days of it’s official recommendation by the United States Preventive Services Task Force or the Advisory Committee on Immunization Practices of the Centers for Disease Control and Prevention. Subpart B - Support for Health Care Providers Sec. 3211: Provides $1.32 billion in extra funding for community health centers that are testing for COVID-19 Sec. 3215: Gives legal immunity in State and Federal courts to medical professionals who volunteer and provide services during the COVID-19 public health emergency declared on January 31, 2020, but the immunity is only valid for actions that took place after March 27th (the date of enactment). The immunity is not valid if the health care professional acted with willful or gross negligence or if the health professional was intoxicated by drugs or alcohol. Subpart C - Miscellaneous Provisions Sec. 3222: Elderly people who are homebound due to social distancing requirements during the COVID-19 emergency will be able to get government food deliveries as if they were homebound due to illness, as the law usually requires. Part III - Innovation Sec. 3301: Allows contracts created by BARDA (the Biomedical Advanced Research and Development Authority) during a public health emergency to continue past the end date of the public health emergency. Sec. 3302: Requires - no option - the Secretary of Health and Human Services to expedite the development and review of new animal drugs if preliminary clinical evidence indicates that the new drug might prevent or treat an animal disease that could cause serious or life-threatening diseases in humans, if the expedited process is requested by the organization creating the animal drug. Part IV - Health Care Workforce Sec. 3401: Appropriates $23.7 million per year through 2025 for grants to health professions schools and other public and nonprofit health or educational organizations, but with most of the grants being funded at significantly lower rates than they were during the Obama years. For example, for loan repayments and fellowships, they provided $5 million/yr during 2010-2014; that’s decreased to $1.2 million for 2021-2025. For educational assistance for people from disadvantaged backgrounds, they provided $60 million/yr during 2010-2014; that’s decreased to $15 million for 2021-2025. For grants to public and nonprofit private hospitals and medical schools, they provided $125 million/yr during 2010-2014; that’s decreased to under $49 million for 2021-2025. For health education center programs, they provided $125 million/yr during 2010-2014; that’s decreased to under $41.2 million for 2021-2025. For public health training centers, they provided at least $43 million/yr for 2012-2015; that’s decreased to $17 million for 2021-2025. The only category that gets significantly greater funding is a pediatric specialty loan repayment program that requires the student to work for at least 2 years in pediatric medicine to get the money. The funding level was $50 million/yr from 2010-2013, the funding is authorized to be unlimited from 2021 through 2025. All of these are authorizations for appropriations, they don’t provide any additional money. Sec. 3403: Requires grants and contracts be awarded for a Geriatrics Workforce Enhancement Program, that would train health professionals in geriatrics. The law authorizes about $40 million, but doesn’t appropriate it. This is a problem because Congress frequently will authorize programs they have no intention of funding, and without the funding, they don’t really exist. Sec. 3404: Authorizes appropriations, but does not appropriate, for nursing eduction programs about $138 million/yr for fiscal years 2021 through 2025, which is a decrease from the funding of $338 million that was valid from 2011-2016. Also authorizes, but does not appropriate, $117 million/yr from 2021-2015 for nursing student loans. Subtitle B - Education Provisions Sec. 3503: Through 2021, the requirement that all colleges match Federal funding for student work-study programs) is waived except for private for-profit organizations. Sec. 3504: Colleges will be allowed to use some of their federal Supplemental Educational Opportunity Grant money for students facing “unexpected expenses and unmet financial need”. The student can be given up to the maximum Federal Pell Grant for that year (which is currently $6,345). Sec. 3505: Allows colleges to pay student their work-study wages up to the full amount they would have been paid had there not been an emergency. They can make the payments in one-time grants or as multiple payments. Sec. 3506: The semester that students with loans couldn’t finish because of COVID-19 will not be counted towards their lifetime limits on subsidized loan eligibility. Sec. 3507: The semester that students with loans couldn’t finish because of COVID-19 will not be counted towards their lifetime limits on Pell Grant eligibility. Sec. 3508: Colleges, including for-profit colleges, that have students with loans withdraw from their schools due to COVID-19 will not have to repay the money they received from that student. The students will not have to return the money either and their loan obligation will be cancelled. The schools are allowed to let the student return after a leave of absence. Sec. 3511: Gives the Secretary of Education the option, at the request of a State, local, or tribal government, to waive statutory and regulatory requirements except for civli rights laws. The waivers may also be granted to charter schools. The waivers will not be valid past the 2019-2020 school year. Sec. 3512: During the COVID-19 emergency, the Secretary of Education can make payments - including on principal and interest - on loans issued to historically black colleges and universities through the HBCU Capital Financing Loan program, but the payments will have to be repaid to the Department of Education no sooner than one year after the COVID-19 emergency ends. The law appropriates $62 million. Sec. 3513: The Secretary of Education is required to suspend all payments due for student loans until September 30, 2020. Interest is not allowed to accrue during the suspension time. Each month during the suspicion must be treated as if the payments were made for the purpose of loan forgiveness programs. During the suspension period, student loan collections actions including wage garnishment and tax refund reductions must stop. People with student loans are allowed to keep making payments towards their principal. Sec. 3518: Allows the Secretary of Education to change the requirements, including matching requirements, for grant money given to colleges for the year of the emergency and the following fiscal year. Sec. 3519: Allows the Secretary of Education to excuse teachers from obligations they made to receive grants. The Secretary of Education is required to waive requirements that teaching service be consecutive for loan forgiveness as long as the teach completes a total of 5 years of required teaching service. Subtitle C - Labor Provisions Sec. 3606: Allows employers who will get a credit for the sick and family leave they are providing their employees to get that credit in advance. Sec. 3608: Required payments to employee pension plans can be postponed until January 1, 2021, but they must be paid with interest. Sec. 3610: Allows any government agency to change their contracts to allow the government to pay for up to 40 hours per week of paid leave that a contractor provides to its employees until September 30, 2020. This only applies to contractors who can’t work because the facilities where they work are closed and who can’t do their work remotely. Subtitle D - Finance Committee Sec. 3701: High deductible health insurance plans that do not include deductibles for telehealth services will still be considered high deductible plans. Sec. 3702: Starting on January 1, 2020, menstrual care products are considered medical products, which allows people to purchase them with Health Savings Accounts. Sec. 3703: Allows people on Medicare to be covered for telehealth visits to doctors they have not seen before. Sec. 3705: During the COVID-19 emergency, dialysis patients who receive their treatments at home do not need to meet face to face with their doctors, which allows the visit to be conducted via telehealth. Sec. 3706: The Secretary of Health and Human Services can allow hospice physicians or nurse practitioners to conduct patient visits via telehealth during the COVID-19 emergency Sec. 3709: Stops the 2% Medicare sequestration from May 1, 2020 through December 31, 2020, but extends sequestration for an extra year (to 2030 instead of 2029) Sec. 3710: Medicare will pay an extra 20% for people diagnosed with COVID-19, using “diagnosis codes, condition codes, or other such means as may be necessary” during the emergency period declared by the Secretary of Health and Human Services. Sec. 3713: Beginning on the day that a COVID-19 vaccine is licensed, Medicare will not charge a deductible for the the vaccine or its administration. Sec. 3714: Allows people on Medicare to get 90 day supplies of their drugs in a single refill for the during of the COVID-19 emergency declared by the HHS Secretary. Sec. 3719: During the emergency period, the Secretary of HHS can loan hospitals an advance of up to 6 months of Medicare payments. The payments can be made periodically or in a lump sum for up to 100% of the their usual payments, 125% for critical access hospitals. Hospitals will have to be given 120 days before any payments are decreased to offset the loans and must be given at least 1 year from the date of their first loan receipt to pay back the balance in full. Subtitle E: Health and Human Services Extenders Part I - Medicare Provisions Sec. 3803: Restores the funding levels of recently gutted low income programs. $13 billion to state health insurance programs, $7.5 billion to area agencies on aging, and $5 billion for aging and disability resources centers, and $12 billion for the National Center for Benefits and Outreach Enrollment. Part II - Medicaid Provisions Sec. 3813: Delays $4 billion in payment cuts to hospitals written into the Affordable Care Act which were supposed to begin in 2014. Hospitals were expected to be treating fewer uninsured individuals when the cuts were written into law. Part III - Human Services and Other Health Programs Sec. 3821: Extends the “Sexual Risk Avoidance Education Program” (abstinence eduction) from its scheduled end of May 22, 2020 to November 30, 2020. The program gives grants to states that agree to promote abstinence-only sex ed. Requirements and funding levels Sec. 3822: Extends the “Personal Responsibility Education Program” from its scheduled end of May 22, 2020 to November 30, 2020. Requirements and funding Part IV - Public Health Provisions Sec. 3831: Adds $1.5 billion to the funding for Community Health Centers to bring the funding to equal the 2019 funding, and funds them at the same rate through November 30, 2020. Adds $241 million to the funding for the National Health Service Corps, whose funding was allowed to lapse in December 2019, restoring its funding to equal the 2019 funding. Adds $45 million to teaching health centers that operate graduate medical programs to bring the funding to equal the 2019 funding, and funds them at the same rate through November 30, 2020. Subtitle F - Over the Counter Drugs Part 1 - OTC Drug Review Sec. 3851: Creates a new process for FDA approval of over the counter drug applications. Allows the Secretary of Health and Human Services to issue administrative orders to approve changes and new uses of over the counter drugs instead of requiring drug companies to go through the standard review process that takes longer. Companies whose applications are approved will get 18 month exclusivity on their drugs. Sec. 3854: Allows sunscreen companies with products affected by a pending FDA order to request that the HHS Secretary instead use the new, faster, less complete administrative order process created by Section 3851 for over the counter drugs. They must make this request by mid September 2020. Administrative orders issued by the HHS Secretary will be “deemed to be a final order”. As part of this process, the company may request and the HHS Secretary must conduct a “confidential meeting” with the company to discuss what data they should submit to show that their ingredients are safe and effective. Part II - User Fees Sec. 3862: Beginning in fiscal year 2021, to fund the new processes for over the counter drug approvals created by Section 3851, facilities that manufacture over the counter drugs will be assessed an annual fee and there will be either a $500,000 or $100,000 fee for requests to change drug monographs using the process created by Section 3851. Companies will not have to pay the fee if they are requesting changes to enhance warnings or instructions on the labels. TITLE IV - Economic Stabilization and Assistance to Severely Distressed Sectors of the United States Economy Subtitle A - Coronavirus Economic Stabilization Act of 2020 Sec. 4002: Defines a “covered loss” as “losses directly or indirectly as a result of coronavirus, as determined by the Secretary”, with “the Secretary” being Treasury Secretary Steven Mnuchin. “Eligible business” is an air carrier or “a United States business that has not otherwise received adequate economic relief in the form of loans or loan guarantees provided under this Act” Sec. 4003: Gives the Secretary of the Treasury the authorization to “make loans, loan guarantees and other investments” to "eligible businesses”, States, and local governments up to a total of $500 billion dollars. $46 billion must be directed at the airline industry and $454 billion will be loans, loan guarantees, and “other investments” determined by the Board of Governors of the Federal Reserve. Sec. 4004: Limits the amount of money that an employee of a business that gets a Treasury Department loan to $3 million plus half of whatever they got over $3 million in 2019 for the length of the loan plus one year. Sec. 4005: Until March 1, 2022, the Secretary of Transportation will have the authority to require any airline that takes loan money to maintain their flight schedules, as the Secretary of Transportation determines is needed. Sec. 4007: Suspends a 7.5% Federal excise tax on airlines from March 27, 2020 through the end of the year. Sec. 4008: Amends the Dodd Frank Wall Street Reform law to allow the FDIC to provide insurance for all accounts of banks that don’t accrue interest until December 31, 2020. Sec. 4009: Between March 13, 2020 and either the end of the COVID-19 emergency or December 31, 2020, the Board of Governors of the Federal Reserve is exempt from requirements that they give the public a day’s notice before their meetings and that they make public the minutes of their behind closed doors meetings. They must only keep a record of their votes and reasons for their votes which might be released to the public later (there’s no requirement that they be released). Sec. 4011: Allows unlimited lending to “nonbank financial institutions” such as insurance companies, venture capitalists, currency exchanges, and pawn shops until the end of the emergency declared on March 13 or until December 31, 2020. Sec. 4012: Lowers the amount of actual money that community banks must have in their possession from 9% to 8%, and gives the banks with less than that a “reasonable grace period” to get the money. This is valid until the end of the emergency declared on March 13 or until December 31, 2020. Sec. 4013: Allows banks to avoid counting troubled loans as troubled on their balance sheets from March 1, 2020 through December 31, 2020 or 60 days after the emergency declared on March 13th ends. Sec. 4014: Exempts banks from relatively new reporting requirements on their credit losses from March 27, 2020 through the end of the emergency declared on March 13 or December 31, 2020. Sec. 4015: Allows the Treasury Department to use its Exchange Stabilization Fund (which had $93.7 billion in it as of February 2020) to get around needing Congressional appropriations to cover any losses the Federal Reserve may need to absorb through its lending programs that allow unusual collateral to be offered like money market funds, corporate bonds, and securities. Sec. 4017: Increases the President’s power to use the Defense Production Act by waiving the requirement for Congressional authorization for projects that cost more than $50 million for two years and waives the requirement that Congress needs 30 days advanced notice before a Defense Production Act project can start for 1 year. Sec. 4018: Creates an Inspector General within the Treasury Department who will be appointed by the President. Says that when the Inspector General requests information, the agencies “shall, to the extent practicable” give him the information or else they will be reported to Congress. Sec. 4019: Prohibits loans or payments originating from the Treasury and Federal Reserve authorized by Section 4003 from going to any company in which the President, Vice President, an executive department head, member of Congress or their spouses, children, or son/daughter in laws own over 20% of the voting stock. Sec. 4020: Creates a Congressional Oversight Commission whose job is to conduct oversight of the implementation of this law by the Treasury Department and Federal Reserve. The commission will have five members: 1 appointed by the Speaker of the House (Nancy Pelosi), 1 appointed by the House minority leader (Kevin McCarthy), 1 appointed by the Senate majority leader (Mitch McConnell), 1 appointed by the Senate minority leader (Chuck Schumer), and 1 Chairperson co-appointed by the Speaker and Majority Leader (Pelosi and McConnell). Sec. 4021: Companies that allow customers to adjust their payment schedules have to report that the customer is current on their payments unless their accounts are already delinquent. This is valid from January 31, 2020 through either the end of July 2020 or 4 months after the emergency declared on March 13th ends Sec. 4022: People with Federally backed mortgages who have been affected by COVID-19 “directly or indirectly” can request and must be granted for a pause in loan payments for a maximum of about a year, but you have to request it twice (again after the first 180 days). Interest and fees will still accrue but they can’t charge any extra interest, penalties, or fees. Customers have to provide no proof of hardship. Prohibits the banks that manage Federally backed loans from moving forward with any foreclosure processes until mid-May 2020 (60 days after March 18, 2020). Sec. 4023: People/companies that own multifamily housing with 5 or more units with Federally backed mortgages who have been affected by COVID-19 “directly or indirectly” can request and must be granted for a pause in loan payments. The forbearance (pause) can be for a total of 90 days as long as the building owner requests it three times with at least 15 days notice. People who get this pause are not allowed to evict their tenants or charge them any late fees during the mortgage payment pause. Sec. 4024: Starting on March 27, 2020 and ending in late July 2020, landlords can not begin eviction proceedings for non-payment of rent or charge fees or penalties for not paying rent. Sec. 4025: Prohibits the government from attaching a string to a loan or loan guarantee that requires the business to negotiate with unions over worker pay or conditions of employment. This is valid starting on the day the business is first issued the loan and ending a year after the loan is paid off. Sec. 4026: Within 72 hours of each transaction, the Treasury Secretary must publish on the Treasury Department website a description of the transaction, the date, and the “identity of the counterparty”, the amount of the loan/guarantee/investment, how the price was determined, the interest rate, conditions, and a copy of the final term sheet. The Treasury Secretary also has to report any contracts entered into for the administration of loans or guarantees within 24 hours after the contract is entered into. The Federal Reserve has to issue reports to Congress that will have to be made public on their website within 7 days of the report being delivered to Congress. Sec. 4027: Appropriates $500 billion Sec. 4029: The authorities given to the Treasury Secretary and Board of Governors of the Federal Reserve to make loans, loan guarantees, and “investments” in businesses and banks will expire on December 31, 2020. Subtitle B - Air Carrier Worker Support Sec. 4112: The Secretary of the Treasury “shall” give money to airlines and the contractors that work with them which “shall exclusively be used for the continuation of payment of employee wages, salaries, and benefits”. Passenger air carriers will get $25 billion, cargo airlines $4 billion, and contractors will get $3 billion. Sec. 4113: The employees will have to be paid whatever rate they were paid from April 1, 2019 through September 30, 2019. Steven Mnuchin will decide all terms and conditions, other than the ones set by section 4114, 4115, and 4116. The payments have to start to be made within 10 days of enactment. The Inspector General of the Treasury Department will have to audit the certifications made by the companies about employee salary and benefit rates. Sec. 4114: Airlines or contractors that take the money can’t furlough their workers or reduce their wages or benefits until September 30, 2020, they can’t buy stock in their company or parent company, or pay out dividends. The Secretary of Transportation is also given authorization until March 1, 2022 to require only airlines or contractors that take the money to continue service to anywhere that they served as of March 1, 2020. Sec. 4115: Prohibits the government from attaching a string to a loan or loan guarantee that requires the airline or contractor to negotiate with unions over worker pay or conditions of employment. This is valid starting on the day the business is first issued the loan and ending on September 30, 2020. Sec. 4116: From March 24, 2020 through March 24, 2022, any airline or contractor that takes the money has to agree that no employee who made more than $425,000 in 2019 will be paid more than what they were paid in 2019, or will receive more than double their 2019 pay as a severance package. Employees that were paid more than $3 million can’t be paid more than $3 million plus half of the amount they were paid over $3 million in 2019. This includes salary, bonuses, stock awards and “other financial benefits”. Sec. 4117: The Treasury Secretary is allowed, but not required, to accept stock and securities and other “financial instruments” from the airlines and contractors. Sec. 4120: Appropriates $32 billion. TITLE V - Coronavirus Relief Funds Sec. 5001: Appropriates $150 billion for State, tribal and local governments. Amounts will be determined by population but each state will get at least $1.25 billion. Washington D.C. is treated as a territory and all territories will split $3 billion. Tribal governments will split $8 billion. Steven Mnuchin will decide how the tribal government money will be divided. The Inspector General of the Treasury must investigate the receipt, disbursement, and use of funds. TITLE VI - Miscellaneous Provisions Sec. 6001: Allows the Postal Service to borrow $10 billion from the Treasury Department. Division B - Emergency Appropriations for Coronavirus Health Response and Agency Operations Bureau of Prisons Sec. 12003: The Secretary of Health and Human Services “shall appropriately consider” distributing personal protective equipment and test kits to the Bureau of Prisons for use by inmates and staff. Sec. 12005: Authorizes and appropriates $300 million that the Secretary of Commerce can use for direct payments to subsistence, commercial, and charter fishery businesses. Department of Energy Sec. 14002: Extends the authority for the Secretary of Energy to sell oil from the strategic petroleum reserve and gives the Department of Energy the authority to sell $900 million worth of oil from the Strategic Petroleum Reserve, $450 million in 2021 and 2022, on top of the $450 million they can sell in 2020. The Judiciary Sec. 15002: Allows for criminal proceedings to be conducted via video teleconferencing until 30 days after the national emergency declaration terminates. It will only be allowed with the consent of the defendant or juvenile after they talk to a lawyer. Election Security Grants Provides $400 million to prepare for the 2020 Federal election cycle, domestically or internationally. The money must be given by the Election Assistance Commission to the states within 30 days. There is no direction on how the money is divided among states. The states have to submit reports on how they use the money. Money not used by December 31, 2020 has to be returned to the Treasury. Pandemic Response Accountability Committee Sec. 15010: Creates a Pandemic Response Accountability Committee that will investigate and report on the use of COVID-19 funds through September 2025. The committee will be operated by two full time paid employees and the other members will be inspectors generals from at least 9 federal agencies. The committee will have enforceable subpoena power. The committee is allowed, but not required, to hold public hearings. The committee will have a public website that is required to provide their findings, data, some contracting information, division of COVID-19 funds by state and congressional district, agency plans for use of funds, all recommendations made to the agencies, etc. Department of Homeland Security Sec. 16004: Prohibits the Department of Homeland Security from transferring War on Terror funds for the COVID-19 efforts. Sec. 16006: The Secretary of Homeland Security must extend the REAL-ID deadline until at least September 30, 2021. Department of Health and Human Services Public Health and Social Services Emergency Fund Provides an additional $27 billion for “developing necessary countermeasures and vaccines, prioritizing platform-based technologies with US based manufacturing capabilities, the purchase of vaccines, therapeutics, diagnostics, and necessary medical supplies”. Products purchased by the Federal government must be purchased in accordance with regulations on fair and reasonable pricing, ensuring affordability in the commercial market is optional. The HHS Secretary can not take any action that would slow down the development of the products. $16 billion can be spent on purchasing items for the Strategic National Stockpile. Funds can be used to construct or renovate “US based next generation manufacturing facilities, other than facilities owned by the United States government” in addition to the authority to construct or renovate private facilities that manufacture vaccines, therapeutics, and diagnostics. Adds an additional $100 billion to reimburse health care providers - public, private, and for profit - for COVID-19 expenses. Sec. 18115: Every lab that performs or analyzes a COVID-19 test must report the result of each test to the Secretary of Health and Human Services until the end of the HHS Secretary’s public health declaration with respect of COVID-19. State Department Sec. 21012: Provides $3 billion for the International Development Association (World Bank), $7.3 billion for the African Development Bank, and authorizes the Treasury “to make loans in an amount not to exceed the dollar equivalent 28,202,470,000 of Special Drawing Rights (which is approximately $38.5 billion as of April 21, 2020) OTC Drugs Bill Information Article: H.R.3443 - Over-the-Counter Monograph Safety, Innovation, and Reform Act of 2019, Congress.gov Article: S.2740 - Over-the-Counter Monograph Safety, Innovation, and Reform Act of 2019, Congress.gov Article: Roll Call Vote 116th Congress - 1st Session On Passage of the Bill (S. 2740), United States Senate, December 10, 2019 Bill Profile: H.R.3443: Clients Lobbying on H.R.3443: Over-the-Counter Monograph Safety, Innovation, and Reform Act of 2019, OpenSecrets.org Bill Profile: H.R.3443: Lobbyists lobbying on H.R.3443: Over-the-Counter Monograph Safety, Innovation, and Reform Act of 2019, OpenSecrets.org Sen. Johnny Isakson - Georgia: Top Industries 1995 - 2020, OpenSecrets.org Sen. Lamar Alexander - Tennessee: Top Industries 1995 - 2020, OpenSecrets.org Articles/Documents Update: Message from Jennifer Roberts, CEO of Chase Business Banking Chase Banking, April 23, 2020 Article: Hard-hit restaurants, gyms and other businesses are battling insurers over the coronavirus, sparking a new Washington lobbying war By Tom Hamburger and Tony Romm, The Washington Post, April 22, 2020 Article: Pelosi says Shall will stay on oversight commission after failure to disclose stock sales by Jeremy Herb and Lauren Fox, CNN, April 22, 2020.  Article: Vaccine Chief Says He Was Removed After Questioning Drug Trump Promoted The New York Times, April 22, 2020 Article: Highlights of the Nearly $500B Coronavirus Relief Bill The New York Times, April 21, 2020 Article: Publicly traded firms get $365M in small-business loans By REESE DUNKLIN, JUSTIN PRITCHARD, JUSTIN MYERS and KRYSTA FAURIA, Associated Press, April 21, 2020 Article: Restaurants’ bailout problem: Unemployment pays more By IAN KULLGREN, Politico, April 20, 2020 Article: Medical Staffing Companies Cut Doctors’ Pay While Spending Millions on Political Ads By Isaac Arnsdorf, ProPublica, April 20, 2020 Article: The coronavirus could force more doctors to sell — or shutter By Bob Herman, Axios, April 20, 2020 Article: Chase and other banks shuffled Paycheck Protection Program small business applications, lawsuit says By Dalvin Brown, USA Today, April 20, 2020 Article: Shake Shack returning $10 million government loan meant for small businesses By Stephanie Ruhle and Alex Johnson, NBC News, April 20, 2020 Article: WTI crude price goes negative for the first time in history By Cameron Wallace, World Oil, April 20, 2020 Article: In Race for Small-Business Loans, Winning Hinged on Where Firms Bank By Ruth Simon and Peter Rudegeair, The Wall Street Journal, April 20, 2020 Article: Zoom's Security Woes Were No Secret to Business Partners Like Dropbox By Natasha Singer and Nicole Perlroth, The New York Times, April 20, 2020 Article: A raw deal By Judd Legum, Popular Information, April 20, 2020 Article: The Trickle-Up Bailout By Matt Taibbi, Taibbi, April 17, 2020 Article: Donna Shalala Selection Makes a Mockery of Bailout Oversight Panel by David Dayen, The American Prospect, April 18, 2020.  Press Release: Pelosi Appoints Congresswoman Donna Shalala to Congressional Oversight Commission of the CARES Act, April 17, 2020.  Article: Ruth’s Chris Steak House Gets $20 Million From Coronavirus Aid Program By Charity L. Scott, The Wall Street Journal, April 17, 2020 Article: The COVID-19 Bailout That’s Left Every Hospital Unhappy In Its Own Way By Rachana Pradhan and Lauren Weber, Kaiser Health News, April 16, 2020 Article: I’m Overseeing the Coronavirus Relief Bill. The Strings Aren’t Attached. By Bharat Ramamurti, The New York Times, April 16, 2020 Article: House lawmakers indefinitely postpone return to Washington By Mike Lillis and Scott Wong, The Hill, April 16, 2020 Article: Paycheck Protection Program out of money: Thousands of small businesses shut out By Stephen Gandel, CBS News, April 16, 2020 Article: Here Are the Contracts Showing How $4.5 Trillion in Stimulus Was Outsourced to Wall Street By Pam Martens and Russ Martens, Wall Street on Parade, April 16, 2020 Article: Most Patients Undergoing Ground And Air Ambulance Transportation Receive Sizable Out-Of-Network Bills By Karan R. Chhabra, Keegan McGuire, Kyle H. Sheetz, John W. Scott, Ushapoorna Nuliyalu, and Andrew M. Ryan, HealthAffairs, April 15, 2020 Article: Renters Are Being Forced From Their Homes Despite Eviction Moratoriums Meant to Protect Them By Alana Semuels, Time, April 15, 2020 Article: One Person is Overseeing Congress's Bailout Loans. He Wants Answers. by Alan Rappeport, New York Times, April 15, 2020.  Article: Policy Memo: Federal Reserve Lending Facilities for Private Companies and Securitizations Americans for Financial Reform, April 15, 2020 Article: Hedge Fund Managers Claiming Bailouts as Small Businesses By Katherine Burton and Joshua Fineman, Bloomberg, April 14, 2020 Article: Rural hospitals shut out of stimulus loans face financial crisis By Rachel Roubein, Politico, April 14, 2020 Article: Tax change in coronavirus package overwhelmingly benefits millionaires, congressional body finds By Jeff Stein, The Washington Post, April 14, 2020 Article: WHITEHOUSE, DOGGETT RELEASE NEW ANALYSIS SHOWING GOP TAX PROVISIONS IN CARES ACT OVERWHELMINGLY BENEFIT MILLION-DOLLAR-PLUS EARNERS Sheldon Whitehouse, U.S. Senator for Rhode Island, April 14, 2020 Article: Your Coronavirus Check Is Coming. Your Bank Can Grab It. By David Dayen, American Prospect, April 14, 2020 Article: Tax change in coronavirus package overwhelmingly benefits millionaires, congressional body finds By Jeff Stein, The Washington Post, April 14, 2020 Article: How Some Rich Americans Are Getting Stimulus ‘Checks’ Averaging $1.7 Million By Shahar Ziv, Forbes, April 14, 2020 Article: Stimulus Oversight Panel Has One Person Trying to Watch $2.2 Trillion Alone By Joshua Green, Bloomberg, April 14, 2020 Article: Coronavirus antibody testing must be covered free of charge, feds say By Stefan Becket, CBS News, April 13, 2020 Article: Unsanitized: Meet The Corporate Bailout’s First Policeman By David Dayen, American Prospect, April 13, 2020 Article: Who's getting these hundreds of billions in government aid? For now, the public may be in the dark By Peter Whoriskey and Heather Long, The Washington Post, April 13, 2020 Article: CARES Act Package Ushers in Changes to OTC Drug Review Process Duane Morris, April 13, 2020 Article: Commission calls for review of election security standards By Tom Temin, Federal News Network, April 13, 2020 Article: Medical Staffing Companies Owned by Rich Investors Cut Doctor Pay and Now Want Bailout Money By Isaac Arnsdorf, ProPublica, April 10, 2020 Article: Furor Erupts: Billions Going To Hospitals Based On Medicare Billings, Not COVID-19 By Jay Hancock and Phil Galewitz and Elizabeth Lucas, Kaiser Health News, April 10, 2020 Article: Providers Begin Receiving $30B in Emergency Funding from HHS, Plus Newly Suspended State Regs Home Care Association of New York State Blog, April 10, 2020 Article: The Colleges Getting The Most Money From The Stimulus Bill By Wesley Whistle, Forbes, April 10, 2020 Article: It is Not All About the Coronavirus: The CARES Act Brings Long-Awaited Over-the-Counter (OTC) Monograph Reform By Genevieve Razick and Carolina Wirth, Arnall Golden Gregory LLP, JDSUPRA, April 10, 2020 Article: Unsanitized: Federal Reserve Rescue Is the Best Rescue By David Dayen, The American Prospect, April 10, 2020 Article: The Fed’s ‘Main Street’ Mistake Wall Street Journal, April 9, 2020 Article: Exclusive: These for-profit colleges could reap up to $1 billion in federal bailout money By Matt Smith, Market Watch, April 9, 2020 Article: Fed's balance sheet swells to record $6.13 trillion By Jonnelle Marte and Ann Saphir, Reuters, April 9, 2020 Article: 'Extremely Alarming': Coronavirus Stimulus Law Allows the Federal Reserve to Hold Secret Meetings on Corporate Bailouts By Jake Johnson, Common Dreams, April 9, 2020 Article: Congress Must Have Skipped the First Three Seasons of Trump Reality Show By Eleanor Eagan, The American Prospect, April 9, 2020 Alert: U.S. CARES ACT ENABLES LONG-AWAITED OTC DRUG REGULATORY MODERNIZATION: KEY HIGHLIGHTS By Brian Burgess and Julie Tibbets, Goodwin, April 8, 2020 Article: Coronavirus: CMS approves nearly $34 billion in accelerated/advance payments to healthcare providers By Keith A. Reynolds, Medical Economics, April 8, 2020 Article: Trump removes inspector general who was to oversee $2 trillion stimulus spending By Ellen Nakashima, The Washington Post, April 7, 2020 Article: Welfare for Wall Street By Nomi Prins, The Nation, April 7, 2020 Article: Congress fixed tax code “retail glitch” and gave real estate a tax windfall By Rich Bockmann and Kevin Sun, The Real Deal, April 7, 2020 Article: Trump removes inspector general who was to oversee $trillion stimulus spending By Ellen Nakashima, The Washington Post, April 7, 2020 Article: Big Restaurant, Hotel Chains Won Exemption to Get Small Business Loans By Bob Davis and Heather Haddon, The Wall Street Journal, April 6, 2020 Article: CARES Act Contains Significant New Over-The-Counter (OTC) Drug Provisions by Charles Andres, Wilson Sonsini, April 6, 2020 Article: Trump’s Aggressive Advocacy of Malaria Drug for Treating Coronavirus Divides Medical Community By Peter Baker, Katie Rogers, David Enrich and Maggie Haberman, The New York Times, April 6, 2020 Article: Private Flights Getting Cheaper Thanks to Stimulus Tax Relief By Katherine Chiglinsky and Tom Metcalf, Bloomberg, April 6, 2020 Article: 2020 CARES Act—FAQs for Nonprofit Organizations and Donors By James P. Joseph Bridget M. Weiss Dana O. Campos, Arnold & Porter, April 6, 2020 Article: What does the CARES Act mean for net operating losses and non-corporate business losses? By Douglas Charnas and Paul Leonard, JDSUPRA, April 3, 2020 Article: Trump announces intent to nominate White House lawyer Brian Miller as inspector general for $2 trillion coronavirus law by Jeff Stein, The Washington Post, April 3, 2020 Letter: Addressed to Secretary of Department of Health and Human Services, Alex Azar By Alexander Sammon, American College of Emergency Physicians, April 3, 2020 Article: Unsanitized: Why Banks Don’t Want to Help Small Businesses By David Dayen, The American Prospect, April 3, 2020 Article: Unsanitized: Aid Package Status Update By David Dayen, The American Prospect, April 2, 2020 Article: It’s Steve Mnuchin’s Economy Now By Alexander Sammon, American Prospect, April 1, 2020 Article: US aims to lease space in emergency oil stockpile, after buying plan canceled, sources say Reuters, April 1, 2020 Article: Trump may rent Strategic Petroleum Reserve storage to U.S. drillers By ARI NATTER, JENNIFER A. DLOUHY AND STEPHEN CUNNINGHAM, World Oil, April 1, 2020 Article: Temporary Waiver of Required Minimum Distribution Rules By Jean McDevitt Bullens, Baker Newman Noyes, April 1, 2020 Article: Unsanitized: It’s the First of the Month By David Dayen, The American Prospect, April 1, 2020 Article: Citigroup CEO Michael Corbat says bank is 'working around the clock' on small business relief program By Hugh Son, The CNBC, April 1, 2020 Article: Tax Savings Opportunities from the CARES Act By John Werlhof, CLA, March 31, 2020 Article: The Relief Package Ushers In Trump's Planned Economy By Matt Stoller, Wired, March 31, 2020 Article: Federal COVID-19 Economic Relief and Its Impact on the Energy Sector: An Overview Energy Alert, Akin Gump Strauss Hauer & Feld LLP, March 31, 2020 Article: Boeing Will Take Aid, Won’t Give Equity Banking Exchange, March 31, 2020 Article: Bailing Out the Bailout By Matt Taibbi, RollingStone, March 31, 2020 Article: US Banks Welcome $2trn Stimulus Package By David White and Zachary Kribs, Kidney News Online, March 30, 2020 Article: CARES Act to Improve Options for People on Home Dialysis By David White and Zachary Kribs, Kidney News Online, March 30, 2020 Statement: FDA on Signing of the COVID-19 Emergency Relief Bill, Including Landmark Over-the-Counter Drug Reform and User Fee Legislation Commissioner of Food and Drugs - Food and Drug Administration - Stephen M. Hahn M.D., U.S. Food & Drug Administration, March 30, 2020 Article: Key Provisions in the CARES Act for Health Care Providers By Health Law Practice - von Briesen & Roper, s.c., The National Law Review, March 30, 2020 Article: CARES On Campus: Stimulus Program & Higher Education By Anne Cartwright and Julie Miceli, JDSUPRA, March 30, 2020 Article: Inside the CARES Act: Changes to the Bankruptcy Code Under the CARES Act By Melissa Anne Peña, The National Law Review, March 29, 2020 Article: Lawmakers Pack Federal Stimulus Bill With Pet Provisions By Brody Mullins and Ted Mann, The Wall Street Journal, March 28, 2020 Press Release: Trump Suggests He Can Gag Inspector General for Stimulus Bailout Program By Charlie Savage, The New York Times, March 27, 2020 Press Release: Statement by the President The White House, March 27, 2020 Article: Unsanitized: The Federal Reserve Loads the Cannon By David Dayen, The American Prospect, March 27, 2020 Article: Inside the talks on the largest U.S. bailout: frantic negotiations, partisan tensions and a Trump tweet By Seung Min Kim, Mike DeBonis, Erica Werner and Paul Kane, The Washington Post, March 27, 2020 Article: Over-the-Counter (OTC) Drug Monograph Process U.S. Food & Drug Administration, March 27, 2020 Article: The Health Care Industry and the CARES Act: Insight and Next Steps Akin Gump Strauss Hauer & Feld LLP, March 27, 2020 Article: Bank Regulatory Provisions in the CARES Act By Robert Klinger, Bryan Cave Leighton Paisner, JDSUPRA, March 27, 2020 Article: Fed Releases Details of BlackRock Deal for Virus Response By Matthew Goldstein, The New York Times, March 27, 2020 Article: Stimulus Bill Allows Federal Reserve to Conduct Meetings in Secret; Gives Fed $454 Billion Slush Fund for Wall Street Bailouts By Pam Martens and Russ Martens, CounterPunch, March 27, 2020 Document: Terms of Assignment for BlackRock on Behalf of the Federal Reserve Bank of New York Regarding Secondary Market Corporate Credit Facility New York Fed, March 27, 2020 Press Release: Acting Secretary Chad Wolf Statement on the REAL ID Enforcement Deadline Homeland Security, March 26, 2020 Article: How the Fed’s Magic Money Machine Will Turn $454 Billion Into $4 Trillion By Jeanna Smialek, The New York Times, March 26, 2020 Article: Unsanitized: The Essential Imbalance of the 2020 Bailout By David Dayen, American Prospect, March 26, 2020 Article: Bonanza for Rich Real Estate Investors, Tucked Into Stimulus Package By Jesse Drucker, The New York Times, March 26, 2020 Article: Funding to refill U.S. Strategic Petroleum Reserve cut from stimulus plan By STEPHEN CUNNINGHAM, ARI NATTER AND JENNIFER A. DLOUHY, World Oil, March 25, 2020 Article: Stop the $6 Trillion Coronavirus Corporate Coup! By Matt Stoller, BIG by Matt Stoller, March 25, 2020 Article: Unsanitized: Bailouts, A Tradition Unlike Any Other By David Dayen, American Prospect, March 25, 2020 Article: Fed taps BlackRock to run emergency programs By Dawn Lim, Market Watch, March 25, 2020 Article: Avoid Taxes, Receive Federal Bailouts By Alexander Sammon, American Prospect, March 25, 2020 Document: INVESTMENT MANAGEMENT AGREEMENT New York Fed, March 25, 2020 Article: Fine Print of Stimulus Bill Contains Special Deals for Industries By Eric Lipton and Kenneth P. Vogel, The New York Times, March 25, 2020 Article: Congress to bail out firms that avoided taxes, safety regulations and spent billions boosting their stock By Jonathan O'Connell, The Washington Post, March 25, 2020 Article: 'Completely Dangerous and Unacceptable,' Ocasio-Cortez Says of Impending Senate Recess in Midst of Coronavirus Crisis By Eoin Higgins, Common Dreams, March 25, 2020 Article: Senate leaving DC until April 20 after coronavirus stimulus vote By Jordain Carney, The Hill, March 25, 2020 Article: Senate stimulus bill extends funding for abstinence education By Tyler Olson, Fox News, March 25, 2020 Article: Oil purchase to fill strategic reserve dropped from stimulus By Benjamin J. Hulac, Roll Call, March 25, 2020 Article: U.S. Fed hires BlackRock to help execute mortgage-backed securities purchases By Pete Schroeder and Michelle Price, Reuters, March 24, 2020 Article: What is the Exchange Stabilization Fund? And how is it being used in the coronavirus (COVID-19) crisis? By Sage Belz and David Wessel, Brookings, March 24, 2020 Press Release: Federal Reserve announces extensive new measures to support the economy Board of Governors of the Federal Reserve System, March 23, 2020 Article: COVID-19 Update: Federal Reserve Launches TALF (Again) By Scott A. Cammarn and Mark Chorazak, The National Law Review, March 23, 2020 Article: Trump's coronavirus eviction freeze won't keep a roof over our heads, advocates say By Tim Fitzsimons, NBC News, March 21, 2020 Article: Addressed to Speaker Pelosi, Leader McConnell, Leader McCarthy, and Leader Schumer By Ben Lane, America's Health Insurance Plans, BlueCross BlueShield Association, March 19, 2020 Article: Fannie Mae, Freddie Mac, HUD suspending all foreclosures and evictions By Ben Lane, Housing Wire, March 18, 2020 Press Release: Federal Reserve Board announces establishment of a Commercial Paper Funding Facility (CPFF) to support the flow of credit to households and businesses Board of Governors of the Federal Reserve System, March 17, 2020 Article: Federal Reserve cuts rates to zero and launches massive $700 billion quantitative easing program By Steve Liesman, CNBC, March 15, 2020 Article: How the drug industry got its way on the coronavirus By Sarah Karlin-Smith, Politico, March 5, 2020 Article: How Much Of Boeing’s Revenues Comes From The U.S. Government? By Trefis Team, Great Speculations, Forbes, January 2, 2020 Article: Funding Legislation Delays $4B in Medicaid DSH Payment Cuts By Jacqueline LaPointe, Revcycle Intelligence, December 20, 2019 Article: Southwest Airlines reaches confidential settlement with Boeing for some of its 737 Max losses By Lori Aratani, The Washington Post, December 13, 2019 Article: Boeing 737 Max Factory Was Plagued With Problems, Whistle-Blower Says By David Gelles, The New York Times, December 9, 2019 Article: How Much Income Puts You in the Top 1%, 5%, 10%? By Julia Kagan, Investopedia, November 21, 2019 Article: Senator Seeks Last Win In Over-the-Counter Drug Bill (Corrected) By Alex Roff, Bloomberg Law, October 31, 2019 Article: Boeing’s 737 Woes Aren’t Hurting Its Pursuit of Military Contracts, Exec Says BY Marcus Weisgerber, Defense One, October 15, 2019 Article: What Percentage of Americans Owns Stock? By Lydia Saad, Gallup, September 13, 2019 Article: FDA Chief of Staff Calls OTC Monograph Reform a Top Priority By Michael Mezher, Regulatory Affairs Professionals Society, May 21, 2019 Article: These 30 companies, including Boeing, get the most money from the federal government By Samuel Stebbins and Michael B. Sauter, USA Today, March 29, 2019 Article: Boeing Was ‘Go, Go, Go’ to Beat Airbus With the 737 Max By David Gelles, Natalie Kitroeff, Jack Nicas and Rebecca R. Ruiz, The New York Times, March 23, 2019 Article: Agencies reporting proposal for the implementation of Current Expected Credit Losses (CECL) Deloitte, January 22, 2019 Article: FDA Opens the Door for a Broader Range of Over-the-Counter (OTC) Drugs by Charles Andres, Wilson Sonsini, August 2, 2018 Article: Jared Kushner Paid No Income Tax for years By Jesse Drucker and Emily Flitter, The New York Times, October 13, 2018 Guidance for Industry: Innovative Approaches for Nonprescription Drug Products U.S. Department of Health and Human Services, Food and Drug Administration, Center for Drug Evaluation and Research (CDER), July 2018 Article: HISTORICALLY BLACK COLLEGES AND UNIVERSITIES: Action Needed to Improve Participation in Education's HBCU Capital Financing Program Office of Public Affairs, GAO, July 26, 2018 Article: 10 Things You Didn't Know About Alex Azar By Katelyn Newman, U.S. News, January 29, 2018 Article: The Richest 10% of Americans Now Own 84% of All Stocks Rob Wile, Money, December 19, 2017 Article: Why the newest sunscreens still haven't hit the U.S. market By Brady Dennis, The Washington Post, May 11, 2015 Article: Washington’s Skin Canc

I’ve known Paul since the early 2000s when we worked together building an e-commerce platform. We connected again after he moved to Vietnam where he was teaching e-commerce, business and English language at a university in Ho Chi Minh City. He was part of Teamscāl for a number of years before moving on to a cutting edge AI company and in the last year, he has transitioned to the entertainment industry by building his production company, Dark Escapes Media. In between all of this he plays bass, enjoys metal and live music, and lives with his wife in Ho Chi Minh City.

Sasha's sabbatical is over and it's back down to business with Paul Leonard's "Dreamstone Moon". The Doctor and Sam are galaxies apart seeking one another when they are thrust into a Phildickian dream world replete with untethered corporate greed and tentacled nightmares. Well, sort of.

With Sasha's sabbatical nearing an end, Brooke and Skip tackle two final Short Trips: "The People's Temple" by Paul Leonard (no Jim Jones here) and Trevor Baxendale's "The Queen of Eros" (with some storge too). This is surely the first time Harlequin Romance novels have been mentioned in our show. It also features even more debate on the poor, misbegotten Sam Jones because we know you can't get enough.

With Sasha's sabbatical nearing an end, Brooke and Skip tackle two final Short Trips: "The People's Temple" by Paul Leonard (no Jim Jones here) and Trevor Baxendale's "The Queen of Eros" (with some storge too). This is surely the first time Harlequin Romance novels have been mentioned in our show. It also features even more debate on the poor, misbegotten Sam Jones because we know you can't get enough.

Deemed by the guys a little too niche for a regular episode, in this Doctor Who Show Presents... Dave takes Rob on a short trip through the Virgin New Adventures (1991-1997), and to a lesser extent, the Virgin Missing Adentures (1994-1997), with a mention of the Featuring Bernice Summerfield line of books (1997-1999). A future episode will see Rob taking Dave through the BBC Eighth Doctor Adventures (1997-2005) and the BBC Past Doctor Adventures (1997-2005). Stay tuned for that in the months ahead. Timewyrm: Genesys, Timewyrm: Exodus, Timewyrm: Apocalypse, Timewyrm: Revelation, Cat's Cradle: Time's Crucible, Cat's Cradle: Warhead, Cat's Cradle: Witch Mark, Nightshade, Love and War, Transit, The Highest Science, The Pit, Deceit, Lucifer Rising, White Darkness, Shadowmind, Birthright, Iceberg, Blood Heat, The Dimension Riders, The Left-Handed Hummingbird, Conundrum, No Future, Tragedy Day, Legacy, Theatre of War, All-Consuming Fire, Blood Harvest, Strange England, First Frontier, St Anthony's Fire, Falls the Shadow, Parasite, Warlock, Set Piece, Infinite Requiem, Sanctuary, Human Nature, Original Sin, Sky Pirates!, Zamper, Toy Soldiers, Head Games, The Also People, Shakedown, Just War, Warchild, Sleepy, Death and Diplomacy, Happy Endings, GodEngine, Christmas on a Rational Planet, Return of the Living Dad, The Death of Art, Damaged Goods, So Vile a Sin, Bad Therapy, Eternity Weeps, The Room With No Doors, Lungbarrow, The Dying Days Goth Opera, Evolution, Venusian Lullaby, The Crystal Bucephalus, State of Change, The Romance of Crime, The Ghosts of N-Space, Time of Your Life, Dancing the Code, The Menagerie, System Shock, The Sorcerer's Apprentice, Invasion of the Cat-People, Managra, Millennial Rites, The Empire of Glass, Lords of the Storm, Downtime, The Man in the Velvet Mask, The English Way of Death, The Eye of the Giant, The Sands of Time, Killing Ground, The Scales of Injustice, The Shadow of Weng-Chiang, Twilight of the Gods, Speed of Flight, The Plotters, Cold Fusion, Burning Heart, A Device of Death, The Dark Path, The Well-Mannered War Andrew Cartmel, Andrew Hunt, Andy Lane, Barry Letts, Ben Aaronovitch, Christopher Bulis, Craig Hinton, Daniel Blythe, Daniel O'Mahony, Dave Stone, David A. McIntee, David Banks, Gareth Roberts, Gary Russell, Jim Mortimore, John Peel, Justin Richards, Kate Orman, Lance Parkin, Lawrence Miles, Marc Platt, Mark Gatiss, Martin Day, Matthew Jones, Neil Penswick, Nigel Robinson, Paul Cornell, Paul Leonard, Peter Darvill-Evans, Russell T. Davies, Simon Bucher-Jones, Simon Messingham, Stephen Marley, Steve Lyons, Terrance Dicks

The story of a remix. The Sa Ta Na Ma track by the Campfire Circle Singers has marked Campfire founder and firestarter Pete Lawrence's return to the recording studio for the first time in over a decade. Hear the main players talking about their parts in the the making of a truly collaborative tune. Interviews with Pete Lawrence, Bryony Croft, Tobias Hug, Bruce Bickerton, Graeme Holdaway, Kimm Fearnley and Paul Leonard..

This month we discuss Paul Leonard's "Genocide", not one of the more cheerful Doctor Who novels I can tell you. Does The Doctor have the right to decide between the fates of the Tractites and Humanity? And what's Jo Grant been up to lo these many years?

Boom -- there it is. NEGOTIATION. Whether you love it or hate it or have had your fill because of bedtime book lists that can rival a college syllabus...you can't deny it's a critical skill to have in your entrepreneur toolbox. I dive deep with Paul Leonard, a media broker who wheeled and dealed in more than $7 billion dollars worth of media transactions during the 1990s. He then retired at 39 and has spent the last decade and a half golfing, helli-sking, paragliding, and looking very official in his home "office." He is also happens to be my Dad and shares my love of peanut butter, a good book, and sarcasm. In this episode you will learn: how to get over negotiation intimidation the steps to take before and during a negotiation for success how to read body language during a negotiation  And the biggest rookie mistake my dad learned as a young buck from a clever man with a slow drawl... Get the full show notes -- including the handout FREEBIE with all of the tips and book recommendations at:  www.brittanyratelle.com/5 

Learn about what goes into making your town a home.

Dan Rather, the award-winning veteran news anchor, was greeted with a standing ovation at Wright State University on Tuesday, Jan. 31. Part of both the university’s Honors Institute and the Presidential Lecture Series, Rather’s lecture was held in the Wright State Nutter Center Arena. The theme of this year’s Presidential Lecture Series and the Honors Institute is “Democracy, Politics and You.” The event was free to and open to the public along with the Wright State community. “Having that kind of access to a historical figure, a legend like Dan Rather is just great,” said Paul Leonard, a political science instructor at Wright State. During his visit to Wright State, Rather also met with political science students, discussing previous presidential elections and the use of social media.

Paul Leonard the Township Manager of Upper Dublin, PA came on the podcast to talk public safety, emergency response and his favorite podcasts. Paul has been in local government for 30 years and is still an active fire fighter.

Close your eyes and imagine a documentary about a rock star. Imagine the way they pan across still photos while the narrator shares stories about the artist. When I do this exercise, I think of Janis Joplin on her knees, Elvis Presley with beads of perspiration dripping from his forehead and cheeks, and Freddie Mercury punching the sky in front of a blazing wall of lights. Still images like these, the ones that make it to print and get etched into our cultural memories, are the ones that capture the essence of the performer and their performance. Our two guests tonight are masters of the lens. Leonard Choice is a New Yorker who lives in Adelaide. He switched from anatomy to fine arts at an early age, then became a performer, moved on to become an event creator and nowadays is a photographer and author with another book due for release. Paul Heck has a PhD in Photography and a Bachelor of Arts in English and Politics, who travels the state on photography assignments. He has run a successful glass art business, worked in Vocational Education and Training, been a member of the CFS for 36 years, and is even a high-performance motorcycle technician. Leonard Choice and Paul Heck, We discuss The role of shadow in photography Printed images vs virtual How to shoot in low light Can anybody take a great photograph Upcoming lessons with Leonard and Paul Leonard's new book Also appearing in the Adelaide photography masterclass episode We hear about Nigel's dalliance in the desert In the musical pilgrimage, we hear a track by Ben Searcy The SA Drink Of The Week is from Fox Creek. In IS IT NEWS, Nigel tests us on And please consider becoming part of our podcast by joining our Inner Circle. It's an email list. Join it and you might get an email on a Sunday or Monday seeking question ideas, guest ideas and requests for other bits of feedback about YOUR podcast, The Adelaide Show. Email us directly and we'll add you to the list: podcast@theadelaideshow.com.au If you enjoy the show, please leave us a review in iTunes or other podcast sites. We'd greatly appreciate it. Support the show: https://theadelaideshow.com.au/listen-or-download-the-podcast/adelaide-in-crowd/ See omnystudio.com/listener for privacy information.

On the May 7th, 2014 episode of Liberal Dan Radio: Last week I discussed the Oklahoma governor's refusal to follow the stay of execution ordered by the OK Supreme court and the legislature using the threat of impeachment to force the court to eliminate the stay. I will go into more details about what happened and some of the dodges that several Conservatives have tried to use to avoid that subject. The White House Correspondents' Dinner was  held over the weekend. President Obama had some great delivery and some great lines. I will review some of the comments made. Finally, at 8:30 I will be bringing on Paul Leonard, candidate running to represent Southern California in Congress. We will be discussing his campaign and taking your calls. All that, headlines, tweet of the week, and more at 8pm Central on Liberal Dan Radio: Talk From The Left, That's Right! If you listen after the live broadcast you can comment on the show thread on liberaldan.com. And remember, the Liberal Dan Kickstarter for 2014 is still going on. You can support the show as a listener or buy advertisements as a business.

John Paul Leonard | Syria Update #1

Paul Leonard '62, Common Hour: What Is Church?

This week, DJ Grandpa interviews video game composer Ken Allen; singer/musician, Devon Sproule; T-shirt designer/medical student, Paul Leonard; video game designer, Ryan Sharr; comic book publisher,... Discover the artists, singers, producers, entrepreneurs, game developers, and inventors of the future at DJ Grandpa's Crib, the unofficial Kickstarter Podcast. With a fresh voice and inspiring interviews, this weekly podcast celebrates the creative genius in each of us. Don’t miss a single episode!

Q-Games vetern artist/designer/man-of-many-faces Paul Leonard joins the Q Krush Krew this week. Although our discussion chops its way through the jungle of the crew's favorite movies, we eventually get to the topic at hand: TGS! We debate the impact of TGS in this modern age, talk about our favorite places to eat while out at the show, and debut our exciting new project for TGS this year! PixelJunk Radio Episode 21: karlPAULkinton!

The civil rights movement brought increased job opportunities for African Americans.  Paul Leonard describes how work changed for black employees of the McComb Railroad Shop.  Leonard remembers the first two black employees of the McComb shop to become engineers.

Welcome and Opening Remarks Stuart Gabriel, UCLA John Quigley, UC Berkeley The Policy Maker's Perspective on the Financial Meltdown and the Economy Janet Yellen, Federal Reserve Bank of San Francisco Stuart Gabriel, UCLA, Moderator The Future of the Housing Finance System Nancy Wallace, UC Berkeley, Moderator Panelists: Brad Blackwell, Wells Fargo Bank John Krainer, Federal Reserve Bank of San Francisco Paul Leonard, Center for Responsible Lending Paul Jablansky, 400 Capital Management LLC

Welcome and Opening Remarks Stuart Gabriel, UCLA John Quigley, UC Berkeley The Policy Maker's Perspective on the Financial Meltdown and the Economy Janet Yellen, Federal Reserve Bank of San Francisco Stuart Gabriel, UCLA, Moderator The Future of the Housing Finance System Nancy Wallace, UC Berkeley, Moderator Panelists: Brad Blackwell, Wells Fargo Bank John Krainer, Federal Reserve Bank of San Francisco Paul Leonard, Center for Responsible Lending Paul Jablansky, 400 Capital Management LLC

DG Martin interviews Paul Leonard - Music of a Thousand Hammers-Inside Habitat for Humanity Habitat for Humanity International focuses on two goals. The first is to build as many houses as it can, using the principles of sweat equity, no interest, no-profit, volunteer-driven construction- one house, one family at a time-in every corner of the world. Today, Habitat is completing a house somewhere in the world every 26 minutes (20,000 per year). Habitat also attempts to make housing a matter of conscience everywhere. Habitat wants everyone to understand that it is morally and socially unacceptable for any human being not to have a simple, decent place to sleep at night. Yet, all is not well in the Habitat household. In late 2004, Habitat’s founder Millard Fuller was forced out of his job by the board of directors of the Christian homebuilding ministry. The announcement that Fuller was stepping down came near the end of a tumultuous year for Fuller and the Americus, Georgia-based organization that he co-founded in 1976 with his wife, Linda. The year included allegations against Fuller by a female employee of inappropriate behavior and a struggle concerning the organization’s future. The shakeout, now apparently complete, could affect Habitat for years.

DG Martin interviews Paul Leonard - Music of a Thousand Hammers-Inside Habitat for Humanity Habitat for Humanity International focuses on two goals. The first is to build as many houses as it can, using the principles of sweat equity, no interest, no-profit, volunteer-driven construction- one house, one family at a time-in every corner of the world. Today, Habitat is completing a house somewhere in the world every 26 minutes (20,000 per year). Habitat also attempts to make housing a matter of conscience everywhere. Habitat wants everyone to understand that it is morally and socially unacceptable for any human being not to have a simple, decent place to sleep at night. Yet, all is not well in the Habitat household. In late 2004, Habitat’s founder Millard Fuller was forced out of his job by the board of directors of the Christian homebuilding ministry. The announcement that Fuller was stepping down came near the end of a tumultuous year for Fuller and the Americus, Georgia-based organization that he co-founded in 1976 with his wife, Linda. The year included allegations against Fuller by a female employee of inappropriate behavior and a struggle concerning the organization’s future. The shakeout, now apparently complete, could affect Habitat for years.