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   Daily Brew // Morning Brew // Update
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     Affirmative action hangs in the balance...
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             October 31, 2022
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               🎃
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                Good morning and Happy Halloween.
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               Thanks to everyone who submitted their costumes for our contest—I feel like seeing some of you rock a Bud Lightyear outfit in your living room really took our relationship to the next level. Scroll down to see the winners.
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               —
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                Neal Freyman
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                CLICK
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               THIS TO REMAIN A SUBSCRIBER
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              Clicking on newsletter links is the only way for us to know you are reading (and enjoying) Morning Brew. If you don't click by next month, you will stop receiving this newsletter.
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              to let us know that you’re still an active subscriber. Thanks!
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      <!-- MARKETS -->
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              <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
               MARKETS: YEAR-TO-DATE
              </h3>
             </td>
            </tr>
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           <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;" width="100%">
            <tr>
             <td class="pad5m">
             </td>
            </tr>
            <!-- Nasdaq -->
            <tr>
             <td class="pads10 pads6m lastline" style="border-bottom:1px solid #e6e6e6;padding-bottom:0;text-align: center; border-top: 1px solid #e6e6e6; mso-padding-alt: 0 20px 0 20px;">
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               <tr>
                <td align="center" class="markets-arrow-cell" style="width:12%;text-align: center; line-height: 1em;" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.sailthru.com%252F5z8%252F1k5%252F4%252Fm%252F6081a6aedba0d.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1opRW2:9dNjmupIhdmGx84OJVrBu3TwqxMZs53oTaDYA6EbjpI" style="width:22%" width="20"/>
                </td>
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                  Nasdaq
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  11,102.45
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top: 8px; padding-bottom: 8px;" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="width:70%;border-collapse:collapse; margin: 0 auto;">
                  <tr>
                   <td style="padding-left: 8px; padding-right: 8px; padding-top: 10px; padding-bottom: 10px; border-radius: 8px; background-color: #FFB3B3; background-color: rgba(255, 3, 3, 0.3);" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: center;">
                     -29.04%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Nasdaq -->
            <!-- S&P -->
            <tr>
             <td class="pads10 pads6m lastline" style="border-bottom:1px solid #e6e6e6;padding-bottom:0;text-align: center; border-top: 1px solid #e6e6e6; mso-padding-alt: 0 20px 0 20px;">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;" width="100%">
               <tr>
                <td align="center" class="markets-arrow-cell" style="width:12%;text-align: center; line-height: 1em;" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.sailthru.com%252F5z8%252F1k5%252F4%252Fm%252F6081a6aedba0d.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1opRW2:9dNjmupIhdmGx84OJVrBu3TwqxMZs53oTaDYA6EbjpI" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px; white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  S&amp;P
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  3,901.06
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top: 8px; padding-bottom: 8px;" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="width:70%;border-collapse:collapse; margin: 0 auto;">
                  <tr>
                   <td style="padding-left: 8px; padding-right: 8px; padding-top: 10px; padding-bottom: 10px; border-radius: 8px; background-color: #FFB3B3; background-color: rgba(255, 3, 3, 0.3);" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: center;">
                     -18.15%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END S&P -->
            <!-- Dow -->
            <tr>
             <td class="pads10 pads6m lastline" style="border-bottom:1px solid #e6e6e6;padding-bottom:0;text-align: center; border-top: 1px solid #e6e6e6; mso-padding-alt: 0 20px 0 20px;">
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               <tr>
                <td align="center" class="markets-arrow-cell" style="width:12%;text-align: center; line-height: 1em;" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.sailthru.com%252F5z8%252F1k5%252F4%252Fm%252F6081a6aedba0d.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1opRW2:9dNjmupIhdmGx84OJVrBu3TwqxMZs53oTaDYA6EbjpI" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px; white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  Dow
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  32,861.80
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top: 8px; padding-bottom: 8px;" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="width:70%;border-collapse:collapse; margin: 0 auto;">
                  <tr>
                   <td style="padding-left: 8px; padding-right: 8px; padding-top: 10px; padding-bottom: 10px; border-radius: 8px; background-color: #FFB3B3; background-color: rgba(255, 3, 3, 0.3);" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: center;">
                     -9.57%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Dow -->
            <!-- 10-Year -->
            <tr>
             <td class="pads10 pads6m lastline" style="border-bottom:1px solid #e6e6e6;padding-bottom:0;text-align: center; border-top: 1px solid #e6e6e6; mso-padding-alt: 0 20px 0 20px;">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;" width="100%">
               <tr>
                <td align="center" class="markets-arrow-cell" style="width:12%;text-align: center; line-height: 1em;" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.sailthru.com%252F5z8%252F1k5%252F4%252Fm%252F6081a6aeef46b.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1opRW2:9dNjmupIhdmGx84OJVrBu3TwqxMZs53oTaDYA6EbjpI" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px; white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  10-Year
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  4.016%
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top: 8px; padding-bottom: 8px;" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="width:70%;border-collapse:collapse; margin: 0 auto;">
                  <tr>
                   <td style="padding-left: 8px; padding-right: 8px; padding-top: 10px; padding-bottom: 10px; border-radius: 8px; background-color: #BEF2BA; background-color: rgba(40, 211, 26, 0.3);" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: center;">
                     +250.2 bps
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END 10-Year -->
            <!-- Bitcoin -->
            <tr>
             <td class="pads10 pads6m lastline" style="border-bottom:1px solid #e6e6e6;padding-bottom:0;text-align: center; border-top: 1px solid #e6e6e6; mso-padding-alt: 0 20px 0 20px;">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;" width="100%">
               <tr>
                <td align="center" class="markets-arrow-cell" style="width:12%;text-align: center; line-height: 1em;" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.sailthru.com%252F5z8%252F1k5%252F4%252Fm%252F6081a6aedba0d.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1opRW2:9dNjmupIhdmGx84OJVrBu3TwqxMZs53oTaDYA6EbjpI" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px; white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  Bitcoin
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  $20,695.28
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top: 8px; padding-bottom: 8px;" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="width:70%;border-collapse:collapse; margin: 0 auto;">
                  <tr>
                   <td style="padding-left: 8px; padding-right: 8px; padding-top: 10px; padding-bottom: 10px; border-radius: 8px; background-color: #FFB3B3; background-color: rgba(255, 3, 3, 0.3);" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: center;">
                     -55.31%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Bitcoin -->
            <!-- Meta -->
            <tr>
             <td class="pads10 pads6m lastline" style="border-bottom:1px solid #e6e6e6;padding-bottom:0;text-align: center; border-top: 1px solid #e6e6e6; mso-padding-alt: 0 20px 0 20px;">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;" width="100%">
               <tr>
                <td align="center" class="markets-arrow-cell" style="width:12%;text-align: center; line-height: 1em;" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.sailthru.com%252F5z8%252F1k5%252F4%252Fm%252F6081a6aedba0d.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1opRW2:9dNjmupIhdmGx84OJVrBu3TwqxMZs53oTaDYA6EbjpI" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px; white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  Meta
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  $99.20
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top: 8px; padding-bottom: 8px;" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="width:70%;border-collapse:collapse; margin: 0 auto;">
                  <tr>
                   <td style="padding-left: 8px; padding-right: 8px; padding-top: 10px; padding-bottom: 10px; border-radius: 8px; background-color: #FFB3B3; background-color: rgba(255, 3, 3, 0.3);" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: center;">
                     -70.51%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Meta -->
            <!-- START REGULAR TEXT -->
            <tr>
             <td style="padding: 3px 15px 10px 15px">
              <p style="line-height:22px;margin-top:0;margin-bottom:15px;padding: 0; margin: 0; text-align: left; font-size: 13px;">
               *Stock data as of market close, cryptocurrency data as of  4:00am ET.
               <a class="link-sm" rel="noopener" style="border-bottom:1px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Here's what these numbers mean.
               </a>
              </p>
             </td>
            </tr>
            <!-- END REGULAR TEXT -->
            <tr>
             <td style="padding: 0px 15px 0px 5px; mso-padding-alt: 0px 15px 15px 5px;">
              <ul style="margin-top:0;padding-left:30px">
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 <strong style="color:#000">
                  Markets:
                 </strong>
                </span>
                <span>
                 Are we living through dot-com bust 2.0? Some analysts are beginning to
                </span>
                <span>
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  compare
                 </a>
                </span>
                <span>
                 this year’s tech rout (which has cost the Nasdaq $8 trillion in value so far) with the bursting of the dot-com bubble in 2000–2002, when the Nasdaq lost the equivalent of $8.6 trillion in today’s dollars. The industrial-focused Dow, on the other hand, is on track for its best October in history.
                </span>
               </li>
              </ul>
              <div style="display:none;">
              </div>
             </td>
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             <td style="padding: 0px 15px 0px 5px; mso-padding-alt: 0px 15px 15px 5px;">
             </td>
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          </th>
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        <!--[if !mso ]><! -- -->
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      <!-- END MARKETS -->
      <!-- ARTICLE --->
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             <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
              EDUCATION
             </h3>
             <h1 style="font-family:Helvetica, Arial, sans-serif;font-size:24px;color:#333;font-weight:700;margin-bottom:0;line-height:26px;margin-top:8px">
              <a style="color:#000000!important;text-decoration:none;border-bottom:none!important;" target="_blank">
               <font color="#000000">
                Affirmative action hangs in the balance
               </font>
              </a>
             </h1>
            </td>
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          <a style="text-decoration:none;border:none;" target="_blank">
           <img alt="University of North Carolina Campus" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Ff8d4328843b3d4774515dba5d9d19978e430a490-1024x683.jpg%253Fw%253D670%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1opRW2:tdeYxoYSQoI-A1nG-DtZch4dmwi8VuE2dJBN5O-UWiw" style="display: block; width: 100%; max-width: 670px;" width="670"/>
          </a>
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           <small>
            <em>
             Melissa Sue Gerrits/Getty Images
            </em>
           </small>
          </span>
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           <tr>
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             <div>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               For more than 40 years, American universities have been allowed to factor in race when deciding which applicants to admit.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               That could soon end. The Supreme Court is hearing
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                two separate cases
               </a>
               today that challenge race-based admissions policies, aka “affirmative action,” at the University of North Carolina and Harvard. Given the 6–3 stranglehold conservatives have on the court, legal experts say affirmative action could be the next decades-old precedent to be reversed by SCOTUS, following Roe v. Wade.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                That precedent:
               </strong>
               In 1978, SCOTUS ruled that race could be one of several factors considered in admissions decisions, but banned the implementation of racial quotas. That decision was upheld in a different case in 2003.
              </p>
              <h2 style="font-family:Helvetica, Arial, sans-serif;font-size:19px;font-weight:700;color:#000;margin-top:0;margin-bottom:15px;margin-right:0;margin-left:0">
               What are the arguments?
              </h2>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                The pro-affirmative action camp,
               </strong>
               which includes universities and business groups, argues that diversity in higher education would decline in a race-neutral admissions process due to ongoing discrimination against Black and Hispanic students. Plus, there are centuries of racial harm that still need to be rectified, they say. UNC didn’t admit Black students until 1955 and when those students arrived, they were forced to live in a separate dorm and walk through a campus that was full of memorials to segregationists.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                The anti-affirmative action camp
               </strong>
               contends that UNC and Harvard are violating civil rights laws by treating people differently due to their race—specifically, by discriminating against white and Asian American applicants. The group bringing both challenges before SCOTUS is led by one man, Edward Blum, who calls himself a “
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                one-trick pony
               </a>
               ” in his quest to end racial classifications in public policy.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                And what does the public think?
               </strong>
               It’s a little murky, because so much depends on how you frame the question. In a 2021 Gallup poll, 62% of Americans supported affirmative action policies for racial minorities. In March of this year, however, a Pew survey found that 74% of Americans do not support factoring in race and ethnicity to college admissions, per the AP.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Looking ahead…
               </strong>
               the Supreme Court likely won’t issue a ruling until late spring 2023.
              </p>
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              SPONSORED BY E*TRADE FROM MORGAN STANLEY
             </h3>
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                The real treat? Managing your money in one place.
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           <img alt="E*TRADE from Morgan Stanley" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia2.morningbrew.com%252Fuploads%252Fplacement%252Fimages%252F6353%252F1666039305-v3_HalloweenCostumes_E_TRADE__1_.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYTIubW9ybiJ9:1opRW2:puphQSWVzG8NTEzAJWoH9ZJAGPCjL4MJrLFi4tK0haU" style="display: block; width: 100%; max-width: 670px;" width="670"/>
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             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              Halloween costume shopping usually goes like this: Hit up the thrift store, run to the pop-up shop, and rummage around mom’s attic searching for vintage frocks.
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              Running multiple errands to piece together your costume is not all that different from trying to manage your money on multiple platforms.
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              Try this on for size:
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               E*TRADE from Morgan Stanley
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              lets you manage your financial needs—including investing, trading, and retirement—all in one place. You can view your financial picture and have the tools and services you need at your fingertips, and at your convenience.
             </p>
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              <a class="link" rel="noopener" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               E*TRADE
              </a>
              ’s easy-to-use, award-winning platform has $0 commissions, no account minimums, and none of the confusing jargon, and now comes with access to Morgan Stanley research. It earned the top spot on Kiplinger’s 2022 Best Online Brokers and Trading Platforms list
              <em>
               and
              </em>
              in mobile, tools, and research.*
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              <a class="link" rel="noopener" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               Get started with E*TRADE from Morgan Stanley
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              .
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              *
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               Paid Advertisement
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              WORLD
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                Tour de headlines
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          <img alt="A man pours an alcoholic beverage in tribute to those who were killed in a Halloween stampede at a makeshift memorial outside the Itaewon subway station" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Ffdd4ab5ca4887d4053a91f3f9fbe35ed9d72156f-1024x683.jpg%253Fw%253D670%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1opRW2:tdeYxoYSQoI-A1nG-DtZch4dmwi8VuE2dJBN5O-UWiw" style="display: block; width: 100%; max-width: 670px;" width="670"/>
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           <small>
            <em>
             Anthony Wallace/AFP via Getty Images
            </em>
           </small>
          </span>
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              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Femojipedia-us.s3.dualstack.us-west-1.amazonaws.com%252Fthumbs%252F120%252Fapple%252F237%252Fflag-for-south-korea_1f1f0-1f1f7.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbW9qaXBlZGlhLSJ9:1opRW2:eAJ5p6copASV7XFRcf2nfUkxumSOfp4VbJm-qen5Ld4" style="max-width:18px" width="18"/>
                Halloween tragedy in South Korea.
               </strong>
               153 people—mostly in their twenties—were killed in a
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                crowd crush
               </a>
               in Seoul’s nightlife district Saturday night. As the city’s first Halloween event with no Covid restrictions in years, it drew an estimated 100,000 revelers, and authorities are being questioned about the safety measures they had in place. It’s one of South Korea’s worst-ever disasters.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Femojipedia-us.s3.dualstack.us-west-1.amazonaws.com%252Fthumbs%252F120%252Fapple%252F237%252Fear-of-rice_1f33e.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbW9qaXBlZGlhLSJ9:1opRW2:eAJ5p6copASV7XFRcf2nfUkxumSOfp4VbJm-qen5Ld4" style="max-width:18px" width="18"/>
                Russia pauses grain deal with Ukraine.
               </strong>
               Russia said it would
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                stop participating
               </a>
               in a UN-brokered deal that allows Ukrainian grain to be shipped to world markets, accusing Kyiv of a major drone attack in Crimea (Ukraine didn’t publicly claim responsibility for the attack). US officials bashed the move as weaponizing food supplies and said it would increase the risk of starvation around the world. The EU is urging Russia to change its mind.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Femojipedia-us.s3.dualstack.us-west-1.amazonaws.com%252Fthumbs%252F120%252Fapple%252F237%252Fbird_1f426.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbW9qaXBlZGlhLSJ9:1opRW2:eAJ5p6copASV7XFRcf2nfUkxumSOfp4VbJm-qen5Ld4" style="max-width:18px" width="18"/>
                Twitter braces for layoffs.
               </strong>
               New owner Elon Musk has reportedly asked some managers to identify employees who could be cut, putting into action
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                layoffs
               </a>
               that have been rumored for a long time. Musk also tweeted, and later deleted, a link to an unfounded conspiracy theory about the attack on Paul Pelosi, written by a website that regularly publishes false news articles.
              </p>
             </div>
            </td>
           </tr>
          </table>
         </th>
        </tr>
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             <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
              GEOPOLITICS
             </h3>
             <h1 style="font-family:Helvetica, Arial, sans-serif;font-size:24px;color:#333;font-weight:700;margin-bottom:0;line-height:26px;margin-top:8px">
              <a style="color:#000000!important;text-decoration:none;border-bottom:none!important;" target="_blank">
               <font color="#000000">
                Lula completes his comeback
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <a style="text-decoration:none;border:none;" target="_blank">
           <img alt="Brazil's next president, Lula" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Ffa0b56e607967ab09fcee9b99889bb2bbd9e5d6c-3000x2000.jpg%253Fw%253D670%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1opRW2:tdeYxoYSQoI-A1nG-DtZch4dmwi8VuE2dJBN5O-UWiw" style="display: block; width: 100%; max-width: 670px;" width="670"/>
          </a>
          <span class="source" style="display:inline-block;padding-left:10px;margin-top:5px;margin-bottom:0px;line-height:14px">
           <small>
            <em>
             Alexandre Schneider/Getty Images
            </em>
           </small>
          </span>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding:15px">
             <div>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Three years ago, Luiz Inácio Lula da Silva was in prison, serving a 22-year sentence for corruption charges. Now, he’s set to become the
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                next president
               </a>
               of the largest Latin American country, marking his return to the post he held from 2003–2010.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Da Silva, known simply as Lula, narrowly defeated incumbent Jair Bolsonaro in Brazil’s runoff election yesterday—considered to be the most significant election in Brazil in decades.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               That’s because each of these politicians would have taken Brazil in completely opposite directions. A right-wing nationalist, Bolsonaro has promoted traditional social values and pulled back funding for protecting the Amazon rainforest, which experienced a surge in deforestation during his term, in the name of economic development.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Lula, a leftist, is a giant of Brazilian politics who’s credited with helping to lift 20 million Brazilians out of poverty during his presidency. But his star plummeted after an investigation revealed vast corruption within his political party, and Lula was one of nearly 300 arrested in the scandal. (His convictions were annulled in 2019.)
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Big picture:
               </strong>
               For years, Boslonaro has raised concerns about election fraud and the integrity of electronic voting systems, but previous investigations have found no foul play. As of last night, he had not conceded the race.
              </p>
             </div>
             <!-- SOCIAL LINKS -->
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                </span>
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              CALENDAR
             </h3>
             <h1 style="font-family:Helvetica, Arial, sans-serif;font-size:24px;color:#333;font-weight:700;margin-bottom:0;line-height:26px;margin-top:8px">
              <a style="color:#000000!important;text-decoration:none;border-bottom:none!important;" target="_blank">
               <font color="#000000">
                The week ahead
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <img alt="A shoulders-up photo of Fed Chair Jerome Powell looking off into the distance" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Ff87c5338c52518030d37448a3e4d66e036131908-6000x4000.jpg%253Fw%253D670%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1opRW2:tdeYxoYSQoI-A1nG-DtZch4dmwi8VuE2dJBN5O-UWiw" style="display: block; width: 100%; max-width: 670px;" width="670"/>
          <span class="source" style="display:inline-block;padding-left:10px;margin-top:5px;margin-bottom:0px;line-height:14px">
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            <em>
             Sarah Silbiger/Getty Images
            </em>
           </small>
          </span>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
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             <div>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                A busy week for the economy.
               </strong>
               The Fed is pretty much a lock to hike interest rates by a ginormous 75 basis points on Wednesday for the fourth straight meeting. Evidence that its inflation-fighting campaign is working could come on Friday, with the October jobs report. Plus: lots more earnings.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                It’s about to get dark
                <em>
                 really
                </em>
                early.
               </strong>
               Daylight Saving Time ends at 2am ET Sunday, so while we’ll get an extra hour of sleep that night, it also means watching the sun set from your desk at work for the next few months.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                The World Series heads to Philly.
               </strong>
               The Phillies and the Astros each took one game apiece in Houston, and the teams will play Game 3 tonight in front of a frenzied—and very wealthy—crowd in Philly. I looked up tickets and the minimum to get in the door was $900. Not happening
               <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Femojipedia-us.s3.dualstack.us-west-1.amazonaws.com%252Fthumbs%252F120%252Fapple%252F237%252Fdisappointed-face_1f61e.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbW9qaXBlZGlhLSJ9:1opRW2:eAJ5p6copASV7XFRcf2nfUkxumSOfp4VbJm-qen5Ld4" style="max-width:18px" width="18"/>
               .
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Everything else:
               </strong>
              </p>
              <ul style="margin-top:0;padding-left:30px">
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 Here are all the
                </span>
                <span>
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  freebies
                 </a>
                </span>
                <span>
                 you can get today for Halloween.
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 The New York City Marathon is on Sunday.
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 Dolly Parton, Eminem, and others will be inducted into the Rock &amp; Roll Hall of Fame on Saturday.
                </span>
               </li>
              </ul>
             </div>
            </td>
           </tr>
          </table>
         </th>
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       <!--[if !mso]><! -- -->
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             <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
              SPONSORED BY E*TRADE FROM MORGAN STANLEY
             </h3>
            </td>
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          <a class="" style="text-decoration:none;border:none;" target="_blank">
           <img alt="E*TRADE from Morgan Stanley" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia2.morningbrew.com%252Fuploads%252Fplacement%252Fimages%252F6353%252F1666039305-v4_Cornmaze_E_TRADE__1_.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYTIubW9ybiJ9:1opRW2:puphQSWVzG8NTEzAJWoH9ZJAGPCjL4MJrLFi4tK0haU" style="display: block; width: 100%; max-width: 670px;" width="670"/>
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             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              <strong style="color:#000">
               Escape the financial corn maze.
              </strong>
              <a class="link" rel="noopener" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               E*TRADE from Morgan Stanley
              </a>
              now offers more ways to help you pursue your goals and navigate your finances. Get convenient solutions for saving and spending, products for smart investing, resources for retirement planning, and more—all under one roof.
              <a class="link" rel="noopener" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               Learn more here
              </a>
              .
             </p>
            </td>
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              GRAB BAG
             </h3>
             <h1 style="font-family:Helvetica, Arial, sans-serif;font-size:24px;color:#333;font-weight:700;margin-bottom:0;line-height:26px;margin-top:8px">
              <a style="color:#000000!important;text-decoration:none;border-bottom:none!important;" target="_blank">
               <font color="#000000">
                Key performance indicators
               </font>
              </a>
             </h1>
            </td>
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          <img alt="Avatar 2 screengrab" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F9e37f1eaa4a33a3fc757a4dc0feed758109a7be4-1554x812.png%253Fw%253D670%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1opRW2:tdeYxoYSQoI-A1nG-DtZch4dmwi8VuE2dJBN5O-UWiw" style="display: block; width: 100%; max-width: 670px;" width="670"/>
          <span class="source" style="display:inline-block;padding-left:10px;margin-top:5px;margin-bottom:0px;line-height:14px">
           <small>
            <em>
             20th Century Studios
            </em>
           </small>
          </span>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding:15px">
             <div>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Stat:
               </strong>
               James Cameron’s sequel 13 years in the making,
               <em>
                Avatar: The Way of Water
               </em>
               , will have a runtime of
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                three hours and 10 minutes
               </a>
               , per The Hollywood Reporter. But if history is any indication, that won’t scare people off: The No. 2 and No. 3 highest-grossing movies in history, not adjusted for inflation, are
               <em>
                Avengers: Endgame
               </em>
               and Cameron’s
               <em>
                Titantic
               </em>
               , which both run longer than three hours. “It’s okay to get up and go pee.” Cameron has said.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Quote:
               </strong>
               “I will never go back to Foxconn. They don’t have humanity there.”
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               A worker at the world’s largest iPhone factory in China described to the FT how he and other employees
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                fled the complex
               </a>
               over the weekend to escape draconian Covid policies. Videos on Chinese social media platforms appeared to show Foxconn employees hopping fences and walking along the road, fed up with the restrictions intended to curb the spread of the virus.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Read:
               </strong>
               The real reason why people don’t watch baseball as much as they used to. (
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                The Atlantic
               </a>
               )
              </p>
             </div>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
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             <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
              WHAT ELSE IS BREWING
             </h3>
            </td>
           </tr>
          </table>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding-right:15px;padding-bottom:15px;padding-left:15px;padding-top:0px">
             <ul style="margin-top:0;padding-left:30px">
              <li style="line-height:22px;margin-bottom:10px">
               <span>
                <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                 At least 132 people died
                </a>
               </span>
               <span>
                when a pedestrian bridge collapsed in the Indian state of Gujarat.
               </span>
              </li>
              <li style="line-height:22px;margin-bottom:10px">
               <span>
                <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                 Brooklyn Nets
                </a>
               </span>
               <span>
                guard Kyrie Irving defended posting about an antisemitic film and book on social media in a testy press conference.
               </span>
              </li>
              <li style="line-height:22px;margin-bottom:10px">
               <span>
                <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                 The Powerball jackpot
                </a>
               </span>
               <span>
                is expected to hit $1 billion by today’s drawing.
               </span>
              </li>
              <li style="line-height:22px;margin-bottom:10px">
               <span>
                <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                 Be careful out there today
                </a>
               </span>
               <span>
                : Cars kill more pedestrians on Halloween than any other day of the year.
               </span>
              </li>
             </ul>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
       <!--[if !mso]><! -- -->
      </div>
      <!-- <![endif]-->
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      <!-- ARTICLE --->
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       <!-- <![endif]-->
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        <tr>
         <th class="card" style="text-align:left;font-weight:400;font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#333;display:block;background-color:#fff;border-radius:15px;border:1px solid #e6e6e6;border-collapse:collapse;box-shadow:none;margin-bottom:0px;">
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding: 15px;">
             <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
              COMMUNITY
             </h3>
             <h1 style="font-family:Helvetica, Arial, sans-serif;font-size:24px;color:#333;font-weight:700;margin-bottom:0;line-height:26px;margin-top:8px">
              <a style="color:#000000!important;text-decoration:none;border-bottom:none!important;" target="_blank">
               <font color="#000000">
                Halloween costume contest winners
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding-right:15px;padding-bottom:15px;padding-left:15px;padding-top:0px">
             <div>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               This was an extremely tough decision, but I’m giving the top prize to Tyler Smith’s two boys, Stetson and Barrett, for their
               <em>
                Top Gun
               </em>
               stroller fighter jet. Only minimal points deducted for the lack of mustache.
              </p>
              <img alt="Halloween costume contest winner: two little kids as top gun pilots" class="img-responsive" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F14c7558c2c241f4df8b3a7d32830131c671f71b5-586x427.png%253Fw%253D670%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1opRW2:tdeYxoYSQoI-A1nG-DtZch4dmwi8VuE2dJBN5O-UWiw" style="display:block;width:100% !important"/>
              <span class="source" style="display:inline-block;padding-left:10px;margin-top:5px;margin-bottom:0px;line-height:14px">
               <small>
                <em>
                 Tyler Smith
                </em>
               </small>
              </span>
              <h2 style="font-family:Helvetica, Arial, sans-serif;font-size:19px;font-weight:700;color:#000;margin-top:0;margin-bottom:15px;margin-right:0;margin-left:0">
              </h2>
              <h2 style="font-family:Helvetica, Arial, sans-serif;font-size:19px;font-weight:700;color:#000;margin-top:0;margin-bottom:15px;margin-right:0;margin-left:0">
               Honorable mention
              </h2>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Alyssa Lee and all the new hires at her company dressed up as “Google meets work from home, at the office.” Extra points for the attention to detail: dressy on top, PJs on the bottom.
              </p>
              <img alt="Honorable mention for the halloween costume contest - an IRL google meet grid" class="img-responsive" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fe290715e3f634bbc09de42557be93c95622b9353-4032x3024.png%253Fw%253D670%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1opRW2:tdeYxoYSQoI-A1nG-DtZch4dmwi8VuE2dJBN5O-UWiw" style="display:block;width:100% !important"/>
              <span class="source" style="display:inline-block;padding-left:10px;margin-top:5px;margin-bottom:0px;line-height:14px">
               <small>
                <em>
                 Alyssa Lee
                </em>
               </small>
              </span>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                BTW…
               </strong>
               if you want a second chance at glory or just missed the boat, our social media team is running a
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Halloween costume contest on Twitter today
               </a>
               . They’re giving out an MB Shop gift card as a prize.
              </p>
             </div>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
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      </div>
      <!-- <![endif]-->
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       <!-- <![endif]-->
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         <th class="card" style="text-align:left;font-weight:400;font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#333;display:block;background-color:#fff;border-radius:15px;border:1px solid #e6e6e6;border-collapse:collapse;box-shadow:none;margin-bottom:0px;">
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           <tr>
            <td style="padding: 15px;">
             <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
              BREW'S BETS
             </h3>
            </td>
           </tr>
          </table>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding-right:15px;padding-bottom:15px;padding-left:15px;padding-top:0px">
             <div>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Dive back into the week:
               </strong>
              </p>
              <ul style="margin-top:0;padding-left:30px">
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 <strong style="color:#000">
                  Shallow dive:
                 </strong>
                </span>
                <span>
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  Cate Blanchett
                 </a>
                </span>
                <span>
                 on
                </span>
                <span>
                 <em>
                  Hot Ones
                 </em>
                </span>
                <span>
                 .
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 <strong style="color:#000">
                  Medium dive:
                 </strong>
                </span>
                <span>
                 Really scary
                </span>
                <span>
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  true stories
                 </a>
                </span>
                <span>
                 .
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 <strong style="color:#000">
                  Deep dive:
                 </strong>
                </span>
                <span>
                 What happened to all the
                </span>
                <span>
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  dead bugs
                 </a>
                </span>
                <span>
                 on windshields?
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 <strong style="color:#000">
                  Cannonball:
                 </strong>
                </span>
                <span>
                 Why the
                </span>
                <span>
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  climate apocalypse
                 </a>
                </span>
                <span>
                 isn’t likely to happen.
                </span>
               </li>
              </ul>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Geographic misconceptions:
               </strong>
               Venice is as far north as Minneapolis, and other
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                geography facts
               </a>
               that may surprise you.
              </p>
             </div>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
       <!--[if !mso]><! -- -->
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      <!-- <![endif]-->
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      <!-- ARTICLE --->
      <!--[if !mso ]><! -- -->
      <div class="c6" style="margin-bottom:7px">
       <!-- <![endif]-->
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        <tr>
         <th class="card" style="text-align:left;font-weight:400;font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#333;display:block;background-color:#fff;border-radius:15px;border:1px solid #e6e6e6;border-collapse:collapse;box-shadow:none;margin-bottom:0px;">
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding: 15px;">
             <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
              GAMES
             </h3>
             <h1 style="font-family:Helvetica, Arial, sans-serif;font-size:24px;color:#333;font-weight:700;margin-bottom:0;line-height:26px;margin-top:8px">
              <a style="color:#000000!important;text-decoration:none;border-bottom:none!important;" target="_blank">
               <font color="#000000">
                The puzzle section
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding-right:15px;padding-bottom:15px;padding-left:15px;padding-top:0px">
             <div>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Turntable:
               </strong>
               You’ll find more Halloween Easter eggs (Halloween eggs?) in today’s Turntable.
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Play it here
               </a>
               .
              </p>
              <h2 style="font-family:Helvetica, Arial, sans-serif;font-size:19px;font-weight:700;color:#000;margin-top:0;margin-bottom:15px;margin-right:0;margin-left:0">
               Nutritional facts
              </h2>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               In this special Halloween edition of Nutritional Facts, we’ll give you the ingredients for a popular candy, and you have to name it.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Sugar, corn syrup, palm oil, condensed skim milk, cocoa, whey, soy lecithin, artificial and natural flavors.
              </p>
             </div>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
       <!--[if !mso]><! -- -->
      </div>
      <!-- <![endif]-->
      <!-- END ARTICLE --->
      <!-- ARTICLE --->
      <!--[if !mso ]><! -- -->
      <div class="c6" style="margin-bottom:7px">
       <!-- <![endif]-->
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           <tr>
            <td style="padding: 15px;">
             <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
              AROUND THE BREW
             </h3>
             <h1 style="font-family:Helvetica, Arial, sans-serif;font-size:24px;color:#333;font-weight:700;margin-bottom:0;line-height:26px;margin-top:8px">
              <a style="color:#000000!important;text-decoration:none;border-bottom:none!important;" target="_blank">
               <font color="#000000">
                Is quiet quitting only for the most entitled generation?
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <a class="" style="text-decoration:none;border:none;" target="_blank">
           <img alt="Is quiet quitting only for the most entitled generation?" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fb5124c098206fc9e2737886a26689e85daf49944-1280x720.jpg%253Fw%253D670%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1opRW2:tdeYxoYSQoI-A1nG-DtZch4dmwi8VuE2dJBN5O-UWiw" style="display: block; width: 100%; max-width: 670px;" width="670"/>
          </a>
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              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Femojipedia-us.s3.dualstack.us-west-1.amazonaws.com%252Fthumbs%252F120%252Fapple%252F237%252Fblack-question-mark-ornament_2753.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbW9qaXBlZGlhLSJ9:1opRW2:eAJ5p6copASV7XFRcf2nfUkxumSOfp4VbJm-qen5Ld4" style="max-width:18px" width="18"/>
               Can you achieve work–life balance while trying to advance in your career? Do US workers put too much emphasis on hustle? We asked these questions to strangers at Oktoberfest in New York.
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Watch here
               </a>
               .
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               🖱 Whether you’re a Google Suite power user or an Excel wizard, we have the mouse pads for you.
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Shop now
               </a>
               to level up your spreadsheet game.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Femojipedia-us.s3.dualstack.us-west-1.amazonaws.com%252Fthumbs%252F120%252Fapple%252F237%252Ffearful-face_1f628.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbW9qaXBlZGlhLSJ9:1opRW2:eAJ5p6copASV7XFRcf2nfUkxumSOfp4VbJm-qen5Ld4" style="max-width:18px" width="18"/>
               There may be nothing scarier than being unprepared. Learning Brew’s newest course, Financial Forecasting, is built to help you survive budget season unscathed.
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Reserve your spot today
               </a>
               .
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Femojipedia-us.s3.dualstack.us-west-1.amazonaws.com%252Fthumbs%252F120%252Fapple%252F237%252Fcheering-megaphone_1f4e3.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbW9qaXBlZGlhLSJ9:1opRW2:eAJ5p6copASV7XFRcf2nfUkxumSOfp4VbJm-qen5Ld4" style="max-width:18px" width="18"/>
               The can’t-miss event for every modern marketer is The Brief, where you’ll hear from a powerhouse panel of speakers from the world’s most recognized brands.
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Claim your tickets now
               </a>
               .
              </p>
             </div>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
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      <!--[if !mso ]><! -- -->
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             <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
              ANSWER
             </h3>
            </td>
           </tr>
          </table>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding-right:15px;padding-bottom:15px;padding-left:15px;padding-top:0px">
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              Tootsie Roll
             </p>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
       <!--[if !mso]><! -- -->
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      <!-- DISCLAIMER -->
      <!--[if !mso]> <! -- -->
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              <strong style="color:#000">
               ✳︎ A Note From E*TRADE from Morgan Stanley
              </strong>
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px;font-size: 10px; line-height: 14px;">
              Securities products and services offered by E*TRADE Securities LLC, Member SIPC, a subsidiary of Morgan Stanley. © 2022 E*TRADE from Morgan Stanley. All rights reserved.
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px;font-size: 10px; line-height: 14px;">
              No commissions on online stock, options, and ETF trades. Exclusions and other fees may apply. For more information on pricing, visit
              <a class="link" rel="noopener" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               etrade.com/pricing
              </a>
              .
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px;font-size: 10px; line-height: 14px;">
              In Kiplinger’s annual Best Online Brokers and Trading Platforms Review of ten firms across eight categories, E*TRADE earned an overall score of 87.3 out of 100. E*TRADE’s ratings for all category rankings include: Overall (#1), Commissions and Fees (#7), Investment Choices (#3), Mobile App (#1), Tools (#1), Research (#1), User Experience (#5), and Advisory Services (#3). Read the full Best Online Brokers and Trading Platforms, 2022 survey. From Kiplinger’s Personal Finance. © 2022 The Kiplinger Washington Editors. All rights reserved. Used under license.
             </p>
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        <td style="text-align: center; padding: 10px 0; font-size: 21px;">
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