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   Daily Brew // Morning Brew // Update
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     Why companies do layoffs right before the holidays...
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             December 15, 2023
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              PRESENTED BY
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                Good morning.
               </strong>
               A rogue bull was found running the tracks of Penn Station in Newark, NJ, yesterday, causing a great deal of curiosity. Where did it come from? It wasn’t a nearby farm (there aren’t any), a PBR event at the Prudential Center, the Red Bulls mascot, or a plot by Chris Christie.
              </p>
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               While the matter is still under investigation, trains did begin moving again after a 45-minute delay, thanks to bovine intervention.
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               <em>
                —Matty Merritt, Cassandra Cassidy, Molly Liebergall, Adam Epstein, Neal Freyman
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               MARKETS
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                  Nasdaq
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                  14,761.56
                 </p>
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                    <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;">
                     +0.19%
                    </p>
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            <!-- END Nasdaq -->
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                  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;">
                  4,719.55
                 </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;">
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                    <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;">
                     +0.26%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END S&P -->
            <!-- Dow -->
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                </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;">
                  37,248.35
                 </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;">
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                   <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;">
                     +0.43%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
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             </td>
            </tr>
            <!-- END Dow -->
            <!-- 10-Year -->
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                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fe4a85d043f857cc8adaca9d546c099f6d7db37ba-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3MDU2NDY1NDYuNzc5OTMwNH0:1rQiaA:4IIxtdtiBbVoavmRVSUUMAdfI_eCAJZrUfiaTKZVm3c" 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;">
                  3.911%
                 </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;">
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                     -11.4 bps
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END 10-Year -->
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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%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F6097ec1c26b17401a61bfbfe4440c75ebfea1886-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3MDU2NDY1NDYuNzgwMDM3Mn0:1rQiaA:Q8LTNHA14PjD6icebmNFoQh-0NeHSIdZzWLf5tXCu6I" 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;">
                  $42,986.07
                 </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;">
                     +0.24%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Bitcoin -->
            <!-- Moderna -->
            <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%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F6097ec1c26b17401a61bfbfe4440c75ebfea1886-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3MDU2NDY1NDYuNzgwMTM4N30:1rQiaA:6sWPjz_76jiJASRL9L7kwfLlt5tgxzpvlXrckZhTTNY" 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;">
                  Moderna
                 </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;">
                  $85.87
                 </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;">
                     +9.25%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Moderna -->
            <!-- 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 11:00pm 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; mso-padding-alt: 0px 15px 15px 15px;">
              <div>
               <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>
                  The good times kept rolling on Thursday as the Dow rose 158 points to hit another
                 </span>
                 <span>
                  <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                   record close
                  </a>
                 </span>
                 <span>
                  . Fueling the party was yesterday’s release of strong retail sales data, along with continued faith from investors that the Fed is poised to cut interest rates next year. Moderna’s stock shot up more than 9% after it revealed its experimental skin cancer vaccine helps cut the risk of death
                 </span>
                 <span>
                  <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                   in half
                  </a>
                 </span>
                 <span>
                  .
                 </span>
                </li>
               </ul>
              </div>
              <div style="display:none;">
              </div>
             </td>
            </tr>
            <tr>
             <td style="padding: 0px 20px; mso-padding-alt: 0px 20px 15px 20px;">
              <div style="line-height:22px;margin-top:0;margin-bottom:15px;padding:15px;background-color:#E8E8E8">
               <p style="line-height:22px;margin-top:0;margin-bottom:15px;margin-bottom:0px;">
                <strong style="color:#000;color:#000;font-size:16px;color:#1c7ff2;">
                 Markets Sponsored by EnergyX
                </strong>
               </p>
               <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                <strong style="color:#000">
                 Energy re(de)fined:
                </strong>
                EnergyX aims to unlock the lithium supply with refining technology that can extract 300% more lithium than current methods.
                <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                 Invest here
                </a>
                .
               </p>
              </div>
             </td>
            </tr>
           </table>
          </th>
         </tr>
        </table>
        <!--[if !mso ]><! -- -->
       </div>
      </div>
      <!-- <![endif]-->
      <!-- END MARKETS -->
      <!-- ARTICLE --->
      <!--[if !mso ]><! -- -->
      <div class="c6" style="margin-bottom:7px">
       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" class="story-card-table outer" style="border-collapse:collapse;border-collapse: collapse;" width="100%">
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          <table border="0" cellpadding="0" cellspacing="0" class="story-card-table" style="border-collapse:collapse" width="100%">
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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">
              LABOR
             </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 pre-holiday layoff
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <a style="text-decoration:none;border:none;" target="_blank">
           <!--[if mso]>
<img alt="The Simpsons layoffs gif" style="display: block; width: 100%; max-width: 670px;" width="670" height=503 src="https://storage.morningbrew.com/gif/2023-09-29/image-eca4ef9d7fe264629766c259f87535a051c9f355-480x360-gif/Simpsons.gif">
<![endif]-->
           <!--[if !mso]>-->
           <!-- -->
           <img alt="The Simpsons layoffs gif" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fstorage.morningbrew.com%252Fgif%252F2023-09-29%252Fimage-eca4ef9d7fe264629766c259f87535a051c9f355-480x360-gif%252FSimpsons.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZzdG9yYWdlLm1vciIsInRpbWUiOjE3MDU2NDY1NDYuNzgwMjk5fQ:1rQiaA:xGkQ41CwX_VN1avVVZcYcjYN9jVjS3VX6fxOvuAyCfw" style="display: block; width: 100%; max-width: 670px;" width="670"/>
           <!--<![endif]-->
          </a>
          <span class="source" style="display:inline-block;padding-left:10px;margin-top:5px;margin-bottom:0px;line-height:14px">
           <small>
            <em>
             The Simpsons/20th Television via Giphy
            </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">
               Cruise is doing anything but in the final weeks of the year. The GM-owned self-driving car company said yesterday it will
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                lay off
               </a>
               24% of its staff (~900 employees) as well as nine execs following a serious autonomous taxi crash in San Francisco in October and the vehicles’ subsequent banning in the state of California.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Cruise’s staff reduction appears mostly due to the safety concerns around the company’s robotaxis, but it comes after a deluge of other high-profile companies made major cuts just before the holidays:
              </p>
              <ul style="margin-top:0;padding-left:30px">
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 <strong style="color:#000">
                  Etsy.
                 </strong>
                </span>
                <span>
                 The online marketplace where you can find knit balaclavas and hand-painted wooden signs emblazoned with “wine o’clock” said it was laying off
                </span>
                <span>
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  11%
                 </a>
                </span>
                <span>
                 of its staff on Wednesday. CEO Josh Silverman blamed the macroeconomic environment and previous overhiring despite gross merchandise sales remaining flat since 2021.
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 <strong style="color:#000">
                  Hasbro.
                 </strong>
                </span>
                <span>
                 The toymaker laid off
                </span>
                <span>
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  1,100 workers
                 </a>
                </span>
                <span>
                 (roughly 20% of its staff) on Monday after a period of less-than-stellar toy sales following a pandemic surge. This most recent layoff is in addition to the 800 jobs it cut earlier this year.
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 <strong style="color:#000">
                  Spotify.
                 </strong>
                </span>
                <span>
                 After the hype of Sound Towns died down, the streaming giant announced its
                </span>
                <span>
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  third round
                 </a>
                </span>
                <span>
                 of 2023 layoffs earlier this month. This time, the company cut 1,500 jobs, which equates to about 17% of staff.
                </span>
               </li>
              </ul>
              <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">
               Why do companies do this?
              </h2>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Pre-holiday layoffs might seem especially cruel, but sadly, they aren’t uncommon. December job cuts are the quickest way for companies to pad the balance sheet and EOY reports before they show them to shareholders. Plus, it means they’ll have to dish out fewer end-of-year bonuses.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               But getting an “employee headcount reduction” email right after a company gingerbread house competition isn’t great for staff morale. Especially since CEOs blaming challenging macroeconomic factors is at odds with most Americans finally starting to feel like the economy is
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                turning around
               </a>
               .
               <em>
                —MM
               </em>
              </p>
             </div>
             <!-- SOCIAL LINKS -->
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
              <tr>
               <td style="padding-top: 12px;">
                <a class="" rel="noopener" style="text-decoration: none;" target="_blank">
                 <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fcab2ac077d288f7ba1df3571cb0ec28ce8f32b86-357x357.png%253Fw%253D50%2526fit%253Dmax/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3MDU2NDY1NDYuNzgwNDEwOH0:1rQiaA:AM_hCcJ3aAs66qJVLLpmV_4AcLqfS_OYOA9RzEeLums" style="display: inline-block; width: 25px" width="25"/>
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                </span>
                <a class="" rel="noopener" style="text-decoration: none;" target="_blank">
                 <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F774271f5d2278014f1af0759475660e1761384eb-357x357.png%253Fw%253D50%2526fit%253Dmax/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3MDU2NDY1NDYuNzgwNjExOH0:1rQiaA:ROxaH66mopOwv2Vne_qbwAA2Yey97jUHTTlrQ-xPO8o" style="display: inline-block; width: 25px" width="25"/>
                </a>
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             </table>
             <!-- END SOCIAL LINKS --->
            </td>
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      <!-- 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">
              PRESENTED BY SMARTASSET
             </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">
                <strong>
                 Beyond your finances
                </strong>
               </font>
              </a>
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            </td>
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           <img alt="SmartAsset" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F7e208d077f2c3fcaa71cb79f71652d298ea30906-1000x750.png%253Fw%253D668%2526q%253D90%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3MDU2NDY1NDYuNzgwNzExMn0:1rQiaA:R_qtmA5yiLzep0i7Fwh1PNk5Y_bH0LhsaV4H_xaXJmk" style="display: block; width: 100%; max-width: 670px;" width="670"/>
          </a>
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             <div>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               They say money can’t buy happiness. And sure, that’s true. Buuuuuut a recent study suggests that working with a financial advisor could potentially help. Want the scoop?
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Herbers &amp; Company’s Consumer Financial Behaviors Study polled 1k consumers across the US and found that people with
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                a specific amount
               </a>
               in household assets report higher levels of happiness when working with a financial advisor compared to those who don’t.¹
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Wanna join the happy people? Take
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                SmartAsset’s no-cost quiz
               </a>
               and get matched with up to three vetted financial advisors serving your area who can help you work toward a comfortable retirement.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Get started today
               </a>
               .
              </p>
             </div>
            </td>
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      <!-- ARTICLE --->
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              WORLD
             </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">
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               <font color="#000000">
                Tour de headlines
               </font>
              </a>
             </h1>
            </td>
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          <img alt="The US Capitol building" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F65458f81dabe78fa36a7f6a077aedfbe9c8cec70-1500x1000.jpg%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3MDU2NDY1NDYuNzgwODE0NH0:1rQiaA:54E7NNAh91EWAauEU1584OQkD4ZCFeIDpNtmEnexDR4" 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>
             Jemal Countess/Getty Images
             <br/>
            </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">
                The House passed a huge bipartisan defense bill.
               </strong>
               The $886 billion package will give service members a
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                5.2% pay bump
               </a>
               and includes investments to boost competition with China and Russia, but does not contain funding for aid to Israel and Ukraine, which is part of a separate $105 billion package. Still, this defense bill provides $28 billion (3%)
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                more
               </a>
               than last year’s version. The vote, which passed 310–118, defeated the efforts of far-right GOP lawmakers, who had tried unsuccessfully to shoehorn military restrictions to abortion access, transgender care, and DEI policies.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwrapped-present_1f381.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3MDU2NDY1NDYuNzgwOTUyfQ:1rQiaA:PATUrBA3OkelaGRlejxFPhTJYyYZ-JRZmntK91qQYLw" style="max-width:18px" width="18"/>
               <strong style="color:#000">
                Strong retail sales are taking us into the holidays.
               </strong>
               Retail sales jumped 0.3% compared to last month,
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                smashing
               </a>
               economists’ expectations of a decline and heralding a strong holiday shopping season. Per the Commerce Department, consumer spending was up across various sectors, including at restaurants and online retailers, though it was down slightly at department stores. The surprisingly good numbers reinforce the notion that the US is increasingly likely to
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                tame inflation
               </a>
               without an economic slowdown.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fflag-for-russia_1f1f7-1f1fa.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3MDU2NDY1NDYuNzgxMDU0N30:1rQiaA:cl6FqOBkxSSFxMCqJSBK99OBy3tfM_xm7K4P4NJdQRU" style="max-width:18px" width="18"/>
               <strong style="color:#000">
                Putin says there’s an “ongoing” dialogue to return Evan Gershkovich.
               </strong>
               According to the Russian president, the country is
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                in contact
               </a>
               with its American counterparts to release Gershkovich, the Wall Street Journal reporter who has been jailed in Russia since March on charges of espionage that the US government believes are bogus. US officials also say they’ve made several offers to release Russian nationals detained in the US in exchange for Gershkovich and another American, Paul Whelan, but that the Russians have rejected all of them. A Moscow court yesterday shot down Gershkovich’s appeal of a ruling that extended his detention to the end of January.
              </p>
             </div>
            </td>
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         </th>
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      <div class="c6" style="margin-bottom:7px">
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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">
              ECONOMY
             </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">
                Sugar, mortgage rates are going down
               </font>
              </a>
             </h1>
            </td>
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          <a style="text-decoration:none;border:none;" target="_blank">
           <img alt="Illustration of a house with a price tag on it" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fcd220071bb063d4a95a2c99e2593e86620e4bb24-1500x1000.jpg%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3MDU2NDY1NDYuNzgxMTYzMn0:1rQiaA:pn1FFTAm32712L4IIzCeREkdn7O6iF9ZYo65w4pGvjQ" 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>
             Francis Scialabba
            </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">
               Think of the housing market like it’s a frozen piece of salmon you left on the kitchen counter—gradually thawing.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               This week,
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                mortgage rates fell
               </a>
               for the seventh consecutive week to 6.95%, the first time they’ve been below 7% since August. And mortgage applications increased last week for the sixth straight week, according to the Mortgage Bankers Association. The good news was bolstered by reports that the Federal Reserve’s rate-raising spree is likely over.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                As for the rent? Maybe
                <em>
                 not
                </em>
                too dang high.
               </strong>
               In November, rents across the US fell 2.1% compared to the prior year, according to Redfin, due to a
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                boom
               </a>
               in rental construction. And you can stop making fun of your friend who lives in NYC and pays $4,500 a month to live under their desk: Rents in Manhattan dropped 2% for the first time in over
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                two years
               </a>
               .
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Zoom out:
               </strong>
               Economists at Realtor.com believe mortgage rates could drop to 6% in the new year, but don’t expect the market to get too hot. Home inventory is at a historic low, and the short supply could be further exacerbated by folks who locked in their sub-4% rates years ago and probably won’t be selling anytime soon.
               <em>
                —CC
               </em>
              </p>
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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">
              TOGETHER WITH VITAFUSION
             </h3>
            </td>
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           <img alt="Vitafusion" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F69b157a1b3b03a428e9865f66c3dcf904b31781e-1000x750.jpg%253Fw%253D668%2526q%253D90%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3MDU2NDY1NDYuNzgxNTY3M30:1rQiaA:Jv0LdTllCaqaxMQ7JrYh7IoOVSDz9NiCKb4mQJcDlOU" 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">
               Fuel your glow.
              </strong>
              A daily intake of core nutrients helps you stay on top of your wellness game. This is where the gummy vitamin experts at
              <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               Vitafusion
              </a>
              come into play. They offer a broad assortment of specially crafted, delicious vitamin supplements that everyone can enjoy.
              <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               Rule your day the Vitafusion way
              </a>
              .
             </p>
            </td>
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              FOOD &amp; BEV
             </h3>
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              <a style="color:#000000!important;text-decoration:none;border-bottom:none!important;" target="_blank">
               <font color="#000000">
                China just grabbed America’s coffee shop crown
               </font>
              </a>
             </h1>
            </td>
           </tr>
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          <a style="text-decoration:none;border:none;" target="_blank">
           <img alt="USA coffee cup and China coffee cup play tug o’ war" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F0f22bf62d77f189366351ba71131a2a6f47c9943-1500x1000.jpg%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3MDU2NDY1NDYuNzgxNjgwOH0:1rQiaA:HGY3L0B8NiNHBQBvXeIo3tjGAyTfanuMXyZEJS35sBs" 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>
             Francis Scialabba
            </em>
           </small>
          </span>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
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              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               The nation historically associated with tea just logged higher numbers on a key coffee-drinking metric than the nation that invented the 64-fluid-ounce cardboard Box O’ Joe.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               China now has the
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                most branded coffee shops
               </a>
               of any country in the world, bumping the US to second place for the first time in at least 20 years, since the World Coffee Portal started tracking. The number of chain coffee shops in China grew by 58% in the past year to
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                surpass
               </a>
               US outlets by more than 9,000 storefronts, the industry platform found.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                That’s not the only upset.
               </strong>
               Luckin Coffee—a Chinese company that beat a
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                fraud scandal
               </a>
               and
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                bankruptcy
               </a>
               to become a major coffee contender—is the
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                largest coffee chain brand
               </a>
               in China as of June after it leveraged franchising, low-cost scalability, and localized recipes. It unseated Starbucks, which counts China as its second-largest market (and doesn’t franchise).
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Venti catch-up:
               </strong>
               Starbucks spent $200 million this year on a new Chinese campus, which the company said was its largest investment in a coffee manufacturing and distribution center outside the US. The chain currently has about 6,500 stores in China to Luckin’s ~11,000, and its goal is to reach 9,000 locations by 2025. That could help the Seattle-bred brewer keep its top spot in the overall East Asia coffee market as domestic brands grow.
               <em>
                —ML
               </em>
              </p>
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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">
              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>
           </tr>
          </table>
          <img alt="Graphic of an internet search bar" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F883ca66edf3b9da0efe09fe9c2ccc452c960c68c-1500x1000.jpg%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3MDU2NDY1NDYuNzgyMjYxfQ:1rQiaA:7lDI8UWsx2nkdeBdU4dIGNkVwZ5Gaj7BOviKexLD6T8" 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>
             Francis Scialabba
             <br/>
            </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>
               We have some good news for grandmas: Searches for the word “granny” on Pornhub were up 132% this year. That’s just one of an unfathomable number of porn-related insights included in the site’s annual year-in-review—most of which we can’t share here. But one that we
               <em>
                can
               </em>
               report is that the AI craze has officially come to the world of pornography. Searches for “android” increased a whopping 1,689% in 2023. Average time spent on the site was 10 minutes and nine seconds per visit, up 15 seconds from last year, thanks to 45-and-older users (younger demographics spent
               <em>
                less
               </em>
               time on Pornhub than they did the year prior). For more fascinating data points, including the ones that are even less appropriate for this wholesome business newsletter, you can fire up your browser’s incognito mode and
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                check out the results
               </a>
               .
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Quote:
               </strong>
               “We’re asking a very simple question that has somehow been made complicated: Why are you platforming and monetizing Nazis?”
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               That’s the beginning of a
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                scathing open letter
               </a>
               sent by several prominent Substackers to the publishing platform’s co-founders yesterday. They cited a recent piece in The Atlantic that outlined how Substack’s lax moderation policies
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                have allowed
               </a>
               neo-Nazis, white supremacists, and other bad actors to flourish on the platform. Substack has not yet responded to the letter, but executives told The Atlantic that the platform “is built on freedom of expression” and does not censor writers unless they incite violence.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Read:
               </strong>
               Mount Everest is on thin ice. (
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                WSJ
               </a>
               )
              </p>
             </div>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
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      <!-- ARTICLE --->
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      <div class="c6" style="margin-bottom:7px">
       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" class="story-card-table outer" style="border-collapse:collapse;border-collapse: collapse;" width="100%">
        <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" class="story-card-table" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="tag-title" 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">
              QUIZ
             </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">
                I saw mommy quizzing Santa Claus
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <a style="text-decoration:none;border:none;" target="_blank">
           <img alt="New Friday quiz image" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F215e92bf9db8d1b0eb13e4e74ccab19fb6a3f1bb-3000x750.jpg%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3MDU2NDY1NDYuNzgyNDQwMn0:1rQiaA:oel9Kwtoz3KXXMTHrS7Ob1UP5OpVLxRXOSBDcXBJvKA" 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>
             <div>
             </div>
            </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">
               The feeling of getting a 5/5 on the Brew’s Weekly News Quiz has been compared to swishing a shot into the garbage in a public setting.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               It’s that satisfying.
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Ace the quiz
               </a>
               .
              </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>
         <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" class="story-card-table" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="tag-title" 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">
              NEWS
             </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">
                What else is brewing
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td class="card-content" 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">
                 Pope Francis
                </a>
               </span>
               <span>
                called for a global treaty to regulate artificial intelligence, which he said is a “risk to our survival.”
               </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">
                 Amazon
                </a>
               </span>
               <span>
                confirmed that its ultra-fast Project Kuiper satellite technology actually works.
               </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">
                 More than 1,300 tons of fish
                </a>
               </span>
               <span>
                washed ashore in Japan, and officials have no idea why.
               </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 EU
                </a>
               </span>
               <span>
                decided to open negotiations to add Ukraine and Moldova as members, the European Council announced yesterday.
               </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 Biden administration
                </a>
               </span>
               <span>
                urged Israel to scale back its ground war against Hamas in Gaza by the end of the year and to employ elite commandos instead.
               </span>
              </li>
             </ul>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
       <!--[if !mso]><! -- -->
      </div>
      <!-- <![endif]-->
      <!-- END ARTICLE --->
      <!-- ARTICLE --->
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      <div class="c6" style="margin-bottom:7px">
       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" class="story-card-table outer" style="border-collapse:collapse;border-collapse: collapse;" width="100%">
        <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" class="story-card-table" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="tag-title" 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">
              RECS
             </h3>
            </td>
           </tr>
          </table>
          <img alt="Friday to-do list" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fad36328db69bb793e533265a69cd0ac00c6f5ddd-1500x375.png%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3MDU2NDY1NDYuNzgyNTY1fQ:1rQiaA:DcEOhSkP5uyOud16EHVkSsusV3sKUIgRR3hPMsppcjg" 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>
            </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">
               <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3MDU2NDY1NDYuNzgyNjYzNn0:1rQiaA:tpwkSGONYWHbvBOEtKMXp6O_EW0zdOnFDi0SQf5-k24" style="max-width:18px" width="18"/>
               <strong style="color:#000">
                Feast your eyes:
               </strong>
               The 17
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                best streets
               </a>
               in the US to see Christmas lights.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3MDU2NDY1NDYuNzgyNzU4N30:1rQiaA:EpMQlrdamHkNGDrIkNm0bFBPRiGSEnfPmGLdOy2dWIY" style="max-width:18px" width="18"/>
               <strong style="color:#000">
                Research:
               </strong>
               A look back at Pew’s most
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                striking findings
               </a>
               of 2023.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3MDU2NDY1NDYuNzgyODU1N30:1rQiaA:ZBZf76eLbWn9g_1G66K9Gb1FMa0b6Dl21p5VnYgmmDw" style="max-width:18px" width="18"/>
               <strong style="color:#000">
                Get comfy:
               </strong>
               A short, cozy history of
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                family pajamas
               </a>
               .
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3MDU2NDY1NDYuNzgzMDIwNX0:1rQiaA:6hU6fz3J27xen0w6cvm7n7qQsbsx9gKAxkRFAKd1QWk" style="max-width:18px" width="18"/>
               <strong style="color:#000">
                Learn:
               </strong>
               Why Neanderthals
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                might be responsible
               </a>
               for your being a morning person.
              </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%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3MDU2NDY1NDYuNzgzMTN9:1rQiaA:LI-nmPABrAQtypTf-fGiGW0V9lPj2mqPdtwlH3qOkHg" style="max-width:18px" width="18"/>
                Jingle jingle*:
               </strong>
               The holiday season can get expensive. Here’s an idea: Earn unlimited Daily Cash back when you spend with Apple Card. No points,
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                no fees
               </a>
               .
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Apply now
               </a>
               . Terms apply.
              </p>
              <placementslot data-id="524943de3218">
              </placementslot>
              <placementslot data-id="bf26e14219f9">
              </placementslot>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <sup>
                <em>
                 *A message from our sponsor.
                </em>
               </sup>
              </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>
         <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" class="story-card-table" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="tag-title" 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 class="card-content" 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">
                Jigsaw:
               </strong>
               See how the White House decorates for the holidays in today’s Jigsaw puzzle.
               <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">
               Friday puzzle
              </h2>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               We haven’t given you a math Friday Puzzle in a minute, so here’s one:
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Can you make 20 using three 3s and any mathematical operations you like? To put a point on it: All the math symbols are fair game, but you can’t use any other digits besides three 3s.
              </p>
             </div>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
       <!--[if !mso]><! -- -->
      </div>
      <!-- <![endif]-->
      <!-- END ARTICLE --->
      <!-- ARTICLE --->
      <!--[if !mso ]><! -- -->
      <div class="c6 core_hidden" style="margin-bottom:7px">
       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" class="story-card-table outer" style="border-collapse:collapse;border-collapse: collapse;" width="100%">
        <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" class="story-card-table" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="tag-title" 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">
              SHARE THE BREW
             </h3>
            </td>
           </tr>
          </table>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td class="card-content" style="padding-right:15px;padding-bottom:15px;padding-left:15px;padding-top:0px">
             <p style="line-height:22px;margin-top:0;margin-bottom:15px;margin-bottom:15px;line-height:22px;">
              <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333;border-bottom-width:2px;border-bottom-style:solid;border-bottom-color:#1c7ff2;text-decoration:none;color:#252525;" target="_blank">
               Share Morning Brew
              </a>
              with your friends, acquire free Brew swag, and then acquire more friends as a result of your fresh Brew swag.
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px;margin-bottom:15px;line-height:22px;">
              We’re saying we’ll give you free stuff and more friends if you share a link. One link.
             </p>
             <a class="">
              <p style="line-height:22px;margin-top:0;margin-bottom:15px;margin-bottom:15px;line-height:22px;">
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               One solution: 20 = (3 + 3)/.3
              </p>
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               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Source
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                Word of the Day
               </span>
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               Today’s Word of the Day is: unfathomable, meaning “incapable of being fully explored or understood.” Thanks to Deepank from India for the very comprehensible suggestion. Submit another
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               ✷ A Note From EnergyX
              </strong>
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               This is a paid advertisement for EnergyX’s Regulation A+ Offering. Please read the offering circular at
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                invest.energyx.com/
               </a>
               .
              </em>
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               ✢ A Note From SmartAsset
              </strong>
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              <em>
               Source: 1. “
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                What’s the value of a financial advisor?
               </a>
               ” Herbers &amp; Company (Dec. 2021)
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