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The 10-Point: My Guide to the Day's Top News.

The Wall Street Journal
Good morning,
Data Damage
There is mounting unease in Washington over the Obama administration’s handling of one of the biggest ever thefts of government records. Administration officials avoided disclosing the severity of the data hack for more than a week by defining it as two distinct breaches, according to people familiar with the matter. Lawmakers are criticizing the White House’s response. Meanwhile, Office of Personnel Management Director Katherine Archuleta yesterday said her agency is investigating whether up to 18 million unique Social Security numbers were stolen as part of the attack on security-clearance records. FBI agents suspect China was behind the breach, though Chinese officials have said they weren’t involved.
Failing Health
The U.S. Affordable Care Act was passed on the premise that millions of Americans needed health insurance. But now, five years in, many uninsured Americans are getting health care through cash, barter and charity. The law’s penalty for not carrying insurance grows to its maximum next year and will start at $695 for an individual, up from $325 this year. But that still isn’t enough to sway some people. The persistence of holdouts suggests that the U.S. health-care landscape under the health law might look like it did before: A large pool of uninsured will use a thriving parallel market for treatment, one partly subsidized by taxpayers and the premiums of people who do buy insurance.
Trouble Brewing
If you thought your favorite beer was an import, think again. It may have been brewed in St. Louis., or Latrobe, Pa., or Fort Worth, Texas. And if that beer is called Beck’s you might soon be eligible to get some of your money back. The refund is part of the settlement of a class-action lawsuit claiming that the beer’s maker, Anheuser-Busch InBev, tricked American consumers into believing that the beer was an authentic German pilsner when it is really brewed in St. Louis. Beck’s drinkers can get 10 cents back for every individual bottle purchased; 50 cents for a six-pack or $1.75 per 20-pack. As part of the settlement, a statement on the bottle saying the beer is made in the U.S. will become more visible.
Bin Battles
What are the chances your carry-on won’t fit in the overhead bin? Even if your bag is the right size, many airplanes don’t have enough space up there. Our Middle Seat columnist Scott McCartney looks at why no room at the bin has become one of the biggest customer-service issues in the skies. Southwest Airlines doesn’t charge baggage fees, so it has less of a carry-on crunch. Southwest has more generous carry-on size restrictions, too. And at the other extreme, Spirit Airlines charges to put bags in overhead bins. Meanwhile, Boeing thinks the long-term solution is a new bin design, which is already available on new aircraft.
TOP STORIES
U.S.

Fast-Track’s Passage Sets Up Round Two on Obama’s Trade Agenda

Charleston Officials Take Steps to Bar Protesters From Victims’ Funerals
WORLD

NATO Ramps Up Response to Russia

Greek Bailout Talks Stumble Over Significant Differences
BUSINESS

Data Centers and Hidden Water Use

WeWork’s Valuation Soars to $10 Billion
MARKETS

Call It a Comeback for Risky Home Buyers

J.P. Morgan, SEC in Settlement Talks Over Product Steering
TODAY'S VIDEO
How Are Americans Spending Their Day?
That Was Painless
What activities are Americans doing during their day? The Labor Department has released its American Time Use Survey for 2014, and the WSJ has the breakdown.
NUMBER OF THE DAY
13.5%
The increase in total compensation in 2014 from the year earlier for CEOs in the Journal’s survey.
QUOTE OF THE DAY
Whenever your name is mentioned what will be remembered is the evil you have done.
Judge George O’Toole’s comments to Boston Marathon bomber Dzhokhar Tsarnaev at the conclusion of his two-month trial yesterday. Moments before Mr. Tsarnaev was sentenced to death, the 21-year-old apologized to victims.
TODAY'S QUESTION
Going back to our story above, what are your thoughts on the impact of the Affordable Care Act? Send your comments, which we may edit before publication, to 10point@wsj.com. Please include your name and location.
—Compiled by Khadeeja Safdar
READER RESPONSE
In answer to yesterday’s question about helicopter siblings, Sharron Jamarik of Maryland wrote: “Helicopter siblings sounds like something we need more of. Full disclosure: I am one, or was when our mother was living. Now I am the new matriarch.” Julie Sorvino, a mother of two in New Jersey, commented: “We refer to big sis as Tiger Sister, affectionately of course! We truly couldn’t have navigated these past three years without her managerial, never-meddling, style! Her helicoptering while away at school was a welcome addition to the family dynamics. We even took her to a college counseling meeting for my younger daughter and introduced her as Tiger Sis. I vacillate my parenting styles between free range and pretty chill with a twist of helicoptering thrown in for good measure.” William A. Henderson Jr., also of New Jersey, wrote: “Trust me: the bond between siblings and their loyalty to each other is stronger than the same to their parents. Beware of the information flow as it will be censored, edited and tailored for parental consumption.”
This daily briefing is named "The 10-Point" after the nickname conferred by the editors of The Wall Street Journal on the lead column of the legendary "What's News" digest of top stories. Technically, "10-point" referred to the size of the typeface. The type is smaller now but the name lives on.
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Copyright 2015 Dow Jones & Company, Inc. All Rights Reserved.   

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