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

The Wall Street Journal
Good morning,
Mayhem
Eleven police officers were shot by at least two snipers in Dallas Thursday night during a protest over police brutality, leaving five officers dead and wounding six, and turning parts of downtown into a massive crime scene by Friday morning. Dallas Police Chief David Brown said the snipers had opened fire on officers from “elevated positions” during the protests. A civilian was also wounded. Local video showed a chaotic scene as a barrage of shots rang out, and the shooting sent hundreds of protesters fleeing through the streets. By early Friday morning, three suspects were in custody, including a woman. A fourth had been hunkered down in a city garage, exchanging gunfire with police. The standoff was over, but a city official could not confirm the status of the fourth suspect. Protesters said they believed the shootings were linked to the national turmoil over police shootings of minorities—most recently two black men in Minnesota and Louisiana.
Hillary in the Headlights
House Republicans said Thursday they would seek a new FBI examination into Hillary Clinton, this one focused on whether she lied to Congress about her handling of classified information, raising the likelihood the controversy over her private email system will continue through the fall. The announcement came as FBI Director James Comey appeared before Congress to forcefully defend his recommendation to the Justice Department against charging Mrs. Clinton. Also yesterday, the State Department said it would resume its probe of Mrs. Clinton’s email practices, and we report that security clearance may become an issue for her staff. Meanwhile, Donald Trump visited Capitol Hill on Thursday, where he won Sen. Ted Cruz’s commitment to speak at the GOP convention this month, but clashed with critics during closed-door meetings. We report that the 2016 election is shaping up in large part as a referendum on an economic model that is widely seen as failing, kicking off a series examining the roots of that disillusionment and its social and political consequences.
Lower Still
Government bond yields plummeted this week, but mortgage rates haven’t fallen so fast. After plumbing record lows earlier this week, the 10-year yield closed at 1.387% on Thursday, while the national average for a 30-year, fixed-rate conforming mortgage was 3.41%. The difference between the two, at 2.02 percentage points, has risen in recent weeks and is at one of its widest levels since mid-2012. For banks and investors, that is a silver lining of the superlow interest-rate environment and should bolster bank profits from making mortgages. Similar to what occurred during the mortgage-refinancing wave of 2012, banks aren’t passing on the savings to borrowers. But the good times won’t last forever for banks. They could be forced to lower mortgage rates once the latest wave of demand slows.
All Decked Out
The backyard deck is having its moment in the sun. The size of decks and patios is rising, and architects are seeing renewed interest from luxury-home buyers—even in cold-winter markets such as Colorado and Minnesota. The shift, experts say, reflects what’s happening indoors: Walls are coming down, along with the notion of boxy, formal living spaces. Now, more developers are taking cues from the resort industry, where the outdoors shines. One Lake Michigan home boasts a 6,000-square-foot deck with an outdoor kitchen, a resistance-swimming pool, spa, fireplace and lounge areas. “If you don’t add that outdoor playground, you’re just getting it wrong,” says the director of sales for a company building a 13,814-square-foot contemporary home in Malibu with another 10,000 square feet of decking and patios.
TODAY'S VIDEO
Military Brass
That Was Painless
The official band of the North Atlantic Treaty Organization has learned to do more with less. One problem: The alliance has 28 nations, but only the U.S. sends musicians.
TOP STORIES
U.S.

Cities Clash With State Governments Over Social and Environmental Policies

Joe Biden to Join Clinton in Scranton, Pa., to Bolster Her Blue-Collar Support
WORLD

Lawmakers Choose Theresa May and Andrea Leadsom to Face Off in U.K. Conservative Leadership Election

Obama, NATO Leaders Gather as Europe Frays and Russia Blusters
BUSINESS

Danone Boosts U.S. Business With $10 Billion WhiteWave Deal

Revving Up Oil Fields Won’t Be So Easily Done
MARKETS

New Growth Plan for Online Lenders: Layoffs

Brexit Is Helping China Push Down the Yuan
NUMBER OF THE DAY
2
The number of years for which U.S. federal health regulators banned Theranos founder Elizabeth Holmes from operating a blood-testing laboratory, in addition to yanking regulatory approval for the company’s California lab.
QUOTE OF THE DAY
Would this have happened if those passengers and the driver were white? I don’t think it would’ve.
Minnesota Gov. Mark Dayton said racism appears to have been a factor in the fatal shooting of a black man, Philando Castile, by a police officer Wednesday evening in a suburb of Minneapolis and St. Paul—the aftermath of which was captured on video and livestreamed by the man’s girlfriend.
TODAY'S QUESTION
Going back to our story above, what are your thoughts on Mr. Cruz agreeing to speak at the Republican National Convention? Send your comments, which we may edit before publication, to 10point@wsj.com. Please include your name and location.
—Compiled by Margaret Rawson
READER RESPONSE
Responding to yesterday’s question on Tesla’s Autopilot software, Robert Brunner of California shared: “Autopilot is one of the main reasons I bought the Tesla Model S. Between the HOV lane access and Autopilot, the Model S makes my commute from Orange County to downtown Los Angeles almost bearable. I would not trust it completely...but it certainly makes it easier to multi-task.” Robert Boyd of Massachusetts wrote: “The apparent decrease in auto accidents in self-driving autos is very encouraging, and a clear improvement in traffic fatalities already appears likely on the near horizon compared to our present human-driven cars. This work should continue to be supported, and encouraged.” But Ray Dillon of Pennsylvania commented: “I believe this technology would be best left on the shelf in favor of proximity warnings, devices that help prevent drivers from falling asleep at the wheel and mandating that all vehicles readily accept devices that would prevent the car from starting if the driver is intoxicated.” And Stephen Pearcy of South Carolina said: “The public has been lulled into the notion that ‘we make cars smart so you don’t have to to be.’ Software may be better than the average human driver but it’s not perfect. Until the day that software is flawless, you’d better stay alert.”
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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