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

The Wall Street Journal
Good morning,
Global Jihad
Islamic State is expanding its global scope as it suffers some setbacks on the battlefield, calling on supporters spread across several continents to launch assaults on almost any target. While its costly makeshift army faces retention problems and casualties, the group is increasingly reverting to less expensive but spectacular guerrilla maneuvers. In the past week, supporters with suspected or confirmed ties to Islamic State have launched deadly strikes in Turkey, Iraq and Bangladesh. The frequency of attacks outside Syria and Iraq has increased in tandem with battlefield and territorial setbacks that have deprived the militants of key sources of income such as oil. The group’s shift in tactics has been prompted by those territorial losses, U.S. officials and security advisers say. Three explosions shook three Saudi cities and left at least four victims dead Monday, but no one claimed responsibility for the attacks.
Conflicting Demands
As Donald Trump heads into the general election, the conflicts-of-interest question looms large. He says he would separate himself from his business empire by putting his ownership into a blind trust, most likely with his adult children as its trustees, if he were elected president. No federal law would require Mr. Trump to remove himself from running the Trump Organization, ethics experts say, but he would be closely scrutinized for any policy stance that would affect banking, real estate or the foreign countries where his properties sit. Meanwhile, Hillary Clinton’s low favorability rating means down-ballot Democratic candidates could be taking a risk by tying themselves to the party’s presumptive nominee. And from our Washington bureau chief Gerald F. Seib: a five-point guide to the strategic thinking behind choosing a running mate.
Banking on a Crisis
America’s shadow banking system slowed sharply through the end of June, with the value of bonds backed by personal, corporate and real-estate loans falling $98 billion from the first half of 2015. That drop off in issuance of securitized bonds, a 37% decline from a year earlier, is making it harder for businesses, shopping-mall owners and consumers to refinance their debt. Contributing factors include a regulation that will require producers to hold some of the securities they create and uncertainty raised by Britain’s vote to leave the EU. The Brexit vote has produced dire predictions for the U.K. economy and the rest of Europe, but nowhere is the risk concentrated more heavily than in the Italian banking sector. In Italy, 17% of banks’ loans are sour, nearly 10 times the level in the U.S.
Happily Ever After
A talent for spinning a good yarn may lead to a better life. Research shows that the way people construct their individual stories has a large impact on their physical and mental health. People who frame their personal narratives in a positive way have more life satisfaction. And those with a gift for narrative may even be more attractive: New research shows that women find men who are good storytellers more appealing. (Alas, the preference wasn’t mutual.) Stories are profoundly intimate and play an important role early on in relationships. We offer tips for using storytelling to continue to bond, such as setting aside time, starting with your “firsts” and including your emotions.
App Invasion
That Was Painless
Snapchat has become a digital mecca for high-school and college-age students, allowing them to send disappearing photos and videos. Now, they are startled to find their parents and other older folks have taken to the app.

NASA Probe Enters Orbit of Jupiter

E-Cigarette Users Sue Over Exploding Devices

Benjamin Netanyahu Seeks Deeper Ties With Africa

Australia Election Winner to Face Restive Senate

Brexit Vote Rattles Companies Across Europe

July 4 Opening Is No Guarantee for Success at Box Office

The Shale Boom’s New Winner: Propane

Investors Look to Earnings, Oil for Gains in U.S. Stocks
The proportion of mortgage approvals at six big U.S. banks that were jumbos in 2015, up from 21% a year earlier. These high-dollar home loans have become increasingly popular among big banks in the wake of the mortgage crisis.
During the referendum campaign I said I want my country back...And what I’m saying today is I want my life back, and it begins right now.
Nigel Farage quit as leader of the UK Independence Party on Monday, the latest resignation after the U.K.’s vote to leave the EU, as Conservative Party candidates stepped up their campaigns to succeed Prime Minister David Cameron. The first round of voting in the leadership elections by Conservative lawmakers is taking place now.
Going back to our story above, what are your thoughts on the issue of potential conflicts of interest if Mr. Trump is elected? Send your comments, which we may edit before publication, to Please include your name and location.
—Compiled by Margaret Rawson
Responding to Friday’s question on Mondelez’s rejected bid for Hershey, David L. Boyden of Wisconsin wrote: “I have always had a tremendous amount of respect and admiration for Milton Hershey, as a great chocolate maker, entrepreneur, community builder and philanthropist…This is an iconic American brand controlled by a very strong charitable trust. Any significant ownership change at the Hershey Company has a very challenging path to success.” Daniel Souza of Connecticut weighed in: “A combination of Oreo, Cadbury and Hershey—should an acquisition happen—would give Mondelez control of the most popular brands in the candy market and, by extension, a monopoly on pricing. From the consumer’s standpoint, it’s good news that the offer has been rejected.” And Rich Irwin of Ohio added: “I guess the offer wasn’t sweet enough.”
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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