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

The Wall Street Journal
Good morning from the final day of the Democratic National Convention in Philadelphia,
Democrats Rally
President Barack Obama, with the end of his own presidency in sight, vouched for Hillary Clinton in his big speech Wednesday night and urged his supporters to embrace her candidacy. In an address that marked a symbolic transfer of Democratic political leadership, Mr. Obama addressed Americans who are skeptical about Mrs. Clinton’s trustworthiness, and was joined by her on stage after his remarks. Earlier in the evening, vice presidential nominee Sen. Tim Kaine introduced himself to a national audience. With a slightly different address, Vice President Joe Biden delivered a strong personal endorsement of Mrs. Clinton and former New York Mayor Michael Bloomberg joined others, including Mr. Obama, in painting a searing portrait of Donald Trump. Mr. Trump drew sharp criticism from national-security experts Wednesday for inviting Russia to unearth some of Mrs. Clinton’s missing emails. Meanwhile, we chronicle Mrs. Clinton’s trying first year as first lady, which forged the cautious politician she is today. As Ivanka Trump introduced her father last week, Chelsea Clinton will introduce her mother to the convention tonight.


Banking Blues
A lagging economy, messy politics and negative interest rates have combined to brutalize European lenders, few more prominently than Deutsche Bank. The German bank reported steep second-quarter falls in its investment-banking and securities-trading businesses, with net quarterly income a mere $22 million, down 98% from a year earlier. So far this year, Deutsche Bank shares are off 45%. They now trade around where they did in 1976. The woeful results point to a widening gulf between U.S. banks and their European peers, which face lingering bad loans and a post-Brexit slump. Deutsche Bank must fend off stronger U.S. rivals chipping away at its global investment bank, including in its backyard, while trying to settle civil lawsuits and regulatory investigations it expects will result in big fines.
Poor Health Forecast
Anthem, one of the country’s largest insurers, said it is now projecting losses on its Affordable Care Act plans this year, a turnaround for a major insurer whose financial performance on health law plans had previously been a relative bright spot among its peers, many of which continue to struggle. The second-largest insurance company said it now believes it will see a “mid-single-digit” operating margin loss on its ACA plans in 2016, due to higher-than-expected medical costs, but it expects better results next year, because it is seeking substantial premium increases. Anthem’s worsening results on ACA business highlight continued instability in the marketplaces that are at the heart of the Obama administration’s signature health law. Chief Executive Joseph R. Swedish said that the insurer will re-examine its full-on commitment to selling plans on the health law’s exchanges.
Crème de la Crème
Hotels have a secret. Like airlines, they’ve created stealthy loyalty program tiers, often by invitation only, where they aim to treat their very best customers better than the rest of their best customers. Often top-tier members get a different phone number to call that is supposed to get them better service. Companies don’t list the special levels in loyalty program information. Those who get invited don’t know how they qualified and don’t always know what they are going to get for their privileged status. Marriott boasts a Platinum Premier program based on how many Marriott brands you use, while Starwood assigns a personal booking assistant to each member who stays 100 nights a year. Hotels like to keep quiet about the programs, but we take a look at the various perks.
From the Clinton Campaign
That Was Painless
Our Washington bureau chief Gerald F. Seib and I sat down with Clinton campaign manager Robby Mook, who commented on Mrs. Clinton’s plan to help the working class, as well as Mr. Trump’s battleground strategy and controversial appeal to Russia to find Mrs. Clinton’s emails.

Reagan Shooter John Hinckley Jr. to Be Released From Mental Hospital

Baltimore Prosecutors Drop Charges in Freddie Gray Case

Terror Spree Unsettles European Leaders Angela Merkel and François Hollande

Islamic State Says Suicide Bomber Was Fighter Before Migrating to Germany

China’s Taikang Life Insurance Takes 13.5% Stake in Sotheby’s

In China, Apple’s Local Competition Takes a Bite Out of Its Revenue

The Oil-Price Recovery Is Drowning in Gasoline

Driverless Cars Threaten to Crash Insurers’ Earnings
$6.2 billion
Facebook’s advertising sales in the latest quarter, of which 84% was accounted for by advertising on mobile devices. Facebook topped $2 billion in quarterly profit, six months after crossing the billion dollar mark for the first time.
Near-term risks to the economic outlook have diminished.
In a policy statement released Wednesday, the Federal Reserve opened the door to an interest-rate increase later this year, possibly as early as September, after a meeting at which officials concluded the economy is on more solid footing.
What are your thoughts on the Fed’s latest policy statement? Send your comments, which we may edit before publication, to Please include your name and location.
—Compiled by Margaret Rawson
Responding to yesterday’s question on the speeches at the DNC so far, Bob Jones of New Jersey wrote: “All of the Democratic glitterati gave or will give speeches in Philadelphia, while few top Republicans spoke in Cleveland. Since Mr. Trump’s candidacy is essentially a revolt against the ruling elites, this seems appropriate. The question is, does the country embrace the Democrat elites, or Mr. Trump’s revolt against them?” Brian Behler of Nevada commented: “While some can pat their belly and chew gum, others can deliver good speeches while holding their nose.” And Niel Golightly of Texas weighed in: “Both parties are speaking to true believers who are, in this depressingly polarized political era, walled off from each other. As a professional communicator I’d be fascinated to hear what Mr. Trump and Mrs. Clinton would say if obliged to take the stage at their opponents’ conventions. What would they say—face-to-face in a room full of boiling emotion—about the beliefs and fears of the ‘other half’? Which one stands a better chance of winning over the tribe of his or her opponent?”
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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