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

The Wall Street Journal
Good morning,
Pain or Pride
A fresh Greek offer of budget cuts and policy overhauls has once again fallen short. It was dismissed by European officials this morning as insufficient to revive negotiations over a new bailout for Athens. Nevertheless, European stocks were higher on renewed optimism about a possible deal. This comes after Greece became the first advanced economy to default on loans from the International Monetary Fund last night. Greeks are weighing the monumental choice they have to make in Sunday’s referendum: more financial pain to stay with the euro, or the uncertainty of being cut loose. The bailout question has polarized voters along ideological and economic lines, but most Greeks plan to reject the creditors’ terms, a poll out today showed. The next three weeks will be crucial. Barring any last-minute agreements, July 20 is the endgame—the day Greece must repay a bond to the European Central Bank. See five possible future currency arrangements for Greece.
Buckle Up
Investors expect the rest of 2015 to be a bumpy ride. The stock market has shifted to neutral lately while bonds have gone into reverse. The oil market came roaring back in the second quarter, but more pain may be in store for investors. Mom-and-pop investors are putting on the brakes after years spent piling into stock and bond mutual funds—reflecting anxiety that the rally in capital markets is growing long in the tooth. As mergers-and-acquisition activity has raced ahead in other parts of the globe, economic worries have kept Europe relatively quiet. And in China, action in Shanghai has been volatile, but a torrid start to the year means stocks are still up.
Out in the Open
Jeb Bush released 33 years worth of tax returns yesterday, the most ever by a U.S. presidential candidate. The documents paint a broad picture of Mr. Bush’s income during much of his adult life. His effective federal tax rate hovered around 36% over more than three decades of earnings and his total net worth is between $19 million and $22 million. The voluntary release of tax information is aimed at reinforcing a broader message being pushed by his campaign—that he is more open with the public than his opponents, particularly Hillary Clinton. Meanwhile, 3,000 pages of emails released today offer a window into Mrs. Clinton’s thinking during her tenure as secretary of state.
Dishing the Dirt
Everyone, it seems, has a strong opinion about how to load a dishwasher—leading to disputes and power struggles in homes around the world. The how-we-load-the-dishes stakes are higher than ever, say appliance makers. Energy-saving dishwashers use less water, and that heightens tensions about how much pre-rinsing is needed. People also argue about which rack should hold plastic containers, how full the load should be and whether utensils should be loaded with handles up or down. One handy tip: Mixing knives, forks and spoons in the basket avoids “nesting” and gets them cleaner, but increases unloading time.

U.S., Cuba Reach Agreement to Establish Full Diplomatic Relations

Trade Bank Finds Lopsided Liberal Support

Iran, Global Powers Extend Nuclear Talks Deadline

Ebola Death in Liberia Sparks Fears of New Outbreak

Bosses Reclassify Workers to Cut Costs

Sysco Ends Plans to Merge With US Foods

China Shares Reverse Selloff That Landed in Bear Market

Investors Seek Safety in Gold and Bitcoin
$400 million
The estimated amount that the Puerto Rico Electric Power Authority would pay bondholders in a deal to avoid default, according to people familiar with the matter. The arrangement could stave off what investors fear might be the first default of many from the U.S. commonwealth.
The [new] rules are going to force more people into part-time work, and we’re already seeing that with Obamacare.
Scott Gittrich, the founder and president of Toppers Pizza Inc. in Whitewater, Wis, on a White House proposal to expand eligibility for overtime pay to around five million more Americans.
What are your thoughts on loading the dishwasher? Send your comments, which we may edit before publication, to Please include your name and location.
—Compiled by Khadeeja Safdar
On yesterday’s question about the U.S. Supreme Court’s upcoming case on affirmative action, Scott N. Ledbetter of Georgia wrote: “Someday we will have the color-blind society envisioned by Martin Luther King. People will move ahead or not based on their individual merit and initiative. Until then, the current preoccupation with race, gender, sensitivity, etc. will scatter us. The campus scene today at many leading universities is a mess.” And Richard Hayes of Michigan commented: “At some time, racial equality will be reflected in the complete avoidance of Affirmative Action directives. While in the past it might have helped an underclass, today if we really want to act with racial equality, we must as a nation move toward evaluation on talent or skills alone. To perpetuate Affirmative Action will work to the real, long term disadvantage of the targeted class.”
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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