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

The Wall Street Journal
Good morning,
Back to School
A federal crackdown on for-profit colleges is cutting off a lifeline to the once-high-flying industry as the second major school operator in recent years closed Tuesday, potentially leaving taxpayers on the hook for hundreds of millions of dollars in student loans. ITT Technical Institute, among the nation’s largest for-profit college chains by revenue, abruptly closed more than 130 campuses, forcing more than 40,000 students at campuses in 38 states to begin looking for another school after the government banned it from enrolling new students receiving federal aid. ITT got 80% of its cash revenue in 2015 from Title IV federal aid, including Pell Grants and student loans. Meanwhile, a lawsuit seeking class-action status was filed Tuesday on behalf of the 8,000 employees laid off by the closure of ITT’s campuses.


Iran’s ATM
The Obama administration followed up a planeload of $400 million in cash sent to Iran in January with two more such shipments in the next 19 days, totaling another $1.3 billion. The payments settled a decades-old dispute over a failed arms deal dating back to 1979. U.S. officials have acknowledged the payment of the first $400 million coincided with Iran’s release of American prisoners and was used as leverage to ensure they were flown out of Tehran on the morning of Jan. 17. We report that the Obama administration briefed lawmakers on Tuesday, telling them that two further portions of the $1.3 billion were transferred though Europe on Jan. 22 and Feb. 5. The revelations come as Congress returns from a summer recess with Republicans vowing to pursue charges that the White House paid ransom to Tehran, a charge President Barack Obama has repeatedly rejected.
Accentuate the Negative
Investors are now paying for the privilege of lending their money to companies, a fresh sign of how aggressive central-bank policy is upending conventional patterns in finance. German consumer-products company Henkel and French drugmaker Sanofi each sold no-interest bonds at a premium to their face value Tuesday,—in effect a negative interest rate—a rare feat for companies which ask investors to bear credit risk. Meanwhile, we report that Wall Street has re-engineered the most bread-and-butter of investments in a way that leaves many investors with lower returns, and facing losses if they have to cash out early. Returns on market-linked or structured CDs depend on the performance of a basket of stocks or other assets instead of a flat interest rate. We take a look at some disappointing returns data.
The Silver Bullet
The solution for Post-it Notes lost under the desk and phone alerts silenced in meetings may be at hand. People who have tried countless online calendars and list-making apps are making the Bullet Journal—a way of organizing and writing lists in a plain old notebook—a hit. Bullet Journal devotees call it something between a diary, a wish list and a to-do list. It isn’t fancy; it isn’t technological, but that is the point. The journal works on the principle that nothing, not an idea, a hope, an appointment or an accomplishment need be lost if you write it down. Under the system, events are represented by an “O” bullet and tasks are a dot. From there more layers of complexity are added. Bullet journalists say the technique helps them improve productivity, reduce stress and sleep better.
Tug Fest
That Was Painless
Each year, residents of LeClaire, Iowa, and Port Byron, Ill., try to determine who’s better with a game of tug of war across the Mississippi River.

Immigration Source Shifts to Asia From Mexico

Undecided GOP-Leaning Voters Provide an Opening for Donald Trump

In Laos, Obama Seeks to Move Past Vietnam War Fallout

Kabul Siege Ends After 10-Hour Gun Battle at Aid Group Compound

Pershing Square Reveals 9.9% Stake in Chipotle

PlayStation and Xbox Consoles Get Upgrades at Faster Clip

Driver-Led Oil Rally in Peril as Stockpiles Grow

Amazon-Wells Fargo Deal Hit Political Obstacles
$28 billion
The value of an all-stock deal in which Canadian pipeline operator Enbridge agreed to buy Houston’s Spectra Energy, creating a North American energy-infrastructure giant at a time when growth is challenged by lower commodity prices and higher regulatory hurdles.
I don’t know when I will be able to go home...I have no valid passport, I have gone from house to house, and things are only getting worse.
Bulent Kenes, former editor of Today’s Zaman, says he has gone into hiding to avoid being jailed. Turkey has detained around 100 journalists for alleged links to U.S.-based imam Fethullah Gulen, at one time one of President Recep Tayyip Erdogan’s most important allies and now his biggest foe, accused of masterminding a failed coup.
Going back to our story above, what are your thoughts on the federal crackdown on for-profit colleges? 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 FBI’s summary of its investigation into Hillary Clinton’s email practices, John Sansevere of Pennsylvania wrote: “The FBI summary demonstrates the lack of competent professionalism within and outside of government. Mrs. Clinton knew what she was doing. She either just didn’t care or she felt she could do whatever she wanted without penalty.” Thatcher A. Stone of Virginia said: “The failure of the FBI to recommend indicting Mrs. Clinton leaves us with a terribly shortsighted situation. Those who in the future violate the public trust by being outrageously careless or negligent with their handling of classified data will point to the Clinton case as precedent for why their carelessness and negligence should be ignored and not prosecuted. This is not in the best interest of the United States.” And Bill Braswell of Virginia commented: “Lots of quid. But where is the quo?...To date there is nothing here.”
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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