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

The Wall Street Journal
Good morning,
False Account
Wells Fargo was slapped with a $185 million fine Thursday for “widespread illegal” sales practices that included employees possibly opening more than two million deposit and credit-card accounts without customers’ knowledge, spurred by sales targets and compensation incentives. Wells Fargo neither admitted nor denied the allegations but agreed to pay the fine and submit to a consent order to settle civil claims brought by the U.S. Office of the Comptroller of the Currency, the Consumer Financial Protection Bureau and the Los Angeles City Attorney’s office. The portion of the fine that was assessed by the CFPB, $100 million, was the largest in the agency’s five-year history and more than double the next highest amount. Wells Fargo, which had 268,000 employees at the end of June, fired about 5,300 employees during the CFPB’s examination.

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Warm and Calculating
As polls show the election continuing to tighten, and after a steady volley of attacks on Donald Trump, Hillary Clinton’s campaign has concluded that it hasn’t done enough to telegraph a positive message, and plans a series of speeches aimed at defining her vision for the presidency. Her shift in strategy is in line with a recent recommendation by Vice President Joe Biden to show more of herself. The popular blog Humans of New York posted a highly personal rumination from Mrs. Clinton on Thursday, in which she takes responsibility for coming off as “cold and unemotional” and recalls being heckled by men while she was taking the law school entrance exam. On Friday, Mrs. Clinton will convene a “working session” on national security with a bipartisan group of experts. Meanwhile, both Mrs. Clinton and Mr. Trump found themselves grappling Thursday with fallout from their first joint forum on Wednesday.
Metal on the Move
A stockpile of aluminum in Mexico—at one time worth some $2 billion at roughly 6% of the world’s total inventory—has become a new source of tension in U.S.-Chinese trade relations. We report that U.S. executives contend that the mysterious cache was part of a brazen scheme by one of China’s richest men to game the global trade system. Aluminum-industry representative Jeff Henderson says he is convinced that China Zhongwang Holdings, a Chinese aluminum giant controlled by billionaire Liu Zhongtian, tried to evade U.S. tariffs by routing aluminum through Mexico to disguise its origins, a tactic known as transshipping. Mr. Liu, a member of China’s ruling Communist Party, denies any connection, but records show that hundreds of thousands of tons of aluminum were shipped to Mexico from China through a series of companies, including one owned by Mr. Liu’s son.
Test Results
North Korea conducted a fifth nuclear test hours after President Barack Obama wrapped up a tour of Asia, highlighting the U.S.’s struggle to rein in the rising threat from dictator Kim Jong Un. Pyongyang declared a successful test hours after the U.S. Geological Survey detected a magnitude 5.3 earthquake near North Korea’s nuclear test site in the country’s northeast early on Friday, a reading that surpassed the magnitudes of tremors set off by the country’s previous nuclear tests. North Korea confirmed in a statement released through its state media that it conducted a test explosion of a nuclear warhead. The explosion came a day after Mr. Obama said at a regional summit in Laos that he would continue to explore ways to reduce the threat from North Korea during his final four months in office.
Living Large
The September 2016 Men’s Style issue of WSJ. Magazine features a cover profile of iconoclastic media titan Shane Smith, co-founder and CEO of Vice Media. Mr. Smith opens his newly renovated, $23 million Santa Monica estate (which he purchased without setting foot inside) and discusses his ambitions for his expanding media empire. Also in the issue is a dispatch from Virunga National Park in civil-war ravaged eastern Congo, where a team of rangers is restoring hope for the area’s endangered gorillas. We also look at the changing of the guard at a hallowed institution in men’s fashion, Savile Row; a day in the life of the Serpentine Galleries’ artistic director Hans Ulrich Obrist; and what’s on celebrity chef Anthony Bourdain’s iPhone.
TODAY'S VIDEO
Grizzly Product Tests
That Was Painless
Bears at the Grizzly & Wolf Discovery Center in West Yellowstone, Mont., are given 60 minutes to try to pry, scratch and dig into various outdoor products. Manufacturers hope their gear will then be certified “bear resistant.”
TOP STORIES
U.S.

Latino Population Growth in U.S. Slows

Marine Corps Officials Recommend Charges in Death of Muslim Recruit
WORLD

Military’s Hostage Rescue Falls Short in Afghanistan

Fragile Post-Summer Cease-Fire Holds in Ukraine Amid Tensions with Moscow
BUSINESS

SpaceX Leads Probe Into Falcon 9 Rocket Explosion

Airbnb Promotes Diversity to Prevent Booking Discrimination by Hosts
MARKETS

Bank of Japan Risk: Running Out of Bonds to Buy

After 11 Years, It’s Finally Spitzer v. Greenberg
NUMBER OF THE DAY
400
The number of additional troops the U.S. has sent to Iraq to assist Iraqi forces in an offensive to reclaim the city of Mosul from Islamic State. Defense officials anticipate the long-delayed battle will begin in October.
QUOTE OF THE DAY
Customers demand their purchases arrive faster and faster each year.
Brian Lemerise, president of Quiet Logistics, on competition already heating up for workers needed to make online holiday orders arrive on time, despite Christmas being more than three months away.
TODAY'S QUESTION
Going back to our story above, what are your thoughts on the Wells Fargo sales scam? 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 Apple’s design upgrades, Cole Aston of Missouri wrote: “Design upgrades? I hardly think removing a headphone jack and adding $159 headphones (that won’t stay in your ear) to the lineup are upgrades. Samsung passed them up in product innovation long ago and this is confirmation of it.” Bill Wood of California said: “The concept of wireless ear phones is remarkable. I hope that Apple will market single ear pods so when the right or left one is lost it can be replaced. If that does not happen there will be a wonderful after market for single ear pods on eBay. My choice will be the adapter for the recharging port for old style ear phones.” And Jim Brown of Illinois weighed in: “I have no interest in ‘recharging’ ear buds. My iPhone 6 ear buds with jack, microphone and no batteries work just fine.”
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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