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

The Wall Street Journal
Good morning,
Health Warning
Hillary Clinton’s campaign said Sunday she has been diagnosed with pneumonia, hours after she abruptly left a 9/11 memorial ceremony in New York. The diagnosis, coupled with a remark by Mrs. Clinton late Friday criticizing some Donald Trump supporters as a “basket of deplorables,” is an unwelcome distraction for a campaign facing a tightening of polls in recent weeks, and has thrust her health, as well as her disclosures about it, squarely into the presidential debate. Amateur video taken Sunday near Ground Zero showed Mrs. Clinton looking wobbly as she got into her motorcade with an assist from staff and Secret Service agents. The 68-year-old went to her daughter’s apartment and emerged about two hours later, waving at the waiting cameras; later, she canceled a planned trip to California. Meanwhile, we report that the race in the nation’s biggest swing state, Florida, is shaping up to be a defining test of political enthusiasm versus traditional organization.

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Back to Reality
Summer vacation is over for markets. Investors who had bet heavily on calm seas ahead were jolted on Friday as prices of stocks, bonds, oil and gold all slid amid mounting concerns over the willingness and ability of central banks to prop up markets. The CBOE Volatility Index, which tracks investors’ expectations for volatility in stocks and had bounced near multiyear lows during July and August, jumped 40%. The turbulence has reignited fears that the Federal Reserve is moving further into a rate-raising phase that could leave stocks, emerging markets and commodities vulnerable to a deeper pullback. Whether the retreat is a blip or something bigger could hinge on what the Fed does over the next two weeks. Three Fed speakers are scheduled to speak Monday, after which the central bank enters a self-imposed blackout period before its Sept. 20-21 meeting.
A Sophisticated Enemy
Islamic State is a militant group of the internet age, its followers steeped in Facebook, smartphones and text messaging. But these tools, which helped spread the terror group’s message around the world, also helped authorities foil plots in the group’s early years. We report that Islamic State’s communications have evolved into a mix of encrypted chat-app messages, face-to-face meetings, written notes, stretches of silence and misdirection. These techniques help protect attackers from Western intelligence agencies by leaving few electronic clues in a sea of intercepted data. “We relied too much on technology. And we lost track,” said a Western security official on how the militants who led the Nov. 13 terror attacks in Paris were able to mask the group’s travel to France.
The Sweet Spot
If you had a box of chocolates and could only eat one each day, would you choose your favorite first or save it for the end? Your answer could tell you something important about how to draw down your assets in retirement. Research shows that people feel happier when the rewards they get change over time, yet most retirement plans are set up to give us the same amount of money every month, year after year. In our wealth management report, we explore alternative structures for drawing down your retirement savings, so you can increase the impact. We also look at common student loan mistakes, why investors should consider dividend-paying stocks, why your happiness depends more on your bank balance than your overall wealth, and more.
TODAY'S VIDEO
Breakfast Staples
That Was Painless
As ‘foodies’ invade, residents of Eggs and Bacon Bay, on the Australian island of Tasmania, must decide whether to adopt a (marginally) healthier name.
TOP STORIES
U.S.

Central Banks’ Prized Independence May Be a Hindrance in Managing Inflation

Stretch of Chicago River to Get $1.5 Billion Makeover
WORLD

Syria Rebels Press Fight Against Assad

Libyan Forces Loyal to Eastern Government Attack Key Oil Ports
BUSINESS

EU to Get Tough on Chat Apps in Win for Telecoms

Starboard Value Takes 4.6% Stake in Perrigo, Worth Nearly $600 Million
MARKETS

Woes at Italy’s Biggest Bank Reverberate in Europe

The ‘Last Bull’ in China’s Blue-Chip Market
NUMBER OF THE DAY
$60 billion
The approximate amount China has loaned to Venezuela. Now confronted with a pile of unpaid bills and increasing security headaches for its citizens and companies in Venezuela, China appears to be recalculating the alliance.
QUOTE OF THE DAY
It’s another way to get a little bit closer.
Emily Ortiz, 15 years old, on being among the hundreds who gathered in lower Manhattan Sunday morning to commemorate the 15th anniversary of the Sept. 11 terrorist attacks on the World Trade Center. Her father, Emilio Pete Ortiz, died in the north tower, where he worked.
TODAY'S QUESTION
Going back to our story above, what are your thoughts on how Islamic State’s communications have evolved? 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 Friday’s question on the Wells Fargo sales scam, C. Oleson of Hawaii wrote: “Wells Fargo—the bank—did not commit these frauds. People—employees—did. So where are the indictments of individuals?” Dan Carroll of Texas weighed in: “I haven’t seen any discussion of high level management being fired. The intense pressure for sales came from top management and has been in place for years. When senior management applies too much pressure, this is what they cause. Wells Fargo has been regarded as being well-managed, but, at least in regard to their sales culture, they were terribly wrong.” And Karin Bonding of Virginia commented: “Ethical behavior’s worst enemy is performance goals. Clearly managers knowingly set performance goals for their employees which could only be reached by unethical and at times illegal actions.”
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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Copyright 2016 Dow Jones & Company, Inc. All Rights Reserved.   

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