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

The Wall Street Journal
Good morning,
Open Season
Moving toward its third year of full implementation, the Affordable Care Act’s strains are showing as the law starts to transform the insurance industry. This enrollment season will be a challenge: The Obama administration and insurers are trying to lure holdouts who haven’t previously signed up for ACA coverage, even as premiums for many products appear set to rise sharply. Behind those increases is a tough business reality: While the industry’s total U.S. revenue has expanded, much of that growth has been unprofitable. The health law remade the individual market and insurers struggled to predict their costs. Now, insurers are recalibrating their approach for 2016, with changes visible at all levels of the industry.
Turkish Turnaround
Turkish President Recep Tayyip Erdogan’s political party staged a stunning comeback yesterday, winning over voters with its message that one-party rule is the only way to fight a two-front war with Islamic State extremists and Kurdish militants. Less than six months after losing the majority it had held for 13 years, the Islamist Justice and Development Party—which has steadily rolled back much of the staunchly secular state in Turkey during its rule—regained sole control of parliament amid a deteriorating security situation that made terrorism a top concern for voters. The victory gives the president new clout in seeking concessions from Western allies who have asked him to play a bigger role in fighting Islamic State militants and choking off the flow of Middle Eastern refugees pouring into Europe. Angry Kurds clashed with police in response to the election results.
Nuclear Mess
A U.S. Energy Department funding shortfall has stymied a massive cleanup of dirty and decaying structures where weapons work and other federal nuclear activities were carried out. Wrestling with reduced budgets and tens of billions of dollars in ballooning cost estimates, the Energy Department isn’t accepting any more projects for now, meaning some of the nation’s toughest challenges are on the back burner, possibly for decades. Provisions directing the administration to address the issue were included in Congress’s 2016 defense bill, vetoed by President Barack Obama earlier this month. The Energy Department budget is split in a tug of war between cleanup and maintaining the country’s atomic arsenal. An increasing portion is going toward ensuring the readiness of the weapons arsenal, an Obama administration priority.
Call Me Maybe
One company wishes you would pick up the phone more often. Zappos, which sells shoes, lists its number on every page of its website. Many new-economy companies favor the opposite approach, calculating that the best way to save money on customer service is to discourage you from using it. Some offer chat systems and email instead of dedicated phone lines, arguing that people just don’t want to talk to customer-service reps anymore. While it’s easier for startups growing at an exponential pace to acquire new customers than to worry about those who might be alienated by a lack of customer service, they are also acutely aware that, in the age of social media, any customer-service interaction, good or bad, can go viral.
Peaceful Opposition
That Was Painless
Myanmar’s opposition leader Aung San Suu Kyi held her biggest rally yet in the country’s largest city, calling on her supporters to maintain peace and order in the run-up to closely watched elections on Nov. 8.

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Alaska Weighs Curtailing Oil-Tax Perk
$103 billion
The value of U.S. bond sales by companies with good credit ratings in October, a record for the month. The bond market is booming again, a sign of investors’ faith in the resilience of the U.S. economy.
“We won’t bring immigration legislation with a president we cannot trust on this issue.”
Rep. Paul Ryan, just days into his tenure as House speaker, ruled out for now prospects for sweeping changes in U.S. immigration laws, making good on promises he made to conservatives while running for his new job.
Going back to our story above, what are your thoughts on how new-economy companies approach customer service? Send your comments, which we may edit before publication, to Please include your name and location.
—Compiled by Margaret Rawson
Responding to Friday’s question about American companies pursuing takeover deals to lessen their tax burdens, Dennis Martenson of Minnesota commented that “We all benefit from living in the U.S. and our corporations should also have benefits from being headquartered in the U.S. However, U.S. corporations with large international operations are being penalized by our current corporate tax system.” From Connecticut, John Segal observed that “not only is the corporate income tax a folly but eliminating it is the key to U.S. income tax reform.” James J. Hyland weighed in from Wisconsin that current corporate tax policy “seems a bit of a dichotomy — we have the government advocating for a more global business environment through agreements like Nafta and TPP while maintaining regulatory policies that negatively impact U.S. businesses. Want to stop inversions? Lower the corporate tax rate.” Mike Reinig of Missouri wrote that “we continually hear how the U.S. government will not be able to support programs such as Social Security and Medicare long-term. With the swipe of a pen (by U.S. politicians) billions of taxes would be paid to the government by these tax-evading corporations that could be used to fund these ‘so-called’ under-funded programs and reduce the tax burden on every U.S. tax-paying citizen.” And Jay Davidson of Colorado wrote, “When the establishment sees an issue, their only solution is to enact additional laws, to try to hammer private entities into submission. It won’t be effective, nor should it. Rather, the nation should look to the source of the problem and address the corporate tax rate itself and a regulatory environment that inhibits private investment and business growth.”
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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