Historical Trends and an International Vaccination Policy Comparison Prepared October 2026 — ConsultJY Research Brief Executive Summary Before the chickenpox (varicella) vaccine was introduced in the United States in 1995, the disease caused roughly 4 million infections, 11,000 hospitalizations, and up to 150 deaths every year. A single-dose vaccination program cut that burden dramatically —…
If you last shopped for a car a few years ago, the math has shifted under your feet. Loan payments have hit a record high, lease deals look more competitive than ever, and one of the biggest reasons people leaned toward leasing EVs quietly disappeared last fall. Here’s what’s actually different this year. The headline…
Mortgage rates have had a bumpy 2026. They dipped to a low of around 6.09% earlier in the year, then climbed back up — the national average 30-year fixed refinance rate sat close to 6.9% by late summer. So is refinancing still worth considering, or did the window already close? The honest answer: it depends…
Here’s a scenario that catches a lot of car buyers off guard: you sign one credit application at the dealership, and a few weeks later you notice five or six new hard inquiries on your credit report — not one. What happened? The “spray and pray” approach If you don’t qualify for a manufacturer’s advertised…
Where rates stand right now The Fed: On September 16, the FOMC raised the federal funds rate a quarter point to 3.75%–4.00%, the first hike since July 2023 and the first under Chair Kevin Warsh, on a 12–0 vote. Warsh said the labor market was healthy but inflation had stayed above target for more than…
If you’ve been wondering just how far electric vehicles have come, the answer depends entirely on where you’re standing. In some countries, gas-powered cars are basically an endangered species. In others, EVs still make up a small sliver of what’s rolling off dealer lots. Here’s a snapshot of where things stand right now. The quick…
Why this is the fall to go There is a short stretch each year when whole mountainsides turn red, orange and gold, and 2026 is shaping up to be a good one. After a snowy winter and timely summer rains, forests across much of the Northeast are well watered and full. Forecasters expect a big…
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