Senators who have accepted millions in campaign contributions from the financial industry voted against allowing bankruptcy judges to modify home mortgages.
With record numbers of foreclosures looming, consumer advocates have been hoping Congress would make it easier for people in bankruptcy to have their home mortgages modified. When you declare bankruptcy, you go into federal court and formally admit that you can no longer pay your debts. A judge then takes over to broker agreements between you and the people or businesses you owe. Federal or state laws can govern the bankruptcy process, and rules differ by state. But under federal rules, judges can't change the terms of a home mortgage. They can, however, modify the terms of any mortgage that is not a primary residence, such as vacation homes. Critics of the rule say it is unfair to people of more modest means, and that the rules should allow judges to lower the principal, cut interest rates or extend the terms of repayment. Measures allowing these things are known as cramdown legislation, because they typically force the lender to reduce the debt. The financial industry has opposed the measure because they say it will cost the banks money, and they will be required to raise interest rates on new mortgage customers. The Senate voted against cramdown legislation on April 30, 2009, killing an amendment on a 45-51 vote. President Barack Obama supported the legislation. The liberal advocacy group MoveOn.org has created advertisements targeting seven Democratic senators who voted against the legislation, which it calls commonsense bankruptcy reform. The ads are virtually identical. Here's the script for the ad about Sen. Arlen Specter of Pennsylvania. (Specter recently switched parties and was a Democrat at the time of the vote.) Last week, Sen. Specter had a choice. Wall Street was trying to kill the president's proposal to help families facing foreclosure. Sen. Specter could side with the banks, or with Pennsylvania families. Sen. Specter has taken close to $6 million from the financial industry. So what did he do? Exactly what the banks wanted. And now millions of people will lose their homes because of it. Tell Sen. Specter to stand up for us  not the banks. We wanted to check MoveOn's math about what the senators had collected from the financial industry. We turned to the nonpartisan Center for Responsive Politics, which analyzes campaign contributions. Here's the list of senators that MoveOn targeted, what MoveOn said they raised from the financial industry, and what the Center for Responsive Politics showed:  Sen. Arlen Specter, D-Pa.  close to $6 million  career total: $5,753,310  Sen. Tim Johnson, D-S.D. close to $3 million  career total: $3,020,966  Sen. Ben Nelson, D.-Neb. close to $3 million  career total: $2,667,406  Sen. Tom Carper, D-Del. close to $2 million  career total: $2,160,628  Sen. Blanche Lincoln, D-Ark. close to $2 million  career total: $1,671,292  Sen. Mary Landrieu, D-La. close to $2 million  career total: $2,399,134  Sen. Mark Pryor, D. Ark. close to $1 million  career total: $1,321,948 The category is for Finance, Insurance and Real Estate, and that includes the following types of businesses: commercial banks, savings and loans, credit unions, finance/credit companies, securities and investment, venture capital, hedge funds, private equity and investment firms, insurance, real estate, mortgage bankers and brokers, and accountants. We should note here that five other Democrats voted against the measure but were not targeted by MoveOn. A representative for MoveOn told us that those senators had either accepted less money from the financial industry or had a better overall voting record on MoveOn's core issues. Those senators included: Sen. Max Baucus, D-Mont. ; Sen. Michael Bennet, D-Colo.; Sen. Robert Byrd, D-W.Va.; Sen. Byron Dorgan, D-N.D.; and Sen. Jon Tester, D-Mont. Getting back to the ads, MoveOn says the senators voted with Wall Street and the banks after accepting campaign contributions from them. We can't say if there is a cause and effect, but MoveOn is right about how the senators voted. MoveOn approximates numbers for the campaign contributions  and clearly labels them approximations  and those numbers closely track the actual data from the Center for Responsive Politics. We rule MoveOn's collective statement that senators accepted millions in campaign contributions and voted against cramdown legislation as True.
In November 2021, rumors claiming that an unusual number of athletes had fainted or collapsed in the last year were widely circulated online. These rumors were often accompanied by fear-mongering captions that warned people against receiving COVID-19 vaccines. One video, for example, was accompanied by messages such as "Not normal ... Boost at your own [peril]," "#ATHLETES IN ALL SPORTS ARE DROPPING DEAD AND THE MASTERS FORCE VACCINES ON US ALL," and "Vaccines dropping them daily. Sick world." Not normal ... Boost at your own [peril] #ATHLETES IN ALL SPORTS ARE DROPPING DEAD AND THE MASTERS FORCE VACCINES ON US ALL Vaccines dropping them daily. Sick world This video does not show vaccine injuries or people fainting due to the COVID-19 vaccine. While this video shows real incidents from 2021, none of these incidents has been connected to the COVID-19 vaccine, other plausible explanations (such as dehydration or heat exhaustion) have been offered for these incidents, and a few of the clips in this video show athletes who were not vaccinated. There is no evidence that the COVID-19 vaccine has resulted in an increase in fainting incidents. The above-displayed video features seven fainting incidents. We've been able to source six of the seven clips. None of the fainting incidents we were able to find more information on were caused by the COVID-19 vaccine. Here's what these clips show, starting with the first one:   The first clip shows Denmark's Christian Eriksen collapsing during the Euro 2020 in June 2021 after suffering a cardiac arrest. While this incident has been used by anti-vaxxers to stir up fear over the COVID-19 vaccine, Eriksen was not vaccinated. Inter Milan team director Giuseppe Marotta said: "He didn't have COVID and wasn't vaccinated either." Giuseppe Marotta said   The second clip shows Chinelle Henry and Chedean Nation, two West Indies cricket players who fainted during a match in July 2021. While both players were taken off the field in stretchers, neither required hospitalization.; While an exact cause for this incident was not given, labeling this a vaccine injury is pure speculation. Furthermore, both players returned to the field a few days later to compete. returned to the field Both players had collapsed on the field in separate incidents during the second T20I on Friday, but were back with the team on Sunday, the day of the third game. In separate messages posted on Twitter, both said they didn't have any hospital stay or restrictions imposed on them. "I just want to thank you guys for all your concern and well wishes, and I am doing well. No hospital stay, no restrictions. Now I'm just focused on going out there and getting the series 3-nil," Henry said.   The third clip shows Moussa Dembele, a striker for Atletico Madrid, who collapsed during training in March 2021. Diario AS reported that Dembele fainted after a "sudden drop in blood pressure" but that there were no other complications. Dembele was not hospitalized and after being examined by the team's doctors drove his own car home from the field. There's no evidence that this incident was related to a COVID-19 vaccine. It's worth noting, however, that Dembele tested positive for COVID-19 a month before this incident. Goal.com reported: Goal.com reported The former Lyon forward is the fourth player with the Liga leaders to have to self-isolate, and could miss the Champions League clash with Chelsea Atletico Madrid have received their second coronavirus blow in as many days after striker Moussa Dembele tested positive, following team-mate Joao Felix.   The fourth clip shows Jack Draper, a young British tennis player, suffering from a bout of heat exhaustion at the Miami Open in March 2021. As was the case with Dembele above, it's possible that COVID-19, not a COVID-19 vaccine, contributed to this medical episode. Draper said that he was diagnosed with coronavirus in January and that the lingering effects of the disease, in addition to the heat, may have contributed to his collapse. Draper said: Draper said "I was out for two weeks with COVID in January ... I didn't move a muscle and that was after pre-season as well, so I put in a really good pre-season and then I didn't play so it's been a rough start to the year [...] I got it, it's obviously an extremely aggressive virus and you can catch it from anywhere, but I got it and it did affect me quite badly for seven days. I had bad symptoms and then I recovered pretty quickly from there, but it definitely had an effect on me. I've put in loads of great training since then, so it's no excuse, but did it have an effect on me at the time? Probably. With a lot of these things you don't know how much it really affects you."   The fifth clip in this video is the one we know the least about. It doesn't appear to be a professional badminton event. Rather, this clip appears to come from a security camera at a recreational facility. Project Comprova, a collaboration of more than a dozen news outlets around Brazil, found that this video was likely shot somewhere in Malaysia. Little is known about this incident at the time, however, so we can't say exactly what happened here. What we can say, however, is that those claiming that this shows a "vaccine injury" are doing so without evidence. Project Comprova The sixth clip shows Charles Bulu, a Ghanaian referee, collapsing in March 2021 during the final minutes of an Africa Cup match between Cote d'Ivoire and Ethiopia. Goal.com reported that Bulu was initially appointed as the fourth official, but had to step in as the main referee after a colleague tested positive for COVID-19. Goal.com reported Bulu, who was treated at a hospital according to theGhana Football Association, told the Daily Graphic, a Ghanaian newspaper, that the incident was related to a poor diet, a lack of sleep, dehydration, and excessive heat: Ghana Football Association, I didn't eat quite well both at breakfast and lunch, hoping that I would rather take in some banana just before the game, only to arrive at the Match Officials' dressing room to realise that no such provision had been made, despite we requesting for it. [...] I could not take in as much water as my body needed and with the heat and intensity of the game, I began feeling dehydrated by the 68th minute, but unfortunately, there was no Fourth Referee to step in. I was hoping I could hold on till the next water break which was around the 75th minute, but before then I just blacked out. The final clip in this video compilation shows Bert Smith as he collapsed during a March Madness game in April 2021. Smith was taken off the floor on a stretcher but he didn't require immediate hospitalization. Hours later, as a precaution, Smith decided to visit a hospital, fearing that he may have a concussion. While smith did not have a concussion, the doctors did find that he had a blood clot. The Indy Star reported that Smith was put on blood thinners and was released a few days later. It's unclear what caused the blood clot, but Smith did test positive for COVID-19 a few months earlier. reported Smith was admitted into Methodist and put on blood thinners. Two days later, clot gone, he was discharged. Where did it come from? Nobody can say. Smith tested positive for the coronavirus in August, but doctors can't say whether there's a correlation between COVID-19 and his blood clot. An athlete fainting is not a particularly rare occurrence. According to The Athletic, a player faints on the football pitch every four days. But is the problem getting worse due to COVID-19? player faints on the football pitch every four days While the above-displayed video does not show athletes who fainted or collapsed from the COVID-19 vaccine, it does show various athletes fainting in 2021. There's not enough evidence to say whether or not fainting incidents are becoming more common due to the pandemic, but here are a few things to consider. First, people infected by COVID-19 mayexperience "long Covid," or lingering symptoms from the disease after the initial infection subsides. These symptoms may include shortness of breath, fatigue, and heart palpitations. Second, one of the rare side effects of the COVID-19 vaccine is Myocarditis, an inflammation of the heart muscle. The Medicines and Healthcare products Regulatory Agency (MHRA), the British regulator for drugs and vaccines, told Reuters that this is a rare side effect and its symptoms are often mild. symptoms may include shortness "Myocarditis or pericarditis remains a very rare potential risk with the Pfizer and Moderna vaccines, and the events reported are typically mild with individuals usually recovering within a short time with standard treatment and rest. The current evidence does not suggest that sporting exercise is a contributing risk for these very rare events." Dr Sonya Babu-Narayan, associate medical director at the British Heart Foundation, told the Telegraph that athletes diagnosed with COVID-19 are at a greater risk of having a heart condition than those who get the COVID-19 vaccine: Telegraph "Whilst vaccine induced myocarditis has been reported in children and young adults following the Pfizer and Moderna vaccines, it's actually quite rare ... The risk of myocarditis, myocarditis-type injury to the heart, or other cardiovascular complications is much greater if you get Covid-19. That's why it's important to avoid Covid-19, and the best way to do that is to stay up-to-date with your vaccine doses. At the moment, there's not enough evidence to suggest any connection between COVID-19, or COVID-19 vaccines, and an increase in fainting incidents. When Reuters asked FIFA about this rumor, the soccer organization said that it was not "aware of a rise in episodes of cardiac arrests" and that there had not been any cases "flagged in relation to individuals receiving a COVID vaccine." Snopes is still fighting an infodemic of rumors and misinformation surrounding the COVID-19 pandemic, and you can help. Find out what we've learned and how to inoculate yourself against COVID-19 misinformation. Read the latest fact checks about the vaccines. Submit any questionable rumors and advice you encounter. Become a Founding Member to help us hire more fact-checkers. And, please, follow the CDC or WHO for guidance on protecting your community from the disease.  fighting Find out Read Submit Become a Founding Member CDC WHO Association, Ghana Football. Public Announcement: Referee Charles Bulu Is Doing Well. https://www.ghanafa.org/public-announcement-referee-charles-bulu-is-doing-well. Accessed 30 Nov. 2021. "British Teenager Jack Draper Collapses with Apparent Heat Exhaustion at Miami Open." Sky Sports, https://www.skysports.com/tennis/news/12110/12256229/british-teenager-jack-draper-collapses-with-apparent-heat-exhaustion-at-miami-open. Accessed 30 Nov. 2021. Charles Bulu: Referee in Stable Condition after Collapsing during Cote d'Ivoire versus Ethiopia Match | Goal.Com. https://www.goal.com/en/news/charles-bulu-fifa-referee-in-stable-condition-after/140om1o7bbfd41r6tnuue97tra. Accessed 30 Nov. 2021. ---. https://www.goal.com/en/news/charles-bulu-fifa-referee-in-stable-condition-after/140om1o7bbfd41r6tnuue97tra. Accessed 30 Nov. 2021. "Chinelle Henry, Chedean Nation Taken to Hospital after Collapsing during West Indies-Pakistan Women's T20I." ESPNcricinfo, https://www.espncricinfo.com/story/wi-vs-pak-2nd-women-s-t20-chinelle-henry-chedean-nation-taken-to-hospital-after-collapsing-during-match-1268505. Accessed 30 Nov. 2021. "Dembl sufre un desmayo durante el entrenamiento." AS.com, 23 Mar. 2021, https://as.com/futbol/2021/03/23/primera/1616520284_574257.html. "Fact Check-No Evidence COVID-19 Vaccines Are Linked to Athletes Collapsing or Dying from Myocarditis." Reuters, 29 Nov. 2021. www.reuters.com, https://www.reuters.com/article/factcheck-coronavirus-sport-idUSL1N2SK160. "---." Reuters, 29 Nov. 2021. www.reuters.com, https://www.reuters.com/article/factcheck-coronavirus-sport-idUSL1N2SK160. "I'm Fully Fit and Back on Duty  Referee Bulu." Graphic Online, https://www.graphic.com.gh/sports/sports-news/i-m-fully-fit-and-back-on-duty-referee-bulu.html. Accessed 30 Nov. 2021. "Inter Director Says Eriksen Did Not Have COVID and Was Not Vaccinated." Reuters, 13 June 2021, https://www.reuters.com/lifestyle/sports/eriksens-former-cardiologist-says-he-had-no-history-heart-concerns-2021-06-13/. Millar, Colin. "Moussa Dembele Returns to Atletico Madrid Training Days after Collapsing." Football Espana, 26 Mar. 2021, https://www.football-espana.net/2021/03/26/moussa-dembele-returns-to-atletico-madrid-training-days-after-collapsing. Morgan, Tom. "Covid a More Likely Cause of Surge in Footballers Collapsing with Heart Problems than Vaccines, Scientists Believe." The Telegraph, 26 Nov. 2021. www.telegraph.co.uk, https://www.telegraph.co.uk/football/2021/11/26/scientists-rebuff-irresponsible-claims-pundits-say-covid-likely/. "Moussa Dembele: Atletico Madrid Striker Collapses in Training and Requires Medical Attention." Sky Sports, https://www.skysports.com/football/news/11838/12254909/moussa-dembele-atletico-madrid-striker-collapses-in-training-and-requires-medical-attention. Accessed 30 Nov. 2021. "No h relao entre casos de mal sbito em atletas e vacinas contra covid." Projeto Comprova, https://projetocomprova.com.br/publicaes/nao-ha-relacao-entre-casos-de-mal-subito-em-atletas-e-vacinas-contra-covid/. Accessed 30 Nov. 2021. "---." Estado Verifica, https://politica.estadao.com.br/blogs/estadao-verifica/atletas-mal-subito-vacina/. Accessed 30 Nov. 2021. "NCAA Tournament Referee Who Collapsed during Elite Eight Game Says Medical Incident Saved His Life." CBSSports.Com, https://www.cbssports.com/college-basketball/news/ncaa-tournament-referee-who-collapsed-during-elite-eight-game-says-medical-incident-saved-his-life/. Accessed 30 Nov. 2021. "Referee Bert Smith's Fall in Men's NCAA Tournament Game Didn't Kill Him. It Saved His Life." Indianapolis Star, https://www.usatoday.com/story/sports/ncaab/2021/04/09/ncaa-tournament-referee-bert-smith-collapse-game-saved-life/7148461002/. Accessed 30 Nov. 2021. Taylor, Daniel. "A Man Collapses on a Football Pitch Once Every Four Days. Is the Threat of Cardiac Arrest Getting Worse?" The Athletic, https://theathletic.com/2963733/2021/11/19/someone-collapses-football-pitch-every-four-days/. Accessed 30 Nov. 2021. On Feb. 28, 2021, former U.S. President Donald Trump gave a speech at the Conservative Political Action Conference (CPAC), marking his first major appearance since vacating the White House roughly six weeks earlier. Conservative Political Action Conference Afterwards, some viewers interpreted his remarks to include an announcement of a 2024 presidential campaign following his loss to Democratic U.S. President Joe Biden in 2020. following   Overall, Trump's roughly 95-minute speech in Florida attacked Republicans who strayed from his political agenda, criticized Biden's first few weeks in office, and perpetuated lies about the November 2020 election. 2020 election Specifically, Trump attempted to convince the crowd that his opponents coordinated an illicit scheme to push him out of the White House  when, in reality, Biden secured the job because more Americans in battleground states voted for him instead of Trump. And mixed with the lies and vitriol were remarks that teased the possibility of a 2024 Trump presidential campaign. For example, after about 16 minutes on stage, the former president said, according to CSPAN's video recording and a transcript of the event: CSPAN's video recording transcript "I may even decide to beat [Democrats] for a third time. Okay? For a third time." At other points, he pointed to Biden's track record as alleged evidence of Americans' voting for a Republican candidate next election. And I wonder who that will be, he said. Who, who, who will that be? I wonder. Shortly after the speech, Trump told a reporter with Newsmax, a media outlet popular among his supporters, that while he doubts anyone could beat him if he decided to launch a presidential campaign again, "I haven't decided to do that." with Newsmax   In other words, Trump did not use the CPAC stage -- nor any other platform -- to announce plans to run in 2024, as of this writing. And in at least one interview he confirmed that he had not made up his mind on whether to place another bid for the White House. Furthermore, no email to supporters soliciting donations, merchandise on TrumpStore.com, or page on his official website said he was running again or advertised "Trump 2024" products. (Other retailers are selling such items, similarly to how his supporters are sporting "Patriot Party" memorabilia even though the Trump campaign attempted to distance itself from the name.) official website retailers Patriot Party distance In sum, while his statements at the conference purposefully left the door open to the possibility of a 2024 Trump campaign, Trump did not officially announce one. For that reason, we rate this claim In July 2015, many online viewers were intrigued by a meme reporting that Brian May, the lead guitarist for the band Queen, is also an astrophysicist.  While Brian May's educational history is certainly no secret, interest in the rock legend's other life as an astrophysicist was renewed when the musician visited the team behind NASA's New Horizons interplanetary space probe to discuss results from the probe's recent fly-by of Pluto: visited New Horizons  As lead guitarist for the legendary rock group Queen, Brian May has spent an entire career in the spotlight. But May traded the music for his other passion  science  and spent some time backstage with the New Horizons team as it dived into the first results from the Pluto flyby. May, who has a doctorate in astrophysics, was awed by the opportunity to meet the team and sift through images and other Pluto system data in real time. And he'll have other opportunities down the road, as mission principal investigator Alan Stern added May as a New Horizons science collaborator. May also wrote about his time with the New Horizon's team in a blog post  on his web site dated 20 July 2015: blog post  I had an unforgettable 3 days with the amazing New Horizons team. Im still 'coming down. Alan Stern, leader of the Science Team at APL in Laurel, Maryland, personally made sure I was treated like one of the family, as a collaborator, and I felt privileged to the nth degree. I was, of course, as always, obsessed with finding stereoscopic opportunities while I was there, and the Gods of the Underworld must have been with me, because I was there when the first 2 by 2 mosaic full-planet picture was downloaded from the probe, and assembled into exactly the required highish res partner to the iconic last-look photo which preceded the final fly-by. Baseline must be a few hundred thousand miles, but Ill need to check that. Of course the New Horizons guys were already doing serious science on this image as it arrived, but I was able to assemble the two images to make the most satisfying stereo view I can ever remember making. I got some help making some prints on site, so I was able to show this 3-D to the entire team through the lenses of some OWLS I took over. So this is definitely the first REAL high quality stereo image of Pluto in history. And we can say its officially NH approved ! No fiddling this time. The right image is the last-look photo from 15th July, and the left image is the two-by-two downloaded from NH on the 17th. All I did was fine-adjust the orientations to match up, and match up the colouring by eye.  According to May's official biography, he was working toward his PhD in astrophysics when he put his education on hold to go on tour with Queen after the group's "popularity first exploded." In 2007, more than 30 years after May left school to pursue a career as a musician, he turned in his 48,000-word thesis for the Imperial College, London: biography thesis It's been the longest gap year ever. It was a tough decision back then to leave my studies for music. I'm so proud to be here today. Astronomy has always interested me. I used to love sitting at home and watching Sir Patrick Moore on the Sky at Night." https://youtu.be/E-zurr9PHKg In terms of educated rock guitarists, music fans may also recall that Tom Scholz, founder of the popular band Boston, holds a master's degree in mechanical engineering from the Massachusetts Institute of Technology and worked for Polaroid Corporation as a senior product design engineer prior to hitting it big in the music world. Tom Scholz The names "Nakotami Plaza" and "Sgt. Al Powell" may ring a bell to those familiar with 1980s action films, but for those not in the know the following meme may have proved a tad confusing.   The meme reads: "This is Sgt. Al Powell. He was integral in stopping a terrorist attack in Los Angeles at Nakatomi Plaza on Christmas in 1988. How many of you will share to honor his heroism?" meme   Was there really a terrorist attack at Nakatomi Plaza over Christmas in 1988? Was Sgt. Powell really responsible for thwarting that attempted act of evil? Well, not really, unless you incorrectly insist that the 1988 action flick Die Hard was a documentary. The text of this meme refers to the plot of the 1988 movie starring Bruce Willis in which actor Reginald VelJohnson played Sgt. Al Powell, a beat cop who helped John McClane (Willis' character) take down terrorists holding a group of people hostage at Nakatomi Plaza. Here's a clip from the movie featuring both Sgt. Al Powell and John McClane (WARNING: movie violence):  While this meme was certainly made in jest, it was also apparently made in a rush. The included photograph which supposedly shows Sgt. Al Powell from Die Hard actually pictures  Carl Winslow from the television show Family Matters. Both characters were played by Reginald VelJohnson. Carl Winslow This isn't the first time that a piece of pop culture has been repurposed as jape to spread misinformation on the internet. In May 2016 we investigated an image supposedly picturing a group of Vietnam soldiers only to find that the photograph showed the cast of the movie Tropic Thunder. image On 12 February 1993 two-year-old James Bulger was brutally murdered by Jonathan (Jon) Venables (10) and Robert (Bobbie) Thompson (10) in Liverpool, England.  Example: On February 12, 1993 a small boy who was to turn three in March was taken from a shopping mall in Liverpool by two 10 year old boys. Jamie Bolger walked away from his mother for only a second and Jon Venables took his hand and led him out of the mall with his friend Robert Thompson.  They took Jamie on a walk for over 2 and a half miles, along the way stopping every now and again to torture the poor little boy who was crying constantly for his mommy. Finally they stopped at a railway track where they brutally kicked him and threw stones at him and rubbed paint in his eyes and pushed batteries up his anus. They then left his beaten small body on the tracks so a train could run him over to hide the mess they had created.  These two boys, even being boys, understood what they did was wrong, hence trying to make it look like an accident. This week Lady Justice Butler-Sloss has awarded the two boys anonymity for the rest of their lives when they leave custody with new identities.  We cannot let this happen. They will also leave early this year only serving just over half of their sentence. One paper even stated that Robert may go on to University.   They are getting away with their crime. They need to pay, and we have to do something to make them pay for their horrific crime. They took Jamie's life violently away, and in return they get a new life. Please add your name and location to the list and forward to friends and family. Please copy this email instead of forwarding so we do not get > at the beginning of sentances.  If you are the 200th person to sign please forward this email to st.ser.cs@gtnet.gov.uk attentioning it to Lady Justice Butler-Sloss. Then start the list over again and sent to your friends and family.  The Love-Bug virus took less that 72 hours to reach the world. I hope this does too. We need to protect our family and friends from creatures like Robert and Jon. One day they may be living next to your and your small children without your knowledge. If Robert and Jon could be so evil at 10, imagine what they could do as adults? With only one exception (the batteries in the victim's anus  they went into his mouth) the details of the crime as outlined in the e-mail are accurate. The boy was taken from a shopping mall while there with his mother. (A video surveillance camera captured footage of the two killers leading James away.) The child was brutalized as he was forced to walk along with the boys. (Witnesses later reported seeing the boys dragging, pushing, and carrying the weeping-two-year old during a disjointed journey through the streets of Liverpool.) And they did kill him in the manner described, albeit more brutally than even the text of the e-petition lets on. Two days after the murder, James' remains were found on a lonely stretch of railroad track. He was naked from the waist down  his shoes, socks, trousers, and underpants had been taken off. His penis had been manipulated by his abductors, but he had not been anally penetrated (by batteries or anything else). He'd been beaten to death with rocks, bricks, and an iron bar. As the boys hammered at him, they splattered him with model airplane paint stolen days earlier. Once he was dead, his killers laid him on the tracks, and his body was cut in two by a passing train. (The killers hoped to hide their crime by having it mistaken for an accidental death of a young child who'd foolishly played on the tracks.)  Venables and Thompson were taken into custody a few days later. Each sought to blame the other for the killing, but both eventually confessed. They were tried, found guilty of murder, sentenced, and placed in separate detention homes. The killers have not seen each other since the trial. All this is true. And horrifying. Yet even so, there's no point in signing the petition or urging others to. Beyond all the usual problems with e-petitions, one issue specific to this case rules against the utility of such a plan: the situation being decried is already a done deal. On 8 January 2001, the High Court of England guaranteed both Venables and Thompson lifelong anonymity plus an unprecedented open-ended injunction barring any publicity about them. Each of these young men were released in June 2001 when they were 18. The e-mail states that two killers "will also leave early this year only serving just over half of their sentence." That statement is false. Although there is no theoretical maximum length of sentence imposed, a minimum sentence of 8 years had been set. And that 8-year minimum was satisfied. The boys were detained "at Her Majesty's pleasure" (without a maximum fixed term). Her Majesty's Pleasure (HMP) sentences are imposed only in cases of murder and manslaughter committed by children under 18. In these cases, the judge sets a tariff (minimum term, defined as the period required for retribution and deterrence). Once the tariff has been satisfied, the prisoner is assessed on the basis of the likely risk he will pose to the outside community. Therefore, a killer sentenced to such a term is eligible for release once the tariff has been served, provided he does not impress the court as posing a danger to society. The judge at Venables' and Thompson's November 1993 trial set an 8-year tariff. In early 1994, Lord Taylor, then Lord Chief Justice, recommended increasing this minimum to 10 years. Michael Howard, Home Secretary, imposed a 15-year sentence on Venables and Thompson in July 1994, but his actions were ruled unlawful by the High Court, and the Court of Appeals in 1996, and struck down. Lord Woolf, the current Lord Chief Justice, ruled in 2000 that the killers' tariff was 8 years, a term that was reached on 21 February 2001. Venables' and Thompson's sentences were thus 8 years each, and they have been served. Had the sentences unlawfully imposed by Michael Howard been upheld, then the e-petition's claim about the killers' only having served "half their sentences" would be relevant. The anonymity guarantee and publication ban were set in place by Dame Elizabeth Butler-Sloss, president of the High Court's Family Division. She was convinced the pair would be genuinely at risk if their identities and locations were disclosed, hence her ruling. "Although the crime of these two young men was especially heinous, they have the right of all citizens to the protection of the law." She said people other than James Bulger's family "continue to feel such hatred and revulsion at the shocking crime and a desire for revenge that some at least of them might well engage in vigilante or revenge attacks." She may well have been right, especially in light of threats received. Dame Butler-Sloss banned the media from publishing any information leading to the identification or disclosure of whereabouts of Venables or Thompson, including photographs and descriptions of their appearance. She also banned, for 12 months, publication of information about their eight-year stay in local authority secure units. Even after that, confidential information relating to their treatment and therapy cannot be published.  The judge admitted she was aware the injunctions she imposed might not be fully effective outside England and Wales. She banned the domestic media from giving wider circulation to material from the Internet or media elsewhere if it was likely to breach the injunction.  Was it right for Venables and Thompson be protected from the public? Some said yes, that otherwise they'd have been torn limb from limb (and that would render society no better than those it would prosecute for such crimes), or that children (which the defendants were at the time of the Bulger murder) should not be held accountable for a crime  even a heinous one  in the same manner that we hold adults. Others said no, that the public had a right to know where potentially dangerous felons are, and others on that side of the fence laid claim to there being some crimes which cannot fully be expiated by time served. Jon Venables' reprieve from incarceration proved to be temporary when he violated the terms of his release by downloading and distributing indecent images of children and was returned to jail in March 2010. In July 2013 the U.K. parole board confirmed that Venables had been granted parole for a second time, although that body declined to provide details about when he would be released. In June 2006 the following related item began circulating: Hello friends I am just so angry, frustrated and really upset at what has happened at the Livingston Shopping Centre that I needed to let you all know the "truth" behind the mongrel murderer. About 3 yrs ago when I was working at the prison we found out that one of the boys (at the time aged about 12) that abducted James Bulger from a shopping centre in the U.K., then brutally raped and murdered him, had reached the age of 18 and had been sent out to Australia with a new identity for his family, etc. Long story short is that he was given the name of Dante Arthurs, his grandfather's name is Arthur Dante, and his family moved into a house in Canning Vale. When the prison staff got wind of this it was all supposed to be kept hushed up, it was some sort of prisoner exchange deal the Aust Govt set up. Soon after he got here he assaulted a 12 yrd old girl in a park in Canning Vale and consequently came to Hakea prison but for only about 6 weeks as they couldn't get enough evidence on him and the incident was brushed under the mat. His parents used to visit him and their photos were on the computers at work and I clearly recall seeing his mum at the Livingston shops one day. I even had his address and because I've got friends and family in the area, I felt I had a right to tell them, stuff the prisons!! I had even driven past his house in Lakeview Rise estate in Canning Vale! Anyway when this happened yesterday I said to Ron, it'd be interesting to see if it's that Dante Arthurs guy from the U.K. and sure enough today we find out that it is him. I am, along with a lot of others, absolutely furious that the mongrel arsehole was allowed to come here via the Govt in the first place and that he was allowed to appear to live a normal life!! Why haven't the police done something about this - he should not be allowed to breathe air, he is the scum of the earth. And tonight he would be sitting back in a comfortable cell in prison, having just had a reasonable hot dinner and be watching TV! That innocent little girl and her poor family will never ever be the same again - all because the piss weak Justice System and Govt allowed him to live in our country! There is a register for paedophiles so that the community are allowed to know where they're living and yet this piece of shit can live on our back door step with a new identity. People winge about illegal immigrants, what about this? It will be interesting to see what unfolds over the next few days, but I wouldn't be at all surprised if he's whisked out of the country in the same manner he was bought here, then again knowing our pathetic laws, we'll probably keep him here in our justice system, costing tax payers hundreds of thousands of dollars to feed and entertain him PLUS the do-gooders will believe in their minds that they can rehabilitate him! I was just going to type "sorry " but I'm not at all sorry for alerting my friends to something that should be publicly known. Stay safe, talk soon. This message refers to the rape and murder of 8-year-old Sofia Rodrigez-Urrutia-Shu in a suburban shopping center restroom in Canning Vale, Australia, on 26 June 2006.  A 21-year-old man named Dante Wyndham Arthurs was arrested and charged in connection with that case, and the message reproduced above claims Arthurs was also one of Jamie Bulger's killers, renamed and relocated to Australia after having served out his sentence as a juvenile in England (even though both of the principals in the Bulger murder were then at least 23 years old).  The British High Commission and Australian police have denied any link between the Sofia Rodrigez-Urrutia-Shu and Jamie Bulger killings: murder denied The British High Commission has ruled out claims that a man charged over the rape and murder of a Perth schoolgirl was one of two notorious English child killers. Perth police also denied that Dante Wyndham Arthurs, 21, of the Perth suburb of Canning Vale, was one of the killers of British boy James Bulger.  Clive Hunton, of the British High Commission in Canberra, said there was "no connection between the man arrested in Western Australia and the individuals involved in the James Bulger case." Arthurs was remanded in custody after appearing in Perth Magistrates Court charged with wilful murder, sexual penetration of a child and deprivation of liberty. He was charged following the discovery of the body of Sofia Rodriguez-Urrutia-Shu on the floor of a shopping centre toilet. The fact that Dante Arthurs was born in Australia (and was not an English immigrant using an assumed identity) has been confirmed by both his birth notice and the doctor who delivered him.  Also, his fingerprints do not match up with those of Jonathan (Jon) Venables or Robert (Bobbie) Thompson, the murderers of James Bulger. The e-mailed rumor quoted above was presented as if it were written by a prison officer.  According to the  West Australian, that message is being investigated by Australian authorities: The Department of Corrective Services has confirmed that an investigation was under way into an email claiming to be from a prison officer which was sent to thousands of people across Australia. 'The email appears to have come from outside the department,' a spokeswoman said. Nonetheless, rumors persisted that Robert Thompson and Jon Venables were relocated to Australia, and in May 2008 Australian MP Liz Cunningham raised the issue of investigating whether the pair had been accepted by Queensland authorities.   In March 2010, the BBC reported that Jon Venables (then age 27) was back in prison for after having breached the terms of his release. Image caption: Denise Fergus, the mother of murdered two-year-old James Bulger,  attends a press conference to launch an appeal to raise funds for bullied children on March 14, 2008 in Liverpool, England. The Red Balloon learner Centre bearing James Bulger's name will be a sanctuary for bullied children.  Adshead, Gary and Sean Cowan.  "Birth Doctor Scoffs at Arthurs Rumours."
  The West Australian.  30 June 2006. Burrell, Ian.  "Bulger Killers Are Granted Right to a Life of Anonymity."
  The [London] Independent.  9 January 2001  (p. 1). Dyer, Clare.  "Bulger Killers Close to Release."
  Manchester Guardian Weekly.  8 November 2000  (p. 7). Gartrell, Adam.  "Bulger Link to Killing Denied."
  The Advertiser.  29 June 2006. Giles, Darrell.  "Robert Thompson and Jon Venables Mystery."
  The [Queensland] Courier-Mail.  4 May 2008. Lowrie, Margaret.  "Two Boys Found Guilty in Bulger Murder Trial."
  CNN.  24 November 1993  (News; International; 12:24 pm ET). Rice, Robert.  "Home Secretary 'Acted Unfairly.'"
  [London] Financial Times.  31 July 1996  (UK News Digest; p. 7). Seamark, Michael.  "How Can the Law Give Secret New Lives to My Son's Killers?"
  [London] Daily Mail.  9 January 2001  (p. 1). Sereny, Gitta.  "Re-Examining the Evidence."
  The [London] Independent.  6 February 1994  (Sunday Review; p. 4). Sereny, Gitta.  "Approaching the Truth."
  The [London] Independent.  13 February 1994  (Sunday Review; p. 5). Tibbetts, Graham.  "Evil Child Killers Set for New Identities."
  The Mirror.  22 January 2001  (p. 5). Associated Press.  "Notorious U.K. Child Killer Jon Venables to Be Paroled Again."
  CBSNews.com.  5 July 2013. BBC News.  "James Bulger Murderer Jon Venables Returned to Prison."
  2 March 2010. news.com.au.  "'Sombre' School Mourns Murdered Girl."
  28 June 2006. Native American tribes have beenamong the hardest hitby the coronavirus pandemic, and Joe Biden claims that President Donald Trump has not done enough to help. Donald Trump has failed to live up to our trust and treaty obligations to Native Americans,Biden told The Arizona RepublicMay 21. He took more than a month to allocate Congress emergency funding to tribes  and only did so after tribes sued. He has failed to provide tribes with adequate protective personal equipment and medical supplies. Its unacceptable. Indian treaty rightsrecognized and established rights, benefits, and conditions for tribes who agreed to cede millions of acres of land to the United States and to accept the United States protection. Under a trust responsibility legal principle, the United States federal government is obligated to ensure the survival and welfare of Indian tribes. Is Biden, the presumptive Democratic presidential nominee, right that it took more than a month for tribes to get funding allocated by Congress, and that it happened only after suing the Trump administration? The chronology lines up, but omits important context. The Treasury Department has argued that payments were delayed because it is required to consult with tribes and the Interior Department regarding how much money to allocate to tribes.That consultation processstartedbefore the lawsuit over the delay in payments.A separate lawsuit filed by tribes to prevent corporations in Alaska from receiving aid has also affected the process. Congress passed theCoronavirus Aid, Relief, and Economic Security Act, or CARES Act, and Trump signed it into law March 27. The $2.2 trillion measure included a $150 billion Coronavirus Relief Fund for states, local governments, and tribal governments. The law set aside $8 billion for tribal governments. The law said the Treasury secretary had to make the payments within 30 days; so by April 26, all entities were supposed to have received funds. It wasnt until May 5 that the Treasury Departmentsaidit would begin making funds available to tribal governments. So that part of Bidens claim adds up. By May 5, the Trump administration was facing several lawsuits by multiple tribes: for delay of payment. The lawsuits also challenged the administration for intending to direct some of the funds to theAlaska Native Corporations, which are regional and village corporations recognized under Alaska law and created by Congress as part of theAlaska Native Claims Settlement Act of 1971. In the lawsuit to stop the corporations from getting a share of the $8 billion, tribes argued that corporations do not meet the statutory definition of tribal government, or Indian tribe and therefore did not qualify for the relief. A federal district judge on April 27 issued apreliminary injunctionto prevent the Treasury from giving money to the corporations. Pending a final determination, the judge did not direct the Treasury secretary to immediately disburse the entire $8 billion to the tribes. In its May 5 announcement, the Trump administration said it would begin paying tribes 60% of the $8 billion, or $4.8 billion, based on population data. The remaining 40% would be paid at a later date based on employment data and tribe expenses related to COVID-19. Amounts calculated for corporations would be held back until pending litigation relating to their eligibility is resolved. The Navajo Nation, which joined tribes in the lawsuit, on May 5saidthe judges April 27 ruling led to the (Treasury) Departments announcement to begin distributing funds to federally-recognized tribes. In a separate lawsuit over the delay in the disbursement of funds, lawyers for the Trump administrationarguedthat providing funds to tribal governments required a more involved and difficult process than the one for states and local governments. While the CARES Act imposed a 30-day deadline for funds disbursement, it also called for a consultation process among tribes and the Treasury and Interior departments. According to the Trump administration, Treasury staff spent about 2,200 hours on efforts to get tribes the appropriated money. The same federal district judge from the corporations case said that those hours of labor arguably should have produced better results, but a court intervention was not warranted. Egregious delay is the governing standard, and the Secretary is not there quite yet, even in the midst of a public health crisis, U.S. District Court Judge Amit P. Mehta wrote in a May 11opinion. Mehta did not find that the Treasury secretary was lagging unreasonably behind in delivering the funds. The Secretary has not been twiddling his thumbs, he said, citing language from a precedent. Mehta said he would not give the Treasury department a deadline for disbursing the rest of the funds, but if it took the department double the amount of time Congress directed for the disbursement, then the question of egregiousness becomes a closer one than it is today. Biden said Trump took more than a month to allocate Congress emergency funding to tribes  and only did so after tribes sued. It did take more than a month for tribes to begin receiving funds appropriated by Congress, and they began to flow after lawsuits were filed against the Trump administration. But a consultation process for disbursing the funds began before the administration was sued. We rate Bidens statement Mostly True. Location is commonly cited as the most important consideration in buying real estate, and geographic location was the reason that Cleveland once was tagged as being -- or occupying -- the best location in the nation.The slogan was coined in 1944 by the Cleveland Electric Illuminating Co., now part of FirstEnergy Corp., to help build post-war business.The claim was based on the fact that within 500 miles of the city lived half the people of the United States and Canada; that Cleveland was the natural meeting place of iron ore, coal, copper, gypsum, stone, sand and other vital raw materials; and that efficient water, rail, highway and air transportation facilitated delivery and reduced costs, wrote historians Carol Poh Miller and Robert Anthony Wheeler.The slogan has fallen into disuse, but geography hasn't changed.Gov. John Kasich touted the concept this month when he spoke to the Ohio Chamber of Commerce about making Ohio more competitive for business growth:We're to the point now where location matters because logistics matters again, he said. Cost of shipping things matters again. We're within 600 miles of 60 percent of America. We're in a perfect location.Given our Buckeye bias, PolitiFact Ohio wanted to believe it. But we have examined similar claims before and found them wanting. We knew that population has shifted since the 1940s, when the population center point of the entire nation (now in Missouri) was still in Ohio. But we also noted that Kasich moved the measuring stick from 500 miles cited in those previous claims to 600 miles.Using the tools we employed before,we built a map including all U.S. counties whose seats are located within 600 miles of Ohio's borders. We used U.S. Census Bureau data to calculate the aggregate population.We found that 184,900,000 people live within 600 miles of Ohio, or 59.9 percent of the U.S. population of 308.7 million.That's 60 percent, whether you round off by a number that is not statistically significant or factor a margin of error.The 600-mile reach would include nearly all of the Eastern Seaboard, the upper Midwest, much of the Deep South and some states west of the Mississippi River.One additional note: In addition to 60 percent of the U.S. population, Kasichs claim also would encompass the most populous parts of Ontario and Quebec.We rate Kasich's statement as True. In April 2022, researchers warned about the potential risk of a global food shortage, spurred on in part by Russia's ongoing attacks on Ukraine. While there are currently no nationwide food shortages in the United States, nor widespread disruptions in the supply chain, the potential of such shortages caused many people to feel that their food security was suddenly uncertain.  researchers warned about the potential risk of a global food shortage currently no nationwide food shortages in the United States In the wake of this uncertainty, unfounded rumors began to spread that attempted to lay the blame for any coming food shortages on nefarious forces. One such rumor claimed that there had been an unusual number of fires at food processing facilities in 2022. The explanation offered by conspiracy theorists for this untrue claim was that these fires were being intentionally set in order to create a food crisis. In reality, the number of fires was not extraordinary, the causes of the fires were not unusual, and the damage caused by the fires was minimal.  the number of fires was not extraordinary, the causes of the fires were not unusual, and the damage caused by the fires was minimal As unfounded rumors related to the cause of a yet-to-happen food crisis circulated online, many people started to point fingers at a favorite target of conspiracy theorists, former Microsoft CEO Bill Gates.  One of the most prevalent claims related to Gates and the potential for food shortages is that the billionaire owns a suspicious amount of farmland in the United States. On social media, we found people claiming, for example, that Gates owns the "majority" of U.S. farmland -- 80%, they claimed -- and that Gates is trying to buy up "all" of the farmland.   These claims are not true. Gates does not own anywhere close to the majority of America's farmland.  Gates does own a lot of farmland. In fact, he reportedly owns more farmland than any other individual in America. According to 2021 article from the Land Report, a magazine about land ownership, Gates owns approximately 242,000 acres of farmland. While this is certainly a lot of acreage, it represents less than 1% of all the farmland in the United States.  reportedly owns more farmland According to a 2021 report from the United States Department of Agriculture and the National Agriculture Statistics Service, there are 895,300,000 acres of farmland in the United States. Gates' 242,000 acres amounts to about 0.03% of the total.  2021 report from the United States Department of Agriculture and the National Agriculture Statistics Service To put that into perspective, if you put all of the land that Gates owns into one place (his holdings are spread throughout the country), you'd cover an area about a quarter the size of Rhode Island.  you'd cover an area about a quarter the size of Rhode Island While viral conspiracy theories baselessly conjecture that Gates is buying up farmland in order to starve Americans for some unknown reason, there's likely a simpler explanation: Gates makes money off this land.  Gates started purchasing farmland circa 2013 through his investment group, Cascade Investments. Agfundernews.com, a website about agricultural investments, reported in 2021 that Gates' investments were part of a broader trend that started after the financial crisis of 2008, as investors looked for reliable returns.  Agfundernews.com For many years, farmland was not a common asset class among financial investors ... The tide began to shift in the early 2000s, when institutional investors began to give farmland a closer look. Momentum accelerated during the 2008-2009 Great Financial Crisis, when investors grew desperate for alternatives to traditional safe haven investments like bonds and gold. In this short period of time, there was a proliferation in funds that were specifically focused on farmland investing. In 2020, there were 166 such funds globally, nearly a 9x increase from only 19 in 2005. [...] Bill Gates investments in farmland can be seen as part of this trend. The Gates have been quietly acquiring farmland through their investment manager, Cascade Investment, for over 10 years. While many have also speculated that Gates' land purchases were in some way related to his efforts to curb climate change, Gates has said that the two are unrelated. Gates said during a Reddit AMA: Reddit AMA  My investment group chose to do this. It is not connected to climate. The agriculture sector is important. With more productive seeds we can avoid deforestation and help Africa deal with the climate difficulty they already face. It is unclear how cheap biofuels can be but if they are cheap it can solve the aviation and truck emissions. During times of uncertainty, people often look for someone to blame, and peddlers of misinformation are quick to tell others at whom they should be pointing their fingers. Oftentimes, those fingers get pointed at Gates. During the COVID-19 pandemic, vaccine-hesitant Americans were inundated with false rumors claiming that Gates was putting microchips into vaccines, that he was working on a mind-altering vaccine, that Gates had input tracking devices into vaccines, and that he once called for vaccinations as a way to depopulate the planet. These rumors, like the present rumor about Gates buying up the majority of farmland in the United States for nefarious purposes, are all false.  Gates was putting microchips into vaccines working on a mind-altering vaccine Gates had input tracking devices into vaccines vaccinations as a way to depopulate the planet Sources: Bill Gates: Americas Top Farmland Owner | The Land Report. 11 Jan. 2021, https://landreport.com/2021/01/bill-gates-americas-top-farmland-owner/. Bill Gates Uses Farmland as an Investment Outlet Buying up Potato, Carrot and Onion Farms. NBC News, https://www.nbcnews.com/tech/tech-news/mcdonald-s-french-fries-carrots-onions-all-foods-come-bill-n1270033. Accessed 28 Apr. 2022. Bill Gates Uses Farmland as Investment Vehicle, Owning 269,000 Acres of Land. NBC News, https://www.nbcnews.com/now/video/bill-gates-is-nation-s-largest-farmland-owner-114566213692. Accessed 28 Apr. 2022. Estes, Nick. Bill Gates Is the Biggest Private Owner of Farmland in the United States. Why? The Guardian, 5 Apr. 2021. The Guardian, https://www.theguardian.com/commentisfree/2021/apr/05/bill-gates-climate-crisis-farmland. If Not for Climate, Then Why Is Bill Gates Buying so Much Farmland? AFN, 27 Aug. 2021, https://agfundernews.com/gates-if-not-for-climate-then-why-is-bill-buying-up-so-much-farmland. Reports about big bonuses for Wall Street executives have struck a nerve with people who wonder how the executives can justify large payments when their firms are in shaky condition or are seeking federal help. It's drawn the ire of President Obama, who called it the height of irresponsibility. It's shameful. On Feb. 4, 2009, he said top executives at firms receiving federal aid will have their compensation capped at $500,000 and that bonuses would have to come as stock that they can't receive until the government is reimbursed. The New York State Comptroller reported in late January that Wall Street firms in 2008 handed out $18.4 billion in cash bonuses to employees who live in New York City, the sixth-largest amount on record. Critics have said the employees don't deserve the rewards because the firms lost more than $35 billion in 2008 and the federal government is spending hundreds of billions of dollars bailing out many of them. Fred Smith, chief executive of FedEx and supporter of George W. Bush, John McCain and other Republicans, tried to cool down the heated discussion with a bit of perspective on ABC'sThis Weekon Feb. 1, 2009. Host George Stephanopoulos noted that Smith actually took a pay cut in December. You announced a 20 percent pay cut because of the performance of FedEx over the last year, because of the tough economic times. And I wonder ... what do you think of the bonus structure now on Wall Street? Smith replied that compensation on Wall Street is built on bonuses much more so than in the industrial sector. As I understand it, the average bonus in that $18 billion is about $100,000 a year. The bonuses on Wall Street are down about 44 percent. Smith was not far off when it came to the average cash bonus. It was $112,000 in 2008, according to New York State Comptroller Thomas DiNapoli's Jan. 28, 2009, report. And indeed bonuses were down 44 percent in a sense: The total amount given out in bonuses, $18.4 billion, was a decline of 44 percent from the $32.9 billion handed out in 2007. But due to job losses on Wall Street, there were fewer employees to split the pie in 2008. So the average bonus was down a slightly more modest 37 percent from the previous year's average. Also, it might have been worth pointing out that while bonuses were well below the 2007 level, that average of $112,000 was still the fifth-highest since the comptroller's office started keeping records in 1985. And the total haul of $18.4 billion was the sixth highest on record. Both were around the same as 2004, a vastly better year for the securities industry and its investors. And although it's true that bonuses generally make up a substantial portion of the compensation on Wall Street, $112,000 is still more than twice the average salary in the United States. But Smith is free to use statistics selectively  and the statistics he chose were off by just $12,000 and a few percentage points. We find his statement Mostly True. U.S. Sen. Mark Warner says presumptive Democratic presidential nominee Hillary Clinton has a lot of ammunition to fire at Donald Trumps business record. To think that Mr. Trump is trying to lay out this proposition that hes a successful business guy. Hes failed miserably, bankrupt four separate businesses, Warner, D-Va.,saidduring a June 21 interview on CNN. We looked at Warners contention that Trump bankrupted four businesses. Clinton has made similar charges against the presumptive Republican presidential nominee, including on July 6 when shespokein front of the shuttered Trump Plaza Casino and Hotel in Atlantic City, N.J.. Earlier this year, many of Trumps GOP primary opponents also accused him of running businesses into the ground. Kevin Hall, Warners communications director, sent us a series of media reports about Trumps business problems. Some Trump companies indeed have sought protection under Chapter 11 of the federal bankruptcylaw, which shields businesses from creditors as as they reorganize with hope of remaining open. Under court supervision, the companies devise a plan to pay back some of its liabilities over time. Thats different from a Chapter 7 filing, which involves liquidating a companys assets and distributing the proceeds to creditors. PolitiFact National has explored several claims about Trumps business record and has tallied a list of bankruptcies for his companies. Lets take a look. 1991 bankruptcy Trumps first bankruptcy came when he sought protection for the Trump Taj Mahal in Atlantic City. Trump funded most of the casinos $1 billion construction by using junk bonds with high interest rates,accordingto the Philadelphia Inquirer. When it sought Chapter 11 protection a year after its opening, the casino had about $3 billion in debt. As part of the restructuring, Trump cut his ownership stake in the Taj Mahal by half and sold his airline as well as his personal 282-foot yacht, The Washington Post said in an August 2015story. 1992 bankruptcies Two more of Trumps Atlantic City casinos - the Trump Castle and Trump Plaza and Casino - sought Chapter 11 protection amid heavy debt and cash flow problems, United Press Internationalreportedat the time. A fourth bankruptcy also occurred in 1992 when Trump sought protection for The Plaza hotel in midtown Manhattan. The hotel, which Trumpboughtfor $390 million in 1988, had accumulated more than $550 million in debt. Trump gave up a 49 percent ownership stake and remained CEO, although he had little control over the day-to-day operations of the company,accordingto The New York Times. Most recent bankruptcies Trump Hotels and Casinos Resorts filed for bankruptcy in 2004 when his casinos - including the Trump Taj Mahal, Trump Marina and Trump Plaza in Atlantic City, and a riverboat casino in Indiana - amassed an estimated $1.8 billion in debt, according to The Associated Press. Trump agreed to reduce his share in the company from 47 percent to 27 percent in a restructuring plan, but he still was the companys largest single shareholder and remained in charge of its operations. Several years later, Trump Entertainment Resorts - formerly Trump Hotels and Casinos Resorts - was slammed by the Great Recession and missed a $53.1 million interest payment in December 2008, according toABC News. The companydeclaredChapter 11 in February 2009. After negotiating with the board of directors, Trump resigned as the companys chairman and had his corporate stake in the company reduced to 10 percent. The company continued to use Trumps name in licensing. All told, the record shows that three of Trumps Atlantic City casinos as well as The Plaza hotel went bankrupt in the 1990s. His overall casino and resort company went bankrupt twice in the 2000s while operating under different names. So you could argue that five Trump companies have gone into bankruptcy. Beyond the numbers The next question: Is Trump personally to blame for driving these ventures into bankruptcy, as Warners statement says? Trump defends his use of bankruptcy laws, saying theyve allowed him to keep businesses afloat and that hes rarely relied on them during a career of making hundreds of business deals. In a statement released the day Clinton made her Atlantic City trip, Trump pegged the number of bankruptcies at four. It is an effective and commonly used practice in business to use bankruptcy proceedings to restructure a business and ultimately save jobs, Trumpsaidin a July 6 statement. ExpertstoldPolitiFact National last September that Trump has had a high number of bankruptcies. But they didnt entirely blame him for the Chapter 11 filings and noted that most occurred in the gambling industry, which has struggled. A 1991articleby United Press International about the financial woes of the Trump Castle and Trump Plaza and Casino said the Atlantic City gaming industry was depressed and that nine of the citys 12 casinos saw declining revenues in 1990, with those two Trump casinos seeing the biggest revenue losses. The New York Times noted in astoryearlier this month that Trumps share of the overall Atlantic City casino market started to fall in 1997, and that while revenues for non-Trump gaming ventures in the city rose over the following five years, revenue at Trump casinos declined. Trump told the newspaper that his casinos ran into trouble because they began competing against each other - a statement that The Times said was a tacit acknowledgement that he overbuilt. Roger Gros, publisher of Global Gaming Business magazine,toldthe Los Angeles Times last year that Trump put his Atlantic City casinos in so much debt that subsequent managers couldn't manage them properly. But Michael Viscount, an Atlantic City lawyer who represented unsecured creditors during the 2004 Chapter 11 filing of the Trump Hotels and Casino resorts, doesnt blame Trump for the bankruptcies. HetoldForbes magazine in 2011 that he didnt blame Trump for his Atlantic City casino bankruptcies. Viscount said creditors knew what they were getting into when they lent Trump money. Theyve all played this game before, in the insolvency space. The company that possessed his name filed bankruptcy because it was overleveraged, Viscount told Forbes. What does that tell you? People want to lend him money. He does grandiose things with it. Adam Levitin, a law professor at Georgetown University, said in an August 2015poston a blog dedicated to bankruptcy and credit issues that a Chapter 11 filing alone doesnt demonstrate a lack of business acumen. Sometimes businesses go bankrupt because of poor management, but sometimes its because of factors beyond their control, Levitin wrote. And indeed, how much, if at all, was Trump involved in the management of the companies? Levitin wrote. I wouldn't be shocked if he was basically licensing his name. Levitin told PolitiFact National last September that its not fair to put all the blame on Trump for his companys bankruptcies because hes acted as any investor would. Investors often own many non-integrated companies, which they fund by taking on debt, and some of them inevitably file for bankruptcy,Levitinsaid. The only difference is that Trump puts his name on his companies, which means people associate them with him, but he's not at all the leader in the bankruptcy space, Levitin said. These bankruptcies were not defining moments for Trump and shouldn't color our view of him. Our ruling Warner said Trump has bankrupt four separate businesses. The number, if anything, is conservative. We count five. But beyond the number, Warners statement also asserts that Trump was the cause of the bankruptcies, and thats harder to parse out. Theres no doubt he had a role in many of the failings, having larded his casino operations with huge debts. But analysts note that Trump wasnt acting alone; he had willing investors who put up big sums of money in the risky gaming industry. Theres also questions about how involved he was in running all of the casinos that bore his name. So on the whole, we rate Warners statement Mostly True.