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AUSTIN, Texas (AP) — Junior Kyla Oldacre matched her career best with 21 points on near perfect shooting, and No. 5 Texas routed Texas Rio Grande Valley 94-35 on Sunday. Oldacre, a 6-foot-6 backup center, converted all six of her field goal attempts and 9 of 10 free throws. She also had seven rebounds and three of the Longhorns' 21 steals. Madison Booker had 14 points, seven rebounds, seven assists and three steals for Texas (13-1). Starting center Taylor Jones had 11 points, nine rebounds and three blocks. Kade Hackerott led Texas Rio Grande Valley (6-7) with seven points. The Vaqueros shot 27% from the field and committed 37 turnovers. Texas converted the turnovers into 47 points. Texas Rio Grande Valley: The Vaqueros average 16 turnovers a game but matched that by midway through the second quarter. They committed 13 while falling behind 24-5 after the first quarter. Texas: Aaliyah Moore's physical health is something to watch. Moore, a starting power forward, missed her first game this season on Sunday while resting because of tendinitis in her right knee. Moore played with that condition last season but it has been a struggle for her. Texas has only two centers and two power forwards on its roster. After Texas Rio Grande Valley sliced a 19-point deficit to 10 with less than four minutes remaining in the second quarter, Texas finished the half with a 13-1 push, eight from Oldacre, during the final 2:36. The Longhorns outscored the Vaqueros 54-12 in the paint and it could have been worse. The Longhorns missed 12 layups. Texas Rio Grande Valley is at Southeastern Louisiana on Thursday, and Texas is at No. 9 Oklahoma on Thursday. Get poll alerts and updates on the AP Top 25 throughout the season. Sign up here . AP women’s college basketball: https://apnews.com/hub/ap-top-25-womens-college-basketball-poll and https://apnews.com/hub/womens-college-basketballNone

Oldacre scores 21 points as No. 5 Texas routs Texas Rio Grande Valley 94-35Italiano: ‘Ndoye finally broke his drought, Bologna need more goals’Scott Bessent a credible, safe pick for Treasury: experts

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NoneBy REBECCA SANTANA WASHINGTON (AP) — President-elect Donald Trump has promised to end birthright citizenship as soon as he gets into office to make good on campaign promises aiming to restrict immigration and redefining what it means to be American. But any efforts to halt the policy would face steep legal hurdles. Birthright citizenship means anyone born in the United States automatically becomes an American citizen. It’s been in place for decades and applies to children born to someone in the country illegally or in the U.S. on a tourist or student visa who plans to return to their home country. It’s not the practice of every country, and Trump and his supporters have argued that the system is being abused and that there should be tougher standards for becoming an American citizen. But others say this is a right enshrined in the 14th Amendment to the Constitution, it would be extremely difficult to overturn and even if it’s possible, it’s a bad idea. Here’s a look at birthright citizenship, what Trump has said about it and the prospects for ending it: During an interview Sunday on NBC’s “Meet the Press” Trump said he “absolutely” planned to halt birthright citizenship once in office. “We’re going to end that because it’s ridiculous,” he said. Trump and other opponents of birthright citizenship have argued that it creates an incentive for people to come to the U.S. illegally or take part in “birth tourism,” in which pregnant women enter the U.S. specifically to give birth so their children can have citizenship before returning to their home countries. “Simply crossing the border and having a child should not entitle anyone to citizenship,” said Eric Ruark, director of research for NumbersUSA, which argues for reducing immigration. The organization supports changes that would require at least one parent to be a permanent legal resident or a U.S. citizen for their children to automatically get citizenship. Others have argued that ending birthright citizenship would profoundly damage the country. “One of our big benefits is that people born here are citizens, are not an illegal underclass. There’s better assimilation and integration of immigrants and their children because of birthright citizenship,” said Alex Nowrasteh, vice president for economic and social policy studies at the pro-immigration Cato Institute. In 2019, the Migration Policy Institute estimated that 5.5 million children under age 18 lived with at least one parent in the country illegally in 2019, representing 7% of the U.S. child population. The vast majority of those children were U.S. citizens. The nonpartisan think tank said during Trump’s campaign for president in 2015 that the number of people in the country illegally would “balloon” if birthright citizenship were repealed, creating “a self-perpetuating class that would be excluded from social membership for generations.” In the aftermath of the Civil War, Congress ratified the 14th Amendment in July 1868. That amendment assured citizenship for all, including Black people. “All persons born or naturalized in the United States and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside,” the 14th Amendment says. “No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States.” But the 14th Amendment didn’t always translate to everyone being afforded birthright citizenship. For example, it wasn’t until 1924 that Congress finally granted citizenship to all Native Americans born in the U.S. A key case in the history of birthright citizenship came in 1898, when the U.S. Supreme Court ruled that Wong Kim Ark, born in San Francisco to Chinese immigrants, was a U.S. citizen because he was born in the states. The federal government had tried to deny him reentry into the county after a trip abroad on grounds he wasn’t a citizen under the Chinese Exclusion Act. But some have argued that the 1898 case clearly applied to children born of parents who are both legal immigrants to America but that it’s less clear whether it applies to children born to parents without legal status or, for example, who come for a short-term like a tourist visa. “That is the leading case on this. In fact, it’s the only case on this,” said Andrew Arthur, a fellow at the Center for Immigration Studies, which supports immigration restrictions. “It’s a lot more of an open legal question than most people think.” Some proponents of immigration restrictions have argued the words “subject to the jurisdiction thereof” in the 14th Amendment allows the U.S. to deny citizenship to babies born to those in the country illegally. Trump himself used that language in his 2023 announcement that he would aim to end birthright citizenship if reelected. Trump wasn’t clear in his Sunday interview how he aims to end birthright citizenship. Asked how he could get around the 14th Amendment with an executive action, Trump said: “Well, we’re going to have to get it changed. We’ll maybe have to go back to the people. But we have to end it.” Pressed further on whether he’d use an executive order, Trump said “if we can, through executive action.” He gave a lot more details in a 2023 post on his campaign website . In it, he said he would issue an executive order the first day of his presidency, making it clear that federal agencies “require that at least one parent be a U.S. citizen or lawful permanent resident for their future children to become automatic U.S. citizens.” Related Articles National Politics | Trump has flip-flopped on abortion policy. His appointees may offer clues to what happens next National Politics | In promising to shake up Washington, Trump is in a class of his own National Politics | Election Day has long passed. In some states, legislatures are working to undermine the results National Politics | Trump taps his attorney Alina Habba to serve as counselor to the president National Politics | Massachusetts Democrat Seth Moulton bashes local media for trying to ‘inflame’ LGBTQ remarks Trump wrote that the executive order would make clear that children of people in the U.S. illegally “should not be issued passports, Social Security numbers, or be eligible for certain taxpayer funded welfare benefits.” This would almost certainly end up in litigation. Nowrasteh from the Cato Institute said the law is clear that birthright citizenship can’t be ended by executive order but that Trump may be inclined to take a shot anyway through the courts. “I don’t take his statements very seriously. He has been saying things like this for almost a decade,” Nowrasteh said. “He didn’t do anything to further this agenda when he was president before. The law and judges are near uniformly opposed to his legal theory that the children of illegal immigrants born in the United States are not citizens.” Trump could steer Congress to pass a law to end birthright citizenship but would still face a legal challenge that it violates the Constitution. Associated Press reporter Elliot Spagat in San Diego contributed to this report.MINNEAPOLIS (AP) — The Minnesota Timberwolves delayed their game against the San Antonio Spurs by one hour on Sunday night due to an issue with the court at Target Center. The Timberwolves announced the decision about three hours before the originally scheduled tipoff time. The Spurs discovered the problem during their morning shootaround, Timberwolves spokesman Patrick Rees said. The team decided to delay the game so arena staff had enough time to install the replacement court that had to be delivered from elsewhere. The Timberwolves have played at Target Center since 1990. AP NBA: https://apnews.com/hub/NBA

NoneWhy Miami’s Pop-Tarts Bowl appearance is important even after missing College Football Playoff

Everything seemed to be going Ohio State’s way in the leadup to Saturday’s clash with bitter rival Michigan. The No. 2-ranked Buckeyes had a healthy roster and were hosting a Michigan team without star tight end Colston Loveland and cornerback Will Johnson — arguably the Wolverines’ top players on offense and defense, respectively. But despite Michigan being depleted from a talent standpoint and the Buckeyes one win away from locking up a sport in the College Football Playoffs, the Wolverines rode an inspired defensive effort to a huge upset of their archrivals, which could have thrown a wrench in OSU’s CFP hopes. Though Ohio State quarterback Will Howard remaining confident the Buckeyes would still get into the 12-team CFP field, the senior signal-caller shouldered a lot of the blame for OSU’s fourth straight loss to Michigan, publicly apologizing to his teammates for not leading them to victory. “I don't know if I have the answer to that at this moment,” Howard said of what he planned to tell his teammates, via Chase Brown of 11 Warriors. “Man, I still love this team. I still love this university... I'm sorry... I'm blessed to have the opportunity to be a Buckeye. I'm sorry I couldn't get this one done.” Adam Cairns/Columbus Dispatch / USA TODAY NETWORK via Imagn Images Howard played his worst game of the season against the Wolverines, finishing with just 175 yards, a touchdown and two interceptions — his first multi-interception game as a Buckeye — and he averaged a lowly 5.3 yards per pass attempt. He also completed a season-low 57.6% of his passes with his lowest passer rating of the year as well. On Ohio State’s final drive, Howard completed just 1 of his 5 passes for one yard. He completed 6 of his final 14 passes for 50 yards in the second half.10 hot-ticket gifts we predict will sell out on Black Friday 2024

LSU football has lost its commitment from the No. 1 overall player in the Class of 2025 to Michigan

Trillion-dollar decarbonization estimates demand a global reality check

Pakistan’s housing crisis needs innovation Pakistan’s population swelled from 65m in 1972 to over 240m in 2023, staggering increase of 175 million in 50 years Pakistan's explosive population growth over the past five decades presents a pressing non-traditional national security concern. With ripple effects on water, food, and energy security, this demographic surge threatens social cohesion and economic stability. At the heart of these challenges lies the need for ‘affordable and climate-smart’ housing, a critical yet neglected issue that impacts 78 per cent of the population falling within lower-middle and middle-income brackets as per World Bank classifications. Pakistan’s population has swelled from 65 million in 1972 to over 240 million in 2023, a staggering increase of 175 million over 50 years. Over the next 25 years, the United Nations projects Pakistan’s population to increase by 160 million and surpass 400 million. Despite years of political rhetoric and six government housing schemes since 1972, the annual housing demand of 350,000 units far exceeds the meagre supply of 150,000 units. The result is an urban housing backlog exceeding nine million units as metropolitan areas have swelled under the weight of rural-to-urban migration. To contextualise, 57 per cent of Pakistan’s urban population currently resides in informal shanty settlements according to a recent study by the Asian Development Bank, reflecting decades of neglect in affordable housing policy. The situation will become increasingly dire with over 70 per cent of the populace residing in urban areas by 2050, putting immense pressure on already strained housing infrastructure. Empirical evidence suggests that lower-middle income households have been priced out of renting - let alone owning affordable homes – due to the gentrification of metropolitan centres by upper-income brackets who are less involved politically as a vote bank. This is not just an affordable housing crisis; it is a ticking time bomb of social unrest. Assuming that state-level planning may have been optimal when presented to decision-makers with every passing administration, political expediency, a lack of foresight, and a sincere desire to implement change have led to an accumulated backlog in affordable housing, leaving Pakistan ill-prepared in practical terms. Unlike many other countries, Pakistan took almost 55 years to publish its housing policy which was introduced in 2001. It is more than 2 decades old and there is a new housing policy in development which is targeted to be completed in 2025. Pakistan has also struggled to create sustainable fiscal space, with the most recent resource allocation for housing in the Public Sector Development Programme (PSDP) for 2024-2025 of a mere Rs24.3 billion, representing only 0.13 per cent of the Rs18.8 trillion budget. Adding to the urgency is the looming spectre of climate change, which threatens to exacerbate Pakistan’s housing woes. With floods, rising sea levels, and unpredictable weather patterns becoming more frequent, the need for housing that is not only affordable but also resilient has never been greater. A pragmatic approach needs to be taken rather than rushing through half-baked ideas clobbered together with realistic targets and timelines if the impact is to be scalable nationwide. For Pakistan, a piecemeal revision of the 2001 housing policy won’t suffice. Instead, a transformative ‘Framework for Affordable, Climate-Smart Housing’ is needed – one that embraces innovation, sustainability, and private-sector collaboration. To address the dual challenges of affordability and sustainability, Pakistan must move beyond outdated policies and embrace a comprehensive, data-driven ‘value chain’ approach which will accelerate the sustainable development of the ecosystem. The How: From the onset, let the business community come up with commercially viable solutions designed within the Public-Private Partnership (PPP) model with proactive facilitation and support of the state machinery assisted by their consultants. This begins with concurrent, collaborative consultations with donors, multilateral and domestic financiers co-creating sustainable solutions with potential project developers as well as a sample cohort representative of small business owners and lower-middle income salaried persons to provide a ‘customer lens’ perspective on affordability, ease of access to finance, et cetera. It is immensely critical to also identify suitable unencumbered land titles for such projects as many countries offer state land – with defined building codes on concessional leases or grants – outside of urban centres which are fundamental to ensuring that the projects can rapidly ‘come off the ground’. The state-owned lenders and DFIs, currently focused on lending to SOEs and investing in government securities, need to be encouraged to refocus on their raison d’etre and be mandated to lead the funding streams against time-bound action plans centrally monitored by the finance division and implemented by the housing division. The downstream can be supported by commercial banks on the back of partial risk guarantee facilities from multilateral lenders covering the construction at concessional rates by innovative developers compliant with energy efficient and green standards using recycled building materials. Such funding is normally augmented by technical assistance for capacity building to deepen the ecosystem. Concerning the construction guarantees for green housing, since modular affordable housing can be accelerated, such de-risking solutions made available to domestic banks can be released from a project within 18 months and redeployed which helps recycle capital required for more modular affordable housing projects. On the demand side, domestic lenders are ill-equipped to initially assess informal income and poorly documented small business owners require a high index mortgage repayment guarantee from multilaterals and DFIs. These guarantees should typically cover over 60-70 per cent of the loan amounts to support the mortgage programs of domestic lenders, while loan-to-value may initially even be in the high 90 per cent range, and the property title deeds would remain in ‘trust’ and only transferred once full repayment has been completed or sufficiently de-risked to a pre-agreed amortisation level of acceptability. This is vital to unlocking affordable and resilient housing solutions. Mortgage guarantees also require a widening of credit assessment parameters using unconventional data. This is where the local data analytics talent can get a boost as one has seen several fin-tech outfits design and test risk models using alternative credit assessment criteria where bank statements and credit records are unavailable. Greater use of technology to obtain demographic information, geotagging movement and photos, residence stability, and personal mobility data is being used to augment and enrich credit profiling for scorecards and in turn, accelerate the mortgage approval processes at domestic lenders. Besides bank lending, ‘impact investing’ is another pool of capital which is increasingly recognised as a viable funding source for affordable housing projects that also yield social benefits. Investors provide capital with the expectation of both financial returns and positive community impacts. This model has been successfully implemented in various countries, directing funds towards projects that enhance infrastructure and services alongside providing homes. A typical financing mechanism to attract ‘climate’ and ‘sustainable impact’ tagged funding - already earmarked for Pakistan or green housing projects by international donors and global asset managers - involves instrumentation and ringfencing designated streams of concessional debt and non-refundable grants or equity into special purpose vehicles. Debt instruments can nowadays be packaged as ‘green’ covered bonds to draw interest from EU-based investors if it can be demonstrated that the projects are compliant and certified by the Climate Bonds Standard. All this is typical of how such models have been deployed in other countries. For example, Mexico launched climate-smart affordable mortgage schemes that enable borrowers to access lower interest rates when purchasing or renovating homes that meet specific energy efficiency standards. Pakistan can also look at the approaches taken by Kenya, Brazil and India, among others. Pakistan needs to adopt such innovative approaches linking climate-smart development financing earmarked by donors and investors for climate adaption by identifying and structuring projects that incorporate ‘resilience’ features such as flood-resistant materials, storm-resistant roofing, elevated foundations on stilts that prepare communities for climate-related disasters such as rising sea and river levels and heavy rainfalls as the country continues to remain vulnerable to recurrence. Domestic lenders can generate carbon offsets under scope 3 by offering consumer loans on residential solar energy and energy-efficient appliances certified by the National Energy Efficiency and Conservation Agency (NEECA). These loans can be packaged with their affordable mortgage schemes. Innovative financing solutions are critical for addressing the dual challenges of affordability and sustainability in housing. By leveraging mechanisms such as green bonds, public-private partnerships, impact investing, and technology-driven approaches, domestic DFIs and commercial banks can play a pivotal role in funding affordable green housing initiatives. By adopting a forward-looking, development finance-led strategy that prioritises climate-smart affordable housing, Pakistan can address its housing crisis while fostering economic growth and climate resilience. The question is no longer whether Pakistan can afford to invest in affordable and resilient climate-smart housing, it is whether it can afford not to. For policymakers seeking to connect with voters and create lasting impact, this is a cause worth championing. The writer is a senior banker seasoned with international experience in global markets and development finance. He can be reached at: 1adnanpasha@gmail.comPrince scores four as Radnor Valley pull away from drop zone

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