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Reform recruits former senior detective as police and crime adviser
A top ex-detective who spearheaded a series of high profile murder investigations will join Reform UK as its adviser on police and crime. Colin Sutton, who led the investigation into serial killer Levi Bellfield, is to help Nigel Farage's party develop its pledge to halve crime in five years. Mr Farage has said he will spend £7 billion on policies towards this goal, including by recruiting 30,000 extra police officers. The Reform leader told the Mail on Sunday newspaper that ex-police officer Mr Sutton would be a 'huge asset' to his party. Mr Sutton told the paper he would give all frontline officers tasers, reopen 300 closed police stations, and stop investigations into online arguments as part of Reform's policing offer. The two men will appear together at a press conference on Monday morning.
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Health insurance companies have a problem — people are using their plans more
When medical insurance provider Centene (CNC) opened its books to investors on Friday, the company reported a surprising loss and an uptick in usage. The latter is a broader problem for the industry. In the second quarter, Centene reported an adjusted loss of $79 million and a "health benefits ratio" of 93%. Its benefits ratio, or the amount of its revenue derived from premiums that it pays out for medical care, jumped from 87.6% in the same quarter last year. Moves in that figure can have outsized effects on health insurers' financial performance. "Because of the narrow margins of our health plan business, relatively small changes in our HBR can create significant changes in our financial results," Centene wrote in its Q2 earnings report. And the problem is not isolated to Centene. Elevance Health (ELV), which offers plans including Blue Cross and Blue Shield, reported a similar jump in its "benefit expense ratio" to 88.9% in the second quarter, up from 86.3% in the same quarter last year. Both Centene and Elevance attributed the jump especially to their government-subsidized offerings under the Medicaid and Medicare programs. Molina Healthcare (MOH), which reported Q2 earnings earlier this month, reported a similar outlook, attributing its lowered earnings guidance to the same trend facing other medical insurers. "The short-term earnings pressure we are experiencing results from what we believe to be a temporary dislocation between premium rates and medical cost trend which has recently accelerated,' Molina CEO Joseph Zubretsky said in a statement. Elevance stock dropped by roughly 12% after its report earlier this month, while Molina stock dropped by roughly 8%. Both stocks have remained depressed since. Health Care (XLV) is the worst-performing sector in the S&P 500 this year. Centene stock dropped by roughly 15% in premarket trading after its earnings release before recovering to a positive gain of roughly 6% by the closing bell on Friday. The buoy was led by CEO Sarah London's announcement that Centene was reinstating earnings guidance after pulling this forecast earlier in the month. The company also reported revenue of $48.7 billion, which topped estimates for $44.2 billion, and said it expects to be able to raise the payments it gets from states for Medicaid plans, which would improve its margins. UnitedHealth's MCR challenge The premium-to-cost ratio will be closely watched at UnitedHealth Group (UNH), which refers to this measure as its "medical care ratio" (MCR) and is slated to release Q2 earnings next week. After seeing its medical care ratio rise to 85.1% in the second quarter last year, UnitedHealth is expected to see its ratio jump to 89.3% this year, according to Bloomberg consensus estimates. An increase like that would mean tighter margins and less overhead for a company that already slashed its forecast earlier this year. That news sent its stock price down by 22%, its biggest drop in a single day since 1998. "Management noted care activity trends continue to run ahead of its previous expectations driven by a greater than expected impact at UHC from new members, further acceleration of [Medicare Advantage] utilization and indications of potential broadening trend among adjacent, complex populations," Truist Securities analysts wrote in a May analyst note about UnitedHealth. Closely watched by investors and analysts will also be how UnitedHealth leadership addresses its disclosure Thursday morning that the insurer is facing and complying with a criminal and civil investigation by the Department of Justice over potential fraudulent billing practices in the insurer's Medicare Advantage program. The stock dropped 4.7% through Thursday trading after the disclosure. The probe comes after reporting by the Wall Street Journal earlier this year that documented the potentially fraudulent activity by UnitedHealth, among other medical insurers, which included insurers' staff doctors and nurses adding diagnoses to patients' profiles on top of those documented by the patients' doctors. UnitedHealth may have to answer investor inquiries about the investigation on its earnings call on Tuesday, though these are far from the only challenges facing the insurance giant. According to former federal prosecutor Scott Hogan, the DOJ's Medicare probe will be looking to establish a prolonged pattern of wrongdoing by the insurer. "If everything comes back good for the company, if the department [closes its investigation], I think the company will be able to reassure the marketplace," Hogan, who specialized in fraud investigations, told Yahoo Finance on Friday. Even if UnitedHealth is eventually cleared of wrongdoing, he said, "If the investigation takes next steps, whether it's a lawsuit or prolonged investigation, I don't think there are many companies that desire those kinds of headlines." Jake Conley is a breaking news reporter covering US equities for Yahoo Finance. Follow him on X at @byjakeconley or email him at Click here for in-depth analysis of the latest stock market news and events moving stock prices Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
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Mid-Ohio ESC needs substitute teachers for the upcoming school year
Mid-Ohio Educational Service Center is seeking substitute teachers for the 2025-2026 school year. The center is looking for individuals to fill roles in area school districts, offering a chance to support student learning with a flexible schedule, according to an announcement. 'Substitute teachers play a pivotal role in the education of our children," said Jennifer Reed, human resource director at Mid-Ohio ESC. "When a substitute teacher can't be found, schools will often ask full-time teachers to give up their planning hours in order to fill in. This has a negative impact on the teacher's ability to plan their class effectively, ultimately affecting students as well. Substitute teachers step in and lighten that load while ensuring that each student receives quality instruction while their formal teacher is away.' House Bill 583 has given school districts more flexibility in hiring substitute teachers, allowing each district to set its own educational requirements. This means qualifications may differ between districts. Mid-Ohio ESC encourages those interested in substitute teaching to contact the school districts they wish to serve to learn about specific requirements. Application process requires several steps To work within Mid-Ohio ESC's client districts, candidates must submit a substitute teacher application, available at under the substitute tab in human resources. The application fee has been waived for the 2025-2026 school year. Candidates must also have a current BCI/FBI background check, which can be completed at the Mid-Ohio ESC office for a fee. After applying with Mid-Ohio ESC, candidates must apply for a substitute teacher license through the Ohio Department of Education, unless they already hold a current teaching license. This step should not be done before completing the process at Mid-Ohio ESC. Potential candidates with questions can call Mid-Ohio ESC at 419-774-5520 or email sub@ Mid-Ohio ESC provides specialized academic and support services, including professional development, to 13 school districts and over 20,000 students in Richland, Crawford and Morrow counties. This story was created by Jane Imbody, jimbody@ with the assistance of Artificial Intelligence (AI). Journalists were involved in every step of the information gathering, review, editing and publishing process. Learn more at This article originally appeared on Mansfield News Journal: Mid-Ohio ESC seeks substitute teachers for 2025–26 school year Solve the daily Crossword
