内容摘要：Funds stored in payment apps often lack deposit insurance, the CFPB has found. FDIC-insured banks protect depositors against the loss of their insured deposits up to at least $250,000 if a bank fails, and a similar framework protects credit unions. While funds stored on payment apps resemble funds stored on deposit accounts, those funds are not typically covered until they have been transferred back to an FDIC-insured bank or insured credit union.

Funds stored in payment apps often lack deposit insurance, the CFPB has found. FDIC-insured banks protect depositors against the loss of their insured deposits up to at least $250,000 if a bank fails, and a similar framework protects credit unions. While funds stored on payment apps resemble funds stored on deposit accounts, those funds are not typically covered until they have been transferred back to an FDIC-insured bank or insured credit union.

There are some fruit and vegetables, like apple and broccoli, now grown in the region due to favorable weather conditions. About a decade and a half back such farming was unheard of.Bird watchers now spot winged creatures like paradise flycatcher and Eurasian scops owl that don’t belong to the region. At the same time some native wildlife like Tibetan antelope or Ladakh urial are disappearing from the region’s landscape.

Indian army vehicles move in a convoy in the cold desert region of Ladakh, India, Sunday, Sept. 18, 2022.(AP Photo/Mukhtar Khan)Indian army vehicles move in a convoy in the cold desert region of Ladakh, India, Sunday, Sept. 18, 2022.(AP Photo/Mukhtar Khan)The ongoing military standoff between India and China has witnessed deployment of tens of thousands of additional soldiers to the already militarized region and has led to massive infrastructure development in recent years. It has in turn increased localized pollution manifold, mainly in the form of carbon dioxide emissions from burning fossil fuels like coal and kerosene, and wood for heating shelters to keep soldiers warm in freezing temperatures.

Dorjey said some places in the region “still receive a regular snowfall, but it melts fast,” an indication of what experts point out to Ladakh’s warming weather.A quiet flight of nearly 100 nomadic families from the village has dwindled its population to just 17 families who herd some 8,000 animals. While food security, health care and education are at the heart of their migration, the worsening climatic conditions exacerbated their flight.

Among the former Kharnak dwellers, most aging and old people are nostalgic about their old village. But they’re mostly ones who have lived their productive years of life and now sit inside their homes or assemble in prayer halls or roadside shops to reminisce about what they’ve lost and gained.

Sonam Kunkhen serves tea as her husband Konchok Dorjey and daughter Jigmet Dolma eat dinner inside their home in Kharnakling near Leh town in the cold desert region of Ladakh, India, Monday, Sept. 19, 2022. (AP Photo/Mukhtar Khan)The sun sets in the horizon as Ned Ahgupuk and his girlfriend, Kelsi Rock, piggybacking their 1-year-old son, Steven, stroll along the beach on the Arctic Ocean in Shishmaref, Alaska, Friday, Sept. 30, 2022. (AP Photo/Jae C. Hong)

The sun sets in the horizon as Ned Ahgupuk and his girlfriend, Kelsi Rock, piggybacking their 1-year-old son, Steven, stroll along the beach on the Arctic Ocean in Shishmaref, Alaska, Friday, Sept. 30, 2022. (AP Photo/Jae C. Hong)Boats used for seal hunting are kept in the lagoon side of Shishmaref, Alaska, Saturday, Oct. 1, 2022. (AP Photo/Jae C. Hong)

Boats used for seal hunting are kept in the lagoon side of Shishmaref, Alaska, Saturday, Oct. 1, 2022. (AP Photo/Jae C. Hong)Bering Air agent Denis Sinnok shuts the door of a Cessna plane at the air strip after unloading the dozens of boxes of Eggo waffles and other goods in Shishmaref, Alaska, Thursday, Oct. 6, 2022. (AP Photo/Jae C. Hong)