内容摘要：A September 2023 Consumer Reports study estimated that 1 in 5 American adults, or about 52 million people, paid a credit card late fee in the previous year. People with lower incomes pay proportionately bigger fees, according to the CFPB, with the highest burden falling on communities of color and those living paycheck to paycheck.

A September 2023 Consumer Reports study estimated that 1 in 5 American adults, or about 52 million people, paid a credit card late fee in the previous year. People with lower incomes pay proportionately bigger fees, according to the CFPB, with the highest burden falling on communities of color and those living paycheck to paycheck.

Pacheco was taught in high school the theory that most archaeologists held throughout the 20th century. “What I learned in school was that Clovis was first,” she said.This photo provided by researchers shows fossils at the excavation site of Arroyo del Vizcaíno in Uruguay, where researchers have found evidence suggesting human occupation 30,000 years ago. (Martín Batallés via AP)

This photo provided by researchers shows fossils at the excavation site of Arroyo del Vizcaíno in Uruguay, where researchers have found evidence suggesting human occupation 30,000 years ago. (Martín Batallés via AP)Clovis is a site in New Mexico, where archaeologists in the 1920s and 1930s found distinctive projectile points and other artifacts dated to between 11,000 and 13,000 years ago.This date happens to coincide with the end of the last Ice Age, a time when an ice-free corridor likely emerged in North America — giving rise to an idea about how early humans moved into the continent after crossing the Bering land bridge from Asia.

And because the fossil record shows the widespread decline of American megafauna starting around the same time — with North America losing 70% of its large mammals, and South America losing more than 80% — many researchers surmised that humans’ arrival led to mass extinctions.A rib bone from a giant sloth thought to be burned by human-made fire, discovered in central Brazil and dated to 13,000 to 15,000 years ago, at the Smithsonian Institution in Washington, D.C. on July 11, 2024. (AP Video/Mary Conlon)

“It was a nice story for a while, when all the timing lined up,” said paleoanthropologist Briana Pobiner at the Smithsonian Institution’s Human Origins Program. “But it doesn’t really work so well anymore.”

In the past 30 years, new research methods — including ancient DNA analysis and new laboratory techniques — coupled with the examination of additional archaeological sites and inclusion of more diverse scholars across the Americas, have upended the old narrative and raised new questions, especially about timing.The U.S. on Thursday will release its April report for inflation at the wholesale level, which is what companies are paying for goods. Economists expect an easing of inflation there.

The latest update Thursday for retail sales is expected to reflect a sharp drop to 0.2% in April from 1.4% the previous month.Retail giant Walmart will also report its latest financial results on Thursday and its financial forecasts will be closely watched.

In the bond market, Treasury yields edged higher. The yield on the 10-year Treasury rose to 4.54% from 4.47% late Tuesday. The two-year Treasury yield, which moves more closely with expectations for Fed action, rose to 4.06% from 4.00% late Tuesday.All told, the S&P 500 rose 6.03 points to 5,892.58. The Dow fell 89.37 points to 42,051.06, and the Nasdaq gained 136.72 points to 19,146.81.