When your bank gets the fire insurance money

A PSA for those whose homes burnt in the LA-area wildfires earlier this year: If the insurance company writes a check, it comes with two names on it — the property owner's and the bank's. But the bank may keep interest earned on that insurance payout. Now, a California assemblyman is trying to change that. We'll check in. Also: China lowers interest rates, and fewer international students come to the States for higher education.