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The most important stories for you to know today
  • A house that generates more energy than it uses
    A three-story house surrounded by lush greenery with a bright blue sky above it
    The Fortunato's Green Idea House in Hermosa Beach has a flat roof with a five foot overhang that shields the sun and cools the home.
    Topline:
    Robert Fortunato's "Green Idea House" has been doing that for over a decade. He remodeled his family's 1959 house into a 2150 square foot environmentally friendly home, and he says he did it for less than the cost of a traditional remodel.

    "It's one of the first net-zero energy, zero carbon case study houses that was built for less cost than standard construction," he says, and the remodel involved "standard construction materials and off-the-shelf technologies that anyone can use."
    What lessons can we learn?

    1. You'll need to get into the power business.

    2. There's lots of research and planning.

    3. You have to ruthlessly stick to your plan.

    4. You might have to update your plan.

    5. Don't expect everyone to follow your lead.

    Read on ... for more on how important these lessons are to making a green house.

    With utility bills rising faster than inflation, a house that produces more energy than it consumes might sound appealing.

    Robert Fortunato's "Green Idea House" has been doing that for over a decade. He remodeled his family's 1959 house into a 2,150-square-foot environmentally friendly home, and he says he did it for less than the cost of a traditional remodel.

    "It's one of the first net-zero energy, zero-carbon case study houses that was built for less cost than standard construction," he says, and the remodel involved "standard construction materials and off-the-shelf technologies that anyone can use."

    Shepherding such a project requires a lot of time and energy from the homeowner. There's research and planning, some stubbornness when it comes to working with contractors and suppliers and now some updates for a climate that's warming faster than expected.

    Still, Fortunato's family ended up with a stylish, contemporary, four-bedroom, two-bath home. While a project like this is not for everyone, Fortunato hopes others will learn from his family's experience and take on similar projects. In that spirit, here are five lessons from the Green Idea House.

    You'll need to get into the power business

    In planning for the remodel, Fortunato wanted to stop using climate-warming fossil fuels as much as possible.

    "We had just seen so many instances where the oil companies were not being responsible for the environment," he says.

    But reducing fossil fuel use was a challenge.

    "We had a gas hot water heater. We had a gas furnace. We had all gas appliances," he says.

    Disconnecting from the local gas company saved some money during the remodel because he didn't have to reinstall gas pipes throughout the house. And in replacing appliances, they chose electric ones, including an induction stove.

    To replace gas and to supply electricity in his home, Fortunato got into the power generation business. He installed 26 solar panels on the roof that generate all the electricity the house uses, plus enough for two electric cars.

    "We really haven't had an electric bill or a gas bill in the last 13 years," Fortunato says. He did have to pay $18,000 upfront to install the panels. He estimates his family saves about $4,800 a year in utility bills, so it took four years to recover that initial expense before the electricity became almost free (there are still utility connection charges, since he remains connected to the grid).

    Spending money on rooftop solar is not affordable for everyone, and the industry has gained a reputation for high-pressure sales tactics. NPR has reported on ways to protect yourself.

    There's lots of research and planning

    From the street, Fortunato's three-story, modern house fits in with the neighborhood of expensive modern and Mission-style homes.

    One of the features is the flat roof, which extends five feet over the front of the house. It hides the solar panels, which some consider ugly, so they can't be seen from the street. The extended roof has another purpose that saves energy.

    "Sixty percent of the energy that is saved, in terms of heating and cooling, is through that overhang alone," Fortunato says. In the summer, it shades the southwest-facing house when the sun is higher in the sky. "And then in the wintertime, the sun rises low in the sky across the horizon. And the sun goes into the windows and actually heats up the house for free."

    Taking advantage of a home's location and then planning construction in this way takes research and planning. Fortunato says the concept he employed is an ancient one, adopted from Indigenous cliff dwellings in what is now Mesa Verde National Park in Colorado.

    On the other side of the country, the Harvard Center for Green Buildings and Cities (CGBC) employs the concept for its HouseZero office in Cambridge, Mass. They are adapted for that location with fins that shade the windows.

    "Rather than horizontal overhangs, those are vertical ones to allow the control of the sun on the east and west, where the sun is lower in the sky," says Ali Malkawi, professor of architectural technology and director of the CGBC.

    The HouseZero functions as both a laboratory and the CGBC headquarters. The building "contains several miles of wire and hundreds of sensors," but he says this high-tech part has to be paired with good design.

    "You cannot apply a technology in a building that is not designed well, that's taking into consideration all these simple principles that we knew for hundreds and hundreds of years," Malkawi says.

    In the Green Idea House, one example of this is an open stairway that doubles as a "thermal chimney." It keeps the house cool without air conditioning and saves more energy.

    "We kick open the two vented windows at the top of the chimney, and the hot air just naturally evacuates," Fortunato says.

    Hermosa Beach's celebrated mild climate contributes to the success of technologies like this. Fortunato says a house in a place with more extreme weather likely would have to deploy other measures to keep it comfortable.

    In planning this remodel, Fortunato also tried to avoid the need for electric lighting during the day.

    "If the sun is out, we actually don't need to turn on any of the lights in the house, in any of the rooms," he says. Several skylights bring light inside, and in the evening, efficient LED lighting helps reduce electricity consumption.

    You have to ruthlessly stick to your plan

    Using LED light bulbs is a relatively easy solution that most Americans have adopted, as the lighting industry also switched to the energy-sipping technology. But other features of the Green Idea House do not have consumer momentum and industries working in their favor. Pursuing them required Fortunato to remind contractors and suppliers of his goals to make sure they're achieved.

    For example, the brown metal siding on the house was selected because it was made in a nearby factory in Fontana. Fortunato wanted to avoid burning fossil fuels to have it delivered across the country.

    At the end of the ordering process, he confirmed with the supplier that the siding would come from the local factory.

    "And then he said, 'Well, no, you ordered a color brown that only Texas makes,'" Fortunato told NPR, with some exasperation. He asked what colors come from Fontana. "And it was very similar. And we said, 'Let's go with that.'"

    Fortunato also "replaced an old garage door opener that used 15 watts just sitting there continuously." The new one uses about 80% less electricity, waiting to sense when someone pushes the button. It's a small savings but important to Fortunato.

    It's important to figure out your goals and question motivations to make sure the goals are actually accomplished, says Chris Magwood with the clean energy nonprofit group Rocky Mountain Institute (RMI).

    "Having me as a consultant is like having that annoying 2-year-old in your house because I just go, why? Like, why a solar house?" says Magwood, who wrote a book about designing more efficient houses.

    He says if choosing solar is about the environment, rooftop solar panels make more sense for homeowners in states that burn a lot of coal for electricity, such as West Virginia. But they may not make as much sense in a state that gets most of its power from cleaner sources, such as California.

    Magwood says constructing an efficient home takes a lot of time and dedication, though he says it's getting easier with certification programs like Energy Star and LEED. They ensure contractors and manufacturers meet efficiency standards.

    You might have to update your plan

    When Fortunato began remodeling his house 15 years ago, some of the technology that's common now was just starting to be sold. That includes heat pump water heaters, which save energy by moving heat from one place to another instead creating heat with an element or flame.

    Fortunato installed two of these efficient water heaters — one for hot water and another to supply radiators that heat the home — in his garage, which gets plenty of heat from the sun. But he says contractors treated the concept like "science fiction."

    "They gave me quotes for five or six times what it should cost to actually install the thing. They were estimating their learning curve, and they wanted to charge me for it," he says. So, he had to explain how the water heaters worked.

    Fortunato designed the house without air conditioning to save energy. He assumed the climate would warm about four degrees Fahrenheit over the life of the house.

    "I think we've already broken that threshold," he says. Scientists do say temperatures have been rising faster than projected. So, he installed shades on the skylights to reduce the temperature in the house. "And we might go to a very small air conditioning unit if, in fact, we need it."

    Fortunato is learning that as humans continue burning the fossil fuels that heat the climate, he has to make other adjustments, like regularly washing off his solar panels.

    "We live on a busy street, and all of the carbon-burning cars deposit this layer of black soot that needs to be cleaned off the solar panels," Fortunato says. "It's so ironic, right? The thing we're trying to fight actually is depositing this thing that reduces the production of the solar panels."

    Don't expect everyone to follow your lead

    Fortunato and his family hoped their experience would encourage others to build their own Green Idea House.

    "We wanted to make the house something that anyone would want to live in," he says, so they tried to strike a balance between affordable and attractive. That was after seeing some efficient homes that he says looked like "spaceships" and "mud huts."

    The family has offered to share what they learned, led many tours through the home and even hosted a reality show to spread the word.

    But houses like this that produce more energy than they use still are just a fraction of a percent of the 140 million housing units in the country. Fortunato says that's "very disappointing." Ultimately he hopes the money his family saves will help convince others to build homes like his.

    "Just rough math, about $200 a month for the house and about $100 each for the cars," Fortunato says. That's $400 a month in utility and gasoline savings that could keep adding up, 15 years after the Green Idea House was finished.

  • Paramount tries to beat Netflix with $108B offer

    Topline:

    Paramount Global has sweetened its offer to acquire Warner by a bunch, offering an all-cash deal valued at $108 billion to take over the parent company of HBO, Warner Bros. Studios and CNN, among other notable properties. It would appear to significantly outstrip the deal worth $83 billion that Netflix and Warner announced just last Friday, although that agreement is solely for Warner's streaming service and studios.

    The backstory: The Ellisons started the ball rolling earlier this year, forcing the hand of Warner Bros. Discovery Chief Executive David Zaslav by making an unsolicited bid. He ultimately put the company on the chopping block. In remarks on a conference call Monday with investors and reporters, Paramount executives accused Warner of "never engaging meaningfully" with its six various proposals.

    Reaction: Warner did not respond to a request for comment. Netflix is expected to hold a call with investors Monday afternoon.

    The context: Combining with Warner would let the Ellisons create a Hollywood behemoth to take on Netflix, already the world's largest streamer. The Ellisons are also mindful of other major movie and TV streamers, particularly Amazon, Apple, and Disney, which bulked up a few years ago by acquiring most of Fox's entertainment assets.

    Get out your popcorn because there's more drama in the fight over the media powerhouse Warner Brothers Discovery:

    Paramount Global has sweetened its offer to acquire Warner by a bunch, offering an all-cash deal valued at $108 billion to take over the parent company of HBO, Warner Bros. Studios and CNN, among other notable properties.

    It would appear to significantly outstrip the deal worth $83 billion that Netflix and Warner announced just last Friday, although that agreement is solely for Warner's streaming service and studios. If that deal were to go through, CNN and other cable channels would be spun off.

    Oracle co-founder Larry Ellison, one of the world's richest people, and his son David, the movie producer and founder of Skydance Media, took over Paramount this summer. It's the parent company of CBS, Paramount Studios, the Paramount+ streaming service and more.

    Combining with Warner would let them create a Hollywood behemoth to take on Netflix, already the world's largest streamer. The Ellisons are also mindful of other major movie and TV streamers, particularly Amazon, Apple, and Disney, which bulked up a few years ago by acquiring most of Fox's entertainment assets.

    The Ellisons started the ball rolling earlier this year, forcing the hand of Warner Bros. Discovery Chief Executive David Zaslav by making an unsolicited bid. He ultimately put the company on the chopping block.

    In remarks on a conference call Monday with investors and reporters, Paramount executives accused Warner of "never engaging meaningfully" with its six various proposals.

    Warner did not respond to a request for comment. Netflix is expected to hold a call with investors Monday afternoon.

    Despite Zaslav's reluctance to sell to the Ellisons, they thought they had a dominant hand to play: they were offering a premium for the company's value on the open market and they were bidding for the entire enterprise.

    What's more, they had built strong ties to President Trump, whose government regulators ultimately would have to approve any such acquisition by an already established major Hollywood player.

    Larry Ellison is a donor, informal adviser and friend of the president. David Ellison has made two key hires at CBS — specifically in its news division — to ensure it will be perceived as less adversarial to Trump. A conservative former think tank chief has become its new ombudsman to review complaints. And Bari Weiss, founder of the right-of-center Free Press, has taken over the news division as editor in chief. Paramount's previous leadership had paid $16 million to settle a lawsuit filed by Trump against CBS News that legal observers described as flimsy.

    Presidential preferences are supposed to be held at arm's length from such reviews by antitrust regulators at the Federal Trade Commission and the U.S. Justice Department. But that's not how Washington operates under Trump.

    Even so, Trump's approval is never a sure thing. The Netflix announcement stirred instant opposition from a handful of U.S. senators in both parties. Trump was noncommittal in remarks Sunday.

    "Netflix is a great company and they've done a phenomenal job," Trump said. "They have a very big market share, and when they have Warner Bros., you know, that share goes up a lot, so I don't know, that's going to be for some economists to tell and also, I'll be involved in that decision too."

    However, Monday morning, Trump lashed out at CBS News for a 60 Minutes interview with Trump ally-turned-critic U.S. Rep. Marjorie Taylor Greene, a Republican who has announced she is stepping down. Paramount came in for particular scorn.

    "My real problem with the show, however, wasn't the low IQ traitor, it was that the new ownership of 60 Minutes, Paramount, would allow a show like this to air," Trump wrote Monday morning in a post on Truth Social — after the Ellisons announced their hostile bid for Warner. "THEY ARE NO BETTER THAN THE OLD OWNERSHIP, who just paid me millions of Dollars for FAKE REPORTING about your favorite President, ME! Since they bought it, 60 Minutes has actually gotten WORSE!"

    Editor's note: Warner Bros. Discovery is among NPR's financial supporters.
    Copyright 2025 NPR

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  • SCOTUS case could expand presidential powers

    Topline:

    The Supreme Court hears Monday arguments in a case that could end the independence of independent agencies, overturn a 90-year-old precedent, and reshape the balance of power between Congress and the president.

    The issue: President Donald Trump fired Rebecca Kelly Slaughter, whom Trump appointed in 2018, during his first term, to fill a Democratic seat on the Federal Trade Commission. President Biden appointed Slaughter to a second term, which was supposed to end in 2029. Instead, in March, Slaughter received an email from the White House Office of Presidential Personnel informing her that she was being removed from office, effective immediately. She was told her "continued service on the FTC is inconsistent with [the Trump] Administration's priorities."

    A bipartisan agency: Congress created the FTC in 1914 as a bipartisan, independent agency tasked with protecting the American economy from unfair methods of competition. By law, the five-member commission can have no more than three members of the same political party, and commissioners can only be fired for "inefficiency, neglect of duty or malfeasance in office." Slaughter had been given no such reason for her removal, and so she sued. A lower court declared that Slaughter had been unlawfully removed from the FTC and ordered her back to work. The Trump administration appealed that ruling, and in September, the Supreme Court issued an emergency order removing her from her seat until the merits of her case could be heard. Justices voted 6 to 3 along ideological lines to allow her firing to stand — for now.

    The Supreme Court hears Monday arguments in a case that could end the independence of independent agencies, overturn a 90-year-old precedent, and reshape the balance of power between Congress and the president.

    At issue is whether President Donald Trump can fire Rebecca Kelly Slaughter, whom Trump appointed in 2018, during his first term, to fill a Democratic seat on the Federal Trade Commission. President Biden appointed Slaughter to a second term, which was supposed to end in 2029.

    Instead, in March, Slaughter received an email from the White House Office of Presidential Personnel informing her that she was being removed from office, effective immediately. She was told her "continued service on the FTC is inconsistent with [the Trump] Administration's priorities."

    Congress created the FTC in 1914 as a bipartisan, independent agency tasked with protecting the American economy from unfair methods of competition. By law, the five-member commission can have no more than three members of the same political party, and commissioners can only be fired for "inefficiency, neglect of duty or malfeasance in office."

    Slaughter had been given no such reason for her removal, and so she sued. A lower court declared that Slaughter had been unlawfully removed from the FTC and ordered her back to work. The Trump administration appealed that ruling, and in September, the Supreme Court issued an emergency order removing her from her seat until the merits of her case could be heard. Justices voted 6 to 3 along ideological lines to allow her firing to stand -- for now.

    Reconsidering a 90-year-old precedent

    Black and white photo of a man wearing a tuxedo, sitting at a desk with a microphone on it
    President Franklin D. Roosevelt during a radio broadcast circa 1933–40.
    (
    Harris & Ewing
    /
    Library of Congress
    )

    Proving that history does repeat itself, in 1933, President Franklin D. Roosevelt attempted to fire an FTC commissioner over ideological disagreements. In that case, called Humphrey's Executor, the court unanimously held that while the president has the power to remove purely executive officers for any reason, that unlimited power does not extend to agencies like the FTC, whose duties "are neither political nor executive, but predominantly quasi-judicial and quasi-legislative."

    Following that 1935 decision, Congress went on to create many more multimember, independent agencies whose members likewise can only be removed for cause. Since January, Trump has also removed Democratic members from some of those agencies, including the Equal Employment Opportunity Commission, the Merit Systems Protection Board and the Consumer Product Safety Commission.

    In Slaughter's case and others, the Trump administration argues that the Supreme Court's decision in Humphrey's Executor was flawed, due to a misunderstanding of the FTC's functions at the time. The administration maintains that the FTC did in fact exercise executive power then and says those powers have only grown in the decades since.

    During Trump's first term, the Supreme Court chipped away at Humphrey's Executor when it permitted Trump to fire the head of another independent agency, the Consumer Financial Protection Bureau. In that case, the Supreme Court held that the firing was permissible because the CFPB is run by a single director rather than a multimember board. Chief Justice John Roberts described Humphrey's Executor as applying to multimember agencies "that do not wield substantial executive power."

    On Friday, the D.C. Circuit Court of Appeals issued a ruling in line with that guidance. In a 2-to-1 decision, the court said Trump's firings of Merit Systems Protection Board member Cathy Harris and National Labor Relations Board member Gwynne Wilcox were lawful, citing those agencies' "significant executive powers."

    A man with white hair wearing a blue suit and pink tie stares off into the distance. He is standing in front of a wood-paneled wall.
    President Trump attends a press event at the White House on Dec. 2.
    (
    Andrew Caballero-Reynolds
    /
    AFP via Getty Images
    )

    A clash of views on independent agencies

    Slaughter believes that it is vital for the Supreme Court to preserve the independence of bipartisan multimember agencies and allow her to be reinstated.

    "Independence allows the decision-making that is done by these boards and commissions to be on the merits, about the facts, and about protecting the interests of the American people," she said. "That is what Americans deserve from their government."

    James M. Burnham, an attorney who has served in both Trump administrations, offered an opposing view.

    "I don't think there is such a thing as an independent agency because everything has to be in one of the three branches of government," he argued. "I don't think they've ever been independent because I think the removal protections have been unconstitutional from the beginning."

    The court will continue its deliberation on Humphrey's Executor on Jan. 21 when it considers another case involving Trump's attempted firing of Federal Reserve Governor Lisa Cook.
    Copyright 2025 NPR

  • Nominations are out this morning

    Topline:

    We have the full list of nominees for the 83rd Golden Globes, announced this morning.

    What's next: The Golden Globes awards ceremony will be held on Jan. 11, hosted by Nikki Glaser, at the Beverly Hilton.

    Keep reading... to watch the announcement and read the full list.

    Marlon Wayans and Skye P. Marshall presented the nominees for the 83rd Golden Globes this morning. You can watch the announcement above and read the full list below. The Golden Globes awards ceremony will be held on Jan. 11, hosted by Nikki Glaser.

    Best motion picture – drama

    Frankenstein (Netflix)
    Hamnet (Focus Features)
    It Was Just an Accident (Neon)
    The Secret Agent (Neon)
    Sentimental Value (Neon)
    Sinners (Warner Bros. Pictures)
     

    Best motion picture – musical or comedy

    Blue Moon (Sony Pictures Classics)
    Bugonia (Focus Features)
    Marty Supreme (A24)
    No Other Choice (Neon)
    Nouvelle Vague (Netflix)
    One Battle After Another (Warner Bros. Pictures)
     

    Best motion picture – animated

    Arco (Neon)
    Demon Slayer: Kimetsu No Yaiba Infinity Castle (Aniplex, Crunchyroll, Sony Pictures Entertainment)
    Elio (Walt Disney Studios Motion Pictures)
    KPop Demon Hunters (Netflix)
    Little Amélie or the Character of Rain (GKIDS)
    Zootopia 2 (Walt Disney Studios Motion Pictures)
     

    Cinematic and box office achievement

    Avatar: Fire and Ash (Walt Disney Studios Motion Pictures)
    F1 (Apple Original Films)
    KPop Demon Hunters (Netflix)
    Mission: Impossible – The Final Reckoning (Paramount Pictures)
    Sinners (Warner Bros. Pictures)
    Weapons (Warner Bros. Pictures, New Line Cinema)
    Wicked: For Good (Universal Pictures)
    Zootopia 2 (Walt Disney Studios Motion Pictures)
     

    Best motion picture – non-English language

    It Was Just an Accident (Neon) - France
    No Other Choice (Neon) - South Korea
    The Secret Agent (Neon) - Brazil
    Sentimental Value (Neon) - Norway
    Sirāt (Neon) - Spain
    The Voice of Hind Rajab (Willa) - Tunisia
     

    Best performance by a female actor in a motion picture – drama 

    Jessie Buckley (Hamnet)
    Jennifer Lawrence (Die My Love)
    Renate Reinsve (Sentimental Value)
    Julia Roberts (After the Hunt)
    Tessa Thompson (Hedda)
    Eva Victor (Sorry, Baby)
     

    Best performance by a male actor in a motion picture – drama

    Joel Edgerton (Train Dreams)
    Oscar Isaac (Frankenstein)
    Dwayne Johnson (The Smashing Machine)
    Michael B. Jordan (Sinners)
    Wagner Moura (The Secret Agent)
    Jeremy Allen White (Springsteen: Deliver Me from Nowhere)
     

    Best performance by a female actor in a motion picture – musical or comedy 

    Rose Byrne (If I Had Legs I'd Kick You)
    Cynthia Erivo (Wicked: For Good)
    Kate Hudson (Song Sung Blue)
    Chase Infiniti (One Battle After Another)
    Amanda Seyfried (The Testament of Ann Lee)
    Emma Stone (Bugonia)
     

    Best performance by a male actor in a motion picture – musical or comedy 

    Timothée Chalamet (Marty Supreme)
    George Clooney (Jay Kelly)
    Leonardo DiCaprio (One Battle After Another)
    Ethan Hawke (Blue Moon)
    Lee Byung-hun (No Other Choice)
    Jesse Plemons (Bugonia)
     

    Best performance by a female actor in a supporting role in any motion picture

    Emily Blunt (The Smashing Machine)
    Elle Fanning (Sentimental Value)
    Ariana Grande (Wicked: For Good)
    Inga Ibsdotter Lilleaas (Sentimental Value)
    Amy Madigan (Weapons)
    Teyana Taylor (One Battle After Another)
     

    Best performance by a male actor in a supporting role in any motion picture 

    Benicio del Toro (One Battle After Another)
    Jacob Elordi (Frankenstein)
    Paul Mescal (Hamnet)
    Sean Penn (One Battle After Another)
    Adam Sandler (Jay Kelly)
    Stellan Skarsgård (Sentimental Value)
     

    Best director – motion picture

    Paul Thomas Anderson (One Battle After Another)
    Ryan Coogler (Sinners)
    Guillermo del Toro (Frankenstein)
    Jafar Panahi (It Was Just an Accident)
    Joachim Trier (Sentimental Value)
    Chloé Zhao (Hamnet)
     

    Best screenplay – motion picture

    Paul Thomas Anderson (One Battle After Another)
    Ronald Bronstein, Josh Safdie (Marty Supreme)
    Ryan Coogler (Sinners)
    Jafar Panahi (It Was Just an Accident)
    Eskil Vogt, Joachim Trier (Sentimental Value)
    Chloé Zhao, Maggie O'Farrell (Hamnet)
     

    Best original score – motion picture 

    Alexandre Desplat (Frankenstein)
    Ludwig Göransson (Sinners)
    Jonny Greenwood (One Battle After Another)
    Kangding Ray (Sirāt)
    Max Richter (Hamnet)
    Hans Zimmer (F1)
     

    Best original song – motion picture

    "Dream as One" – Avatar: Fire and Ash
    "Golden" – KPop Demon Hunters
    "I Lied to You" – Sinners
    "No Place Like Home" – Wicked: For Good
    "The Girl in the Bubble" – Wicked: For Good
    "Train Dreams" – Train Dreams
     

    Best television series – drama 

    The Diplomat (Netflix)
    The Pitt (HBO Max)
    Pluribus (Apple TV)
    Severance (Apple TV)
    Slow Horses (Apple TV)
    The White Lotus (HBO Max)
     

    Best television series – musical or comedy

    Abbott Elementary (ABC)
    The Bear (FX on Hulu)
    Hacks (HBO Max)
    Nobody Wants This (Netflix)
    Only Murders in the Building (Hulu)
    The Studio (Apple TV)
     

    Best television limited series, anthology series or motion picture made for television

    Adolescence (Netflix)
    All Her Fault (Peacock)
    The Beast in Me (Netflix)
    Black Mirror (Netflix)
    Dying for Sex (FX on Hulu)
    The Girlfriend (Prime Video)
     

    Best performance by a female actor in a television series – drama 

    Kathy Bates (Matlock)
    Britt Lower (Severance)
    Helen Mirren (Mobland)
    Bella Ramsey (The Last of Us)
    Keri Russell (The Diplomat)
    Rhea Seehorn (Pluribus)
     

    Best performance by a male actor in a television series – drama 

    Sterling K. Brown (Paradise)
    Diego Luna (Andor)
    Gary Oldman (Slow Horses)
    Mark Ruffalo (Task)
    Adam Scott (Severance)
    Noah Wyle (The Pitt)
     

    Best performance by a female actor in a television series – musical or comedy 

    Kristen Bell (Nobody Wants This)
    Ayo Edebiri (The Bear)
    Selena Gomez (Only Murders in the Building)
    Natasha Lyonne (Poker Face)
    Jenna Ortega (Wednesday)
    Jean Smart (Hacks)
     

    Best performance by a male actor in a television series – musical or comedy 

    Adam Brody (Nobody Wants This)
    Steve Martin (Only Murders in the Building)
    Glen Powell (Chad Powers)
    Seth Rogen (The Studio)
    Martin Short (Only Murders in the Building)
    Jeremy Allen White (The Bear)
     

    Best performance by a female actor in a limited series, anthology series, or a motion picture made for television 

    Claire Danes (The Beast in Me)
    Rashida Jones (Black Mirror)
    Amanda Seyfried (Long Bright River)
    Sarah Snook (All Her Fault)
    Michelle Williams (Dying for Sex)
    Robin Wright (The Girlfriend)
     

    Best performance by a male actor in a limited series, anthology series, or a motion picture made for television 

    Jacob Elordi (The Narrow Road to the Deep North)
    Paul Giamatti (Black Mirror)
    Stephen Graham (Adolescence)
    Charlie Hunnam (Monster: The Ed Gein Story)
    Jude Law (Black Rabbit)
    Matthew Rhys (The Beast in Me)
     

    Best performance by a female actor in a supporting role on television 

    Carrie Coon (The White Lotus)
    Erin Doherty (Adolescence)
    Hannah Einbinder (Hacks)
    Catherine O'Hara (The Studio)
    Parker Posey (The White Lotus)
    Aimee Lou Wood (The White Lotus)
     

    Best performance by a male actor in a supporting role on television 

    Owen Cooper (Adolescence)
    Billy Crudup (The Morning Show)
    Walton Goggins (The White Lotus)
    Jason Isaacs (The White Lotus)
    Tramell Tillman (Severance)
    Ashley Walters (Adolescence)

     

    Best performance in stand-up comedy on television

    Bill Maher (Bill Maher: Is Anyone Else Seeing This?)
    Brett Goldstein (Brett Goldstein: The Second Best Night of Your Life)
    Kevin Hart (Kevin Hart: Acting My Age)
    Kumail Nanjiani (Kumail Nanjiani: Night Thoughts)
    Ricky Gervais (Ricky Gervais: Mortality)
    Sarah Silverman (Sarah Silverman: Postmortem)
     

    Best Podcast

    Armchair Expert with Dax Shepard (Wondery)
    Call Her Daddy (SiriusXM)
    Good Hang with Amy Poehler (Spotify)
    The Mel Robbins Podcast (SiriusXM)
    Smartless (SiriusXM)
    Up First (NPR)
    Copyright 2025 NPR

  • Fire survivors call for better protections
    A woman with a shaved head wearing an orange sweater and black rimmed glasses
    It took more than eight months for Tamara Carroll to be able to return to her home, which was damaged by the Eaton Fire.

    Topline:

    Fire survivors are calling for longer timelines on mortgage forbearance and better policy to stop credit hits as the expiration of mortgage protections looms nearly a year after the most destructive fires in L.A. County history.

    The background: After the Eaton and Palisades fires, hundreds of mortgage companies promised to let borrowers delay their monthly payments for 90 days. In September, those protections were extended up to a year via Assembly Bill 238. Ever since, fire survivors have said some mortgage lenders are not adhering to those rules.

    Read on ... for more on what additional protections survivors are calling for.

    Fire survivors are calling for longer timelines on mortgage forbearance and better policy to stop credit hits as the expiration of mortgage protections looms nearly a year after the most destructive fires in L.A. County history.

    After the Eaton and Palisades fires, hundreds of mortgage companies promised to let borrowers delay their monthly payments for 90 days. In September those protections were extended and enhanced when Gov. Gavin Newsom signed Assembly Bill 238 into law. That allowed survivors to request forbearance for up to 12 months, without requiring full repayment at the end of the forbearance period.

    Ever since, fire survivors have said some mortgage lenders are not adhering to those rules.

    “We have heard feedback that there is widespread activity that goes to show that a lot of banks and a lot of mortgage services are not actually complying with 238,” said Assemblymember John Harabedian, who wrote the law.

    The California Department of Financial Protection and Innovation told LAist it has received more than 200 complaints from L.A. fire survivors “related to issues such as credit reporting, forbearance terms and insurance payouts.”

    Harabedian said his office has been receiving calls as well.

    “ A lot of people who rightfully deserve forbearance are not being given it, or to the extent that they're being offered forbearance, they're being tasked with things that are illegal under the law, like negative credit reporting, lump sum payments, et cetera,” Harabedian said.

    He said holding companies accountable remains a challenge, since that requires survivors to report the issues they’re experiencing.

    “It should not be incumbent on the borrower to have to educate a financial institution that's licensed and operating in the state of California that this is the law,” Harabedian said.

    Having mortgage issues? Here are some resources

    What to do if you think your lender isn't abiding by the law:

    • First, try sending a letter to your lender called a "notice of error." Here's more on how to do that. This can be a faster way to action than phone calls back and forth.
    • Submit a complaint to the state's Department of Financial Protection and Innovation online or by calling (866) 275-2677.
    • Submit a complaint to the federal Consumer Financial Protection Bureau.
    • You can also contact your local, state and federal representatives.

    More resources:

    • The CalAssist Mortgage Fund helps cover disaster survivors' mortgages for 3 months, up to $20,000. The funds never have to be repaid. In Los Angeles County, household incomes up to $211,050 are eligible.
    • Find a HUD-certified housing counselor to work with. It's a free service to answer questions about issues including forbearance, foreclosure and other housing issues.
      • For disaster relief assistance counseling, call HUD at (800) 569-4287 or (202) 708-1455
    • You can also seek legal help through organizations such as Bet Tzedek and Pepperdine Law School's Disaster Relief Clinic.
    • The National Consumer Law Center has these resources for disaster survivors.

    Loopholes

    Aimee Williams, a housing rights attorney for the legal aid nonprofit Bet Tzedek that is working with fire survivors, said she has seen many clients benefit from the passage of AB 238. But big loopholes remain. She said the law doesn’t mandate the protections and there is still little transparency from many mortgage lenders about how their mortgages work and what people’s rights are.

    “It's a step in the right direction, but outside of an overhaul of the law and providing something standard that all mortgage services need to follow, it's going to continue to be a bit of a mystery for people,” Williams said. “And unfortunately, we're going to continue to see people being surprised by demands for payment or threats of foreclosure.”

    That’s what happened to Tamara Carroll, whose Altadena home survived the Eaton Fire. With smoke and other damage, though, it took more than eight months for her to safely return.

    A woman with a shaved head wearing an orange sweater, black rimmed glasses, and a mask stands amid patio furniture.
    Tamara Carroll assesses damage to her patio from the Eaton Fire earlier this year.
    (
    Noé Montes
    /
    LAist
    )

    She entered forbearance for the first three months after the fire while she lived in a Burbank hotel and took some time off work to cope with the stress. She said she extended that forbearance another three months when she was still displaced and sorting out her finances. Then she got a call — she was in active foreclosure.

    “I literally screamed,” Carroll said.

    The state policy urging lenders to extend those protections up to a year had not yet gone into effect, but Carroll said she got no warning or explanation that she could go into foreclosure if she continued with her forbearance, which is required by state and federal law.

    A spokesperson for Carroll's lender, the Rocket Mortgage-affiliated Mr. Cooper,  said they didn't have any record of her asking for an extension. She says she did request one over the phone. The spokesperson said the company has fully complied with AB 283.

    Without the extension, Carroll was told she’d have to pay about $18,000 — to make up for the last six months of forbearance plus additional fees — to get back in good standing, she said. Carroll used insurance money that she was going to use to replace her roof, which was damaged in the fire, to pay off the bank.

    “I just feel like they took advantage of me,” Carroll said. “I was so emotionally battered from the fires … so I just didn’t have the energy to fight an institution that really didn’t care.”

    A call for better policy 

    As temporary housing insurance dries up, the challenges are only mounting for fire survivors. Many are paying rent on top of mortgages for homes that no longer exist or are still uninhabitable.

    One Palisades couple is leading the charge for stronger mortgage protections — Rachel Jonas and Rob Fagnani lost their home in the Marquez Knolls neighborhood, where they had planned to raise their two young children. Now they’ve relocated to Fagnani’s parents’ house in Tennessee as they work to rebuild, which they expect to take at least another year.

    “We want to be back in L.A., and we want to be in L.A. for the future,” Fagnani said.

    A younger middle aged couple with light skin tone takes a selfie. The woman on the right has long blond hair, and her husband, wears sunglasses and a green vest. Behind them is the rubble of their burned home.
    Rob Fagnani, left, and Rachel Jonas, in front of where their Palisades home stood, are calling for policy changes.
    (
    Courtesy of Rob Fagnani and Rachel Jonas
    )

    While they don’t have to pay rent, they still have a substantial mortgage and are underinsured, so they decided to enter forbearance as they figure out how to finance their rebuild. Fagnani’s finance background gave him the tools to dig deeply into mortgage and insurance policy.

    After talking with dozens of colleagues and friends in the mortgage and finance world, he and Jonas decided to organize their neighbors around mortgage policy reform for disaster survivors.

    “Most people are underinsured. Everyone's trying to free up cash. Most people already have too much debt anyway, and they don't want to add on additional debt,” Fagnani said.

    So they built a website and a platform to help neighbors easily send letters to their representatives to call for more comprehensive federal mortgage protections for disaster survivors across the country.

    Their asks include:

    • Extending the forbearance period for two to three years.
    • Add deferred payments to the end of the loan term at current interest rates, with protections to avoid damage to credit scores and foreclosure pressure. 

    “Many people are maybe a couple hundred thousand dollars short, and those couple hundred thousand dollars are the difference between them being able to square the economics,” Fagnani said. “So this is a way to do that without forcing families to take on more debt.”

    Their efforts are gaining traction — Los Angeles City Councilmember Traci Park highlighted their advocacy in her newsletter last month. Mayor Karen Bass recently called on banks to voluntarily extend their forbearance relief for an additional three years. And some lenders are voluntarily doing the same — Bank of America announced it will offer up to three years of forbearance to fire survivors, though most people will have to modify their loans, which can hurt their credit.

    Williams, the lawyer, said a standard at a federal level is “a great idea,” though she doubts the current Congress will be open to it. Mortgage-relief legislation proposed by Sen. Adam Schiff (D-Calif.) and Rep. Judy Chu (D-Monterey Park) earlier this year did not pass.

    “Forbearance is not supposed to be … you'll be able to pay everything in full after the period ends,” Williams said. “It really gives you breathing room to figure out what to do next to make your long-term financial plans while trying to stay on top of your short-term financial security.”