SBA says legal permanent residents will be ineligible for its loan program, effective March 1

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By MAE ANDERSON, AP Business Writer

NEW YORK (AP) — The Small Business Administration said in a policy note that green card holders won’t be allowed to apply for SBA loans, effective March 1.

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The move is the latest by the SBA as it works to tighten loan restrictions and restructure the agency.

Last year, it tightened a requirement that businesses applying for loans must be 100% owned by U.S. citizens, U.S. nationals, or lawful permanent residents, up from a 51% standard.

In December, it issued a policy note that said up to 5% of a business could be non-citizen owned. But the current policy rescinds that, as well as making lawful permanent residents ineligible, too.

The SBA did not respond to a request for comment.

The SBA doesn’t give out direct loans, except when they’re related to disasters, but it works with lenders to distribute loans to small businesses. The loans typically have better rates than traditional loans.

Small business advocacy group the Small Business Majority said the move is “a decision that will limit the growth of small businesses and jobs throughout the United States.”

“The latest decision by SBA fails to recognize that immigrants are twice as likely to start a business as native-born U.S. citizens,” said Small Business Majority CEO John Arensmeyer. “Given that reality, SBA’s severe restrictions will have a negative impact on small business creation throughout this country for years to come.”

MnDOT: Rethinking I-94 public comment is open through March 9

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State transportation officials are seeking public comment on two environmental documents as they rethink Interstate 94 — the scoping document/draft scoping decision document and the environmental assessment worksheet.

The period for offering comment the documents opened Jan. 6 and will run to March 9. The Minnesota Department of Transportation’s Rethinking I-94 project team also is hosting a series of public meetings, in-person and virtual. The project is intended to improve a 7.5-mile length of I-94 between the Interstate 35W and state Highway 55 interchange in Minneapolis and Marion Street in St. Paul.

The public can attend a virtual meeting from noon to 1:30 p.m. on Wednesday. Registration is required for the virtual meeting and can be done through the project website at talk.dot.state.mn.us/rethinking-i94.

Also, MnDOT is adding another in-person meeting to receive comments on the EAW from 5:30 to 8:30 p.m. on Feb. 19, 2026. The meeting will be at the Wilder Center, 451 Lexington Parkway N, St. Paul.

Comments can be made on the project website, by email, voicemail, and by mail. Instructions on how to provide comment can be found at talk.dot.state.mn.us/rethinking-i94.

The scoping document and environmental assessment worksheet can be viewed at the project website and hard copies and printed comment forms will be available during business hours at the following locations:

• MnDOT Central Office, Library – Room 175: 395 John Ireland Boulevard, St. Paul.

• MnDOT Metro District: 1500 County Road B2 W, Roseville.

• Minneapolis City Hall: 350 S 5th St, Minneapolis.

• St. Paul City Hall: 15 W Kellogg Blvd, St. Paul.

• Minneapolis Central Library: 300 Nicollet Mall, Minneapolis.

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How climate change and human psychology make this US cold snap feel so harsh

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By SETH BORENSTEIN and M.K. WILDEMAN

The brutally frigid weather that has gripped most of America for the past 11 days is not unprecedented. It just feels that way.

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The first quarter of the 21st century was unusually warm by historical standards – mostly due to human-induced climate change – and so a prolonged cold spell this winter is unfamiliar to many people, especially younger Americans.

Because bone-shattering cold occurs less frequently, Americans are experiencing it more intensely now than they did in the past, several experts in weather and behavior said. But the longer the current icy blast lasts – sub-freezing temperatures are forecast to stick around in many places — the easier it should become to tolerate.

“We adapt, we get used to things. This is why your first bite of dessert is much more satisfying than your 20th bite,” Hannah Perfecto, who studies consumer behavior at Washington University in St. Louis, wrote in an email. “The same is true for unpleasant experiences: Day 1 of a cold snap is much more a shock to the system than Day 20 is.”

‘Out of practice’ because of recent mild winters

Charlie Steele, a 78-year-old retired federal worker in Saugerties, New York, considers himself a lover of cold weather. In the recent past, he has gone outside in winter wearing a T-shirt and shorts, and has even walked barefoot in the snow. But this January’s deep-freeze is “much, much colder than anything I can remember,” he said.

Steele’s sense of change is backed up data.

There have been four fewer days of subfreezing temperatures in the U.S. per year, on average, between 2001 and 2025 than there were in the previous 25 years, according to data from Climate Central. The data from more than 240 weather stations also found that spells of subfreezing temperatures have become less widespread geographically and haven’t lasted as long — until this year.

In Albany, about 40 miles from Steele, the change has been more pronounced than the national average, with 11 fewer subfreezing days in the last 25 years than the previous quarter century.

FILE – Pedestrians walk down Fifth Avenue during a winter storm Jan. 25, 2026, in New York. (AP Photo/Heather Khalifa, File)

“You’re out of practice,” Steele said. “You’re kind of lulled into complacency.”

Coldest week someone under 30 may have felt

Climate change has shifted what people are used to, said several climate scientists, including Daniel Swain of the University of California’s Water Resources Institute.

“It’s quite possible that for anybody under the age of 30, in some spots this may well be the coldest week of their life,” Swain said.

Jennifer Francis, a climate scientist at the Woodwell Climate Research Center in Falmouth, Massachusetts, said, “humans get used to all kinds of things — city noise, stifling heat, lies from politicians, and winter cold. So when a ‘normal’ cold spell does come along, we feel it more acutely.”

FILE – Rafael Tavares digs his car, which was encased about 20 inches of snow, during a winter storm Jan. 26, 2026, in Lawrence, Mass. (AP Photo/Charles Krupa, File)

We forget how cold it used to be

People forget how extreme cold feels after just two to eight years of milder winters, according to a 2019 study in the journal Proceedings of the National Academy of Sciences. Americans have gone through a much longer stretch than that.

Over the past 30 years, the average daily low in the continental U.S. has dropped below 10 degrees 40 times, according to meteorologist Ryan Maue, former chief scientist for the National Oceanic and Atmospheric Administration. But in the preceding 30 years, that chilly threshold was reached 124 times.

“People have forgotten just how cold it was in the 20th century,” Texas A&M University climate scientist Andrew Dessler said.

FILE – A person carries grocery bags up a residential street during a winter storm Jan. 25, 2026, in Cincinnati. (AP Photo/Joshua A. Bickel, File)

Their wake-up call came late last month, when the country’s average daily low dipped below 10 degrees three times in one week.

Regardless of how it feels, extremely cold weather presents dangers. People and vehicles slip on ice, power can go down, leaving people freezing in homes, and storms limit visibility, making commuting to work or even doing basic errands, potentially perilous. More than 110 deaths have been connected to the winter storms and freezing temperatures since January.

Shaking off our cold ‘rustiness’

As this winter’s frigid days stretch on, people adapt. University of San Diego psychiatrist Thomas Rutledge said people shake off what he calls their “weather rustiness.”

Rutledge explained what he meant via email, recalling the period decades ago when he lived in Alaska. “I assumed that everyone was a good driver in winter conditions. How couldn’t they be with so much practice?” he wrote. “But what I annually observed was that there was always a large spike in car accidents in Alaska after (the) first big snowfall hit. Rather than persistent skills, it seemed that the 4-6 months of spring and summer was enough for peoples’ winter driving skills to rust enough to cause accidents.”

FILE – Vehicles travel eastbound on Interstate 20 near a sign advising motorists of icy conditions during a winter storm Jan. 24, 2026, in Dallas. (AP Photo/Julio Cortez, File)

That’s Alaska. This cold snap hit southern cities such as Dallas and Miami, where it’s not just the people unaccustomed to the cold. Utilities and other basic infrastructure are also ill-equipped to handle the extreme weather, said Francis of the Woodwell Climate Research Center.

While this ongoing cold snap may feel unusually long to many Americans, it isn’t, according to data from 400 weather stations across the continental U.S. with at least a century of record-keeping, as tracked by the Southeast Regional Climate Center.

Only 33 of these weather stations have recorded enough subzero temperatures  since the start of 2026 to be in the top 10% of the coldest first 32 days of any year over the past century.

FILE – A pedestrian crosses the street near Radio City Music Hall during a winter storm Jan. 25, 2026, in New York. (AP Photo/Heather Khalifa, File)

When Steele moved to the Hudson Valley as a toddler in 1949, the average daily low temperature over the previous 10 winters was 14.6 degrees (minus 9.7 degrees Celsius). In the past 10 years, the average daily low was 20.8 degrees.

As a younger man, Steele used to hunt in winter and sit for hours on cold rocks.

“I could never do that now,” he said. “I’m rusty. I’m out of practice.”

The Associated Press’ climate and environmental coverage receives financial support from multiple private foundations. AP is solely responsible for all content. Find AP’s standards for working with philanthropies, a list of supporters and funded coverage areas at AP.org.

Clintons finalize agreement to testify in House Epstein probe, bowing to threat of contempt vote

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By STEPHEN GROVES

WASHINGTON (AP) — Former President Bill Clinton and former Secretary of State Hillary Clinton finalized an agreement with House Republicans Tuesday to testify in a House investigation into Jeffrey Epstein this month, bowing to the threat of a contempt of Congress vote against them.

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Hillary Clinton will testify before the House Oversight Committee on Feb. 26 and Bill Clinton will appear on Feb. 27. It will mark the first time that lawmakers have compelled a former president to testify.

The arrangement comes after months of negotiating between the two sides as Republicans sought to make the Clintons a focal point in a House committee’s investigation into Epstein, a convicted sex offender who killed himself in a New York jail cell in 2019, and Ghislaine Maxwell, his former girlfriend.

“We look forward to now questioning the Clintons as part of our investigation into the horrific crimes of Epstein and Maxwell, to deliver transparency and accountability for the American people and for survivors,” Rep. James Comer, the chair of the House Oversight Committee, said in a statement.

For months, the Clintons resisted subpoenas from the committee, but House Republicans — with support from a few Democrats — had advanced criminal contempt of Congress charges to a potential vote this week. It threatened the Clintons with the potential for substantial fines and even prison time if they had been convicted.

Even as the Clintons bowed to that pressure, the negotiating between GOP lawmakers and attorneys for the Clintons was marked by distrust as they wrangled over the details of the deposition. They agreed to have the closed-door depositions transcribed and recorded on video, Comer said.

But the belligerence is likely to only grow as Republicans relish the opportunity to grill longtime political foes under oath.

Clinton, like a number of other high-powered men, had a well-documented relationship with Epstein in the late 1990s and early 2000s. He has not been accused of wrongdoing in his interactions with the late financier.

Both Clintons have said they had no knowledge that Epstein was sexually abusing underage girls.

The Clintons initially argued the subpoenas for their testimony were invalid and offered to submit sworn declarations on their limited knowledge of Epstein’s crimes. But as Comer threatened to proceed with contempt of Congress charges, they began looking for an off-ramp.

Both Clintons have remained highly critical of how Comer has handled the Epstein investigation and argue that he is more focused on bringing them in for testimony rather than holding the Trump administration accountable for how it has handled the release of its files on Epstein.

Still, the threat of a vote on contempt charges raised the potential for Congress to use one of its most severe punishments against a former president for the first time. Historically, Congress has shown deference to former presidents. None has ever been forced to testify before lawmakers, although a few have voluntarily done so.