By JOSH BOAK, Associated Press

WASHINGTON (AP) — More people are falling behind on paying their bills to keep on the lights and heat their homes, according to a new analysis of consumer data — a warning sign for the U.S. economy and another political headache for President Donald Trump.

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Past due balances to utility companies jumped 9.7% annually to $789 between the April-June periods of 2024 and 2025, said The Century Foundation, a liberal think tank. The increase has overlapped with a 12% jump in monthly energy bills during the same period.

Consumers usually prioritize their utility bills along with their mortgages and auto debt, said Julie Margetta Morgan, the foundation’s president. The increase in both energy costs and delinquencies may suggest that consumers are falling behind on other bills, too.

“There’s a lot of information out there about rising utility costs, but here we can actually look at what that impact has been on families in terms of how they’re falling behind,” Margetta Morgan said.

Troubles paying electricity and natural gas bills reflect something of an economic quandary for Trump, who is promoting the buildout of the artificial intelligence industry as a key part of an economic boom he has promised for America. But AI data centers are known for their massive use of electricity, and threaten to further increase utility bills for everyday Americans.

These troubles also come as Trump faces political pressure from voters fed up with the high cost of living.

Ever since Republicans saw their fortunes sag in off-year elections this month and affordability was identified as the top issue, Trump has been trying to convince the public that prices are falling. Fast-rising electricity bills could be an issue in some congressional battlegrounds in next year’s midterm elections.

Trump has put a particular emphasis on prices at the pump. Gasoline accounts for about 3% of the consumer price index, slightly less than the share belonging to electricity and natural gas bills — meaning that possible savings on gasoline could be more than offset by higher utility bills.

The president maintains that any troubling data on inflation is false and that Democrats are simply trying to hurt his administration’s reputation.

“In fact, costs under the TRUMP ADMINISTRATION are tumbling down, helped greatly by gasoline and ENERGY,” Trump posted on social media Friday. “Affordability is a lie when used by the Dems,”

Nearly 6 million households have utility debt “so severe” that it will soon be reported to collection agencies, according to the foundation’s analysis, drawn from the University of California Consumer Credit Panel.

During Trump’s first six months in office, there was a 3.8% increase in households with severely overdue utility bills.

“Voters are frustrated and families are hurting because these tech giants are cutting backroom deals with politicians, and it’s causing their power bills to go up,” said Mike Pierce, executive director of the advocacy group Protect Borrowers, which contributed to the analysis. “If the Trump administration doesn’t want to do its job and protect families and make life more affordable, I guess that’s its choice.”

Both Margetta Morgan and Pierce previously worked at the Consumer Financial Protection Bureau, a government agency formed in part to track trends in household borrowing to prevent potential abuses. The Trump administration has essentially shut down the bureau.

The administration has so far said it has no responsibility for any increases in electricity prices, since those are often regulated by state utility boards. The White House maintains that utility costs are higher in Democratic states that rely on renewable forms of energy.

“Electricity prices are a state problem,” Treasury Secretary Scott Bessent told ABC News this month. “There are things that the federal government can control. Local electricity prices are not one of them.”

The Century Foundation analysis counters that the Trump administration is contributing to higher utility costs “by impeding renewable energy generation” including solar and wind power.

While the new analysis is a warning sign, other economic analyses on consumers suggest their finances are stable despite some emerging pressures.

The New York Federal Reserve has said delinquency rates of 90 days or more for mortgages, auto loans and student debt have each increased over the past 12 months, though it said mortgage delinquencies are “relatively low.” An analysis of debit and credit card spending by the Bank of America Institute showed that consumers’ “overall financial health looks sound.”

After nearly pulling off in incredible escape act on Sunday afternoon at U.S. Bank Stadium, the Vikings ended up getting exactly what they deserved in a heartbreaking 19-17 loss to the Chicago Bears.

Though they managed to take the lead in the final minute thanks to an impressive drive from J.J. McCarthy, the Vikings had no business beating the Bears with how poorly they played throughout the game.

It was another rough outing for McCarthy as he continues to struggle through what can kindly be considered growing pains. Is he salvageable? That’s a question that Vikings are going to have to start asking themselves if his poor play continues.

Here are some takeaways from the game:

J.J. McCarthy’s accuracy is a problem

As he reflected on his performance after the game, McCarthy gave a blunt assessment of himself, acknowledging that he needs to be more accurate if the Vikings are going to have any chance of success.

He’s spot on.

The accuracy was an issue for McCarthy through his first month as a starter for the Vikings and it didn’t get any better as he only completed 16 of 32 passes for 150 yards, a touchdown, and a pair of interceptions.

As bad as the misses from McCarthy looked bad in real time, they looked even worse after watching the film. There were players running wide open down the field on multiple occasions and he never even gave them a chance.

There’s no excuse for missing some of the throws McCarthy missed throughout the game. If it doesn’t improve dramatically over the next couple of months, difficult conversations will need to be had sooner rather than later.

Kevin O’Connell called a good game

A vocal minority of the fan base wanted to take play calling away from Kevin O’Connell last weekend. He responded to that nonsense by consistently putting McCarthy in a place to succeed this weekend.

There was a healthy dose of Aaron Jones and Jordan Mason in the run game, which, in turn, set up different looks in the pass game. The only problem was that McCarthy consistently missed some of the easy throws that were there to be made.

There was the misfire to Jordan Addison deep down the field off of play action. There was the misfire to T.J. Hockenson up the sideline with nobody around him. There was the misfire to Justin Jefferson on a mismatch that was perfectly schemed up.

There’s only so much O’Connell can impact the game from the sideline. If anybody walks away from that game criticizing him for his play calling, they are intentionally focusing on the wrong things.

Jordan Addison had a costly drop

With the Vikings trying to take control of the game in the early stages, McCarthy stepped up in the pocket, then fired down the field Addison, who was running wide open over the middle following a crisp route.

It should have been a big play that moved the chains and helped put the Vikings in scoring position. It ended up going down as a missed opportunity and Ryan Wright came on to punt.

Maybe things would’ve played out differently if Addison hadn’t recorded a drop on a play that absolutely should’ve resulted in a catch. There was also another uncharacteristic drop from Addison that stopped a drive in its tracks

Asked about both of his drops after the game, Addison lamented his mistakes, adding that he needs to be better for McCarthy moving forward. The same thing can be said about McCarthy, however, when looking at all of his plays in the aggregate.

The defense needs to force turnovers

It wouldn’t be fair to place too much blame on the defense considering how effectively it was able to keep Caleb Williams out of a rhythm. He never seemed comfortable because of the way the defense was playing on the other end.

Though he managed to avoid sacks like he was Harry Houdini in his prime, Williams was running for his life for large chunks of the game. That led to some of him only completing 16 of 32 passes for 193 yards, no touchdowns, and no interceptions.

As much as the Vikings were able to bother him inside and outside of the pocket, however, they were not able to turn him over. This is the latest game during which they failed to force a turnover.

It was a strength of the Vikings last season as they led the league in takeaways. It’s been a weakness of the Vikings this season as they haven’t been able to force turnovers at nearly the same rate.

That’s a concerning trend that needs to change.

The special teams giveth and taketh away

The duality of special teams was on display for the Vikings at different stretches throughout the game.

They got a 42-yard punt return by Myles Price that helped provide a spark a pivotal moment. They also allowed a 56-yard kickoff return to Devan Duvernay that contributed to losing the game as time expired.

The good news for the Vikings? It appears Price has a chance to be the best kick returner and punt returner they’ve had in a decade. The bad news for the Vikings? The unit is still very much a work in progress at this point.

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It just got a pinch easier to open a coffee shop in St. Paul, and to add housing above it — but it could get easier still.

The city’s “traditional neighborhood” zoning districts invite, at various intensities, real estate development that combines housing, retail and office uses side-by-side or in a single building, often with apartments built over a restaurant or ground-level storefront. The T1, T2, T3 and T4 districts also include design standards governing everything from windows and trees to block lengths.

The St. Paul City Council on Wednesday approved a longstanding effort to encourage more pedestrian-oriented design in “T districts” while allowing, in some cases, greater height and density under a simplified zoning code. The changes run from mild to meaningful, merging some sections of the zoning code while canceling others outright.

The council’s 7-0 vote was immediately followed by a decision to perform a follow-up zoning study that aims to potentially refashion more of the city’s commercial corridors as mixed-use “T districts,” especially along transit lines.

“We are immediately doing the next step,” said City Council President Rebecca Noecker, addressing fellow council members.

Effort to simplify regulations

Over the years, advocates for affordable housing and mixed-use development have called on the city to simplify regulations and loosen some permitting and design standards within the T districts, while in some cases adding more standards to encourage pedestrian access. The city set out to address those demands through study and outreach that began in 2022, resulting this week in zoning changes that development advocates like Sustain St. Paul have praised for their flexibility.

On Sept. 5, by a vote of 12-0, the St. Paul Planning Commission recommended approval of the staff-driven zoning changes included in the “T district zoning study.” The city council held a public hearing on Nov. 5.

“These common-sense changes will make the ‘T districts’ easier for city staff to administer, and easier for prospective real estate developers (especially regular folks working on small, locally-financed, neighborhood-scale projects) to understand and follow,” wrote Benjamin Werner, a community development manager with Dayton’s Bluff Neighborhood Housing Services, in a letter to the city council.

Werner and others encouraged the city to rezone existing business and transit corridors and expand “T districts” throughout the city, “so that people can open neighborhood-serving businesses like coffeeshops and corner stores in more places without first having to get their property rezoned.”

The council, which voted 7-0 to adopt the new T district zoning study, immediately pivoted to do exactly that, again voting 7-0 to initiate a “T district follow-up and transit corridor zoning study.”

The changes

Among the newly-approved changes:

• Parking: Surface parking in T districts must not be located within 30 feet of a corner.

• Building facade: A section of the code called “building facade articulation” has been renamed “frontage elements,” and now requires a building’s base 30 feet — not just the base 25 feet — facing abutting public streets to “include elements that relate to the human scale at grade … doors, windows, projections, awnings, canopies, porches, stoops, etc.”

• Floor area ratios for affordable housing: The maximum allowed floor area ratios can be increased if at least 10% of the residential units are designated affordable housing for at least 10 years, and leased at or below 60% of area median income, as defined by Minnesota Housing.

• Height: In T districts, a maximum height of 90 feet is already permitted with a conditional use permit, though structures must be stepped back by one foot from all setback lines for every 2½ feet of height over 75 feet. The new code amendments state that “additional building height is permitted when stated in an adopted T District master plan,” and they remove restrictions on height allowances in the river corridor overlay district and within light rail station areas between Lexington Parkway and Marion Street.

• Definitions: The zoning code now tweaks definitions of T1, T2, T3, and T4 districts to emphasize commerce, transit and intensity.

• Until now, for instance, T4 districts allowed “greater transit use” alongside “high-density, mixed-use development.” Under the new definition, T4 districts will be defined as those in which both “more frequent transit service” and reliance on transit make “high-intensity, mixed-use development possible and desirable.”

• Design standards: The new code amendment eliminates existing language that says “in general, it is desirable for each block to include some diversity in housing type, building type and mix of land uses.” It also relaxes standards around block lengths, transitioning from higher to lower density neighborhoods, and using established building facade lines, as well as requiring new buildings on corner lots to be oriented to the corner and two public streets.

• Retail and restaurants: In T1 neighborhoods, any individual retailer within a building may take up no more than 5,000 square feet. In T2-T4 districts, a conditional use permit is required for new construction covering more than 20,000 square feet “to ensure size and design compatibility with the particular location.” Conditional use permits are required in all T districts for restaurants, printing and other factory-style production larger than 15,000 square feet.

• Coffee shops: A conditional use permit is required for a coffee shop or tea house spanning more than 1,500 square feet in floor area in T1 and B1 business districts. The previous threshold was 800 square feet.

• Rental storage: Within a mixed-use building, rental storage may not exceed 15% of the building’s total floor area and may not have storage units on the first floor or at skyway level. In all T districts, the storage facility’s primary entrance, loading areas and freight elevators must not be located within the front third of the building, and may not be shared with other uses.

• Setback restrictions: Up to 40% of the building facade on any lot would be allowed to exceed the maximum setback requirement in order to create outdoor seating, gathering areas or courtyards. Civic and institutional buildings in T1 and T2 districts would be exempt from the maximum front yard setback requirement.

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• Certain setback restrictions would still apply to corner lots near transitway platforms, as well as local heritage preservation sites.

• Height at property lines: Under the new rules, structures adjoining residential districts (RL-H2) at a common property line or alley must be no more than 30 feet high along rear and side lines. They may exceed that requirement if they’re stepped back at a distance equal to the additional height, or if additional building height is permitted in an adopted T district master plan.

• Rooflines: Buildings of two or more stories must include a cornice, parapet or roof overhang in the area between the top floor and highest point of the building.

Today is Monday, Nov. 17, the 321st day of 2025. There are 44 days left in the year.

Today in history:

On Nov. 17, 1968, the last minutes of a tense NFL matchup on NBC between the New York Jets and the Oakland Raiders were preempted by the children’s film “Heidi.” The network received thousands of calls from angry viewers and formally apologized.

Also on this date:

In 1800, Congress held its first session in the partially completed U.S. Capitol building in Washington, D.C.

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In 1869, the Suez Canal opened in Egypt.

In 1973, President Richard Nixon told a gathering of Associated Press managing editors at a televised news conference in Orlando, Florida: “People have got to know whether or not their president is a crook. Well, I’m not a crook.”

In 1989, an estimated 10,000-15,000 Czechoslovakian students demonstrated in Prague against Communist rule; hundreds of thousands joined the protests in the following days. Dubbed the “Velvet Revolution” for its nonviolent nature, the protests led to the resignation of the Communist Party’s leadership on Nov. 28 that year.

In 1997, 62 people, most of them foreign tourists, were killed when militants opened fire at the Temple of Hatshepsut (haht-shehp-SOOT’) in Luxor, Egypt; the attackers were killed by police.

In 2003, Arnold Schwarzenegger, the Austrian-born actor who had become one of America’s biggest movie stars of the 1980s and ’90s, was sworn in as the 38th governor of California.

In 2020, President Donald Trump fired the nation’s top election security official, Christopher Krebs, who had refuted Trump’s unsubstantiated claims of electoral fraud and vouched for the integrity of the vote.

Today’s Birthdays:

Film director Martin Scorsese (skor-SEH’-see) is 83.
Actor-model Lauren Hutton is 82.
Actor-director Danny DeVito is 81.
Basketball Hall of Fame coach Jim Boeheim is 81.
“Saturday Night Live” producer Lorne Michaels is 81.
Basketball Hall of Famer Elvin Hayes is 80.
Film director Roland Joffe is 80.
Actor Stephen Root is 74.
TV host-entertainer RuPaul is 65.
Actor Dylan Walsh is 62.
TV host-model Daisy Fuentes is 59.
R&B singer Ronnie DeVoe (New Edition; Bell Biv DeVoe) is 58.
Actor Rachel McAdams is 47.