Never let a good crisis go to waste: How the Feds could use the collapse of FTX to push a digital currency

FILE PHOTO: Samsung's new Samsung Pay mobile wallet system is demonstrated at its Australian launch in Sydney, June 15, 2016. REUTERS/Matt Siegel/File Photo

Revelations 13:16-17 Also it causes all, both small and great, both rich and poor, both free and slave, to be marked on the right hand or the forehead, so that no one can buy or sell unless he has the mark, that is, the name of the beast or the number of its name.

Important Takeaways:

  • The digital dollar is coming on the back of the FTX collapse
  • The arrest of CEO Sam Bankman-Fried may be the smaller news story coming out of the collapse of FTX…it is clear that those at the Federal Reserve and many in Congress have been salivating for such changes for years. This could be a fig leaf to justify it.
  • The purported remedy instead may be the largest fiscal overhaul since the creation of the Fed.
  • [They will sell you the positive side] an effective end to traditional money laundering, and difficulty for criminals to pay for drugs … an end to counterfeiting
  • Your Social Security, welfare or paycheck would be deposited instantly. Your bank accounts would be synced with the Federal Reserve databases, your movements tracked through transactions, and you would become an asset to the Fed just as much as digitally “printed” dollars.
  • [Negative side] It also can be used to track questionable purchases and donations… Considering the relative efficiency of the IRS, it is entirely probable that the agency could send out audit letters to people for Venmo-ing their friends back for their share of a restaurant bill or taxi ride.
  • Furthermore, the digital dollar likely will coincide with a gradual abolishment of physical cash. [Like] Franklin Roosevelt’s Executive Order 6102 banning most private ownership of gold, your financial autonomy would be at risk.
  • The vulture-like actions by those in power to take advantage of the disaster are both predictable and intentional. After all, to paraphrase Rahm Emanuel: Never let a crisis go to waste.

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Americans give to charity like never before amid pandemic

By Jonnelle Marte

(Reuters) – Hundreds of cars line up before dawn on weekly distribution days for the Forgotten Harvest’s partner food pantries in the metro Detroit area, where visits are up by 50% this year.

The need has grown as the coronavirus pandemic has shut down offices and other businesses. So has the response.

Monetary donations to the food bank are on pace to top last year’s contributions, helping to fund a larger storage space and new mobile distribution sites required to distribute food safely during the crisis.

“The only good thing about this pandemic is that it’s made people care a little bit more about their neighbors,” said Christopher Ivey, director of marketing for Forgotten Harvest, one of the largest food banks in Michigan.

The economic crisis set off by the pandemic has widened the chasm between the “haves” and the “have-nots” in the United States in new ways. People who can work from home, often in higher-income jobs, are comfortable.

But over 20 million Americans rely on unemployment benefits, and hunger and poverty are rising.

The expanded rift has been accompanied by an outpouring of donations to local food banks, crowdfunding campaigns and other aid to financially devastated Americans.

Amazon shareholder Mackenzie Scott’s $4 billion in charitable contributions, announced earlier this month, may be the biggest. But plenty of Americans are also chipping in, donating $10 or $20, some for the first time ever.

Many non-profits have suffered this year as the pandemic shuttered galas and fundraisers. But donations to some small and mid-sized charitable organizations were up 7.6% in the first nine months of 2020 over 2019, according to a recent analysis by the Association of Fundraising Professionals, which tracks nearly 2,500 groups. The number of donors is up by 11.7%.

The trend seems to have continued in December, typically the most active time for charitable giving in the United States, early data show. Charities received $2.47 billion in donations on Dec. 1, the Tuesday after Thanksgiving known as GivingTuesday, up 25% from 2019.

“People are giving like we’ve never seen before,” said Woodrow Rosenbaum, chief data officer for GivingTuesday.

Much of that is coming in small dollar amounts, suggesting that people across the income spectrum are stepping up their contributions, Rosenbaum said.

About 70% of the donations made to campaigns on GoFundMe were under $50 this year, up from 40% in 2019, according to a spokesperson for the fundraising website.

“What we have now is much more collective action,” said Rosenbaum.

America’s Food Fund, started this year, raised over $44 million on GoFundMe, the largest campaign ever on the fundraising website. Long-time programs like the United States Post Office’s Operation Santa, which matches donors with needy families who send letters to a special North Pole address, report unprecedented support.

Jonathan Cummings, executive director for Revive South Jersey, a ministry started in 2012 to tutor English, mentor and provide housing help in local communities, says a “groundswell” of volunteers signed up to deliver food every two weeks after the organization realized that many of the families it supports were struggling to afford groceries.

Giving Tuesday donations tracked by Share Omaha, a Nebraska organization that supports local nonprofits, nearly doubled this year from 2019, to over $3 million, with a third coming from first-time donors. When the group asked for volunteers earlier in the year for packing meals for the homeless and other tasks, it got 700 applications, up from the 200 monthly average.

“Even if people are out of work or furloughed, they want to give back to the community,” said Marjorie Maas, executive director for the organization.

Janette McCabe was one of the hundreds of people waiting in cars before sunrise on the Monday before Christmas in a parking lot in Warren, Michigan, for a Forgotten Harvest food bank distribution.

McCabe and her husband lost their jobs recently and have been relying on food stamps. She has been coming to the food bank distribution for about a month and a half.

“The volunteers are fantastic,” McCabe said. “I don’t know what we would do if we didn’t have them.”

(Reporting by Jonnelle Marte; Additional reporting by Emily Elconin; Editing by Heather Timmons and Dan Grebler)

After devastating flooding, U.S. Midwest farms need more than ‘paper towels’ to recover

A combination of aerial photos show the farm of Richard Oswald near Langdon, Missouri after flooding March 20, 2019 and in the fall of 2018 at right. Courtesy of Richard Oswald/Handout via REUTERS.

By Andrew Hay

(Reuters) – Missouri farmer Richard Oswald needs a lot of help to recover from flooding that left his home and farm looking like a manmade island in an inland sea.

Relief groups are giving tetanus shots and handing out free meals and cleaning supplies near his farm in the Langdon-Rock Port area, about 100 miles (161 km) northwest of Kansas City. But what Oswald really needs is money.

Hit by the worst flooding in living memory, he and thousands of other farmers along the Missouri River will each require hundreds of thousands of dollars in disaster funds or loans to start over.

“The typical response on flood relief is groups like the Red Cross show up with paper towels and rubber gloves and scrub buckets,” said Oswald, 69, who does not expect to be able to get to his home or land for weeks. “The biggest thing farmers need is cash, or ways to access funds.”

‘BOUNCE BACK’

Slammed by a trade war and low commodity prices, Midwest family farms have been in the red and in decline for the last five years. The number of U.S farms fell by 100,000 between 2010 and 2017, according to U.S. Department of Agriculture (USDA) data.

Thousands more will now go under without emergency financial support for flooding, pummeling heartland economies almost entirely dependent on agriculture, farmers and aid groups said.

It is a call federal and state agencies, as well as non-governmental and faith-based relief groups are answering.

President Donald Trump has approved disaster declarations for Nebraska and Iowa, making federal disaster funding available in flood-hit areas. Missouri Governor Mike Parson declared a state of emergency, paving the way for similar actions in his state.

“I know we aim for bringing everything back up to where it was,” said Rosalynn Days-Austin, a USDA emergency coordinator helping direct Federal Emergency Management Agency (FEMA) efforts in flood-affected areas. “Sometimes that’s not always possible, for a variety of reasons, but the goal is definitely to help them bounce back from their loss.”

CASH PREFERRED

Relief groups like Farm Aid are tending to the immediate needs of farmers, distributing tens of thousands of dollars in “emergency grants” – $500 gifts from cash donations that help families pay for things like groceries. After that, the group and its partners advise farming families on how to access federal disaster funds they hope are coming soon.

“What we’re hearing, because of the snowpack and rain and the wet ground, is that farmers are going to be dealing with this throughout the spring. So we’re in it for the long haul,” said Jennifer Fahy, a spokeswoman for the group established by country singer and activist Willie Nelson.

The Evangelical Lutheran Church in America (ELCA) is coordinating a long-term response to get displaced families housed, navigate the red tape of insurance companies and federal agencies and tend to the mental health needs of people who have suffered extreme trauma, said Bishop Brian Maas.

“We have national partners and coalitions within the state,” said Maas, who is asking people to hold off donating more material goods, for now. “There will be stresses because we’ve not done anything of this magnitude.

“Now we have mountains of cleaning supplies and so forth that can’t be used,” Maas said, appealing to people to get back in touch in a month to see how they can donate then. “Cash is the most flexible way to respond.”

‘FEMA IS WORTHLESS’

Another immediate need is feed for livestock.

Relief organization Farm Rescue is collecting donations of hay in the Dakotas and trucking it to farmers whose cattle are starving after their feed stands were submerged in floodwater.

“I don’t know of anything this widespread that has ever affected so many people in our service area,” said Dan Erdmann, a spokesman for the group which helps family farms get through crises ranging from natural disasters to medical emergencies.

Farmworkers, some of them undocumented and legal migrants, have been hit hard. Lutheran Family Services of Nebraska is looking at housing assistance for displaced people who previously paid around $300 a month rent and now face rents triple that due to a dearth in properties, said Stacy Martin, chief executive of the social services charity.

While relief groups tend to urgent needs, farmers like Scott Olson say more federal relief money is needed at a time when low crop prices and high debt levels are limiting farmers’ access to credit. He is counting on a farm relief bill in Congress for extra disaster compensation after he successfully lobbied in Washington for similar funds following 2011 flooding.

“Flood insurance isn’t going to cover this worth a darn. FEMA is worthless,” said Olson, who farms 3,000 acres near Tekamah, Nebraska and runs a farm equipment business. “They don’t have any money, nobody has any money.”

(Reporting by Andrew Hay in New Mexico; Additional reporting by Tom Polansek in Chicago; editing by Bill Tarrant and Lisa Shumaker)

First steps towards a life of giving back

FILE PHOTO: U.S. Agency for International Development (USAID) Administrator Rajiv Shah gestures during the announcement of the U.S. Global Development Lab to help end extreme poverty by 2030, in New York April 3, 2014. REUTERS/Lucas Jackson

By Chris Taylor

NEW YORK (Reuters) – Here is some good news to hold onto this holiday season: Americans are giving more than ever.

Last year, Americans gave a total of $410 billion to worthy causes, according to Giving USA, surpassing $400 billion for the first time ever. And this year’s Giving Tuesday, a charity promotion on the Tuesday after Thanksgiving is seeing pledges already totaling more than $380 million on just that one day, up 27 percent from the year before, according to a survey of major giving portals like Facebook, PayPal and Blackbaud.

Who is helping steer the nation’s charitable dollars, and how did they get there? For the latest in Reuters’ First Jobs series, we talked to a few titans of philanthropy about their first steps towards a life of giving back.

Dr. Rajiv Shah

President, The Rockefeller Foundation

First job: Caddie

I grew up in suburban Detroit, and my first job was as a caddie at the Oakland Hills Country Club in Bloomfield Hills, Michigan. I think I was 15, because I remember I couldn’t drive there on my own yet.

We got paid per bag, per round, plus a tip. My biggest payday was for doing two rounds in a day, both of which involved two bags, so I made $120. I was so excited that when I got home I showed my mom the burn marks on my shoulders, and slapped the cash down on the kitchen counter. I thought I was on top of the world.

My most memorable round was with a local doctor. I had been born with a birth defect of two fingers being stuck together. By chance, I caddied for the doctor who had done the separation procedure, and he recognized his own work when he saw my hand. He made me feel very special.

From that job, I learned that when you do something, give it absolutely everything you’ve got. Show up early, work twice as hard, stay late. I still remember how excited I was to get there early and be one of the first people on the course. A first job like that can shape your mindset about what success looks like. And as a son of an immigrant growing up in Detroit, it was my first time being exposed to a world like that.

Dr. Sue Desmond-Hellmann

CEO, Bill & Melinda Gates Foundation

First job: Pharmacy assistant

When I was a kid, our family moved to Reno so my dad and his business partner could open a family-run pharmacy. I grew up about a mile away from Keystone Pharmacy, which my father ran for many years. Everyone in Reno knew Frank.

He put up with me trailing him around the pharmacy for most of my childhood. Eventually, I became a bookkeeper for the business. My brothers, meanwhile, used to drive around little yellow trucks to make deliveries.

A lot of people think Reno is a strange place to live and work, and I’ve heard every Reno joke there is. But it was actually a wonderful place to grow up, right by the Sierra Nevada mountains. It’s my happy place.

Gerun Riley

President, The Eli and Edythe Broad Foundation

First job: Pizza delivery

My first unpaid job was actually helping my family build our house in Connecticut. At a very early age, I was working nights and weekends, building an addition for our growing family. In the third grade for Show & Tell, I told all my classmates about how to hang drywall.

My first paid job, though, was delivering pizza while I went to university at Bowdoin College in Maine. It required someone who was okay with not having a social life on Friday or Saturday nights, so that was me. I got paid $6 an hour, and the expectation was that there would be tips as well – but since I was mostly delivering to other college students, there wasn’t a lot of that.

I remember I had to drive a bronze Toyota van that spun out a lot and beeped when you backed up. Mostly I delivered to frat houses, so that job forced me to get over my own embarrassment about driving a tacky van and wearing a hokey uniform and doing my job while other people were having fun.

It also taught me to manage my time. I was in neuroscience, and a college athlete, and working 35 hours a week so I could afford clothes and food and books. I had no choice but to be very efficient and thoughtful about how I spent my days.

(Editing by Beth Pinsker and Bernadette Baum)

Soros donation to halt Brexit causes storm in Britain

Business magnate George Soros arrives to speak at the Open Russia Club in London, Britain June 20, 2016.

By Guy Faulconbridge

LONDON (Reuters) – News that billionaire financier George Soros is a backer of a campaign group seeking to keep Britain in the EU added fire to Britain’s Brexit debate on Thursday, with supporters of quitting the bloc accusing opponents of plotting a “coup”.

The Best of Britain campaign group confirmed it had received 400,000 pounds from Soros. Soros, best known in Britain for earning billions betting against the pound in the early 1990s, is the target of a hostile media campaign by the nationalist government in his native Hungary and a hate figure for rightwing campaigners in eastern Europe and the United States.

Best of Britain said it had obeyed all rules on political funding in accepting the donation from Soros.

Prime Minister Theresa May’s office repeated its long-standing position that the decision to leave the EU in 2019 after a vote in 2016 was final and would not be reversed. It also defended the right of campaign groups to accept donations.

The Daily Telegraph newspaper, which first reported Soros’s involvement, said the 87-year-old former hedge fund manager was backing a “secret plot” to stop Brexit. The article was written by Nick Timothy, a former chief of staff to May.

Mark Malloch-Brown, a former British diplomat who is chair of the Best for Britain campaign group, said the group had never hidden its aims, which include staying in the EU.

“George Soros’s foundations have along with a number of other major donors also made significant contributions to our work,” Malloch-Brown said in a statement, confirming Soros had contributed 400,000 pounds through his charitable foundations.

May’s spokesman said: “There are many political and campaign groups in this country, that’s entirely right and as you would expect in a democracy.”

“The prime minister’s position on this matter is clear, the country voted to leave the European Union, that’s what we are going to deliver and there won’t be a second referendum.”

BREXIT REVERSED?

In the United Kingdom’s 2016 referendum, 51.9 percent, or 17.4 million people, voted to leave the EU while 48.1 percent, or 16.1 million people, voted to stay. Both sides accepted large donations from wealthy individuals.

Ever since the shock vote, supporters of EU membership have been exploring an array of different legal and political methods to prevent what they see as the biggest mistake in post-World War Two British history.

Brexiteers say such efforts threaten political stability as they go against the democratic will of 17.4 million people. They have vowed to fight any attempt to stop Brexit.

“The new Soros-led coalition is planning a coup in Britain, against the democratic will of the people,” Richard Tice, who chairs the Leave Means Leave campaign group, told Reuters. “They have been outed and will be defeated.”

May, whose government and party is divided over Brexit, has just eight months to strike a deal with the EU on the terms of Britain’s withdrawal.

Opponents of Brexit hope to focus their efforts on blocking British parliamentary approval for the exit deal, a step that if successful could sink May’s premiership. There is, though, little sign so far of a change in opinion among voters, and the supporters of EU membership lack a popular leader who could unite the disparate groups opposed to Brexit.

Brexiteers such as Nigel Farage say public opposition to Brexit from the likes of former Prime Minister Tony Blair and Goldman Sachs Group Inc <GS.N> Chief Executive Lloyd Blankfein are unlikely to sway British public opinion.

With no deal, Britain would face a disorderly Brexit that many investors fear would imperil Britain’s $2.7 trillion economy, disrupt trade across the world’s biggest trading bloc and undermine London’s position as the only financial centre to rival New York.

($1 = 0.7209 pounds)

(Reporting by Guy Faulconbridge; Editing by Peter Graff)

#MeToo effect: Calls flood U.S. sexual assault hotlines

Volunteers on the National Sexual Assault Hotline work both over the phone and via web chat at the offices of the U.S.'s largest anti-sexual violence organization, the Rape Abuse Incest National Network, in Washington, U.S., January 12, 2018.

By Lisa Lambert

WASHINGTON (Reuters) – The phones at U.S. sexual assault hotlines have been ringing in record numbers as the #MeToo social movement spurs victims to reach out for help, sending organizations scrambling to keep up.

Calls spiked when the movement began in October, with people waiting up to three hours to talk to someone at the country’s largest one, the National Sexual Assault Hotline.

The number of calls to the hotline operated by the Rape, Abuse & Incest National Network (RAINN) surged 25 percent in November from a year earlier, and another 30 percent in December, according to RAINN. Its 209,480 total calls in 2017 were the most for any year since its founding in 1993.

Last fall, actress Alyssa Milano of the television show “Charmed” asked women who had been sexually assaulted or harassed to post “Me Too” in response to allegations made against movie mogul Harvey Weinstein.

Weinstein, accused of sexual abuse by dozens of women, has denied having nonconsensual sexual contact with anyone. Reuters has not been able to independently confirm the accusations.

At the national hotline’s call center, the lights that workers flip on to indicate they are on the phone never seemed to turn off, said Celia Gamboa, a manager at the national hotline. The chat app most callers prefer was flooded with messages, she said. The #MeToo movement almost always came up.

“It wasn’t just a one-time thing,” Gamboa said. “We’re just going to continue to see that type of flow into the future.”

RAINN added 40 employees to its staff of 200 and stepped up volunteer recruiting, said CEO Scott Berkowitz. That has helped chip away at the wait times, he said.

Elsewhere, Network for Victim Recovery of D.C. saw a spike in calls about sexual harassment. Executive Director Bridgette Stumpf said that unfortunately, the center can often only recommend private attorneys for people whose harassment did not include violence, adding such help may be too expensive for many victims.

The DC Rape Crisis Center now sees an average of 70 people a week seeking legal, physical or psychological help, up from 30 to 40 before #MeToo, said Executive Director Indira Henard. It also saw a bump in donations last fall following the #MeToo postings.

“It is for the record books,” Henard said. “I don’t believe there has ever been a time in our history when we talked about sexual violence and its impact this way.”

(Reporting by Lisa Lambert; Editing by Scott Malone and David Gregorio)

Morningside disaster team in Florida – Lives can change in only a day

One home destroyed by Hurricane Irma in Immokalee, Florida,

By Kami Klein

Imagine being a hard working family in a small agricultural town in Florida.  You don’t have much but everyday you give it the best you can. You work hard, you love your family and you support your church.  But then a storm like Hurricane Irma hits and is unlike any storm you can remember.  The town you knew, the job you went to everyday,  your home where your family and friends gathered and the simple vital items such as food and clean water are gone.

This is the fate of thousands of people in Immokalee, Florida, one of the hardest hit communities of Hurricane Irma.  With no power, lack of good drinking water and warm meals for families, the people in this community have been devastated.  At this very moment, the donations you have provided through our Disaster Relief fund  are giving hope and food to hungry people who have lost literally everything.

Yesterday our Morningside team, Mondo DeLaVega, Ricky Bakker, Tammy Sue Bakker, Daina Martin and our camera crew David Zorob, Hamilton Neumann and Adam Armstrong, began handing out the food from our food buckets.  The people stood in line for hours, waiting to fill bags, boxes and buckets up with rice, beans, pancake mix, vegetable stew, milk, banana and apple chips and so much more because of YOUR gifts to the relief effort.  At times, the line seemed never ending, and the experience of seeing so many who were waiting so patiently for help stirred the deepest emotions in the volunteers who were there.  

Another home destroyed by Hurricane Irma in Florida

Another-home-in-florida-damaged-by-Hurricane-Irma

Tammy Sue Bakker attempted to share the emotions that the volunteers were feeling. “If you have a heart, it’s just so hard to talk about it…We’ve got to keep helping people.  We have no choice!”  

Mondo and Tammy Sue agreed that the entire team has been completely changed by this humbling experience, and the needs they have seen from the disaster in Houston and now Florida are surreal.  On a Facebook live message Mondo wanted to deeply impress the great need that is going on all over the world right now.  

“We need your help.  This is not just a one day effort, this is an everyday kind of effort.  People need ministries like this one to give food and supplies.  Every little bit helps here but please, be a part of what we are doing right now.  This food we give today will only last a little while and then these families have to go out to find more.  Pray for this community, the volunteers, donate what you can and please pray for us!”  

The crew has been busy gathering stories and filming the community of Immokalee. The relief effort that is ongoing will be shared soon on The Jim Bakker Show. 

Danny Viera owns the only Christian bookstore in Fr. Myers. He has been coordinating all of the food for this effort.

Danny Viera owns the only Christian bookstore in Fr. Myers. He has been coordinating all of the food for this effort.

Your donations are making a huge impact in this disaster relief effort, but the urgency and the need is quite overwhelming!  We need you!  

So many have asked about our ministry going to help in Puerto Rico.  We are doing all we can to get there.  There are many logistics involved in getting this food to where it needs to go, so we must rely on your compassion and financial generosity to help us get these supplies to those that are starving right now in that country!  

Again, we thank you for your prayers!  Those many people who stood in line yesterday, their arms filled with food for their families when they walked home cannot thank you as they would wish but you are in their grateful prayers tonight!

With so much need around the world right now, it takes all of us to make a difference!  Please be a part of what God is asking us to do now!  

Give your gift today!! 

Corporate donations for Harvey, Irma disaster relief near $225 million

A destroyed house is pictuerd following Hurricane Irma in Ramrod Key, Florida, U.S., September 20, 2017. REUTERS/Carlo Allegri

By Ruthy Munoz

HOUSTON (Reuters) – Corporate donations for Hurricanes Harvey and Irma relief funds totaled nearly $225 million by Friday and pledges continued to be made, the U.S. Chamber of Commerce Foundation said.

Automakers and energy companies, some of them affected by the most powerful storm to hit Texas’ Gulf Coast in 50 years, are among the prominent corporate donors. Texas, the biggest oil-producing state, was pummeled by Harvey when it made landfall as a powerful Category 4 hurricane and proceeded to dump more than 50 inches of rain on the Houston region.

In all, around 90 businesses have donated at least $1 million each, Bailey Jacobs, a spokeswoman for the Chamber of Commerce Foundation.

Phillips 66 donated $4 million, an amount divided among the American Red Cross, Rebuild Texas Fund and United Way of Greater Houston, the company said in a statement. Mining and energy company BHP Billiton PLC’s foundation donated $1.25 million to the American Red Cross, said James Ensor, BHP Billiton Foundation executive officer and president.

Some companies have donated to Rebuild Texas Fund, started by computer magnate Michael Dell in collaboration with OneStar Foundation. It received pledges for $68.6 million as of Friday, according to its website. The fund aims to raise $100 million to rebuild communities in Texas affected by Harvey.

BP donated 200,000 gallons of fuel to the city of Houston and Harris County’s emergency management office to help with clean-up efforts and donated $750,000 for food, water, shelter and health services for flood victims, a spokesman said in a statement.

Automaker Ford Motor Co and its dealers donated more than $3.5 million in disaster relief and $500,000 to the Red Cross, a spokesman said in a statement. Chevrolet, a division of General Motors Co, donated $1 million to Habitat for Humanity, said spokesman James Cain. Ford, Fiat Chrysler Automobiles , GM and Hyundai Motor Co offered discounts for customers needing to replace flooded vehicles, the companies said in separate releases.

Donations also are being funneled to storm-hit areas of Florida and the Caribbean.

“Companies are tailoring their responses to each disaster to ensure they are supporting the communities in need,” said Chamber of Commerce Foundation spokesman Marc DeCourcey.

Celebrities contributing to hurricane relief efforts include Houston Texans’ football player J.J. Watt, actor Sandra Bullock, and singers Beyonce Knowles and Janet Jackson. Watt’s Houston Flood Relief Fund had $37 million worth of pledges on Friday, bringing the total of corporate and celebrity donations to over $300 million.

(Reporting by Ruthy Munoz; Editing by Marcy Nicholson and Leslie Adler)