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NYTimes BusinessSep 20, 2019
China Detains FedEx Pilot Amid Rising U.S.-China Tensions
The seizure of the pilot, based on an object in his luggage, marks the latest in a series of difficulties for American travelers and companies.

Google Business NewsSep 20, 2019
World set for biggest day of climate demonstrations in history - CNN
World set for biggest day of climate demonstrations in history  CNN'It's our future that's at stake': US students plan to skip school Friday to fight climate 'emergency'  USA TODAYGreta Thunberg and George Monbiot make short film on the climate crisis  Guardian NewsOpinion: Why the youth climate strike has to take on racial justice  Los Angeles TimesA global climate strike isn't enough | TheHill  The HillView full coverage on Google News

Reuters Company NewsSep 20, 2019
PRESS DIGEST-New York Times business news - Sept 20
The following are the top stories on the New York Times business pages. Reuters has not verified these stories and does not vouch for their accuracy.

Google Business NewsSep 20, 2019
Exclusive: iOS 13's Hidden 'Items' Tab for 'Apple Tags' Revealed - Mac Rumors
Exclusive: iOS 13's Hidden 'Items' Tab for 'Apple Tags' Revealed  Mac RumorsiPhone 11 Pro Review: For the Love of Cameras!  Marques Brownlee19 Things You Can Do in iOS 13 That You Couldn't Before  GizmodoThis hidden iOS 13 feature is so useful, so why has it taken Apple so long to add it?  TechRadarIs Apple Arcade Worth Getting? - IGN  IGNView full coverage on Google News

MarketWatchSep 20, 2019
Casino in talks with Aldi to sell discount chain leader price
The talks, which started after Aldi sent an expression of interest for Leader Price, are aimed at the submission of a binding offer, Casino said.

FT.com - Financial MarketsSep 19, 2019
Investors flocked to equities ahead of Fed rate cut
Weekly inflows to US equity funds the highest in six months

RELATED ARTICLES
3 things NOT to do with your savings now that the Fed has cut interest rates - msnNOW (Google Business News)

Reuters Company NewsSep 19, 2019
US STOCKS-Wall Street mixed as Microsoft climbs and Apple dips
* Indexes end: Dow -0.19%, S&P 500 flat, Nasdaq 0.07% (Updates to close)

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US STOCKS SNAPSHOT-Wall Street ends mixed as Microsoft, Apple offset (Reuters Company News)
Cannabis Watch: Alliance Global starts coverage of 4 cannabis stocks with buy ratings but not all gain (MarketWatch)

Google Business NewsSep 19, 2019
Facebook CEO Zuckerberg meets with Trump, key senators on DC swing - Fox News
Facebook CEO Zuckerberg meets with Trump, key senators on DC swing  Fox NewsSenators gave Facebook's Zuckerberg 'an earful' at dinner in DC  Yahoo FinanceSenate tech critic to Facebook CEO: Sell WhatsApp, Instagram  The Associated PressFacebook's Zuckerberg says there 'clearly was bias' in controversy over 'censorship' of pro-life group Live...  Fox NewsOne of Zuckerberg's top critics in Congress says he told him to sell Instagram and WhatsApp  CNBCView full coverage on Google News

Wall Street Journal US BusinessSep 19, 2019
China Detains Former U.S. Air Force Pilot Flying for FedEx
Chinese authorities have detained a FedEx Corp. pilot in the southern city of Guangzhou, elevating pressure on the express shipping company, which is already in Beijing's crosshairs amid a U.S.-China trade war.

SEC.gov Updates: News DigestSep 19, 2019
4 - UV PARTNERS IV FINANCIAL INSTITUTIONS FUND LP (0001452739) (Reporting)
2019-09-19 0000899243-19-023974 53 KB

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4 - UV PARTNERS IV-A LP (0001452738) (Reporting) (SEC.gov Updates: News Digest)

Wall Street Journal US BusinessSep 19, 2019
Behind the GM-UAW Strike: Two Combatants With Something to Prove
GM wants to show Wall Street it is more assertive than the company that collapsed into bankruptcy a decade ago. The union is confronting membership declines, a federal corruption investigation and dissent from within. Both sides face pressure from President Trump.

SEC.gov Updates: News DigestSep 19, 2019
4 - Baker Brothers Life Sciences LP (0001363364) (Reporting)
2019-09-19 0001638599-19-000873 16 KB

Reuters Company NewsSep 19, 2019
GLOBAL MARKETS-Shares edge up after Fed rate cut, oil prices gain
* Wall Street closes little changed, S&P 500 closer to new high

RELATED ARTICLES
Market Snapshot: Stocks lose steam to end near unchanged after S&P 500 nears record territory (MarketWatch)
Market Extra: How the stock market tends to perform after back-to-back Fed rate cuts (MarketWatch)

Knowledge@WhartonSep 19, 2019
The ‘Trust Deficit' at the Heart of the GM Strike
Striking GM workers are seeking to win back concessions the UAW made to the automaker during the Great Recession. But it will be tough for the two sides to come together, experts said.

Reuters BusinessSep 19, 2019
Economy hopes support shares, oil edges up on Mideast tensions
Asian share prices inched higher on Friday as economic stimulus around the world eased fears over slowing growth, while crude oil prices climbed on concerns that last weekend's attacks on Saudi Arabia's oil facilities still pose supply risks.

RELATED ARTICLES
GLOBAL MARKETS-Economy hopes support shares, oil edges up on Mideast tensions (Reuters Company News)
Asian shares gain on economy hopes, oil edges up on Mideast tensions (Reuters Business)

FT.com - Financial MarketsSep 19, 2019
Stripe valued at $35bn in new funding round
Payments group moves into small business lending as fintech competition heats up

RELATED ARTICLES
U.S. fintech startup Stripe valued at $35 bln in latest funding round (Reuters Company News)

FT.com - USSep 19, 2019
Investors take out record number of options to trade ‘no-deal' Brexit
Boom in traders seeking to hedge against or speculate on moves in UK bond market

Google Business NewsSep 19, 2019
Growth Stocks Try To Climb Wall Of Fear - Investor's Business Daily
Growth Stocks Try To Climb Wall Of Fear  Investor's Business DailyHow to cook the Impossible Burger  CNETImpossible Foods is entering the fake meat grocery game  Yahoo FinanceWatch Stephen Colbert's Commercial for ‘Implausible Burgers'  EaterAlternative Meats Are Having a Moment—We Break Down the Different Types to Cut Through the Confusion  msnNOWView full coverage on Google News

MarketWatchSep 19, 2019
Personal Finance Daily: What NOT to do with your savings as interest rates fall and another state rolled out a free-college plan
Thursday's top personal finance stories

MarketWatch MarketPulseSep 19, 2019
U.S. leading economic indicator index flat in August, trends point to continued but slow growth
The leading economic index was flat in August after a big gain in the prior month, the Conference Board said Thursday. The recent performance of the index is consistent with "a slow but still expanding economy," said Ataman Ozyildirim, senior director for economic research at the Conference Board. Strength in housing permits and credit growth offset weakness from manufacturing.

Market Pulse Stories are Rapid-fire, short news bursts on stocks and markets as they move. Visit MarketWatch.com for more information on this news.



Google Business NewsSep 19, 2019
The United Auto Workers' last stand - Washington Examiner
The United Auto Workers' last stand  Washington ExaminerBehind the GM-UAW Strike: Two Combatants With Something to Prove  The Wall Street JournalGM drops health coverage for Spring Hill, other union workers amid strike  NewsChannel 5Trump spokeswoman: Health care will be 'big' selling point for union workers | TheHill  The HillGM promises UAW 5,400 jobs, $7B in US investment: What it means  Detroit Free PressView full coverage on Google News

Google Business NewsSep 19, 2019
iPhone 11 and 11 Pro launch: Apple fanatics line up around the globe - CNET
iPhone 11 and 11 Pro launch: Apple fanatics line up around the globe  CNETThis in-depth review of the iPhone 11 Pro's best new feature is jaw-dropping  BGRBest iPhone 11 Pro and iPhone 11 Pro Max cases  TechRadariPhone 11, iPhone 11 Pro - Hands On Review  Digital TrendsApple's iPhone 11 Pro cameras are the best ever on a smartphone  Yahoo FinanceView full coverage on Google News

Reuters Company NewsSep 19, 2019
PRESS DIGEST-British Business - Sept 20
The following are the top stories on the business pages of British newspapers. Reuters has not verified these stories and does not vouch for their accuracy.

Google Business NewsSep 19, 2019
Jeff Bezos unveils ambitious set of Amazon projects to take on climate change - CNET
Jeff Bezos unveils ambitious set of Amazon projects to take on climate change  CNETJeff Bezos unveils sweeping plan to tackle climate change  CNBCAmazon will order 100,000 electric delivery vans from EV startup Rivian, Jeff Bezos says  The VergeJeff Bezos Pledges to Meet Paris Climate Deal 10 Years Early  Bloomberg TicTocJeff Bezos promises Amazon will hit carbon neutrality 10 years early  AxiosView full coverage on Google News

Google Business NewsSep 19, 2019
Auto Workers Are Free From UAW - The Wall Street Journal
Auto Workers Are Free From UAW  The Wall Street JournalGM drops health coverage for Spring Hill, other union workers amid strike  NewsChannel 5'What is a picket line?' and answers to other GM strike questions  Detroit Free PressGM promises UAW 5,400 jobs, $7B in US investment: What it means  Detroit Free PressOne big lesson from the General Motors strike  NJ.comView full coverage on Google News

CNBC FinanceSep 19, 2019
Even if the Fed doesn't deliver more rate cuts, strategist Art Hogan sees stocks breaking records
The market "all of the sudden" seems more rational in September than in August, National Securities' Art Hogan says.

RELATED ARTICLES
Fed Cuts Rate To Keep Economy Strong, Chairman Powell Says (NPR Topics: Business)

Reuters Company NewsSep 19, 2019
GLOBAL MARKETS-Asian shares gain on economy hopes, oil edges up on Mideast tensions
Asian share prices inched higher on Friday as economic stimulus around the world eased fears of economic deceleration while crude oil prices climbed on concerns that last weekend's attacks on Saudi Arabia's oil facilities still pose supply risks.

Reuters Company NewsSep 19, 2019
UPDATE 3-Facebook CEO Zuckerberg meets Trump, seeks to mend fences in Washington
Facebook's Mark Zuckerberg met with President Donald Trump on Thursday during a fence-mending visit to Washington where the chief executive faced aggressive questioning from lawmakers about the social network's failures to protect consumer privacy.

CNBC BusinessSep 19, 2019
Cramer's lightning round: Buy AT&T right here, right now
Jim Cramer takes calls and delivers thoughts on the stocks of DocuSign, AT&T, Revolve and more.

Google Business NewsSep 19, 2019
The Mate 30 is a moment of truth for Huawei - TechCrunch
The Mate 30 is a moment of truth for Huawei  TechCrunchHuawei unveils its new 5G flagship phone without Google-licensed apps  CNBCHuawei's hilariously bad new phones  Washington ExaminerOpinion: Huawei Mate 30 Android situation is an opportunity - it's Google who should worry  TrustedReviewsHuawei's Mate 30 phones lack Google services  BBC NewsView full coverage on Google News

Reuters Company NewsSep 19, 2019
UPDATE 2-Embattled Facebook CEO Zuckerberg seeks to mend fences in Washington
Facebook Chief Executive Mark Zuckerberg has met with some of his company's toughest critics, facing aggressive questions over the social network's failures to protect consumer privacy and a call on Thursday to sell WhatsApp and Instagram.

KiplingerSep 19, 2019
7 ‘Strong Buy' Oil Stocks to Buy Now
Oil stocks have been put through the volatility wringer of late.

On Sept. 14, drones attacked a key processing facility in Abqaiq as well as an oil field in Khurais, temporarily knocking out about 5.7 million barrels of Saudi daily production. That represents half of Saudi Arabia's output and approximately 5% of global oil supply, so unsurprisingly, the news sent U.S. crude oil prices soaring by almost 15% on Sept. 16 - the largest gain in more than 30 years.

But a day later, oil pulled back nearly 6% following Saudi Energy Minister Prince Abdulaziz bin Salman's announcement that the country's oil production will be back at normal levels by the end of September. Crude closed another 2% lower Sept. 18.

Was this merely a quick flash in the pan for energy investors? Maybe. But heightened regional tensions still could bode well for oil prices in the coming months. And Citi analysts argue that the attacks highlight a fundamental problem for the kingdom's oil production. "No matter whether it takes Saudi Arabia five days or a lot longer to get oil back into production, there is but one rational takeaway from this weekend's drone attacks on the Kingdom's infrastructure - that infrastructure is highly vulnerable to attack, and the market has been persistently mispricing oil," they write.

Here are seven analyst-loved oil stocks to buy in this volatile energy environment. Here, we've used TipRanks' stock screener to find energy stocks that have earned a Strong Buy consensus rating from the analyst community over the past three months. We'll examine each one, including price targets and what the pros are saying about their potential.

SEE ALSO: 25 Dividend Stocks That Analysts Love the Most


Google Business NewsSep 19, 2019
Tulsi Gabbard says U.S. should re-enter Iran nuclear deal, end sanctions in response to Saudi Arabia drone ... - Fox News
Tulsi Gabbard says U.S. should re-enter Iran nuclear deal, end sanctions in response to Saudi Arabia drone ...  Fox NewsExpert on why Saudi Arabia won't explicitly blame Iran for attacks: 'They would be toast'  Fox NewsExclusive: Zarif threatens 'all-out war' in case of military strike on Iran  CNNThe End of Saudi Arabia's Illusion  The New York TimesThe escalating crisis with Iran is Trump's self-inflicted wound  The Washington PostView full coverage on Google News

RELATED ARTICLES
RPT-COLUMN-Oil traders reassess interruption of Saudi output: Kemp (Reuters Company News)

Washington Post BusinessSep 19, 2019
Amazon CEO Jeff Bezos announces ‘Climate Pledge' ahead of employee protests
It would require companies to implement decarbonization strategies in line with the Paris agreement and calls on signatories to be at net zero carbon across their businesses by 2040.

Google Business NewsSep 19, 2019
Watch Tulane's Jalen McCleskey Stun Houston with Epic Game-Winning TD - Bleacher Report
Watch Tulane's Jalen McCleskey Stun Houston with Epic Game-Winning TD  Bleacher ReportHouston vs. Tulane odds, best predictions: 2019 college football picks from model on 30-10 run  CBS SportsTulane will take its time, and Thursday's college football bets you need to make in Week 4  Covers.comCougars blow big lead, fall to Tulane on TD in final seconds  ChronWATCH: Tulane tricks with fake kneel down, scores thrilling TD in final seconds to shock Houston  CBS SportsView full coverage on Google News

RELATED ARTICLES
'Multiple' people shot on streets of Washington, local media report - CNBC (Google Business News)

Forbes HeadlinesSep 19, 2019
Warnings Issued For Millions Of iOS 13 iPhone Upgraders
Apple's biggest release of the year is plagued with problems and iPhone owners need to stay away...

Reuters Company NewsSep 19, 2019
UPDATE 2-Wildfire victims in PG&E bankruptcy to present $24 bln reorganization plan
The committee for wildfire victims in the bankruptcy of PG&E Corp said in a court filing on Thursday it was prepared to present a $24 billion reorganization plan for the power provider.

RELATED ARTICLES
Airbnb plans to go public in 2020 - Engadget (Google Business News)

MarketWatchSep 19, 2019
The Tell: This data analysis is blowing minds in the finance world — and could change how you invest
Dollar-cost averaging has long been espoused by the likes of Warren Buffett and Benjamin Graham as a savvy way to mitigate risk and build a portfolio by investing a fixed amount of cash regularly over a period of time. But is that tried-and-true approach better than putting a lump sum to work all in one leap into equities? Or even fixed income?

Reuters BusinessSep 19, 2019
Trump adviser says U.S. president ready to escalate trade war if no deal agreed soon: SCMP
A trade adviser to Donald Trump has said the U.S. president is ready to escalate the ongoing trade war with China if a trade deal is not agreed soon, the South China Morning Post reported on Thursday.

Washington Post BusinessSep 19, 2019
Trump says Fed Chair Jerome Powell's job is ‘safe' after slamming him for having ‘no guts'
When asked directly about the Federal Reserve chief, the president responded with rare ambivalence: "Yeah, it's safe. I mean, sure. Why not?"

RELATED ARTICLES
Project Syndicate: Powell's dilemma: Easing offsets trade uncertainty, but invites more of the same from Trump (MarketWatch)

FT.com - USSep 19, 2019
Trump's trade war puts car seat maker in a bind
Britax's dilemma illustrates the unintended consequences of Chinese tariffs

Wall Street Journal US BusinessSep 19, 2019
Fed Chairman Powell Masters the Art of Saying Nothing
By refusing to elaborate on what the Fed will do next, Chairman Jerome Powell leaves less room for misinterpretation and forces the market to think for itself.

Google Business NewsSep 19, 2019
Teen Charged In Fatal Stabbing Of Student That Dozens Filmed, Shared On Social Media - NPR
Teen Charged In Fatal Stabbing Of Student That Dozens Filmed, Shared On Social Media  NPRAn 18-year-old suspect has been arrested and charged in the stabbing death this week of Khaseen Morris, who died surrounded by a crowd of students taking ...

View full coverage on Google News


Reuters BusinessSep 19, 2019
FAA waiting for more software details before 737 MAX can return to service
Boeing Co still has a series of steps to complete before the 737 MAX can return to service, including submitting a pre-production version of a software update, Federal Aviation Administration chief Steve Dickson said.

FT.com - Financial MarketsSep 19, 2019
Asia stocks tick higher amid dovish central bank signals
Man Group's AHL unit is among those nursing losses from September sell-off

Washington Post BusinessSep 19, 2019
House passes short-term spending bill, punting shutdown fight to November
The legislation extending government funding through Nov. 21 is expected to pass Senate next week

RELATED ARTICLES
Missing: Nearly 3 billion birds that used to live in North America - Los Angeles Times (Google Business News)

Google Business NewsSep 19, 2019
Tropical Storm Jerry Becomes a Hurricane Just After Humberto Grazes Bermuda - The New York Times
Tropical Storm Jerry Becomes a Hurricane Just After Humberto Grazes Bermuda  The New York Times'They're forming like roaches.' The 6 tropical storms whirling at once have set a record  USA TODAYHurricane Humberto NOAA 5pm update: NHC warns of 'life-threatening' surf on US East Coast  Express.co.ukHurricane Jerry path: Where will Jerry make landfall? Which regions are under warnings?  Express.co.ukJerry has become a hurricane, the National Hurricane Center says  CNNView full coverage on Google News

RELATED ARTICLES
Justin Trudeau brownface speech today: Canada's prime minister Justin Trudeau apologizes for brownface and blackface photos - CBS News (Google Business News)

Wall Street Journal US BusinessSep 19, 2019
Zuckerberg Meets With Trump, Faces Tough Questions from Senators
With his company under a regulatory spotlight, Facebook's Mark Zuckerberg scored a meeting at the White House Thursday—but faced a chillier reception from lawmakers on Capitol Hill.

Google Market NewsSep 19, 2019
Whistleblower complaint about President Trump involves Ukraine, according to two people familiar with the matter - The Washington Post
Whistleblower complaint about President Trump involves Ukraine, according to two people familiar with the matter  The Washington PostWhistleblower complaint, reportedly on Trump 'promise' to foreign leader, touches off DC firestorm  Fox NewsActing DNI refuses to turn over whistleblower complaint, raising concerns of a coverup  CBS This Morning‘Urgent Concern' About the President  The New York TimesHappy Hour Roundup  The Washington PostView full coverage on Google News

CNBC BusinessSep 19, 2019
Why Jim Cramer thinks Wall Street will 'anoint' Chipotle in the fourth quarter
"I wouldn't be surprised if Chipotle can keep climbing through the end of the year," the "Mad Money" host says.

RELATED ARTICLES
Everything Jim Cramer said on 'Mad Money,' including Costco downgrade, Expedia CEO, Chipotle, oil (CNBC Business)

Google Business NewsSep 19, 2019
Trump scores a victory in bicoastal battle over tax returns - ABC News
Trump scores a victory in bicoastal battle over tax returns  ABC NewsTrump sues to try to stop tax returns from being sent to NY prosecutor  CNNU.S. judge sides with Trump request to halt California law aimed at forcing the president to release his tax returns  Washington PostTrump sues New York to block subpoena of his tax returns  Fox NewsTrump sues Manhattan district attorney Vance over subpoenas for tax returns  ReutersView full coverage on Google News

RELATED ARTICLES
Federal judge halts California law forcing Trump to release tax returns to qualify for ballot - CNN (Google Business News)

Washington Post BusinessSep 19, 2019
Overstock's ex-CEO sells his $90M stake, says he's worried about ‘Deep State'
Patrick Byrne abruptly quit the company last month after saying he had been involved in multiple FBI investigations.

Google Business NewsSep 19, 2019
Nike Drops Antonio Brown Amid Sexual Assault Lawsuit - The New York Times
Nike Drops Antonio Brown Amid Sexual Assault Lawsuit  The New York TimesNike drops Antonio Brown after sexual assault allegations  Yahoo SportsAntonio Brown talks standing with NFL, adjustment to Patriots  Boston HeraldFantasy Football Rankings: Top Five Defenses To Start In Week 3 Of Season  NESNNike says Antonio Brown is no longer 'a Nike athlete'  CNNView full coverage on Google News

MarketWatch MarketPulseSep 19, 2019
Jim Chanos announces short position in GrubHub
Legendary short-seller Jim Chanos of Kynikos Associates on Thursday announced his fund has taken a short position in online food-delivery company GrubHub Inc. during the CNBC Institutional Investor Delivery Alpha conference, arguing that the company is "making almost no money per order, it's something like 15 cents." Chanos said that the company's financial position will only worsen from here as labor costs rise, in part due to new regulations that could classify gig-economy workers as employees rather than independent contractors. He also cited stiff competition from Uber Inc. , whose Uber Eats division has been growing revenue in the food-delivery business at a rapid pace. Chanos said that GrubHub does not have the financial "wherewithal" that Uber does and that competing with Uber "is like being locked in a cage with a psychopath with an ax." GrubHub shares fell 5.5% during Thursday trade.

Market Pulse Stories are Rapid-fire, short news bursts on stocks and markets as they move. Visit MarketWatch.com for more information on this news.



Reuters Company NewsSep 19, 2019
UPDATE 2-Brazil's Oi in talks to sell mobile unit to Telecom Italia, Telefonica -sources
Brazilian telecommunications firm Oi SA is in talks with Spain's Telefonica SA and Italy's Telecom Italia SpA to sell its mobile network to avoid insolvency, five people with knowledge of the matter said.

RELATED ARTICLES
UPDATE 2-Casino in talks to sell discount chain Leader Price to Aldi (Reuters Company News)

Washington Post BusinessSep 19, 2019
Overstock's former CEO sells off his $90M stake, saying he's worried about ‘Deep State'
Patrick Byrne abruptly quit the company last month after saying he'd been involved in multiple FBI investigations and had romanced Maria Butina — a Russian national later convicted of trying to influence American policy.

CNBC FinanceSep 19, 2019
College graduates now owe more than $29,000 in student debt
College graduates in 2018 owed more than their former classmates.

MarketWatchSep 19, 2019
Value investing isn't back — but economic growth is
The recent shift in stock-market leadership was to cyclical stocks from defensive sectors, not to value.

Private Equity Breaking NewsSep 19, 2019
ArcTern Ventures raises $165m for CleanTech fund at second close
Toronto-based ArcTern Ventures has raised around $165m for the second close of Fund II, which it claims is the largest cleantech venture fund in Canada.

MarketWatchSep 19, 2019
Economic Report: Existing-home sales rise 1.3% in August — the market was expecting sales to fall
Sales volume remains elevated, but economic concerns may outweigh the bargain low rates offer.

CNBC BusinessSep 19, 2019
Former Overstock CEO Patrick Byrne just sold all his shares, blaming 'deep state' and SEC
The former CEO of Overstock announced that he's dumped all of his equity and blamed both the "deep state" and the government for his exit.

Washington Post BusinessSep 19, 2019
Deutsche Bank Faces Yet More Awkward Questions
The ECB is considering a probe of the bank for alleged trading in its own riskiest debt without approval. This is a big test for the regulator too.

Private Equity Breaking NewsSep 19, 2019
Tell Group said to hit first close for Lebanon infra fund
Tell Group has reportedly reached a first close for its first Lebanon-focused infrastructure fund looking to raise $100m of commitments.

RELATED ARTICLES
Vertex Ventures said to pull in $305m for SE Asia, India fund close (Private Equity Breaking News)

NPR Topics: BusinessSep 16, 2019
World Oil Prices Spike After Saudi Facilities Attacked
Oil prices jumped on Monday in response to a weekend strikes in Saudi Arabia that crippled more than half the country's oil production. It was the single-largest daily surge in crude prices in years.
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