LIVE MARKET DATA

S&P 500 (SPY)
685.69
0.19%
DOW JONES (DIA)
480.03
0.20%
NASDAQ (QQQ)
625.48
0.41%
RUSSELL 2000 (IWM)
250.77
-0.42%
S&P 500 (SPY)685.690.19%
DOW JONES (DIA)480.030.20%
NASDAQ (QQQ)625.480.41%
RUSSELL 2000 (IWM)250.77-0.42%
EUR/USD (FXE)1.0850+0.23%
GBP/USD (FXB)1.2650-0.12%
USD/JPY (FXY)148.50+0.24%
AUD/USD (FXA)0.6550+0.31%
BTC/USD (BTCUSDT)91389.072.15%
ETH/USD (ETHUSDT)3125.222.87%
BNB/USD (BNBUSDT)901.010.89%
SOL/USD (SOLUSDT)134.991.89%
GOLD (GLD)386.44-0.18%
SILVER (SLV)52.952.30%
CRUDE OIL (USO)71.920.74%
NATURAL GAS (UNG)16.374.53%
S&P 500 (SPY)685.690.19%
DOW JONES (DIA)480.030.20%
NASDAQ (QQQ)625.480.41%
RUSSELL 2000 (IWM)250.77-0.42%
EUR/USD (FXE)1.0850+0.23%
GBP/USD (FXB)1.2650-0.12%
USD/JPY (FXY)148.50+0.24%
AUD/USD (FXA)0.6550+0.31%
BTC/USD (BTCUSDT)91389.072.15%
ETH/USD (ETHUSDT)3125.222.87%
BNB/USD (BNBUSDT)901.010.89%
SOL/USD (SOLUSDT)134.991.89%
GOLD (GLD)386.44-0.18%
SILVER (SLV)52.952.30%
CRUDE OIL (USO)71.920.74%
NATURAL GAS (UNG)16.374.53%

Economic Calendar

Dec 8, Mon
CB Employment Trends Index (Oct)
3:00 PM
Dec 8, Mon
Consumer Inflation Expectation (Nov)
4:00 PM
Dec 9, Tue
NFIB Business Optimism Index (Nov)
11:00 AM
Dec 9, Tue
Nonfarm Productivity QoQ (Q3)
1:30 PM
Dec 9, Tue
API Crude Oil Stock Change (Dec/05)
9:30 PM
Dec 10, Wed
MBA Purchase Index (Dec/05)
12:00 PM
Dec 10, Wed
MBA Mortgage Applications (Dec/05)
12:00 PM
Dec 10, Wed
MBA Mortgage Market Index (Dec/05)
12:00 PM
Dec 10, Wed
MBA 30-Year Mortgage Rate (Dec/05)
12:00 PM
Dec 10, Wed
MBA Mortgage Refinance Index (Dec/05)
12:00 PM
Dec 10, Wed
Inflation Rate MoM (Nov)
1:30 PM
Dec 10, Wed
Employment Cost - Benefits QoQ (Q3)
1:30 PM
Dec 10, Wed
Employment Cost - Wages QoQ (Q3)
1:30 PM
Dec 10, Wed
Employment Cost Index QoQ (Q3)
1:30 PM
Dec 10, Wed
Employment Benefits QoQ (Q3)
1:30 PM
Dec 10, Wed
CPI (Oct)
1:30 PM
Dec 10, Wed
CPI (Nov)
1:30 PM
Dec 10, Wed
Core Inflation Rate YoY (Nov)
1:30 PM
Dec 10, Wed
CPI s.a (Nov)
1:30 PM
Dec 10, Wed
Inflation Rate YoY (Nov)
1:30 PM
Dec 10, Wed
Core Inflation Rate MoM (Nov)
1:30 PM
Dec 10, Wed
Employment Wages QoQ (Q3)
1:30 PM
Dec 10, Wed
EIA Crude Oil Imports Change (Dec/05)
3:30 PM
Dec 10, Wed
EIA Heating Oil Stocks Change (Dec/05)
3:30 PM
Dec 10, Wed
EIA Cushing Crude Oil Stocks Change (Dec/05)
3:30 PM
Dec 10, Wed
EIA Crude Oil Stocks Change (Dec/05)
3:30 PM
Dec 10, Wed
Atlanta Fed GDPNow (Q4)
5:00 PM
Dec 10, Wed
Budget Balance (Oct)
7:00 PM
Dec 10, Wed
Fed Interest Rate Decision
7:00 PM
Dec 10, Wed
Budget Balance (Nov)
7:00 PM
Dec 10, Wed
FOMC Economic Projections
7:00 PM
Dec 10, Wed
Fed Press Conference
7:30 PM
Dec 10, Wed
CFTC Crude Oil speculative net positions
8:30 PM
Dec 11, Thu
Core PPI MoM (Oct)
1:30 PM
Dec 11, Thu
Core PPI MoM (Nov)
1:30 PM
Dec 11, Thu
PPI Ex Food, Energy and Trade YoY (Oct)
1:30 PM
Dec 11, Thu
Core PPI YoY (Oct)
1:30 PM
Dec 11, Thu
Balance of Trade (Sep)
1:30 PM
Dec 11, Thu
PPI Ex Food, Energy and Trade YoY (Nov)
1:30 PM
Dec 11, Thu
Producer Price Index YoY (Nov)
1:30 PM
Dec 11, Thu
Core PPI YoY (Nov)
1:30 PM
Dec 11, Thu
Producer Price Index (Oct)
1:30 PM
Dec 11, Thu
Producer Price Index MoM (Nov)
1:30 PM
Dec 11, Thu
PPI Ex Food, Energy and Trade MoM (Oct)
1:30 PM
Dec 11, Thu
Producer Price Index MoM (Oct)
1:30 PM
Dec 11, Thu
Initial Jobless Claims (Dec/06)
1:30 PM
Dec 11, Thu
Continuing Jobless Claims (Nov/29)
1:30 PM
Dec 11, Thu
Producer Price Index (Nov)
1:30 PM
Dec 11, Thu
Jobless Claims 4-Week Average (Dec/06)
1:30 PM
Dec 11, Thu
PPI Ex Food, Energy and Trade MoM (Nov)
1:30 PM
Dec 11, Thu
Producer Price Index YoY (Oct)
1:30 PM
Dec 11, Thu
30-Year Mortgage Rate (Dec/11)
5:00 PM
Dec 11, Thu
15-Year Mortgage Rate (Dec/11)
5:00 PM
Dec 11, Thu
Fed Balance Sheet (Dec/10)
9:30 PM
Dec 12, Fri
Fed Hammack Speech
1:30 PM
Dec 12, Fri
Fed Goolsbee Speech
3:35 PM
Dec 12, Fri
Baker Hughes Oil Rig Count (Dec/12)
6:00 PM
Dec 12, Fri
CFTC Crude Oil speculative net positions
8:30 PM
Dec 15, Mon
NY Empire State Manufacturing Index (Dec)
1:30 PM
Dec 15, Mon
NAHB Housing Market Index (Dec)
3:00 PM
Dec 16, Tue
Housing Starts (Sep)
1:30 PM
Dec 16, Tue
Nonfarm Payrolls Private (Oct)
1:30 PM
Dec 16, Tue
Housing Starts MoM (Nov)
1:30 PM
Dec 16, Tue
Retail Sales YoY (Oct)
1:30 PM
Dec 16, Tue
Housing Starts (Nov)
1:30 PM
Dec 16, Tue
Housing Starts (Oct)
1:30 PM
Dec 16, Tue
U-6 Unemployment Rate (Oct)
1:30 PM
Dec 16, Tue
Unemployment Rate (Oct)
1:30 PM
Dec 16, Tue
Nonfarm Payrolls Private (Nov)
1:30 PM
Dec 16, Tue
Manufacturing Payrolls (Nov)
1:30 PM
Dec 16, Tue
Housing Starts MoM (Oct)
1:30 PM
Dec 16, Tue
Housing Starts MoM (Sep)
1:30 PM
Dec 16, Tue
Retail Sales MoM (Oct)
1:30 PM
Dec 16, Tue
Unemployment Rate (Nov)
1:30 PM
Dec 16, Tue
Retail Sales Ex Gas/Autos MoM (Oct)
1:30 PM
Dec 16, Tue
U-6 Unemployment Rate (Nov)
1:30 PM
Dec 16, Tue
Manufacturing Payrolls (Oct)
1:30 PM
Dec 16, Tue
Retail Sales Ex Autos MoM (Oct)
1:30 PM
Dec 16, Tue
Manufacturing Production YoY (Nov)
2:15 PM
Dec 16, Tue
Manufacturing Production MoM (Nov)
2:15 PM
Dec 16, Tue
Manufacturing Production YoY (Oct)
2:15 PM
Dec 16, Tue
Manufacturing Production MoM (Oct)
2:15 PM
Dec 16, Tue
S&P Global Services PMI (Dec)
2:45 PM
Dec 16, Tue
S&P Global Composite PMI Flash (Dec)
2:45 PM
Dec 16, Tue
S&P Global Services PMI Flash (Dec)
2:45 PM
Dec 16, Tue
S&P Global Manufacturing PMI (Dec)
2:45 PM
Dec 16, Tue
S&P Global Composite PMI (Dec)
2:45 PM
Dec 16, Tue
S&P Global Manufacturing PMI Flash (Dec)
2:45 PM
Dec 16, Tue
Retail Inventories Ex Autos MoM (Sep)
3:00 PM
Dec 16, Tue
API Crude Oil Stock Change (Dec/12)
9:30 PM
Dec 17, Wed
MBA Purchase Index (Dec/12)
12:00 PM
Dec 17, Wed
MBA Mortgage Applications (Dec/12)
12:00 PM
Dec 17, Wed
MBA Mortgage Market Index (Dec/12)
12:00 PM
Dec 17, Wed
MBA Mortgage Refinance Index (Dec/12)
12:00 PM
Dec 17, Wed
MBA 30-Year Mortgage Rate (Dec/12)
12:00 PM
Dec 17, Wed
Retail Sales Ex Gas/Autos MoM (Nov)
1:30 PM
Dec 17, Wed
Retail Sales Ex Autos MoM (Nov)
1:30 PM
Dec 17, Wed
Retail Sales MoM (Nov)
1:30 PM
Dec 17, Wed
Retail Sales YoY (Nov)
1:30 PM
Dec 17, Wed
Fed Williams Speech
2:05 PM
Dec 17, Wed
Retail Inventories Ex Autos MoM (Oct)
3:00 PM
Dec 17, Wed
EIA Crude Oil Stocks Change (Dec/12)
3:30 PM
Dec 17, Wed
EIA Heating Oil Stocks Change (Dec/12)
3:30 PM
Dec 17, Wed
EIA Cushing Crude Oil Stocks Change (Dec/12)
3:30 PM
Dec 17, Wed
EIA Crude Oil Imports Change (Dec/12)
3:30 PM
Dec 17, Wed
Atlanta Fed GDPNow (Q4)
5:00 PM
Dec 17, Wed
Fed Bostic Speech
5:30 PM
Dec 17, Wed
CFTC Crude Oil speculative net positions
8:30 PM
Dec 18, Thu
Jobless Claims 4-Week Average (Dec/13)
1:30 PM
Dec 18, Thu
Philly Fed Business Conditions (Dec)
1:30 PM
Dec 18, Thu
CPI (Nov)
1:30 PM
Dec 18, Thu
Inflation Rate YoY (Nov)
1:30 PM
Dec 18, Thu
Core Inflation Rate YoY (Nov)
1:30 PM
Dec 18, Thu
Initial Jobless Claims (Dec/13)
1:30 PM
Dec 18, Thu
CPI s.a (Nov)
1:30 PM
Dec 18, Thu
Core Inflation Rate MoM (Nov)
1:30 PM
Dec 18, Thu
Inflation Rate MoM (Nov)
1:30 PM
Dec 18, Thu
Philly Fed Prices Paid (Dec)
1:30 PM
Dec 18, Thu
Philly Fed New Orders (Dec)
1:30 PM
Dec 18, Thu
Continuing Jobless Claims (Dec/06)
1:30 PM
Dec 18, Thu
Philly Fed Employment (Dec)
1:30 PM
Dec 18, Thu
Philadelphia Fed Manufacturing Index (Dec)
1:30 PM
Dec 18, Thu
Philly Fed CAPEX Index (Dec)
1:30 PM
Dec 18, Thu
CPI (Oct)
1:30 PM
Dec 18, Thu
CB Employment Trends Index (Oct)
3:00 PM
Dec 18, Thu
Leading Index MoM (Sep)
3:00 PM
Dec 18, Thu
Kansas Fed Composite Index (Dec)
4:00 PM
Dec 18, Thu
Kansas Fed Manufacturing Index (Dec)
4:00 PM
Dec 18, Thu
30-Year Mortgage Rate (Dec/18)
5:00 PM
Dec 18, Thu
15-Year Mortgage Rate (Dec/18)
5:00 PM
Dec 18, Thu
Fed Balance Sheet (Dec/17)
9:30 PM
Dec 19, Fri
PCE Price Index YoY (Oct)
1:30 PM
Dec 19, Fri
Core PCE Price Index YoY (Nov)
1:30 PM
Dec 19, Fri
PCE Price Index YoY (Nov)
1:30 PM
Dec 19, Fri
Core PCE Price Index MoM (Nov)
1:30 PM
Dec 19, Fri
PCE Price Index MoM (Nov)
1:30 PM
Dec 19, Fri
Core PCE Price Index MoM (Oct)
1:30 PM
Dec 19, Fri
Core PCE Price Index YoY (Oct)
1:30 PM
Dec 19, Fri
PCE Price Index MoM (Oct)
1:30 PM
Dec 19, Fri
Michigan Consumer Sentiment (Dec)
3:00 PM
Dec 19, Fri
Inflation Expectations (Dec)
3:00 PM
Dec 19, Fri
Michigan Consumer Expectations (Dec)
3:00 PM
Dec 19, Fri
Michigan Inflation Expectations (Dec)
3:00 PM
Dec 19, Fri
Existing Home Sales (Nov)
3:00 PM
Dec 19, Fri
Michigan 5 Year Inflation Expectations (Dec)
3:00 PM
Dec 19, Fri
Existing Home Sales MoM
3:00 PM
Dec 19, Fri
Atlanta Fed GDPNow (Q4)
5:00 PM
Dec 19, Fri
Baker Hughes Oil Rig Count (Dec/19)
6:00 PM
Dec 22, Mon
Chicago Fed National Activity Index (Nov)
1:30 PM
Dec 23, Tue
Durable Goods Orders Ex Transp MoM (Oct)
1:30 PM
Dec 23, Tue
GDP Sales QoQ (Q3)
1:30 PM
Dec 23, Tue
GDP Growth Rate QoQ (Q3)
1:30 PM
Dec 23, Tue
Durable Goods Orders ex Defense MoM (Oct)
1:30 PM
Dec 23, Tue
Durable Goods Orders MoM (Oct)
1:30 PM
Dec 23, Tue
Real Consumer Spending (Q3)
1:30 PM
Dec 23, Tue
GDP Price Index QoQ (Q3)
1:30 PM
Dec 23, Tue
Real Consumer Spending QoQ (Q3)
1:30 PM
Dec 23, Tue
Manufacturing Production MoM (Nov)
2:15 PM
Dec 23, Tue
Manufacturing Production YoY (Nov)
2:15 PM
Dec 23, Tue
Manufacturing Production MoM (Oct)
2:15 PM
Dec 23, Tue
Manufacturing Production YoY (Oct)
2:15 PM
Dec 23, Tue
New Home Sales (Nov)
3:00 PM
Dec 23, Tue
Richmond Fed Manufacturing Shipments Index (Dec)
3:00 PM
Dec 23, Tue
Richmond Fed Services Revenues Index (Dec)
3:00 PM
Dec 23, Tue
CB Consumer Confidence (Dec)
3:00 PM
Dec 23, Tue
Richmond Fed Manufacturing Index (Dec)
3:00 PM
Dec 23, Tue
API Crude Oil Stock Change (Dec/19)
9:30 PM
Dec 24, Wed
MBA Mortgage Refinance Index (Dec/19)
12:00 PM
Dec 24, Wed
MBA Purchase Index (Dec/19)
12:00 PM
Dec 24, Wed
MBA Mortgage Applications (Dec/19)
12:00 PM
Dec 24, Wed
MBA Mortgage Market Index (Dec/19)
12:00 PM
Dec 24, Wed
MBA 30-Year Mortgage Rate (Dec/19)
12:00 PM
Dec 24, Wed
Jobless Claims 4-Week Average (Dec/20)
1:30 PM
Dec 24, Wed
Durable Goods Orders Ex Transp MoM (Nov)
1:30 PM
Dec 24, Wed
Durable Goods Orders Ex Defense MoM
1:30 PM
Dec 24, Wed
Durable Goods Orders MoM (Nov)
1:30 PM
Dec 24, Wed
Durable Goods Orders ex Defense MoM (Nov)
1:30 PM
Dec 24, Wed
Continuing Jobless Claims (Dec/13)
1:30 PM
Dec 24, Wed
Initial Jobless Claims (Dec/20)
1:30 PM
Dec 24, Wed
Atlanta Fed GDPNow (Q4)
3:30 PM
Dec 24, Wed
EIA Crude Oil Imports Change (Dec/19)
3:30 PM
Dec 24, Wed
EIA Crude Oil Stocks Change (Dec/19)
3:30 PM
Dec 24, Wed
EIA Cushing Crude Oil Stocks Change (Dec/19)
3:30 PM
Dec 24, Wed
EIA Heating Oil Stocks Change (Dec/19)
3:30 PM
Dec 24, Wed
30-Year Mortgage Rate (Dec/25)
5:00 PM
Dec 24, Wed
15-Year Mortgage Rate (Dec/25)
5:00 PM
Dec 24, Wed
CFTC Crude Oil speculative net positions
8:30 PM
Dec 26, Fri
Baker Hughes Oil Rig Count (Dec/26)
6:00 PM
Dec 29, Mon
Goods Trade Balance (Nov)
1:30 PM
Dec 29, Mon
Retail Inventories Ex Autos MoM (Nov)
1:30 PM
Dec 29, Mon
Goods Trade Balance Adv (Nov)
1:30 PM
Dec 29, Mon
Pending Home Sales YoY (Nov)
3:00 PM
Dec 29, Mon
Pending Home Sales MoM (Nov)
3:00 PM
Dec 29, Mon
Dallas Fed Manufacturing Index (Dec)
3:30 PM
Dec 30, Tue
House Price Index YoY (Oct)
2:00 PM
Dec 30, Tue
House Price Index MoM (Oct)
2:00 PM
Dec 30, Tue
House Price Index (Oct)
2:00 PM
Dec 30, Tue
Dallas Fed Services Revenues Index (Dec)
3:30 PM
Dec 30, Tue
Dallas Fed Services Index (Dec)
3:30 PM
Dec 30, Tue
FOMC Minutes
7:00 PM
Dec 30, Tue
API Crude Oil Stock Change (Dec/26)
9:30 PM
Dec 31, Wed
MBA Mortgage Applications (Dec/26)
12:00 PM
Dec 31, Wed
MBA Mortgage Market Index (Dec/26)
12:00 PM
Dec 31, Wed
MBA Mortgage Refinance Index (Dec/26)
12:00 PM
Dec 31, Wed
MBA 30-Year Mortgage Rate (Dec/26)
12:00 PM
Dec 31, Wed
MBA Purchase Index (Dec/26)
12:00 PM
Dec 31, Wed
Jobless Claims 4-Week Average (Dec/27)
1:30 PM
Dec 31, Wed
Initial Jobless Claims (Dec/27)
1:30 PM
Dec 31, Wed
Continuing Jobless Claims (Dec/20)
1:30 PM
Dec 31, Wed
Chicago PMI (Dec)
2:45 PM
Dec 31, Wed
EIA Heating Oil Stocks Change (Dec/26)
3:30 PM
Dec 31, Wed
EIA Cushing Crude Oil Stocks Change (Dec/26)
3:30 PM
Dec 31, Wed
EIA Crude Oil Imports Change (Dec/26)
3:30 PM
Dec 31, Wed
EIA Crude Oil Stocks Change (Dec/26)
3:30 PM
Dec 31, Wed
15-Year Mortgage Rate (Dec/31)
5:00 PM
Dec 31, Wed
30-Year Mortgage Rate (Dec/31)
5:00 PM
Dec 31, Wed
Baker Hughes Oil Rig Count (Jan/02)
6:00 PM
Jan 2, Fri
Nonfarm Payrolls Private (Dec)
1:30 PM
Jan 2, Fri
Continuing Jobless Claims (Dec/20)
1:30 PM
Jan 2, Fri
Jobless Claims 4-Week Average (Dec/27)
1:30 PM
Jan 2, Fri
Manufacturing Payrolls (Dec)
1:30 PM
Jan 2, Fri
Initial Jobless Claims (Dec/27)
1:30 PM
Jan 2, Fri
Unemployment Rate (Dec)
1:30 PM
Jan 2, Fri
S&P Global Manufacturing PMI (Dec)
2:45 PM
Jan 2, Fri
ISM Manufacturing New Orders (Dec)
3:00 PM
Jan 2, Fri
ISM Manufacturing PMI (Dec)
3:00 PM
Jan 2, Fri
ISM Manufacturing Employment (Dec)
3:00 PM
Jan 2, Fri
ISM Manufacturing Prices (Dec)
3:00 PM
Jan 2, Fri
Baker Hughes Oil Rig Count (Jan/02)
6:00 PM
Jan 2, Fri
Fed Balance Sheet (Dec/31)
9:30 PM
Jan 5, Mon
ISM Services Employment (Dec)
3:00 PM
Jan 5, Mon
ISM Services PMI (Dec)
3:00 PM
Jan 6, Tue
LMI Logistics Managers Index (Dec)
11:00 AM
Jan 6, Tue
S&P Global Composite PMI (Dec)
2:45 PM
Jan 6, Tue
S&P Global Services PMI (Dec)
2:45 PM
Jan 6, Tue
API Crude Oil Stock Change (Jan/02)
9:30 PM

Macro Indicators

GDP Growth
2.80%-0.10%
Unemployment
4.4%+0.1%
Inflation Rate
3.0%+0.08%
Fed Funds Rate
3.88%-0.21%
Consumer Confidence
53.6-1.5
10Y Treasury
4.11%+0.05%

Predictions Market

Politics
$2.1M
Will there be a government shutdown in 2025?
No72%
Finance
$5.8M
Will Bitcoin reach $150K by end of 2025?
Yes45%
Sports
$890K
Will the Lakers make the NBA Finals?
No68%
Politics
$1.2M
Will there be a new Supreme Court Justice in 2025?
No81%
Finance
$3.4M
Will the Fed cut rates before July 2025?
Yes63%
Other
$720K
Will AI pass the Turing Test by 2026?
Yes38%

Market Analysis

Daily Market Analysis

Market Analysis

S&P Historical Analysis

  • Current Position Relative to 200d MA: SPY closing price $685.69 on 12/05/25 was +11.35% from the 200d MA.
  • 28 Day Low Price: 36.9th percentile, 6.62% above 200d MA
  • Historical Occurrences For 28 Day Low Level: In the last 10 years,when the index was at this percentage above the 200d MA, the price fell below the 200d MA within the next few weeks in 5 out of 452 instances.
  • Context on Those Falls Below the 200d MA: Of those 5 instances, 3 occurred during periods of quantitative tightening (when central banks reduce their balance sheets).
  • Quantitative Tightening Status: QT officially ended December 1, 2025.
  • Average Duration Above 200d MA: 322.6 days.
  • Current Streak: 207 days
  • Current Price Percentile Above 200d MA Level: 79.55th percentile

{AI Generated summary of data above}

{RelativeMA_Occurrence_Count_Analysis.png}

Plot accounts for all occurances at current releative level above the 200d MA, omiting first 2 months after crossing above and up to first occurance prior to crossing below the 200dMAwithin next 21 days.

For a more in depth view and analysis of current market conditions subscribe to get full access.

Volatility

Volatility Dashboard

SPY Daily RSI: 60.77

RSI 21 day average: 47.85

QQQ Daily RSI: 61.02

RSI 21 day average: 46.02

Credit Spreads

Credit Spreads Chart

Technical Analysis

For in depth technical analysis with price targets and fibonocci retracements subscribe here.

SPY 6 Month Chart QQQ 6 Month Chart

Investment Strategies & Market Volatility

Comprehensive analysis of current market conditions, volatility patterns, and expert insights on portfolio diversification, asset allocation strategies, and risk management techniques for navigating uncertain economic environments.

Global Economic Outlook & Sector Performance

In-depth examination of worldwide economic trends, growth forecasts, geopolitical factors influencing international markets, and detailed breakdown of industry sector performance across market segments.

Latest Financial News

The Fed meeting this week will determine if investors get new all-time highs or coal for Christmas
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Top Stories

Trump says Netflix’s huge deal for Warner Bros. ‘could be a problem’
CORPORATE

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