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ByElliottSpagatand Julie Pace TheAssociatedPress WASHINGTON HillaryClin- ton on Wednesday assailed presumptive Republican nomineeDonaldTrumpasa "fraud" intent on scamming the American people follow- ing new revelations about the businessman's now-de- funct education company. Clinton, Trump's likely general election opponent, cast Trump University as a get-rich scheme for the real estate mogul that preyed on vulnerable Americans, urging them to sign up for pricey seminars even when they were financially strapped. "He is trying to scam America the way he scammedallthosepeopleat Trump U," Clinton said dur- ingacampaignstopinNew- ark, New Jersey. "It's impor- tant that we recognize what he has done because that's usuallyaprettygoodindica- tor of what he will do." Trump University is the targetoftwolawsuitsinSan Diego and one in New York that accuse the business of fleecing students with un- fulfilled promises to teach secrets of success in real es- tate. Plaintiffs contend that TrumpUniversitygavesem- inars and classes across the country that were like info- mercials, constantly pres- suring customers to buy more and, in the end, fail- ing to deliver. Trump has maintained that customers were over- whelmingly satisfied with the offerings — a point that his attorneys repeated af- terthenewdocumentswere unsealed Tuesday. Clinton's campaign leapt on the new details con- tained in the unsealed doc- uments, including the or- ganization's strategies for encouraging prospective students to dip into their savings or find other means of making payments they couldn't afford. "Money is never a reason for not enrolling in Trump University; if they really believe in you and your product, they will find the money," a playbook reads. Clinton's campaign cast the revelations as part of a pattern in which Trump makes promises to help im- proveothers'livesbutisonly concerned with promoting himself. The former secre- tary of state also asserted that while Trump pledged to donate $6 million to vet- erans groups during the campaign, he only followed through under pressure from the media. As Trump steamrolled through the GOP primary, some of his rivals raised Trump University as a lia- bility for the businessman and at least five different outside groups mentioned the business in attack ads. Florida Sen. Marco Rubio usedtheschoolincampaign speechesaspartofhisfailed attempt to blunt the real es- tate mogul's political rise. "It was targeted at peo- ple that were struggling," Rubio said during a March 1 campaign appearance. He said they were retirees, single mothers and young people trying to start busi- nesses. "They were people that were hurting, and they specifically targeted them." Rubio said last week that he's eager to help the party defeat Clinton. While details about the business did little to stop Trump in the primary, Clinton allies say GOP can- didates were too slow in raising concerns and in- consistent in their attacks. Democrats have vowed to avoid repeating those same mistakes in the fall cam- paign. The documents re- leased Tuesday give Clin- ton some fresh ammunition for raising concerns about Trump's business dealings. The "playbooks" for Trump University outline how em- ployees should guide cus- tomers through "the roller coaster of emotions" once they have expressed inter- est in the courses. "Themotivationthatthey experienced can die quickly as the realities of their daily lives take over. It is our job to rekindle that motivation ... to make them once again see the potential of achiev- ing their dream," according to a "sales playbook." TrumpUniversityoffered a three-day seminar for $1,495, using it as a spring- boardtosellmoreexpensive "Trump Elite" packages for up to $34,995 a year. "You don't sell products, benefits or solutions — you sell feelings," according to the sales playbook. Trump University's core customers are identified in the documents as male heads of households be- tween 40 and 54 years old with annual household in- comes of at least $90,000, a college education and a net worth of more than $200,000. PRESIDENTIAL RACE Cl in to n as sa il s Tr um p as 'fraud' trying to scam US RICHARDDREW—THEASSOCIATEDPRESS Donald Trump answers questions Tuesday during a news conference in New York. By Patrick Mairs The Associated Press A Honduran woman in- fected with Zika gave birth in New Jersey to a baby girl with birth defects caused by the virus, her doctor said Wednesday. The infant is the second born in the United States with birth defects from the mosquito-borne virus. The first was born in Hawaii to a woman who had lived in Brazil, where the Zika epi- demic began in the Amer- icas. The Honduran woman's baby was delivered by ce- sarean section Tuesday at Hackensack University Medical Center, said Dr. Abdulla Al-Khan, the hos- pital's director of maternal- fetal medicine and surgery. The doctor said the 31-year-old mother was di- agnosed with Zika in her native Central American country, where the virus has spread. She traveled to New Jersey, where she has family, to seek further treat- ment, he said. Al-Khan said the mother had a normal ultrasound early in her pregnancy, and that another one last week showed birth defects, in- cluding microcephaly, in which the baby's head is smaller than expected be- cause the brain hasn't de- veloped properly. "It was very sad for us to see a baby born with such a condition," he said. Al-Khan said the progno- sis for babies born with mi- crocephaly, which also can signal underlying brain damage, is "generally very poor." The mother is "hang- ing in there" said Al-Khan. "But of course what human being isn't going to be dev- astated by this news?" The Zika virus causes only a mild and brief illness, at worst, in most people. In April, the Centers for Dis- ease Control and Preven- tion said there was enough evidence to declare that Zika causes microcephaly and other brain defects. Ten countries have re- ported cases of microceph- aly linked to Zika, which is spread primarily through mosquito bites and can also be transmitted through sex. The baby born in Hawaii also had microcephaly. The CDC and the World Health Organization have recommended that preg- nant women avoid traveling to Zika-affected countries. So far, all the nearly 600 cases of Zika infection re- ported in the United States have been connected to travel to outbreak areas — none were locally trans- mitted. Of that tally, 168 are pregnant women. The CDC has not released de- tails about those pregnan- cies or any outcome. Scientists are still trying to determine how risky a Zika infection is for preg- nant women. In a study last week, CDC researchers es- timated that the risk of mi- crocephaly is in the range of 1 percent to 14 percent. White House press sec- retary Josh Earnest said the case underscored the need for Congress to act on President Barack Obama's request for $1.9 billion in emergency funds to bat- tle the virus. Lawmak- ers still must reach agree- ment on funding after both houses approved different amounts: $1.1 billion in the Senate and $622 million in the House. Earnest said it was un- clear whether the steps the White House has called for would have prevented this case, but said it's a reminder of the seriousness of the sit- uation. HEALTH Baby born in US to Honduran mom with Zika has birth defect By Ricardo Alonso- Zaldivar The Associated Press WASHINGTON Fresh prob- lems for "Obamacare": The largest health insurer in Texas wants to raise its rates on individual poli- cies by an average of nearly 60 percent, a new sign that President Barack Obama's overhaul hasn't solved the problem of price spikes. Texas isn't alone. Citing financial losses under the health care law, many in- surers around the country are requesting bigger pre- mium increases for 2017. That's to account for lower- than-hoped enrollment, sicker-than-expected cus- tomers and problems with the government's finan- cial backstop for insurance markets. The national picture will take weeks to fill in. With data available for about half the states, premium increases appear to be sharper, but there are also huge differences between states and among insurers. Health insurance is priced locally. Earlier this week, North Carolina's largest insurer said it will seek an average increase of 18.8 percent. A recent analysis of nine states by the consulting firm Avalere Health found that average premium in- creases for the most pop- ular kind of plan ranged from 5 percent in Wash- ington state to 44 percent in Vermont. Millions of customers will be shielded from price hikes by government subsi- dies, which typically cover more than 70 percent of the premiums. People who don't have access to a work- place plan can buy a policy directly on the health law's marketplaces. But many consumers aren't eligible for the in- come-based subsidies and get no such protection. That demographic includes small business owners, self-employed people and early retirees. Under the law, most Americans are required to have health in- surance or risk being fined. Blue Cross Blue Shield of Texas has about 603,000 individual policyholders and, unlike other insurers in the state, offers coverage in every county. In a recent filing with federal regula- tors, a summary of which is available on HealthCare. gov, the company said it is seeking increases averag- ing from 57.3 percent to 59.4 percent across its in- dividual market plans. In a statement, Blue Cross Blue Shield of Texas said its request is based on strong financial principles, science and data. "It's also important to understand the magnitude of the losses ... experienced in the indi- vidual retail market over the past two years," the statement said. The com- pany says it lost $592 mil- lion last year and $416 mil- lion in 2014. Texas is the health care law's third-largest mar- ket, after Florida and Cal- ifornia. Texas state regula- tors said the insurer's re- quest is confidential and they can't comment on it. However, Insurance De- partment spokesman Ben Gonzalez said the state can withdraw approval if the request doesn't meet re- quirements and standards in Texas law. Wichita Falls insurance broker Kelly Fristoe said the burden of premium in- creases will fall hardest on rural communities where Blue Cross Blue Shield is in many cases is the only option. Metropolitan ar- eas like Houston, Dallas, and Austin attract more insurers. "This is going to be a very big disrupter of the market," said Fristoe. Some relatively healthy people "would probably be willing to roll the dice and take their chances" by dropping coverage, even if it means they might be fined. PREMIUMS Insurance rates going up: New concerns for Obamacare materializing 2016 Tehama County Health and Wellness Guide & Directory A reference guide to North State medical professionals and related medical services available to Tehama County residents. Advertising Rates (cost includes same-size adjacent space for promotional copy, provided by advertiser) 1/8 Pg...................................$199.00 1/4 Pg...................................$325.00 Half Pg.................................$485.00 Full Pg..................................$765.00 Inside Front...........................$1150.00 Inside Back............................$1015.00 Back Cover............................$1275.00 Center Double Truck.............$2175.00 Advertising&CopyDeadline:FRIDAY,JUNE3,2016 INSERTS: THURSDAY, JUNE 30, 2016 GaylaEckels: geckels@redbluffdailynews.com(530) 737-5044 Suzy Noble: snoble@redbluffdailynews.com(530) 737-5056 We'retakinganewapproachwiththispopular annual glossy magazine publication to increase its reach and reminder to consumers in Tehama County and within the Redding-Chico DMA. As before, 5,000 copies will be inserted in a full edition of The Daily News, with advance in-paper and front page promotion. 3,000 additional printed copies will be produced for year-round provision to medical waiting rooms, Chambers of Commerce, local hotels, and advertiser counter-top distribution. Also as before, the online version of this magazine Guide will be hosted for a full year under the Special Publications tab on the front page of redbluffdailynews.com, for 24/7 viewability. Advertisers may embed a URL to their own website, to which readers of the publication can be sent directly to advertisers' own web pages! Advertisers are invited to provide copy for promotional copy on their practice or business, to be published in the Guide the same size space as their advertisement. Alternatively, advertisers can double the size of the ad space sizes listed below at no extra cost. NEW THIS YEAR! The Guide will feature a directory of local medical and health service providers, provided by St. Elizabeth Community Hospital, published by category. Advertisers in the publication will have their listings printed in bold text.. Advertising businesses that may not be included on the list of providers provided by St. Elizabeth will have their listings added in bold in the appropriate business category. Once monthly during the life of the publication, the Daily News will post a different aspect of the Guide and Directory as a post to The Daily News' Facebook page, which currently has over 5,000 "Likers." The post will refer them to the link to the digital edition. We will "boost" these posts to reach 2-3,000 additional Facebook users who may not yet be "likers" of our Facebook page. We've saved the best for last: Using the AdTaxi digital advertising agency's targeted email service, we will send a promotion and link to the digital edition of the Guide and Directory to 50,0000 emails of men and women 40 and older across the Redding-Chico DMA in September of 2016. This publication is an ideal promotional vehicle not only for medical practitioners, but alsoanybusiness the services of which promotes and supports health and wellness; health food sellers, gyms and health clubs, medical equipment providers and more! Contact your Daily News advertising representative to reserve your space today! proudly announces the REDBLUFF TEHAMA COUNTY | NEWS | REDBLUFFDAILYNEWS.COM THURSDAY, JUNE 2, 2016 4 B