• The World Architecture Festival is the world's largest international architectural event.
• During the festival, a panel of expert judges recognizes the best architecture of the year through the World Architecture Awards.
• Hundreds of designs were shortlisted during the 12th annual World Architecture Festival in December, but less than 30 completed buildings won an overall or category award.
• This year's winners include a library in the Netherlands, a nursery in Japan, and an airport terminal in the Philippines.
• Visit Insider's homepage for more stories.

The LocHal Public Library in the Netherlands was named 2019's World Building of the Year.

According to a World Architecture Festival (WAF) press release provided to Insider, the LocHal Public Library sits in a former train station. The space was going to be demolished until it was remodeled as a library and community center by Civic Architects, in collaboration with Braaksma & Roos Architectenbureau. 

The judges thought the building was outstanding because it "created a physical facility in which a variety of users can meet for multiple purposes," as the WAF press release stated.

The JCA Living Lab, located in Taipei City, Taiwan, won Interior of the Year at the 2019 World Architecture Awards.

The Lab, designed by J.C. Architecture, is a refurbished Japanese colonial house, and it combines a historical structure with the needs of modern dwellers. J.C. Architecture built the house with children in mind, creating space for them to run throughout the indoor area. 

The judges selected the Lab because "the house is unusually in tune with the differing and sometimes contradictory needs of a young family," according to the same WAF press release. "Every space can be negotiated and adapted, encouraging the house to be an incubator for a positive difference in the family unit."

Lokadhatu (The World), a pavilion for children in Zhangzhou, China, was named Small Project of the Year.

Studio Link-Arc created Lokadhatu, a play area for children.

The WAF judges liked Lokadhatu both because of its creativity and interplay with the surrounding environment. 

Located in Kiev, Ukraine, Comfort Town won the award for Use of Color.

This apartment complex, built by Archimatika, features 180 apartments and spans over 90 acres. The buildings stand out because of their pastel hues. 

The Freebooter, located in Amsterdam, won the 2019 Amsterdam Prize.

Designed by GG-loop, the apartment complex Freebooter is a steel building wrapped in timber panels. 

The timber regulates the amount of sunlight that reaches the structure. 

China's Swirling Cloud took home the Engineering Prize for 2019.

SUP Atelier designed Swirling Cloud for a garden festival. The building is made of bamboo, allowing for the curved structure.

Landscape of the Year 2019 went to the Demonstration Section of Yangpu Riverside Public Space, which is located in Shanghai, China.

Original Design Studio created the Demonstration Section, a bridge alongside the Yangpu River. 

The judges favored the site because it "reconnects the city with the waterfront by reusing the material language of this historic site in an innovative way with excellent details," as the WAF press release stated.

The Smith Campus Center at Harvard University in Boston, Massachusetts, took home the prize for Best Use of Natural Light.

Designed by Hopkins Architects, the Smith Campus Center melded the indoors and outdoors through glass windows and ceiling tiles.

The judges said the building is "a seamless mixture of public and private spaces that sensitively enhance an iconic development." 

The judges gave the Pingelly Recreation and Cultural Centre, located in Pingelly, Australia, the award for Best Use of Certified Timber.

The Iredale Pedersen Hook architects collaborated with Advanced Timber Concepts Studio to design the Pingelly Recreation and Cultural Centre, which is made with real timber. 

The panel of judges "were impressed with the efficient and durable timber detailing, which delivers comfort and affordability for present and future users," as stated in the WAF press release.

The Gaobu Book House, located in Guangdong, China, won the Civic and Community category.

The Condition Lab at the School of Architecture CUHK and the UAL Studio at the School of Architecture and Urban Planning GZU designed the Gabou Book House together as a community center for the 2,500 people who live in the area. 

"Gaobu Book House is totally intertwined with the community; a project that goes well beyond the actual building and demonstrates excellence of process," the judges said of the building.

New York City's Vessel took the top prize in the Display category for its open design.

Designed by Heatherwick Studios, the judges liked the Vessel because its open concept design encourages human interaction and spontaneity. 

The Castle Cove House, located in Sydney, Australia, was named the best house.

TERRIOR designed the Castle Cove House, an angular and monochromatic domestic dwelling.

The judges appreciated that "with the diversity and complexity of space, there is a visual shattering of the boundaries between inside and out."

Likewise, Cedrus Residential, located in Tehran, Iran, took home the top prize in the Completed Building Housing category.

Nextoffice designed Cedrus Residential, an apartment complex in Tehran that uses layered balconies and an open floor plan to create a dynamic space.

"This is a wonderful, holistic, and intellectually challenging project of worldwide merit," the judges said of the complex.

The Bower in London, England, won the New and Old award.

Designed by Allford Hall Monaghan Morris, the Bower is an office space that also features shopping, dining, and studios.

Located in Shenzhen, China, the Vanke Liuxiandong Design Community was named the best office.

FCHA designed Vanke Liuxiandong Design Community, a multifunctional office complex that incorporated greenery into its design. 

The judges thought FCHA made a "highly sustainable and transformed corporate environment that welcomes the public."

The Macallan Distillery and Visitor Experience in Speyside, Scotland, won the Production, Energy, and Recycling category.

Designed by Rogers Stirk Harbour + Partners, the Macallan Distillery and Visitor Experience was "masterfully embedded in the landscape through an undulating timber roof with grass cover," as noted by the WAF judges.

The YM Nursery in Yonago, Tottori, Japan, earned the top prize in the School category.

Hibinosekkei and Youji no Shiro collaborated on the YM Nursery, and encouraging children's curiosity towards nature was an integral part of the design process.

In the press release, the judges said the building "demonstrates huge sensitivity to the experience of young children, from the layout of the building as an open pavilion, to the use of materials such as wood, stone, fire, and water."

Located in Barcelona, Spain, the Turó de la Peira's Sports Center was named the winner of the Sports category.

The Turó de la Peira's Sports Center was designed by Anna Noguera and Javier Fernandez after they won an architecture contest in Barcelona for the commission. It is both an urban block and sports center, complete with a swimming pool and sports courts.

The judges gave the award to the space because of its "outstanding use of resources with a sustainable ethos."

Terminal 2 of the Mactan Cebu International Airport in Manila, Philippines, won the Transport category because it showed that everyday architecture can be outstanding.

Created by Integrated Design Associates, Terminal 2 of the Mactan Cebu International Airport is an expansion project. The judges commended its simple design that made use of locally sourced materials in an aesthetically pleasing way.

The Health category winner was the Bayalpata Regional Hospital in Acham, Nepal.

The Bayalpata Regional Hospital was created by Sharon Davis Design as the only hospital to serve the over 250,000 people living in the area.

The campus takes up 7.5 acres and offers almost any kind of medical service you can think of. 

The Kokugakuin University Learning Center in Tokyo, Japan, won the Higher Education and Research award.

Designed by Nikken Sekkei, the Kokugakuin University Learning Center sits between a shrine and a residential neighborhood, tasking it with the job of merging these two vastly different spaces. 

The judges awarded the center because it "solves complex urban challenges in a way that looks effortless."

The Lindis Lodge in Ahuriri Valley, New Zealand, was the favorite in the Hotel and Leisure category.

Architecture Workshop designed the Lindis Lodge, a luxury space located in New Zealand's Southern Alps. 

The lodge features five bedrooms, and it was made to combat the drastic changes in temperature the area experiences throughout the year.

Located in Punggol, Singapore, Oasis Terraces placed first in the Mixed-Use category.

Serie and Multiply Architects worked together to make Oasis Terraces, a mixed-use public housing space. The building features residences, shopping, and community services in one convenient location.

The judges thought the building "displays a very successful integration of disparate programs into a coherent composition, which appears very adaptable to alternative uses."

The top building in the Religion category for 2019 was Qasr Al Hosn: Al Musallah, which is located in Abu Dhabi.

Designed by CEBRA, Qasr Al Hosn: Al Musallah combines the old and the new, as the oldest structure in Abu Dhabi is part of the complex, alongside a new cultural center, according to the WAF press release.

Both buildings are given equal importance in the layout, creating a cohesive space.

"CEBRA has enhanced this heritage site and in doing so, created great architecture," according to the judges. 

Coal Drops Yard in London won the Shopping category for 2019.

Designed by Heatherwick Studios, Coal Drops Yard's two buildings were previously part of a coal plant. Heatherwick transformed it into a shopping center, linking the two buildings with a bridge.

"Through a simple gesture, the project becomes a landmark for King's Cross while respecting the site's heritage," said the judges.

Villa B in Munich, Germany, took the top spot in the Villa category.

Powerhouse Company designed Villa B, a high-end residential space that is as practical as it is beautiful.

The judges appreciated that Villa B was "engineered to meet quality expectations beyond luxury."

• Read more:
• 10 award-winning skyscrapers from around the world that show height isn't all that matters
• From a glass fortress in Bangkok to a tree house in Arkansas, here are 53 of the most beautiful buildings in the world
• 8 of the ugliest, most hated buildings in the world
• Edit in Viking 7 of the world's most incredible new buildings in 2019, according to architects

• Recent Insider polling shows that former Vice President Joe Biden's net satisfaction is currently underwater with voters earning less than $75,000 a year, who prefer Sen. Bernie Sanders. 
• Over the last 10 polls conducted between early September and early December, we broke down each candidate's satisfaction by categories including race, gender, education, and income
• The former vice president has very high satisfaction, however, among voters reporting incomes of $75,000 and above. 
• Sanders' net satisfaction by income level breaks down the opposite way of Biden's. It's highest among voters with the lowest annual incomes, but is negative among voters earning $100,000 or more per year. 
• Visit Business Insider's homepage for more stories.

Recent Insider polling shows that former Vice President Joe Biden currently underperforms with middle-class voters earning less than $75,000 a year compared to his overall performance in contrast with Sen. Bernie Sanders, who performs better among those voters relative to his overall standing. 

To help make sense of where all the 2020 candidates stand, Insider has been conducting a recurring SurveyMonkey Audience national poll for almost a year.

You can download every poll here, down to the individual respondent data, and see the sample size and margin of error for all six of the polls we cite here. (Read more about how the Insider 2020 Democratic primary tracker works).

Instead of asking respondents who they would vote for if their primary election was held tomorrow, we ask respondents which candidates they would be broadly satisfied with as the Democratic nominee. 

Over the last 10 polls conducted between early September and early December, we broke down each candidate's satisfaction by categories including race, gender, education, and income to get a look at the candidates' satisfaction by demographic group. To note an important caveat, we only broke down the results by yearly income and not total net worth, a very different metric. 

Overall, 54 percent of people in our set were satisfied with Biden as the nominee. But when you look closer, Biden's doing worse among the very middle-class voters that he aims to woo. Here's how Biden's net satisfaction breaks down by income level:

• Biden is satisfactory as the nominee to 48 percent of Democratic primary voters reporting an annual income of $10,000 or less, which is 6.5 percentage points lower than his performance overall. 
• 47 percent among voters with an income of $10,000 to $25,000 (-7.8 percentage points)
• 49 percent among voters with an income of $25,000 to $50,000 (-5.2 percentage points)
• 53 percent among voters with an annual income to $50,000 to $75,000 (-1.3 percentage points)

The former vice president has very high net satisfaction, however, among voters reporting incomes of $75,000 and above. 

Biden has half-jokingly touted himself as "Middle-Class Joe" for decades, and drawn on his working-class roots both to connect with voters and successfully court the support of labor unions and trade organizations throughout his career. 

"If I heard one more thing about the scrappy kid from Scranton, Pennsylvania, and carrying a lunch bucket — I never carried a lunch bucket, but I guess I'm the middle-class guy. By the way, I'm proud of that. I'm proud of that," Biden said at a 2009 event, according to the Washington Post.

But with an estimated net worth of $9 million, according to Forbes, Biden isn't so middle class anymore.

The Bidens earned $11 million immediately after leaving the White House in 2017 and another $4.5 million in 2018, mainly from book royalties and speaking engagements, according to tax returns and financial disclosures released by the Biden campaign earlier this summer. 

Sanders performs much better among voters earning $75k or less

People with annual incomes below $75,000 expressed the highest satisfaction with Sanders out of the major candidates recently surveyed by Insider. This could be explained in part by the fact that Sanders performs extremely well among younger voters, who tend to earn less than older ones. 

Sanders' satisfaction by income level breaks down the opposite way of Biden's. It's highest among voters with the lowest range of annual incomes, but is lower compared to his overall performance among voters earning $100,000 or more per year. 

• +7.7 percentage points among those with annual incomes of $10,000 or less.
• +8.7 percentage points among voters with an income of $10,000 to $25,000. 
• +1.8 percentage points among voters with an income of $25,000 to $50,000. 
• +1 percentage points among voters with an income of $50,000. 

Sanders has gained a loyal following of supporters around the country by embracing Democratic socialism and attempting to check the power of millionaire and billionaire corporate executives

The Vermont senator, who came from a working-class background himself, has framed his campaign largely as a fight for the least powerful Americans. Today, Sanders and his wife Jane Sanders' net worth is estimated at around $2 million. 

He supports Medicare for All, increasing the minimum wage and bolstering labor protections, making public college free, and massively expanding other social programs. 

Both Sanders and fellow progressive Sen. Elizabeth Warren have proposed levying wealth taxes specifically targeting the richest Americans to expand the United States' welfare state.

Biden, on the other hand, does not support Medicare for All or free public college, proposing notable but far less expansive programs to benefit working-class Americans such as bolstering the Affordable Care Act and investing $750 billion in higher education, which he says will be paid for with higher corporate taxes.

Read more:

Joe and Jill Biden reported earning $15.6 million from book deals and speaking engagements since leaving the White House

Joe Biden denies reports that he's considering serving only one term as president because of his age

Biden will reportedly fund his proposals by taxing the ultra-rich and massive corporations like Amazon and Netflix

SEE ALSO: Pete Buttigieg and Alexandria Ocasio-Cortez got into a nasty fight over free public college. It's part of a larger battle between progressive and centrist Democrats.

SEE ALSO: Here's everything we know about the net worth and personal finances of each 2020 Democratic presidential candidate

Join the conversation about this story »

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• Ming-Chi Kuo, an analyst for TF International Securities, said in a research note Wednesday that next year's iPhone 12 models will not go up significantly in price, according to MacRumors.
• Kuo had previously predicted that Apple plans to launch five 5G-enabled phones in 2020.
• Apple may instead try to cut costs in its supply chain, despite potential added production costs of between $30 and $100 per phone, Kuo said in his note, which was seen by MacRumors.
• Visit Business Insider's homepage for more stories. 

Apple will not significantly raise the price on next year's anticipated 5G iPhones, according to a new note by analyst Ming-Chi Kuo that was obtained by MacRumors.

Kuo had previously predicted that Apple would launch five 5G-enabled phones in 2020, including four high-end models. In Wednesday's note, he predicted that — despite increased production costs — the company would seek to save money in its supply chain instead of making customers foot the full bill for the new phones, according to MacRumors.

5G wireless networks, which are just beginning to become available, offer higher data speeds and snappier performance than current 4G LTE networks. Samsung, LG, Motorola and OnePlus already sell handsets in the US capable of using 5G, but Apple 5G phones aren't expected until next year.

Kuo did not go as far as to say that Apple wouldn't raise prices at all, only that it won't jump as much as it has in past years. According to MacRumors, Kuo also said he expects Apple might return to a design that more closely resembles the iPhone 4, which set the standard for smartphones when it was released in 2010.

Currently, prices start at $699 for the iPhone 11, $999 for the iPhone 11 Pro, and $1,099 for the iPhone 11 Pro Max.

Neither Apple nor Kuo's firm, TF International Securities, could be immediately reached for comment.

Join the conversation about this story »

NOW WATCH: Apple just revealed its AirPods Pro for $249, which feature noise cancellation. Here's everything that was wrong with the $159 pair of the wireless headphones.

• Samsung is opening a retail experience store in Palo Alto, California, in what is the company's fourth store opening of its kind in the US.
• The store is designed to give customers firsthand access to the company's product line, as well as device support and repair services.
• We toured the new store days before it opened to the public. Take a look inside.
• Visit Business Insider's homepage for more stories.

Samsung enthusiasts in Silicon Valley will soon have a physical destination to test out the tech giant's products.

The company is opening a retail experience store in the Stanford Shopping Center in Palo Alto, California, home to long-time tenant and consumer electronics competitor Apple.

The retail store will be open to the public starting on Thursday, December 12. It's the fourth retail location of its kind in the US, with others already in Southern California, Long Island, New York, and Houston, Texas.

The idea behind the store is to give Samsung customers firsthand access to the full breadth of the company's product line, from tablets and laptops to the Galaxy line of smartphones, including the company's new $2,000 Galaxy Fold. The foldable smartphone isn't in stock in the store, but customers can test it out upon request, and preorders are available. Full customer service is also available, like device repair and support.

The company said it has plans to roll out retail stores globally in the future.

"Every new store opened around the world will be based on this prototype," Alan Robles, Samsung's vice president of retail design and development, told the media during a preview of the store.

We visited the new location two days before it opened to the public. Check it out.

SEE ALSO: Samsung's wildly ambitious $2,000 folding phone that was breaking on people after days of use is finally set to arrive in September — here's the whole saga so far

Samsung's fourth US retail store will soon open in the Silicon Valley city of Palo Alto, California.

We toured the 5,000-square-foot space a couple of days before it opened to the public on December 12.

Lights in purple and blue hues bathed the entire store. It's a different, though still cool, vibe from the crisp white layout Apple customers are used to experiencing in the tech giant's own retail stores.

Samsung's new store has all of the same sections in it as the company's other US locations.

There's a wearables section, which includes the Samsung Galaxy Buds and the Galaxy Watch Active.

We spotted tablets, laptops, TVs, gaming computers, speakers ...

... the HMD Odyssey Virtual Reality Headset …

... a whole section for accessories, like phone cases ...

... and the entire center of the store was devoted to Samsung's line of Galaxy smartphones.

It's the first thing you're greeted by when you walk in.

The company chose Palo Alto because of the Bay Area's large Samsung following. Allister Jones, senior vice president of retail for Samsung, told the media that there are lots of Galaxy fans in the region.

At the very front of the store are Galaxy Note 10 smartphones in varying colors ...

... on nearby bays is the Galaxy Note 10 Plus ...

... its accompanying S Pen is in a holographic display alongside it.

Further back is the Galaxy S10e, S10, and S10 Plus ...

... then there are the Galaxy A Series phones ...

... and gleaming brightly in its own standalone case immediately to the right as you enter the store is Samsung's new $2,000 Galaxy Fold.

When the phone debuted for the first time in April 2019, reviews came out that the device was easily breaking. It was released again in September 2019, with what seems like some marked improvements.

Source: Business Insider

The foldable smartphone may be on display, but it's not in stock in-store.

Customers can test out the device upon request, as well as ones that team members have on hand, but the store is only taking preorders for now.

Jones said the company took lessons from Samsung's other retail locations when designing this one.

One was anticipating where customers move most often from section to section. So they made the bays in the store movable.

For example, if the company found that customers often gravitate from the Note 10’s to the tablets, they could move the two bays into closer proximity of each other.

Another key function of the store is to teach customers how to get the most out of their Samsung devices.

The Samsung store will have full customer service, with device repair and support available.

A Samsung spokesperson during the store preview told the media that if a customer brings their cracked phone screen in, it can be fixed within an hour.

And if the phone is deemed irreparable, it can be swapped out on-site. In the meantime, Samsung will give you a loaner device until your new phone is serviced.

The Palo Alto store will serve as a prototype for future Samsung retail shops, which Robles said the company has plans to expand in the future.

The Palo Alto store will be open to the public starting on Thursday, December 12.

• Apple News will partner with ABC to co-host the 8th Democratic presidential debate on Feb. 7, the Democratic National Committee announced Thursday.
• It will be the first debate Apple has hosted. Twitter will also co-host the 10th Democratic debate on Feb. 25.
• Some Democratic candidates for president have made breaking up big tech a focus of their campaigns, targeting Silicon Valley companies like Apple.
• Visit Business Insider's homepage for more stories.

Apple News will co-host a Democratic presidential debate in February, a first for the tech company's news service.

Apple will partner with ABC to host the eighth Democratic debate on Feb. 7 in Manchester, New Hampshire, the Democratic National Committee announced Thursday.

The new partnership comes even as some Democratic candidates have criticized big tech companies like Apple. Progressive candidates like Sens. Bernie Sanders and Elizabeth Warren have been the loudest critics of big tech companies, calling for some of the largest to be broken up and taxed more heavily.

Warren said in March that she saw Apple as an unfair monopoly that should be broken up, criticizing the control the company exerts over competitors' listings in the App Store. Sanders also slammed Apple on the campaign trail, claiming that the company "has helped create California's housing crisis."

An Apple spokesperson did not immediately respond to a request for comment.

Apple isn't the first tech company to help host a Democratic debate. Facebook c0-hosted debates in 2012 and 2016, but is absent from the debate roster announced by the DNC this year. Twitter and YouTube have also both provided questions for moderators at presidential debates in the past. Twitter is slated to co-host a debate with CBS News on Feb. 25.

Join the conversation about this story »

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• A growing number Republicans are satisfied with the cost of healthcare in the United States, according to a new Gallup poll released Wednesday.
• The increase comes as another major index from the Labor Department showed average insurance prices spiking 20% over the last year.
• The poll noted overall satisfaction with US healthcare costs is the highest since 2009 as just over one in four Americans are content with the healthcare pricing environment — though much of that boost was driven by the uptick in Republican approval.
• It suggests that heightened partisanship is swaying Republicans on healthcare just as it has been on the economy, another issue where they are much likelier than Democrats to view the situation more favorably, the Pew Research Center said.
• Visit Business Insider's homepage for more stories.

An growing number of Republicans are satisfied with the cost of healthcare in the United States, according to a new Gallup poll released Wednesday. The increase comes as another major index from the Labor Department showed average insurance prices spiking 20% over the last year.

The poll noted overall satisfaction with US healthcare costs is the highest since 2009 as just over one in four Americans are content with the healthcare pricing environment — though much of that boost was driven by the uptick in Republican approval.

The Labor Department's consumer price index, which tracks the average change over time in prices paid for goods and services, said the cost of overall medical care rose 5.1% since Nov. 2018. That measure also incorporates doctors' visits and hospital services.

The cost of health insurance had the biggest jump over the past year at 20.2%, representing one part of the broader healthcare industry. Other elements such as the price of doctors' visits and hospital services saw more modest increases at 1.4% and 3.3%, respectively.

It suggests that heightened partisanship is swaying Republicans on healthcare just as it has been on the economy, another issue where they are much likelier than Democrats to view the situation more favorably, the Pew Research Center said.

By comparison, only 9% of Democrats were satisfied with healthcare costs in the US, according to the Gallup poll.

Still, another recently-released Gallup poll showed both Democrats and Republicans broadly satisfied with what they pay for their own healthcare, though there was a notable dip in Democratic satisfaction and an increase among Republicans. 

The cost of healthcare, though, continues to rise in the United States.

That's led to Democratic primary candidates to propose a variety of methods to reform American healthcare. They range from incrementally shoring up the Affordable Care Act and introducing an optional government insurance plan to enrolling every American into a government-run insurance system.

Trump has repeatedly promised to introduce another plan to replace Obamacare, but he hasn't done so yet.

House Republicans rolled out their own alternative in October, but it looks a lot like the unpopular "skinny repeal" version that was narrowly defeated by a single Senate vote in 2017. That one has almost no chance of becoming law before the 2020 election as it would have to pass the Democratic-led lower chamber.

Join the conversation about this story »

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• Insider took a look back at the best and worst of television from 2010 to 2019.
• We ranked the top 25 and bottom 25 series based on user voting on Metacritic.
• The top shows were "Planet Earth II,""Rick and Morty," and "Chernobyl." The worst series include "Megyn Kelly Today,""Work It," and "Batwoman."
• Visit Insider's homepage for more stories.

Ranking shows that premiered a majority of its seasons from 2010 to 2019, Insider took a look at series Metacritic users believe were the best of the last decade. Their rankings were out of 10, and we used scores for all seasons of a show to come up with the average. 

Some popular shows have surprisingly lower averages. For example, "Game of Thrones" (the earlier seasons of which are the highest rated on Metacritic) wound up with lower average thanks to its divisive final season. It doesn't appear on this list. 

Keep reading to see the best and worst TV of the last decade, according to fans on Metacritic.

The best

25. "Cosmos: A Space-Time Odyssey" (National Geographic/Fox)

Synopsis: "Based on Carl Sagan's original 'Cosmos' series, astrophysicist Neil deGrasse Tyson hosts this new version."

Average Metacritic user score: 8.7

24. "Babylon" (Channel 4)

Synopsis: "The Danny Boyle black comedy co-produced with Channel 4 takes a look at the London police force including officers in the Territorial Support Group and Armed Response Unit as the new Director of Communications deals with bureaucracy and Police Commissioner Richard Miller."

Average Metacritic user score:8.7

23. "The Escape Artist" (PBS)

Synopsis: "Barrister Will Burton (David Tennant) defends accused murder Liam Foyle (Toby Kebbell) but soon finds his client more dangerous than he thought."

Average Metacritic user score:8.7

22. "Vietnam in HD" (History Channel)

Synopsis: "New, unseen footage is included in the six-part mini-series about the Vietnam War narrated by Michael C. Hall."

Average Metacritic user score:8.7

21. "Person of Interest" (CBS)

Synopsis: "Reese is a former CIA agent presumed dead who is recruited by Finch , a mysterious billionaire, to help stop crime before it happens with the help of Finch's software."

Average Metacritic user score:8.7

20. "Suits" (USA)

Synopsis: "'Suits' is a legal drama [following] drop-out Mike Ross who accidentally lands a job with one of New Yorks best legal closers, Harvey Specter. They soon become a winning team with Mike's raw talent and photographic memory, and he soon reminds Harvey of why he went into the field of law in the first place."

Average Metacritic user score:8.7

19. "The Ricky Gervais Show" (HBO)

Synopsis: "Based on the series of podcasts that Gervais did with longtime partner Stephen Merchant, this comedy team convenes to bring HBO an animated series about their hilarious friend Karl Pilkington."

Average Metacritic user score: 8.7

18. "BoJack Horseman" (Netflix)

Synopsis: " An animated comedy about the struggles of the former sitcom half-horse, half-man star while living in Los Angeles."

Average Metacritic user score: 8.76

17. "The Night Of" (HBO)

Synopsis: "The limited crime drama series created by Steven Zaillian and Richard Price (loosely based on BBC series 'Criminal Justice') examines the New York City criminal system through attorney Jack Stone and his client, a young Pakistani named Nasir Khan, who's accused of murder."

Average Metacritic user score:8.8

16. "Marvel's Daredevil" (Netflix)

Synopsis: "In New York City's Hell's Kitchen neighborhood, Matt Murdock fights for justice as a blind lawyer in the daylight and as Daredevil at night."

Average Metacritic user score:8.8

15. "Dirk Gently's Holistic Detective Agency" (BBC America)

Synopsis: "The adaptation of a Douglas Adams series (which also was made as a 2012 BBC comedy) follows holistic detective Dirk and his assistant Todd as they investigate cases."

Average Metacritic user score: 8.8

14. "Frozen Planet" (BBC/Discovery)

Synopsis: "Narrated by Alec Baldwin, the BBC and Discovery coproduced documentary series goes north and south to cover life in the Arctic and Antarctic."

Average Metacritic user score:8.8

13. "Justified" (FX)

Synopsis: "This show is about US Marshal Raylan Givens, a modern day 19th century-style lawman, who enforces his brand of justice to put a target on his back with criminals and puts him at odds with his bosses in the Marshal service. As a result, he gets reassigned to the US District covering the town where he grew up."

Average Metacritic user score:8.83

12. "Fargo" (FX)

Synopsis: "The series based on the Coen brothers' Oscar-winning film begins with the arrival of Lorne Malvo to Minnesota. Lorne's actions brings major changes to the lives of insurance salesman Lester Nygaard; Officer Molly Solverson, the daughter of former chief; and Duluth Deputy Gus Grimly. Other people in town include grocery chain owner Stavros Milos, widow Gina Hess, and Deputy Bill Oswalt."

Average Metacritic user score:8.86

11. "Better Call Saul" (AMC)

Synopsis: "The spin-off of 'Breaking Bad' focuses on Albuquerque lawyer Saul Goodman (Bob Odenkirk)."

Average Metacritic user score:8.88

10. "Our Planet" (Netflix)

Synopsis: "The eight-part series from 'Planet Earth' and 'Blue Planet' director Alastair Fothergill was filmed over four years with 4k cameras and narrated by David Attenborough."

Average Metacritic user score:8.9

9. "Ash Vs. Evil Dead" (Starz)

Synopsis: "The comedic horror series from by Sam Raimi and Bruce Campbell finds Ash trying to keep away from the Evil Dead for the past 30 years. When a Deadite plague breaks out, a reluctant Ash with the help of Pablo Simon Bolivar and Kelly Maxwell try to end Evil once and for all."

Average Metacritic user score:8.9

8. "Sherlock" (BBC)

Synopsis: "This three-part series retells the tale of England's most celebrated detective but in a modern-day setting, with Benedict Cumberbatch and Martin Freeman taking the leads as Sherlock Holmes and Dr. John Watson respectively."

Average Metacritic user score:8.9

7. "Rectify" (SundanceTV)

Synopsis: "After 19 years in prison for the rape and murder of his girlfriend, Daniel Holden is released due to DNA evidence. His return home brings new challenges including new family members and a divided community."

Average Metacritic user score:8.925

6. "Sex & Drugs & Rock & Roll" (FX)

Synopsis: "Twenty-five years after New York rock band The Heathens broke up due to sex and drugs, lead singer Johnny Rock wants to stage a comeback with the help of lead guitarist Flash and a 22-year singer named Gigi in this comedy created by Leary."

Average Metacritic user score: 9

5. "Making a Murderer" (Netflix)

Synopsis: "Moira Demos and Laura Ricciardi's 10-part documentary focuses on the case of Steven Avery, a man convicted of sexual assault, before being exonerated by DNA evidence 18 years later. A few years later, he's convicted in the disappearance and murder of another woman."

Average Metacritic user score: 9.05

4. "Longmire" (A&E/Netflix)

Synopsis: "Walt Longmire (Robert Taylor) is a sheriff in a small Wyoming town in this adaptation of the mystery novels by Craig Johnson."

Average Metacritic user score:9.1

3. "Chernobyl" (HBO)

Synopsis: "Soviet nuclear physicist Valery Legasov, Soviet Deputy Prime Minister Boris Shcherbina, and Soviet nuclear physicist Ulana Khomyuk are some of the people who worked to stop radioactive material from spreading further during the 1986 nuclear disaster at the Chernobyl Nuclear Power Plant in this HBO/Sky co-production five-part miniseries."

Average Metacritic user score: 9.3

2. "Rick and Morty" (Adult Swim)

Synopsis: "The animated comedy from Dan Harmon and Justin Roiland follows the adventures of mad scientist Rick Sanchez, who returns after 20 years to live with his daughter, her husband, and her children Morty and Summer."

Average Metacritic user score:9.3

1. "Planet Earth II" (AMC/BBC/Sundance)

Synopsis: "Narrated by David Attenborough, the sequel to the 2006 nature series features the use of 4K ultra high definition, aerial drones, and remote recordings to explore the habitats and animals on islands, mountains, jungles, deserts, grasslands and cities."

Average Metacritic user score:9.3

The worst

25. "Are We There Yet?" (TBS)

Synopsis: "This show is based on the movie that came out in 2005, where Nick, played by Ice Cube, wants to date Suzanne but has to deal with her kids to get to her first."

Average Metacritic user score: 2.8

24. "Amish Mafia" (Discovery Channel)

Synopsis: "A small group of men protect and maintain order amongst the Amish in Lancaster County."

Average Metacritic user score:2.8

23. "We Are Men" (CBS)

Synopsis: "Carter moves into a short-term rental complex where he meets and befriends three divorced men."

Average Metacritic user score: 2.8

22. "Allen Gregory" (Fox)

Synopsis: "The animated comedy created by Jonah Hill, Andrew Mogel, and Jarred Paul focuses on the seven-year-old title character voiced by Hill."

Average Metacritic user score:2.7

21. "The Show With Vinny" (MTV)

Synopsis: "'Jersey Shore's' Vinny Guadagnino hosts celebrities at his family's house in Staten Island."

Average Metacritic user score: 2.7

20. "The Leisure Class" (HBO)

Synopsis: "A dashing English con man's scheme to marry into a prominent East Coast family is threatened by the arrival of his unhinged, ne'er-do-well brother on the eve of his wedding to the daughter of a US senator."

Average Metacritic user score:2.7

19. "The Nightly Show With Larry Wilmore" (Comedy Central)

Synopsis: "With Stephen Colbert moving to CBS, Larry Wilmore moves to the daily late night desk full-time."

Average Metacritic user score:  2.7

18. "White People" (MTV)

Synopsis: "Jose Antonio Vargas traveled across the United States to talk to young people about race for his documentary."

Average Metacritic user score:2.6

17. "Sex Box" (WE)

Synopsis: "Three experts: Chris Donaghue, Fran Walfish, and Yvonne Capehart discuss relationship and sex issues with three different couples before and after they have sex in the on stage cube in the reality show based on a British show."

Average Metacritic user score:2.5

16. "Charmed" (CW)

Synopsis: "Still reeling from their mother's death, Mel and her younger sister Madison discover they have an older sister named Macy. Soon after, they start manifesting powers and are told they are witches who must protect the world from demons in this reboot of the WB series from Jennie Snyder Urman, Amy Rardin and Jessica O'Toole."

Average Metacritic user score:  2.5

15. "Jersey Shore" (MTV)

Synopsis: "MTV takes you to the Jersey Shore to meet eight young adults living in a summer share in some of the most popular vacation spots, and we watch them go through work, love, friendship, drama and hookups."

Average Metacritic user score:2.4

14. "I Wanna Marry Harry" (Fox)

Synopsis: "Twelve contestants from the US travel to England for a chance to win the heart of Prince Harry. The only problem is he's not a royal, just a lookalike."

Average Metacritic user score:  2.4

13. "Here Comes Honey Boo Boo" (TLC)

Synopsis: "The spin-off of 'Toddlers and Tiaras' focuses on six-year-old beauty queen Alana Thompson and her family."

Average Metacritic user score:2.15

12. "The Real Housewives of Miami" (Bravo)

Synopsis: "Follow the lives of the elite women living in Miami, Florida."

Average Metacritic user score:2.1

11. "Bristol Palin: Life's a Tripp" (Lifetime)

Synopsis: "The life of raising a son as a single mother is the focus of this reality show with Bristol Palin, the daughter of former Republican vice presidential candidate Sarah Palin."

Average Metacritic user score:2.0

10. "Uncle Buck" (ABC)

Synopsis: "Uncle Buck (Mike Epps) takes care of his brother's children after their nanny quits in this latest remake of the John Candy film."

Average Metacritic user score:1.9

9. "Dolly Parton's Heartstrings" (Netflix)

Synopsis: "The anthology series based on Dolly Parton's songs features a cast that includes Ginnifer Goodwin, Julianne Hough, Melissa Leo, Camryn Manheim, Dallas Roberts, Sarah Shahi, Kathleen Turner, and Bellamy Young."

Average Metacritic user score:1.8

8. "Batwoman" (CW)

Synopsis: "With Batman/Bruce Wayne gone from Gotham, Kate Kane takes the mantle as Batwoman in the Greg Berlanti and Caroline Dries series based on the DC characters."

Average Metacritic user score:1.8

7. "High Society" (CW)

Synopsis: "This CW reality series follows famed New York socialite Tinsley Mortimer and her high-profile friends."

Average Metacritic user score:1.6

6. "Sarah Palin's Alaska" (TLC)

Synopsis: "This show will mirror a 'Planet Earth' style that will feature Sarah Palin and her family on camera and focus on her Alaskan homeland."

Average Metacritic user score:  1.5

5. "H8R" (CW)

Synopsis: "Mario Lopez hosts this reality show where celebrities meet one of their fiercest critics."

Average Metacritic user score:1.5

4. "The Houstons: On Our Own" (Lifetime)

Synopsis: "The reality show features Whitney's daughter, Bobbi Kristina (known as Krissy); her adopted son, Nick Gordon; her sister-in-law and manager, Pat Houston; her older brother, Gary; and her mother, Cissy."

Average Metacritic user score: 1.4

3. "The Hunt for the Trump Tapes With Tom Arnold" (Viceland)

Synopsis: "Former 'Celebrity Apprentice' contestant Tom Arnold seeks out video tapes rumored to be potentially damaging to Donald Trump."

Average Metacritic user score:  1.0

2. "Work It" (ABC)

Synopsis: "After they're laid off, Lee Standish and Angel Ortiz dress up as women to get new jobs as pharmaceutical sales wo(men)."

Average Metacritic user score:0.9

1. "Megyn Kelly Today" (NBC)

Synopsis: "The morning talk show hosted by former Fox News anchor Megyn Kelly features celebrity interviews with news and lifestyles segments."

Average Metacritic user score:0.6

• A record number of candidates are vying for the Democratic nomination to take on President Donald Trump in 2020. 
• In November, New York Mayor Michael Bloomberg filed paperwork to run in the Alabama and Arkansas, and former Massachusetts Governor Deval Patrick also announced a presidential bid. 
• The most recent Democratic candidates to drop out were Sen. Kamala Harris, former Rep. Joe Sestak and former Gov. Steve Bullock.
• Former Massachusetts Governor Bill Weld, and former GOP congressman Joe Walsh are also challenging Trump in the Republican primary.
• Here's a list of the major party 2020 presidential candidates. 
• Visit Business Insider's homepage for more stories.

Soon after assuming the office of the presidency in January 2017, President Donald Trumpfiled preliminary paperwork that laid the groundwork for re-election in 2020.

Currently, 15 Democratic contenders are lined up to challenge Trump — making for one of the largest and most diverse primary fields in recent history. So far, several Democrats have also dropped out of the race.

In November, two new candidates joined the Democratic field. New York Mayor Michael Bloomberg filed paperwork to run in the Alabama and Arkansas, and former Massachusetts Governor Deval Patrick also announced a presidential bid on November 14. 

The most recent Democratic candidates to drop out Sen. Kamala Harris, former Rep. Joe Sestak, and former Gov. Steve Bullock.

Former Vice President Joe Biden, five current and former US Senators, two current and former members of the House of Representatives, three mayors, one governor, two businessmen, and one prominent author are now in the race.

Trump is also facing opposition within his own party. Former Massachusetts governor Bill Weld, and former GOP congressman and conservative radio host Joe Walsh are both challenging Trump in the Republican primary. Former South Carolina governor and Rep. Mark Sanford, who was also challenging Trump in the GOP primary, also ended his bid on November 12. 

Here are all the major party candidates running for president in 2020: 

SEE ALSO: Kamala Harris is dropping out of the 2020 Democratic presidential race

Former Massachusetts Governor Deval Patrick

Patrick also made a late entry into the race, officially announcing his campaign on November 14. 

While Patrick hasn't been very active on the political scene for the past few years, he's led a long career in business and politics. He served as the governor of Massachusetts from 2007 to 2015, and was most recently a managing director at Bain Capital, the private equity firm founded by Sen. Mitt Romney. 

"I admire and respect the candidates in the Democratic field," Patrick said in his announcement video. "But if the character of the candidates is an issue in every election, this time is about the character of the country." 

Patrick will have a tough uphill battle in his presidential bid. He's already missed the filing deadline for two Super Tuesday state primaries in Alabama and Arkansas, and unlike Bloomberg, doesn't have billions of dollars in personal wealth to draw from. 

Read more about Deval Patrick's campaign.

Former New York City Mayor Michael Bloomberg

On November 7, The New York Times reported that former New York City Mayor Michael Bloomberg is making a late entrance in the 2020 Democratic primary and has filed to run in the Democratic primary presidential primaries in Alabama and Arkansas.

Bloomberg will have to work quickly to get his campaign off the ground just three months out from the Iowa caucus on February 2, and New Hampshire primary on February 9, but he has the luxury of being able to self-fund his campaign.

Citing sources close to Bloomberg, The Times reported that in recent months, he's become increasingly concerned over former Vice President Joe Biden's lackluster fundraising and slipping performance in the polls.

He's also worried about the rise of Sens. Bernie Sanders and Elizabeth Warren, two leading Democratic candidates who have both proposed hefty taxes on billionaires Bloomberg and greater regulation on big business.

Read more about Michael Bloomberg's campaign.

Former Tea Party congressman and conservative radio show host Joe Walsh.

Walsh, who served one term in Congress from 2011 to 2013, announced he would launch a primary challenge against Trump on August 25.

Speaking to ABC's George Stephanopoulos, Walsh said, "We've got a guy in the White House who is unfit, completely unfit to be president and it stuns me that nobody stepped up, nobody in the Republican party stepped up."

While Walsh initially voted for and supported Trump, he has since become one of Trump's most vocal critics, calling Trump's behavior "narcissistic" and "childish." 

Read more about Joe Walsh's campaign.

Billionaire financier and liberal activist Tom Steyer

Steyer, who is 62 and based in San Francisco, made his fortune as an investor and hedge fund manager — but has since focused his efforts on advancing progressive causes with two organizations: Need To Impeach, and NextGen America, the latter of which is focused on combating climate change. 

In January 2019, Steyer said he did not plan to run for president and would be "dedicating 100% of my time and effort in 2019 towards Mr. Trump's impeachment and removal from office."

But Steyer since changed his mind, making a late entrance into the 2020 field with a video announcement on July 9 and planning to spend at least $100 million of his own money on his campaign. 

Read more about Tom Steyer's campaign.

Senator Michael Bennet of Colorado

Bennet, the 21st Democrat and seventh US senator to announce a 2020 presidential campaign, is currently serving his second elected term as Colorado's senior senator.

"I think this country faces two enormous challenges,"Bennet said about his decision to run on "CBS This Morning".

"One is a lack of economic opportunity and mobility for most Americans and the need to restore integrity to our government."

As a senator, Bennet has mainly been known for his quiet intellect, bipartisan legislative achievements, and affable demeanor. 

But this January the usually demure Bennet went viral for an uncharacteristically fiery and passionate speech on the Senate floor slamming Sen. Ted Cruz for shedding "crocodile tears" over the then-ongoing government shutdown.

Read more about Michael Bennet's campaign.

Former Vice President and Senator Joe Biden of Delaware

After months of teasing a presidential run, Biden officially entered the race with a video announcement on April 25, the 20th Democratic candidate to join the Democratic field.

"...if we give Donald Trump eight years in the White House, he will forever and fundamentally alter the character of this nation, who we are, and I cannot stand by and watch that happen,"Biden said in his announcement. 

Biden, 77, enters the race as a frontrunner with unparalleled name recognition among Democratic primary voters, leading nearly every single pre-primary poll conducted before he officially declared his candidacy.

Biden, who served as President Barack Obama's Vice President for eight years and a US Senator for 36, is drawing on his blue-collar roots and close ties to organized labor to directly challenge Trump in Rust Belt states he carried in 2016.

The former vice president, who has been in politics for almost 50 years, will still have to contend with some of the more controversial aspects of his record, and make the case for his candidacy in the largest and most diverse Democratic presidential primary field in recent history.

Read more about Joe Biden's campaign.

Former Governor Bill Weld of Massachusetts

Weld, who served as Massachusetts' governor in the 1990s and was more recently on the Libertarian Party ticket in 2016 as presidential candidate Gary Johnson's running mate, announced his campaign on April 15.

"It is time for patriotic men and women across our great nation to stand and plant a flag. It is time to return to the principles of Lincoln — equality, dignity, and opportunity for all," he said in his announcement statement. 

"There is no greater cause on earth than to preserve what truly makes America great. I am ready to lead that fight."

Read more about Bill Weld's campaign. 

Senator Bernie Sanders of Vermont

Bernie Sanders will be competing for the Democratic nomination for the second time, he announced on February 19.

The 77 year-old Vermont senator, who is officially an independent but caucuses with Democrats in Congress, and former Burlington mayor has been a progressive stalwart for decades and built up a strong base of support for his platform in 2016 despite falling short to Hillary Clinton in the primary.

"Our campaign is about more than beating Donald Trump," he said in his announcement video. "It's about transforming our country and creating a government based on the principles of economic, social, racial, and environmental justice."

This time around, Sanders will face much stiffer competition in a Democratic field that could hold over 20 candidates — many of whom are running on platforms that emphasize his signature issues of reducing income inequality and the power of big corporations in America. 

Read more about Bernie Sanders' campaign.

Senator Amy Klobuchar of Minnesota

On February 10, three-term US Senator from Minnesota Amy Klobuchar became the 12th Democratic candidate and 6th woman to jump into the 2020 field. 

In true Minnesota fashion, Klobuchar announced her candidacy at an outdoor event during a blizzard, giving her speech without a hat, gloves, or a teleprompter. 

Klobuchar is counting on her reputation as a measured, pragmatic moderate with a "Minnesota nice" demeanor to dominate among Midwestern voters — and pose a stark contrast to President Donald Trump. 

Her campaign rollout may be hampered, however, by recent reports published in BuzzFeed News and the Huffington Post detailing alleged mistreatment and humiliation of her staff. According to one report, three people turned down the job of running her campaign over those allegations. 

Read more about Amy Klobuchar's campaign.

Senator Cory Booker of New Jersey

Cory Booker, the 11th Democrat to jump into the race, officially announced his candidacy for President on February 1. 

Booker has served in the US Senate since 2013, and is known for his liberal voting record and emphasis on social and criminal justice issues. He played a key role in passing a large bipartisan criminal justice bill, the First Step Act, in December. 

Before being elected to the Senate, booker served two terms as Mayor of Newark, New Jersey  where he still resides. He holds a degree from Stanford University, where he played on the football team, and a law degree from Yale University. 

Read more about Cory Booker's campaign.

Motivational speaker, author, and friend of Oprah Winfrey Marianne Williamson

Marianne Williamson, a motivational speaker, New York Times best-selling author, and one-time congressional candidate with a substantial following announced her candidacy for president on Monday night.

Williamson, the 10th Democratic candidate to jump into the race, began speaking and writing self-help books rooted in New Age spirituality in Los Angeles in the 1980s. She's also been heavily involved in AIDS awareness and advocacy efforts. 

A 1992 appearance on Oprah Winfrey's show helped launch her into Hollywood's elite class as the preferred spiritual guide for many in the entertainment world. 

Her first foray in politics was an independent run for Congress in California's 33rd congressional district in 2014. She ended up losing to current Rep. Ted Lieu, but is now launching a bid for the highest office in the land.

Read more about Marianne Williamson's campaign.

Mayor Pete Buttigieg of South Bend, Indiana

Pete Buttigieg, mayor of South Bend, Indiana, announced his candidacy for the Democratic nomination on January 23, 2019 via a video and email sent to his supporters. 

The mayor just turned 37, making him the youngest entrant (so far) in the battle for the Democratic nomination. Buttigieg is also the only openly gay candidate to date in the running.

Along with Rep. Tulsi Gabbard of Hawaii and Rep. Seth Moulton of Massachusetts, Buttigieg is one of three military combat veterans running for the Democratic nod, having served with the US Naval Reserve in Afghanistan in 2013.

In the video, Buttigieg, who is making the jump from city to national politics, said he belongs to "a generation that is stepping forward right now." 

"We're the generation that lived through school shootings, that served in the wars after 9/11, and we're the generation that stands to be the first to make less than our parents unless we do something different," he said in his announcement video.

Read more about Pete Buttigieg's campaign.

Former Housing and Urban Development Secretary Julián Castro

Julian Castro declared his candidacy on January 12 in a widely publicized announcement event in San Antonio, Texas, his hometown and where he served as mayor for five years. 

Castro's official announcement came weeks after his brother had revealed the news during an interview with Stephen Colbert in December.

Under Castro's tenure, HUD expanded lead safety protections in federally assisted housing, worked to reconstruct communities affected by natural disasters under a $1 billion National Disaster Resilience Competition, and fulfilled the Fair Housing Act.

Read more about Julian Castro's campaign.

Representative Tulsi Gabbard of Hawaii

Gabbard announced her candidacy on January 11 in an interview with CNN's Van Jones.

The Hawaii representative has been in Congress since 2012, and has been at times a rising star for progressives but also sometimes challenging to the rest of her party. Her positions on foreign policy, in particular, have at times put her at odds with many on the left over the past year or two.

Read more about Tulsi Gabbard's campaign.

Senator Elizabeth Warren of Massachusetts

On a video posted to her website on December 31, 2018, Massachusetts Senator Elizabeth Warrenannounced that she was launching an exploratory committee for a presidential run in 2020. In the video, Warren — who has long been expected to run – described her vision of defending the middle class, which she said was "under attack."

Warren quickly began recruiting top staff in key primary states including New Hampshire and Iowa, and has campaigned in those states, South Carolina, and Puerto Rico. 

Read more about Elizabeth Warren's campaign.

Entrepreneur Andrew Yang

Andrew Yang, an American entrepreneur and founder of Venture for America, announced his presidential candidacy on November 6, 2017.

Yang's campaign prominently features giving all Americans a basic $1,000 monthly income. 

Read more about Andrew Yang's campaign.

Former Representative John Delaney of Maryland

Former Maryland Representative John Delaney was the first major Democrat to declare a presidential bid.

Delaney, who was a US representative from 2013 to 2019, announced his decision to run on July 28, 2017.

In a Washington Post op-ed announcing his candidacy, Delaney said "The current administration is making us less prosperous and less secure. I'm running because I have an original approach to governing and an economic policy that can put us on a different course." 

Read more about John Delaney's campaign.

President Donald Trump

President Donald Trump is seeking reelection in 2020. He announced his intentions to do so just days into his first term, on January 20, 2017. 

Dropped out: Senator Kamala Harris of California

Harris made her announcement on Martin Luther King Day, or January 21, via Twitter and her campaign website.

The Democratic senator for California is currently serving her first term in the Senate, similar to former President Barack Obama, who was initially criticized for his inexperience after he announced his 2008 presidential campaign as a first-term senator.

Prior to her role in the Senate, Harris was California's attorney general and served as the district attorney of San Francisco.

While her campaign got off to a promising start, Harris was overshadowed by the other top candidates and dropped out of the race on December 3, 2019 amid reports of financial struggles and infighting among her campaign team. 

Read more about Kamala Harris' campaign.

Dropped out: Former Rep. Joe Sestak of Pennsylvania

Sestak, a former two-term congressman from Pennsylvania and Navy admiral, became the 25th candidate to join the 2020 field on June 22, missing the deadline to qualify for the first Democratic debates. 

After retiring from the House in 2010, Sestak unsuccessfully ran for US Senate in Pennsylvania both in 2010 and 2016, famously walking over 400 miles across Pennsylvania during his second Senate run. 

In his announcement video, Sestak emphasized his 31 years of military service as an important qualification to serve as president, saying, "when faced with the decision on whether to use our military, our commander in chief will know how it will end before deciding if it is wise to begin."

Read more about Joe Sestak's campaign.

Dropped out: Governor Steve Bullock of Montana

Bullock, the Democratic governor of Montana, announced he's running for a president on May 14th, the 22nd Democratic contender and the third governor to join the field.

In an announcement video posted online Tuesday morning, Bullock highlighted his work passing bipartisan legislation to ban corporate money in Montana's elections as governor.

Bullock argues he brings unique strength to the table as a Democratic governor who was re-elected the same year Trump won his state by 20 points — and has since achieved progressive victories including expanding Medicaid and freezing university tuition in the spring 2019 Montana legislative session.

Read more about Steve Bullock's campaign.

Dropped out: former South Carolina governor and Rep. Mark Sanford

Sanford announced on September 8, 2019 that he would launch a primary challenge to Trump, which marked the third challenge from within the president's party. 

The former congressman lost a primary in 2018 after emerging as a vocal critic of Trump, who in turn encouraged voters to vote against him. 

In a "Fox News Sunday" interview announcing the challenge, Sanford said he thinks "we need to have a conversation on what it means to be a Republican."

"I think that as a Republican Party we have lost our way," he added. After Stanford's long-shot bid failed to gain any traction, he dropped out of the race on November 12.

Read more about Mark Sanford's campaign.

Dropped out: Former Congressman Beto O'Rourke of Texas

Beto O'Rourke formally announced his candidacy for president on March 14, ending months of speculation over his presidential plans.

"The only way for us to live up to the promise of America is to give it our all and to give it for all of us,"he said in a video announcing his candidacy alongside his wife Amy. 

"The interconnected crises in our economy, our democracy, and our climate have never been greater," O'Rourke added. "And they will either consume us, or they will afford us the greatest opportunity to unleash the genius of the United States of America."

The three-term congressman from El Paso broke fundraising records and became a national sensation in the fall of 2018 when he came within three points of defeating Republican Sen. Ted Cruz in Texas, a traditionally red state. 

O'Rourke announced he was ending his campaign on November 1, after failing to break through the crowded field. In a Medium post, he cited that the campaign did "not have the means to move forward successfully."

Read more about Beto O'Rourke's campaign.

Dropped out: Congressman Tim Ryan of Ohio

Ryan, who represents Ohio's 13th congressional district in eastern Ohio, announced he's running for president during an April 4 appearance on "The View."

A moderate Democrat who has served in the House since 2003, Ryan is best known for his passionate advocacy on behalf of Midwesterners who have suffered from the decline in manufacturing jobs in the region.

On his campaign website, Ryan says that "failed leadership and broken promises have destroyed the middle-class, forcing our economy into crisis and pushing the American Dream out of reach."

Ryan was also one of the key leaders of an unsuccessful effort spearheaded by moderate Democrats to block Nancy Pelosi from becoming Speaker of the House after Democrats took back control of the chamber in 2018. 

After failing to gain any traction in the polls or qualify for the DNC fall Democratic debates, Ryan finally quit the race on October 24. 

Read more about Tim Ryan's campaign.

Dropped out: Mayor Bill De Blasio of New York City

De Blasio announced his presidential run on "Good Morning America" and with a video posted to social media. 

De Blasio is best known for his ambitious progressive policy proposals aimed at reducing income inequality and increasing the amount of affordable housing in New York by taxing the city's wealthiest residents.

His gruff and often blustery approach, however, has made him highly unpopular both among New Yorkers and the Democratic primary electorate. 

A Quinnipiac University poll conducted in April found he has an underwater approval rating within his own city, and a Monmouth University poll released in March found that of 12 declared and potential Democratic presidential candidates, De Blasio was the only one to receive a negative favorability rating.

De Blasio dropped out of the race on September 20 after failing to qualify for the fall debates or gain any momentum in the polls. 

Read more about Bill de Blasio's campaign.

Dropped out: Senator Kirsten Gillibrand of New York

Gillibrand began her political career as a moderate, blue-dog Democrat representing a conservative district in upstate New York.

She has made a name for herself as a strong progressive voice in the US Senate, in which she has served since 2009. Gillibrand has advocated for stronger policies around addressing sexual assault in the military, lowering healthcare costs, and decreasing economic and gender inequality.

Gillibrand ran a campaign centered around women's empowerment with a focus on issues like paid family leave and reproductive rights, but failed to break out in the field or crack more than 1% to 2% in the polls.

She announced she would leave the race on August 28 after failing to qualify for the September primary debate. 

Read more about Kirsten Gillibrand's campaign.

Dropped out: Congressman Seth Moulton of Massachusetts

Moulton, who has represented Massachusetts' 6th congressional district since 2015, became the 19th Democrat to join the 2020 presidential field on April 22. 

"I am running because I am a patriot, because I believe in this country and because I have never wanted to sit on the sidelines when it comes to serving it,"Moulton told ABC's George Stephanopoulos. 

Before running for Congress, Moulton served in the Marine Corps and completed four tours of duty in Iraq. A relatively moderate Democrat, he focused his presidential campaign on issues of foreign policy and national security. 

Moulton dropped out of the race on August 23 to run for re-election in the House after he failed to qualify for any Democratic primary debates.

Read more about Seth Moulton's campaign.

Dropped out: Washington Governor Jay Inslee

Inslee, who has served as governor of Washington since 2012, has held some form of public office for most of the past 30 years. The long-time lawmaker is billing himself as the "climate candidate."

"I'm Jay Inslee and I'm running for president because I am the only candidate who will make defeating climate change our nation's number one priority," Inslee said in a video released March 1.

While governor, Inslee has made reducing carbon emissions and promoting renewable energy a top priority.

The video also shows Inslee in the aftermath of wildfires as he says in a voiceover: "We are the first generation to feel the sting of climate change. And we're the last that can do something about it."

After participating in the first two debates and putting climate change on the agenda as a crucial campaign issue, Inslee announced he would drop out of the race on August 21. 

Read more about Jay Inslee's campaign.

Dropped out: former Colorado Governor John Hickenlooper

Hickenlooper launched his 2020 presidential campaign on March 4, making the former Colorado governor the 14th Democratic candidate to enter the field.

Hickenlooper, 66, was highly popular as governor for two terms before being succeeded by Democratic Gov. Jared Polis. Before that, he served as mayor of Denver (a nonpartisan position) and was a successful businessman who founded Colorado's first brewery pub, helping bring jobs and economic development to Denver.

Hickenlooper struggled to stand out as a viable centrist candidate in the shadow of Biden, however and dropped out of the presidential race on August 15, 2019.

A week later on August 22, Hickenlooper jumped into Colorado's US Senate race to challenge vulnerable GOP. Sen Cory Gardner in 2020. 

Read more about John Hickenlooper's campaign.

Dropped out: former Alaska Sen. Mike Gravel

Gravel, now 89, officially filed to run for president on April 2. His leftist, anti-war presidential campaign was originally a protest campaign with the goal of simply raising enough money for Gravel to qualify for the first Democratic debates, but he's now running to win.

The Gravel campaign is running on a platform of anti-imperialist and leftist principles, and is being managed by three teenagers from New York, who are innovative-ly using Twitter to get out the former senator's message.

After failing to make any of the debates, Gravel dropped out of the race and endorsed Sanders on August 6, 2019.

Read more about Mike Gravel's campaign. 

Dropped out: California Congressman Eric Swalwell

Swalwell, who has represented California's 15th Congressional district since 2013, announced the launch of his presidential campaign on "The Late Show with Stephen Colbert" on April 8. 

The 18th Democrat to jump into the race, Swalwell ran a campaign largely focused on reducing gun violence in America and directly taking on the National Rifle Association, an organization he sees as directly contributing to gun violence. 

Swalwell currently serves on the high-profile House Select Committee on Intelligence and the Judiciary Committee and has been actively involved in those committees' investigations into Russian interference in the 2016 election. 

On July 8, Swalwell dropped out of the 2020 presidential race to run for re-election in the House after failing to break through 1% in the polls and disappointing second-quarter fundraising performance. 

Read more about Eric Swalwell's campaign. 

Dropped out: West Virginia State Senator Richard Ojeda

Richard Ojeda, a member of the West Virginia Senate, announced he was running for the presidency on November 11, 2018. He ran for Congress in West Virginia's third congressional district in 2018, losing to Republican Carol Miller. 

However, on January 25, 2019, Ojeda dropped out of the presidential race after resigning from the State Senate. 

Mariana Alfaro contributed to a previous version of this report. 

Read more: 

Trump has implemented much of his conservative agenda through executive power — and it could be easily undone if a Democrat wins in 2020

• You can get Instagram on your iPad and use the app as you would on your iPhone, but you'll be limited by the display. 
• Because the Instagram app is not optimized for your iPad, the window will not fill your entire screen at its highest resolution — you're essentially just using the smaller iPhone app on a larger screen. 
• If you go to Instagram on your iPad through the Safari browser, you can view the full-sized site and enjoy viewing content, though your ability to post and comment is limited in this format.
• Visit Business Insider's homepage for more stories.

Instagram was designed to be used on the smartphone, with a built-in camera, constant internet connection, and the portability of an iPhone or Android phone. 

While on a computer, you can like Instagram posts, comment on them, and share, but you can't add new content to the platform — unless you know a clever hack. 

But what about the iPad? While there is no dedicated Instagram app for an iPad, you can still use Instagram on your tablet and engage with the social media platform as much as you would on a phone.

Check out the products mentioned in this article:

iPad (From $329.99 at Best Buy)

iPhone 11 (From $699.99 at Best Buy)

Samsung Galaxy S10 (From $899.99 at Best Buy)

How to get Instagram on your iPad

On your iPad, go to the App Store and search for Instagram.

You'll need to adjust the filter for available apps to include iPhone-specific apps. To do this, tap "Filters" in the top-left corner and select "iPhone Only." 

Once you've searched for and found Instagram with the correct filter, tap "GET" to download the app, then open it and log in with your Instagram account.

You might notice that the window Instagram uses does not fill the iPad screen by default. This is because the app is not optimized for your tablet. You can expand the app by selecting the full-screen option in the bottom right corner of your screen, though a black border will still surround the app, and it won't be at an optimal resolution. 

Regardless, you can post and add to your story via the app on your iPad — you're essentially just using the iPhone app on your iPad. 

For a better full-screen content viewing experience, just go to Instagram via the iPad's Safari web browser. However, because it's the browser version, you won't be able to post on Instagram this way. 

Related coverage from How To Do Everything: Tech: 

• How to post on Instagram from your phone or a computer, using the official app or an internet browser

• How to use the Shop feature on Instagram, so you can buy featured products directly in the mobile app

• How to contact Instagram for help with your account, or to report other accounts

• How to edit an Instagram post to change the caption, tag people, add a location, or edit the 'alt text'

• How to delete your Instagram account on an iPhone, or temporarily disable it

SEE ALSO: The best iPads you can buy

Join the conversation about this story »

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• Preeclampsia is a type of hypertensive disorder that occurs in the third trimester of pregnancy and affects about 5% of women.
• Developing preeclampsia while pregnant can be dangerous to the health of you and your baby. For babies, it can lead to growth restriction, preterm delivery, or even stillbirth. For you, it can lead to excessive internal and external bleeding, seizures, and liver damage.
• Warning signs that you may have preeclampsia include severe headaches, blurry visions, pain in your upper abdomen, confusion, shortness of breath, and chest pain.
• Treating preeclampsia depends on when in your pregnancy you get it. If you're close to term, then treatment is to deliver the baby. However, if you're not near to term or you develop preeclampsia postpartum, treatment will involve medication and possibly a trip to the hospital.
• This article was reviewed by Jane van Dis, MD, a board-certified OB-GYN and medical director of the Maven Clinic.
• Visit Insider's homepage for more stories.

When you're pregnant, it can feel like there's so much to learn: Why you should steer clear of certain foods, what happens during labor, how to prep for when the baby actually arrives. 

While you might not want to add something else to the list, there's one serious condition that's smart to have on your radar: Preeclampsia, formerly called toxemia. 

Developing preeclampsia while pregnant can be dangerous for your baby and you. For babies, it can lead to growth restriction, preterm delivery, or even stillbirth, says Sandy Dorcelus, MD, an OB-GYN at NYU Winthrop Hospital. 

For you, preeclampsia puts you at risk of developing potentially life-threatening conditions such as: 

• Thrombocytopenia, or low blood platelets. Platelets are essential for helping your blood clot when you're injured. So with too few platelets, you're at a higher risk of excessive bleeding both externally and internally.
• Eclampsia, which are seizures related to having preeclampsia and are not from a previous neurological condition. 
• HELLP syndrome, which Dorcelus describes as "laboratory abnormalities where you are breaking down red blood cells, [your kidneys are injured], and your liver function starts to deteriorate." 

What is preeclampsia

Preeclampsia has been known for centuries—we're talking as far back as ancient Greece. Today, it's estimated to affect close to 5 percent of pregnancies worldwide. It's a type of hypertensive disorder that occurs in the third trimester of pregnancy.  

It will usually happen "after 20 weeks of gestation in a woman with previously normal blood pressure," says Dorcelus. 

Normal blood pressure for a pregnant person is about the same, or lower, as before pregnancy. So about 120/80 mm Hg or less. If you have preeclampsia, "the target number for diagnosis is blood pressure greater than 140/90," Dorcelus says.

In order to determine if you have preeclampsia, doctors will measure your blood pressure at least twice over a span of at least 4 hours to make sure your elevation in blood pressure isn't just temporary.  After that, once you've been diagnosed with preeclampsia, doctors will act fast.

"Preeclampsia can worsen quickly, within hours, and severe cases can include persistent headaches, blurred vision, and epigastric pain—a sign that the liver may be affected," says Dorcelus. That means it's vital to let your doctor know immediately if you're experiencing any of the signs and symptoms of the condition. 

Signs and symptoms of preeclampsia

Warning signs of preeclampsia during pregnancy include:

• Persistent or severe headache 
• Visual abnormalities, like blurry vision or spotty vision
• Pain in your upper abdomen 
• Altered mental state, such as confusion or lethargy 
• Shortness of breath
• Chest pain

"A pregnant woman with high blood pressure already has vascular issues and the placenta is already compromised, putting that woman at an increased risk for developing preeclampsia," says Dorcelus.  

Preeclampsia can also occur after you've given birth — usually within the first 12 weeks. Warning signs of preeclampsia after birth are similar to those during pregnancy, including persistent headaches, blurry vision, and high blood pressure. 

Who's at risk of preeclampsia

Over the last 20 years, the rate of preeclampsia in the US has jumped 25 percent, according to the American College of Obstetrics and Gynecology (ACOG). 

One possible explanation for why is because certain risk factors have become more prevalent, like maternal age, obesity, and vascular diseases, according to a 2016 review published in the Clinical Journal of the American Society of Nephrology. 

More specifically, Dorcelus says risk factors include: 

• Being over the age of 35 
• A high pre-pregnancy BMI 
• Gestational diabetes 
• Lupus 
• Being pregnant with multiples 
• It being your first pregnancy 
• Chronic high blood pressure 
• Having already had preeclampsia in the past

How to treat preeclampsia 

"Treatment of the condition is delivery," says Dorcelus. 

However, if you aren't close to your due date and don't have severe symptoms, management might include blood pressure medications, weekly fetal testing and close monitoring to make sure things aren't getting worse, she says.

If you develop preeclampsia after giving birth, postpartum treatment is magnesium and hospitalization. 

How to prevent preeclampsia

For women who are at a high-risk of developing preeclampsia—for instance, if you've had it before or have chronic hypertension — your doctor might suggest a daily baby aspirin starting before the 16-week mark, says Dorcelus. 

If you have any risk factors, it's important to talk with your doctor.

Related stories about pregnancy:

• Your baby bump will pop out between weeks 12 to 16. Here's how to tell if you'll show early or late.
• How much weight you should gain during pregnancy, according to doctors
• Foods to avoid during pregnancy and how to still stay healthy
• How long it takes to recover from a C-section before you can drive a car, take a bath, and have sex
• Yes, Tylenol is safe for pregnancy. Here's the right dosage
• Doctors debunk the 25 biggest pregnancy myths

Join the conversation about this story »

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• A handful of prominent American newspaper editorial boards have formally announced their support for impeaching and removing President Donald Trump. 
• In recent weeks, the editorial boards of the Los Angeles Times, the Boston Globe, and The New York Daily News have all called for Trump to be impeached. 
• National newspaper editorial boards, which are generally independent from the newsroom, overwhelmingly endorsed Hillary Clinton over Trump during the 2016 election. 
• Visit Business Insider's homepage for more stories.

A handful of prominent American newspaper editorial boards have formally announced their support for impeaching and removing President Donald Trump. 

"We've seen enough. Trump should be impeached," The Los Angeles Times declared this week.

Many other newspapers have endorsed the impeachment inquiry, but stopped short of calling for the president to be impeached and removed from office. 

Here are the papers calling for impeachment: 

SEE ALSO: Michelle Obama tells Jenna Bush Hager that Trump's impeachment is 'surreal' but says the country will 'come back from it'

The Los Angeles Times: "The evidence produced over the last two months is more than sufficient to persuade us that [Trump] should be impeached ... Trump flagrantly abused the power of his office."

Source: The LA Times

The Boston Globe: "The question before the country now is whether President Trump's misconduct is severe enough that Congress should exercise that impeachment power, less than a year before the 2020 election. The results of the House Intelligence Committee inquiry, released to the public on Tuesday, make clear that the answer is an urgent yes."

Source: The Boston Globe

The New York Daily News: "The House Intelligence Committee presents a coherent and compelling case for impeachment ... There may be no single, smoking gun, but there's ample acrid black stuff rising from the White House."

Source: The New York Daily News

The Chicago Sun-Times: "The president compromised our nation's best interests for pure political self-profit, as baldly as a Chicago alderman holding up a zoning change for a bribe. Trump has brought impeachment upon himself."

Source: The Chicago Sun-Times

• Unless you're loyal to a specific brand, airline and hotel credit cards may not be worth the annual fee.
• The Capital One® Venture® Rewards Credit Card is a good alternative because it earns 2x miles on all your purchases, and you have lots of options for redeeming your rewards.
• You can use Capital One miles to cancel out travel purchases from your statement credit, and you also have the option to transfer miles to more than a dozen airlines, so you're not locked in to one program.
• See Business Insider's list of the best rewards credit cards for every type of user »

Airline credit cards, along with hotel credit cards, are great if you're saving up rewards for a specific travel redemption, or if you're loyal to a specific brand. Many of these cards offer great travel benefits that can improve your travel experience, such as a free checked bag and priority boarding with a specific airline, or complimentary elite status with a hotel loyalty program. 

If you're not loyal to a specific hotel or airline brand, though, you may not get enough value out of airline or hotel cards to justify their annual fees. A better choice could be the Capital One Venture card, which offers you lots of different options for using your rewards. Here are five reasons to consider it over a co-branded card from the likes of Delta or Hyatt.

Keep in mind that we're focusing on the rewards and perks that make these credit cards great options, not things like interest rates and late fees, which will far outweigh the value of any points or miles. It's important to practice financial discipline when using credit cards by paying your balances in full each month, making payments on time, and only spending what you can afford to pay back.

Redeeming points doesn't always make sense

Redeeming airline miles or hotel points doesn't always make sense, especially when travel is cheap. If you're getting less than 2 cents per point in value out of your award redemptions, you're better off with the Capital One Venture card. Why 2 cents? Because the Venture Card earns 2 miles per dollar spent, which is equivalent to 2 cents toward travel. 

For example, if there's a great airfare sale that drops round-trip flight to Asia to $350, redeeming 35,000 Venture miles is preferable to redeeming 65,000 American miles. That's especially true if you earn most of your miles via credit card spending. Charging $65,000 on a Citi®/ AAdvantage® Platinum Select ® World Elite™ Mastercard® would get you 65,000 AAdvantage miles. Charging the same amount to the Capital One Venture card would get you $1,300 worth of travel rewards. 

You don't need the "works"

Some travel rewards cards are loaded with perks, with high annual fees — as high as $595— to match. Benefits on premium credit cards include elite-qualifying credits, airport lounge memberships, and annual statement credits. All of these can come in handy and help enhance your travel experience. 

However, if you don't make use of these perks, you could be wasting money on high annual fees. If that's the case, you're better off with the Venture Rewards card. The card has a $95 annual fee, which is waived the first year. It's a much more economical alternative for those who don't make use of premium travel benefits but want to earn a flexible rewards currency at rate of over 1 mile per dollar spent.

Flexible redemptions

Speaking of redemptions, the Capital One Venture card allows you to redeem rewards for any travel purchase. Simply charge your flights and hotels to the card and use miles to cover the cost via the Purchase Eraser tool. It doesn't get easier than that.

With airlines eliminating award charts in favor of dynamic pricing and hotel loyalty programs implementing peak and off-peak award charts, redeeming traditional rewards is becoming more difficult. Award space and redemption rates are becoming less predictable. That's why a card that earns the equivalent of 2% cash back, like the Capital One Venture, can make earning and redeeming miles easier. 

Venture miles aren't just good toward travel statement credits; you can also transfer them to 15 airline transfer partners. Granted, the transfer ratio is just 2:1.5 for most partners and 2:1 for Emirates and JetBlue. However, this provides yet another transfer option in case you ever need to top off your frequent flyer balances. 

Global Entry or TSA PreCheck credit

Plenty of cards offer up to a $100 statement credit to cover the cost of Global Entry or TSA PreCheck. Many of these cards have annual fees of $450 or more. That's another feature that makes the Capital One Venture card unique. Its annual fee is just $95 and cardholders qualify for an application fee credit every four years. 

Valuable protections 

With some credit card issuers gradually stripping away valuable purchase and travel protections, the Capital One Venture card has an advantage. Capital One Venture cardholders receive travel accident insurance, auto rental collision damage waiver, roadside assistance, and extended warranty. 

The auto rental collision damage waiver can be very valuable when used abroad, since it provides primary coverage. Simply decline the additional coverage offered by the rental car company to take advantage of your card's benefit. You'll save money and have peace of mind in case of a collision.

Stateside, auto collision coverage is secondary. That means if you're involved in an accident, your card's insurance doesn't kick in unless your primary insurance company rejects your claim. Either way, this benefit can be incredible valuable, especially for a card that doesn't carry a hefty annual fee.

Bottom line

Airline credit cards have lots of great features, but they aren't for everyone. If you want flexible rewards, valuable travel protections and a few perks at a lower annual cost, the Capital One Venture card might be a better fit for you. 

The card currently offers a pretty competitive welcome bonus of 50,000 miles after you spend $3,000 within the first three months. This can be used toward $500 in travel credits or transferred to one of Capital One's airline partners at a slightly less favorable ratio.

Regardless of your travel preferences, there are times when redeeming airline miles or hotel points doesn't make sense. During those times, the Capital One Venture card can come to the rescue.

Click here to learn more about the Capital One Venture card »

• More credit card coverage
• What's the best airline credit card?
• The best cash-back credit cards
• Southwest credit card review
• Best rewards credit cards

Join the conversation about this story »

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• This is a preview of The Monetization of Open Banking research report from Business Insider Intelligence.
• 14-Day Risk Free Trial: Get full access to this and all Fintech industry research reports.

Open banking has arrived, and it's transforming the UK's banking landscape — next up could be the world. Regulatory efforts in the UK are transforming retail banking, reshaping incumbents' relationships with customers, and easing entry for fintechs.

Regulators across every continent are responding with actions of their own. Underpinning open banking initiatives is the idea that ownership of transactional data belongs to consumers instead of incumbent financial institutions.

The implications of this change for established lenders in the UK are significant. For those that act, open banking presents substantial revenue-generating opportunities.

But the consequences of inaction are even more severe: Business Insider Intelligence estimates that by 2024, £6.5 billion ($8.4 billion) of UK incumbents' revenues will be under threat of being scooped up by forward-thinking companies like fintechs and neobanks. Yet even through the financial incentives to act are clear, many incumbents are struggling to determine the best path to monetization. In fact, some aren't even sure what their options are.

In The Monetization of Open Banking report, Business Insider Intelligence identifies monetization strategies incumbents have at their disposal, describes how they can determine the best approach for their specific needs, and outlines actionable steps they need to make their chosen open banking initiative successful.  

The companies mentioned in this report are: Allied Irish Bank (AIB), Bank of Ireland, Barclays, Danske Bank, HSBC, Lloyds Banking Group, Nationwide, RBS Group, and Santander, Monzo, Starling, ING, Yolt, Fidor, BBVA

Here are some of the key takeaways from the report:

• Driven by regulatory action, open banking is transforming the UK's banking landscape, but it's also gaining momentum globally.
• For incumbents, open banking entails a significant threat to their entrenched position.
• But for forward-looking banks, there are substantial opportunities for revenue generation, both directly and indirectly.
• To seize these opportunities — and avoid losing revenue to fintechs and neobanks — it's critical that legacy players focus their efforts in the right direction, including identifying their strategic priorities.

 In full, the report:

• Details the UK's Open Banking regulation in depth.
• Forecasts the size of the UK's Open Banking-enabled banking industry over the next five years.
• Discusses the types of monetization opportunities available for incumbents, as well as non-direct revenue-generation opportunities.  
• Provides actionable steps on how banks can best determine the best strategic approach from the options available.

Interested in getting the full report? Here are two ways to access it:

1. Purchase & download the full report from our research store. >> Purchase & Download Now
2. Subscribe to a Premium pass to Business Insider Intelligence and gain immediate access to this report and more than 250 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. >>Learn More Now

The choice is yours. But however you decide to acquire this report, you've given yourself a powerful advantage in your understanding of the fast-moving world of fintech.

Join the conversation about this story »

• Bravo Sierra is a military-inspired grooming brand that makes simple, effective, utilitarian products for everyone. 
• Products include hair and body wash, shave gel, deodorant, lip balm, and more, and everything has been field-tested by active service members in the military.
• Bravo Sierra donates 5% of its net profits to the Morale, Welfare, and Recreation programs in each branch of the military. The programs help active members, veterans, and their families to decompress from the stress and pressure of service in healthy ways.
• I tested most of Bravo Sierra's product line and personally enjoyed everything from the scent to the formulas. As someone with a lot of different grooming products, I came away with a new appreciation for minimalist products that simply get the job done.

When a grooming company tells you that you need three different soaps for hair on your head, your body, and your beard, you better believe you're basically the same thing three times. 

Unfortunately, such is the case for many grooming brands on the market, but Bravo Sierra, a military-inspired, unisex grooming brand, is bringing much-needed simplicity to the industry. 

Founded in 2018 in New York City, Bravo Sierra draws inspiration from military culture to create utilitarian-style grooming and wellness products, including hair and body wash, shave gel, deodorant, body wipes, lip balm, moisturizers, and a few more items. Rather than having a huge line of products with a bunch of variations, Bravo Sierra has a single formula for each product, all of which are made to be simple and effective. To keep themselves accountable, everything has been field-tested by members of the U.S. Military. 

In addition to being heavily inspired and approved by the military, Bravo Sierra pays its respects forward to the men and women who serve our country by donating 5% of its net profits to the Morale, Welfare, and Recreation programs in each branch of the military. The programs help support the well-being of active service members, veterans, and their families. 

I figured that if Bravo Sierra products were good enough for active service members, it would be good enough for me in my normal civilian life, so I put a few of their key products to the test. I have a bathroom room filled with grooming products for everything imaginable (it's literally my job to test these and tell you about them), but I came away with a new appreciation for a minimalist approach to products that simply get the job done.

Review of the Hair/Body Wash + Shave Gel, $9.50:

The most notable product that Bravo Sierra offers is the Hair/Body Wash + Shave Gel because it's basically three products in one. It comes packaged in a pressurized can similar to most shaving creams, which was new to me in terms of body washes, but I quickly grew accustomed to it as it helps you avoid using too much or wasting it. The product comes out as gel, but lathers up nicely. You don't need a ton of it to feel like you've cleaned yourself thoroughly. 

It works equally well on hair and body, and while I personally haven't used it to shave (I typically use clippers or trimmers instead of razors), I don't doubt its capability as shaving cream. When lathered, the product has a very smooth and creamy consistency that would make shaving comfortable and easy. It doesn't have a watery consistency like most other body washes or shampoos.

With notes of white vetiver and cedar wood, it has a woodsy scent that actually stays on you long after you step out of the shower. It's a scent that I think most people, regardless of their gender, would find pleasant to wear.

Review of the Deodorant, $9.50:

During my time at Insider Picks, I've tested hoards of different deodorants that I typically wouldn't buy for myself, and I'm almost always underwhelmed with them. However, Bravo Sierra's Deodorant quickly made its way to the top of my list of favorites — and the smell is one of the key reasons. 

It has the same woody scent as the Hair/Body Wash + Shave Gel and it lasts surprisingly long. I usually like to wear cologne, but after showering with the Hair/Body Wash + Shave Gel and using the deodorant, I felt like I didn't need to. I could literally smell the scent on me throughout the day. 

The formula doesn't contain parabens, aluminum, or sulfates. It also has sweat absorptive powder extracted from the root of Brazil's native cassava plan — and it actually works.

Review of the Antibacterial Body Wipes, $10.50 for a 10-Pack:

In my past experience, body wipes have been more of an annoyance to use than they've been useful. They're usually marketed as a way to stay fresh during the day or after the gym, but they almost always turn out to be like baby wipes. If you're a full-sized person — and not a baby that needs to be cleaned up during a diaper change or after a small spill — you're going to need a bunch of them to be effective.

I typically go to the gym at night and then straight home to shower, so body wipes aren't super useful in my day-to-day life, but I used Bravo Sierra's for the sake of testing them and I was completely surprised. Unlike the tiny, flimsy ones I've tried in the past, Bravo Sierra Antibacterial Body Wipes are big and durable enough to thoroughly freshen you up without using more than one. 

They have the same fresh scent as the body wash and deodorant, and they actually get the job done. If you're the type to hit the gym before work or on your lunch break — or you find yourself in some other situation where you can't get to a shower (like after a sweaty commute or a hiking trip) — you can rely on these wipes to get you through the day. 

The bottom line:

Overall, Bravo Sierra is a refreshing addition to the grooming industry because the products are simple and work as intended. The brand doesn't rely on catchy (or kitschy) names or packaging to appeal to customers, and the prices are fair. If you value staying fresh and clean, but don't want to deal with dozens of products for every single part of your body, then Bravo Sierra is worth checking out. 

Shop all Bravo Sierra grooming products. 

Join the conversation about this story »

• Clarisonic is synonymous with cleansing brushes, but its $40 foundation brush head converts the tool into something much more versatile. 
• I like that I can apply and blend my makeup without getting my hands dirty; it's also a lot faster and gives me a more even finish. 
• Here's how makeup artist Patrick Ta uses his Clarisonic for seamless makeup application.

Most Clarisonic users, including yours truly, probably use their cleansing brush for just that — cleansing. In fact, we named the Mia Smart 3-in-1 as the top pick in our buying guide to the best cleansing brushes because it's gentle yet effective, providing a deep cleanse even when we're half-awake. 

See more:The best face brushes

But in 2018, the brand launched a handful of interchangeable brush heads that exfoliate, massage and firm skin, and even blend foundation. It's also the latter foundation brush head that hooked makeup artist Patrick Ta as the brand's first-ever consulting makeup artist, though their backgrounds couldn't be more different.

Before Ta became synonymous with super-natural, dewy makeup that make his celebrity clients look as if they've drank 18 gallons of water and gotten two days of sleep, he was working at a M.A.C. beauty counter in Arizona to pay the bills after filing his tanning salon for bankruptcy.

He moved to LA as a freelance makeup artist for $75 a pop in 2011 when he was 21, and three months in, got an Instagram DM from actress Shay Mitchell asking him to do her makeup. Then he met model Gigi Hadid at a party, then model Joan Smalls slid into his DMs, and well, you can see where this is going.

Eight years later, Ta has an eponymous beauty line, a multi-year ambassadorship with La Mer, and a makeup consulting gig with Clarisonic. While it might seem odd to team up with a brand we all associate with cleansing brushes, Ta tells Insider Picks that smooth, clean skin is always going to be the base for great makeup.

"The Mia Smart exfoliates with the Sonic Exfoliator Brush Head ($39) for a flawless base, so I love to use that before makeup application," he says. "It also works with the Sonic Awakening Eye Massager ($59) to reduce undereye puffiness and wrinkles with a cooling massage. The Firming Massage Head ($59) is amazing, as it tackles signs of aging like fine lines and sagging skin, so I love to use that to help with contouring the face before going in with makeup."

For a makeup artist who's spent as much as three hours to create a red carpet beauty look for the likes of Eva Longoria, Olivia Munn, Constance Wu, and more, it's hard to believe that 60 seconds and a Clarisonic brush can give you anything close to Ta's signature look of clean flawless skin.

But Ta makes it look surprisingly easy. In this IG TV video, Ta uses the brush to apply and blend foundation, concealer, blush, contouring cream, and even highlighter super quickly for a super-glowy and dewy look. 

"I love that you're able to use the Mia Smart with an applicator for makeup, it blends the products seamlessly in only 60 seconds," he tells Insider Picks. "What I like to do is apply foundation in the center of the face and turn the tool on and begin to use circular motions blending outward. And you're even able to apply other cream products with it as well, like concealer, blush, contour, and highlighter."

As someone who uses their hands to apply makeup but hates washing them when switching between products, being able to use the Clarisonic as a makeup tool is one of those things I wish was invented years ago. It does take getting used to though; I was initially concerned that my foundation would splatter like cake mix in a stand mixer, but my worries were unwarranted and my foundation looked seamless. The bristles are densely packed and the circumference of the brush head made it just the right size to apply targeted products like highlighter and contour cream. 

Best of all, it's not a second tool cluttering your bathroom counter; the brush heads are a fraction of the side of the Clarisonic itself. The foundation brush head currently goes for $40, so it is an additional cost, but one that I'm willing to pay for if it means an easier time doing my makeup and making my Clarisonic much more versatile. Once I'm done with my makeup in the morning, I can easily switch the brush out to deep-clean at night — which is the original purpose of the Clarisonic anyway.

Buy the Clarisonic Sonic Foundation Brush Head at Ulta, $39

Buy the Clarisonic Mia Smart 3-in-1 Connected Beauty Device, at Ulta, $169 

Join the conversation about this story »

NOW WATCH: Behind the scenes with Shepard Smith — the Fox News star who just announced his resignation from the network

• Amid widespread bullishness around the stock market's prospects in 2020, Goldman Sachs' options strategists are flagging the possibility that certain individual stocks will vastly outperform expectations. 
• They highlighted S&P 500 stocks where options-implied moves are lower than the upside suggested by fundamentals.
• They recommend buying call options on these names to profit from potential gains in the months ahead.  
• Click here for more BI Prime stories. 

The majority of top Wall Street firms have a bullish house view on stocks in 2020. 

Despite the widespread optimism on the market as a whole, Goldman Sachs' options strategists are flagging the risk that investors may still leave money on the table in individual stocks. 

Options traders are pricing in an implied upward or downward move of about 20% for the average S&P 500 stock, strategists led by John Marshall said in a client note. The bullish views are mostly expressed in contracts for energy and industrial stocks, while the consumer discretionary and utilities sectors are seen to have the most downside.

To investigate where the market is not bullish enough, Marshall and his team dug into the S&P 500 stocks that Goldman Sachs analysts rate as buys. They calculated the difference between options-implied moves over the next 12 months and their analysts' 12-month price targets.

They then filtered 20 stocks where the options market is pricing moves that are lower than Goldman's views. 

"We recommend buying calls on these stocks to position for upside over the next year," Marshall said. 

The list of stocks is presented below, ranked in increasing order of difference between Goldman's expected upside and the current options-implied move.

SEE ALSO: Goldman Sachs just updated its definitive checklist for predicting stock market crashes — and its conclusion points to years of lower returns for investors

20. PayPal

Ticker:PYPL

NTM options implied move: 23% 

Upside to GS 12-month price target: 27%

Difference: 4%

Source: Goldman Sachs 

19. Netflix

Ticker:NFLX

NTM options implied move: 29% 

Upside to GS 12-month price target: 34%

Difference: 4%

Source: Goldman Sachs 

18. Amazon

Ticker:AMZN

NTM options implied move: 21% 

Upside to GS 12-month price target: 26%

Difference: 5%

Source: Goldman Sachs 

17. General Dynamics

Ticker:GD

NTM options implied move: 17% 

Upside to GS 12-month price target: 23%

Difference: 6%

Source: Goldman Sachs 

16. McDonald's

Ticker:MCD

NTM options implied move: 14% 

Upside to GS 12-month price target: 21%

Difference: 6%

Source: Goldman Sachs 

15. Diamondback

Ticker:FANG

NTM options implied move: 31% 

Upside to GS 12-month price target: 37%

Difference: 7%

Source: Goldman Sachs 

14. Fox Corp.

Ticker:FOX

NTM options implied move: 23% 

Upside to GS 12-month price target: 30%

Difference: 7%

Source: Goldman Sachs 

13. Johnson & Johnson

Ticker:JNJ

NTM options implied move: 15% 

Upside to GS 12-month price target: 23%

Difference: 8%

Source: Goldman Sachs 

12. Exelon

Ticker:EXC

NTM options implied move: 16% 

Upside to GS 12-month price target: 24%

Difference: 8%

Source: Goldman Sachs 

11. CF Industries

Ticker:CF

NTM options implied move: 26% 

Upside to GS 12-month price target: 35%

Difference: 9%

Source: Goldman Sachs 

10. National Oilwell

Ticker:NOV

NTM options implied move: 31% 

Upside to GS 12-month price target: 41%

Difference: 9%

Source: Goldman Sachs 

9. IQVIA Holdings

Ticker:IQV

NTM options implied move: 21% 

Upside to GS 12-month price target: 31%

Difference: 10%

Source: Goldman Sachs 

8. LyondellBasell

Ticker:LYB

NTM options implied move: 24% 

Upside to GS 12-month price target: 34%

Difference: 10%

Source: Goldman Sachs 

7. Regeneron

Ticker:REGN

NTM options implied move: 27% 

Upside to GS 12-month price target: 37%

Difference: 10%

Source: Goldman Sachs 

6. L3Harris

Ticker:LHX

NTM options implied move: 22% 

Upside to GS 12-month price target: 33%

Difference: 11%

Source: Goldman Sachs 

5. American Airlines

Ticker:AAL

NTM options implied move: 30% 

Upside to GS 12-month price target: 41%

Difference: 12%

Source: Goldman Sachs 

4. NRG Energy

Ticker:NRG

NTM options implied move: 21% 

Upside to GS 12-month price target: 35%

Difference: 14%

Source: Goldman Sachs 

3. United Airlines

Ticker:UAL

NTM options implied move: 24% 

Upside to GS 12-month price target: 40%

Difference: 17%

Source: Goldman Sachs 

2. Baker Hughes

Ticker:BKR

NTM options implied move: 26% 

Upside to GS 12-month price target: 52%

Difference: 26%

Source: Goldman Sachs 

1. TechnipFMC

Ticker:FTI

Next-12-month options implied move: 28% 

Upside to Goldman Sachs' 12-month price target: 71%

Difference: 43%

Source: Goldman Sachs 

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• Tesla's Cybertruck may have a hard time converting Ford F-150 and Chevrolet Silverado owners, but it might open up a new segment of the pickup-truck market, according to a survey from the automotive research site Autolist.
• The roughly 1,100 respondents were asked, assuming they had to buy one and their specs were similar, whether they would prefer General Motors' upcoming electric pickup truck, the electric version of Ford's F-150, the Rivian R1T, or Tesla's Cybertruck.
• The Cybertruck received the fewest votes overall, and performed even worse among current or former pickup truck owners.
• But among those who have never owned a pickup truck, the Cybertruck was the favorite.
• Sign up for Business Insider's transportation newsletter, Shifting Gears, to get more stories like this in your inbox.
• Visit Business Insider's homepage for more stories.

Tesla's Cybertruck may have a hard time converting Ford F-150 and Chevrolet Silverado owners, but it might open up a new segment of the pickup truck market, according to a survey from the automotive research site Autolist.

The roughly 1,100 respondents were asked, assuming they had to buy one and their specs were similar, whether they would prefer General Motors' upcoming electric pickup truck, the electric version of Ford's F-150, the Rivian R1T, or Tesla's Cybertruck. They voted as follows:

• GM electric pickup truck: 29%
• Electric Ford F-150: 27%
• Rivian R1T: 24%
• Tesla Cybertruck: 20%

Respondents who have owned a pickup truck expressed an even stronger preference for GM and Ford, with 63% of them saying they would prefer one of the company's electric pickups. Just 14% of current or former pickup-truck owners chose the Cybertruck, while 23% chose the Rivian R1T.

But among those who have never owned a pickup truck, the Cybertruck was the favorite, getting 25.8% of the vote, just above the Rivian R1T, which received 24.8%.

The survey suggests that Tesla may have more difficulty attracting current pickup truck owners (who tend to be particularly loyal to a single brand) than it has had persuading BMW, Mercedes-Benz, and Toyota owners to purchase its Model 3 sedan. Yet the Cybertruck's popularity among survey respondents who have never bought a pickup truck indicates that Tesla may be able to bring new customers into the pickup market. 

The survey's assumption that the specs on each pickup truck will be similar is also significant, as the Cybertruck's listed specs top those of the R1T and 2020 F-150 in areas like maximum payload and towing capacity. Ford and GM have yet to disclose many details about their upcoming electric pickup trucks.

To be sure, the Cybertruck's styling is polarizing but that hasn't stopped the excitement among potential customers. Since its November unveiling, the Cybertruck has attracted at least 250,000 refundable $100 preorders.

Read Autolist's full survey here.

Are you a current or former Tesla employee? Do you have an opinion about what it's like to work there? Contact this reporter at mmatousek@businessinsider.com. You can ask for more secure methods of communication, like Signal or ProtonMail, by email or Twitter direct message.

• Read more:
• Elon Musk drove the controversial Tesla Cybertruck near Los Angeles 2 years before its planned release
• Tesla changed the release dates for the most and least expensive versions of the Cybertruck by a year
• The Tesla Cybertruck is the first stainless-steel vehicle since the ill-fated DeLorean — here's a closer look at both
• Why the Cybertruck is a breakthrough for Tesla and designer Franz von Holzhausen

SEE ALSO: Note to Tesla and Elon Musk: Nobody cares if your Cybertruck can beat a Ford F-150 in a towing contest

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• The US Federal Communications Commission, or FCC, just officially proposed a new 3-digit, toll-free "988" code for the National Suicide Prevention Hotline.
• The hotline's current number is 1-800-273-8255.
• In 2018, the lifeline answered over 2.2 million calls. The FCC reported to Congress in the fall that a "3-digit dialing code would improve access to this critical service for Americans in crisis."
• Suicide rates are on the rise across almost every demographic in the U.S.
• Visit Insider's homepage for more.

There's 911 for emergencies like fires and heart attacks, and soon, there could also be a 988 number for suicide prevention and help with mental health.

During an open meeting on Thursday, the Federal Communications Commission formally proposed making "9-8-8" the code to call if you're thinking about suicide, or even if you just need some emotional support.

The proposed rule comes as suicide deaths are on the rise among almost every single demographic in the U.S., including young pre-teens and college students, nurses, stay-at-home-parents, men working in construction, and middle-aged, working-class adults. 

"If your house is on fire, you don't have to look up the fire department's number, you just dial 911." Congressman Seth Moulton (D-MA) tweeted Thursday in support of the proposal. "It should be just as easy for mental health emergencies."

FCC Commissioner Michael O'Rielly spoke openly about his brother-in-law's recent suicide at the meeting, saying he died two and a half months ago. 

"I like the idea of a short code," O'Rielly said. "I hope it really does save lives." 

The National Suicide Prevention Lifeline, funded by the federal government, answered over 2.2 million calls last year. One 2018 study of the lifeline suggested that the calls, and follow-up calls hotline workers make to callers, stop people from killing themselves, and also help keep them safe. 

"People call to talk about lots of things: substance abuse, economic worries, relationships, sexual identity, getting over abuse, depression, mental and physical illness, and loneliness, to name a few," the National Suicide Prevention Lifeline's website says. "Talking with someone about your thoughts and feelings can save your life."

Celebrities including gold-medal Olympic swimmer Michael Phelps have also spoken more openly about their struggles with suicidal thoughts and mental health in recent years, hoping to erase some of the stigma that surrounds the topic of suicide. 

"I didn't want to be alive anymore,"Phelps recently told Business Insider, speaking about a time before the 2016 Olympics, when he was struggling with depression. "The reason why I'm here talking today, is being able to allow myself to be vulnerable."

The FCC will now move into a public comment period on the proposal, before any rule about the 3-digit hotline becomes final. 

• Read more:
• Michael Phelps teaches his 2-year-old son a special 'lion's breath' technique — part of the mental-health routine that Phelps says saved his life
• Men working in construction, stay-at-home moms, and students are committing suicide in alarmingly high numbers, and it's part of a disturbing trend
• Suicide is skyrocketing in young people, and their screens and smartphones have nothing to do with it
• Voters in places with higher death rates were more likely to swing Republican in 2016, a new study found — here's why

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• "Nested ticketing" or "nesting itineraries," sometimes also called "back-to-back flights," could help you save a ton on flights, but may be a little risky.
• It works best if you need to book two trips to and from the same destinations (say, going home to visit your family for Thanksgiving and then again for Christmas).
• Nested trips have one round-trip flight straddle the other. The first flight makes it look like you're staying at your destination for an extended time. The other flight "nests" within that timeframe and takes you home and then back to your destination.
• Nested trips are a great way to save money when you're going to the same destination more than once (this doesn't work for places you only plan on visiting one time).
• Airlines don't like this because it circumvents their minimum stay requirements, but it's also hard to track.
• Visit Insider's homepage for more stories.

Most people have heard of "hidden city ticketing"— the frowned-upon method of booking a cheaper multi-city trip with a layover at your destination, rather than an expensive direct flight, and then forgoing the second connection.

But "nested ticketing" could save you as much cash, and potentially without as many risks.

Sometimes confusingly referred to as "back-to-back flights" (they're not), nested trips are a great way to save money when you're going to the same destination more than once. It's worth noting that this doesn't work for places you only plan on visiting one time.

There are a few ways you could take a 'nested' trip, but in its simplest form, it's a round trip within a round trip. One is nested within the other. 

Here's how it breaks down.

While a usual round-trip itinerary includes flights from point A to B, then B to A, with nested ticketing, you would mix and match two round-trip itineraries, like this:

• To start, you'd take the first leg of round-trip itinerary one, from A to B.
• Then, you'd take the first leg of round-trip itinerary two, from B to A.

Next time you go to that same destination, you'd take the remaining flights in each itinerary:

• First, you'd take the second leg of round-trip itinerary two, from A to B.
• Then, you'd take the second leg of round-trip itinerary one, from B to A.

As you can see above, round-trip itinerary one (in bold and italics) straddles round-trip itinerary two (in bold only).

Say you live in New York City, but need to go to Denver for both Thanksgiving and Christmas. What you would do is book one round-trip itinerary from New York to Denver on, say, November 27 to December 30, and another one from Denver to New York on December 1 and December 23.

But, instead of taking the round trips as they are booked, you would alternate the two. This way, you are in Denver from November 27 to December 1 for Thanksgiving, and again from December 23 to December 30 for Christmas.

Nested trips can save money because they circumvent a minimum stay requirement many airlines have, in which they offer travelers a cheaper fare if they stay at their destination for at least seven days, including a Saturday overnight

These requirements exist so that airlines can separate business travelers — whom they know are willing to pay more for a ticket because they're not paying for it themselves — from leisure travelers. This works because business travelers generally travel during the week, aiming to be home on Saturdays. So, believe it or not, weekend flights are actually the airlines' version of a better deal.

That said, Scott Keyes, cofounder and Chief Flight Expert at Scott's Cheap Flights, says that these minimum stay requirements are "a little bit out of fashion" these days, especially on domestic US flights as airlines like Spirit, Frontier, and Southwest don't really cater to business travelers. Airlines like United and Delta were forced to follow suit after losing much of their leisure traveler business.

However, he emphasizes that "they're not completely extinct," just much less prevalent for domestic flights than they used to be, and that this isn't true for international flights. 

"Minimum stay requirements are still very prevalent on long-haul international flights, and why this type of nesting ticket is much more likely to be successful on a couple of international flights than it would be on domestic ones," Keyes told Insider. "It certainly could work if you're trying to fly home domestically over Thanksgiving and Christmas, but I think the odds of success are lower today than they would have been three or four years ago."

Attempting to get around minimum stay requirements can still be found in many contracts of carriage, but whether you can actually get caught is another matter

United, for example, states: "The use of Flight Coupons from two or more different tickets issued at round trip fares for the purpose of circumventing applicable tariff rules (such as advance purchase/minimum stay requirements) commonly referred to as 'Back-to-Back Ticketing' is prohibited by UA."

Delta explicitly lists back-to-back ticketing under "prohibited practices."

However, since you are taking all flight legs as planned, the chances of getting caught are slim. And even if you do, according to Keyes, recourse could be anything from "a stern talking to" to docking your frequent flyer miles, getting rid of your frequent flyer account, or even getting banned from the airline.

However, according to Keyes, you're unlikely to be punished for nested ticketing if you're doing it sparingly.

"I think the likelihood of a penalty that extreme is very low, especially as somebody who's just doing it infrequently. It's not illegal, and I would argue that it's not unethical," he said.

Gilbert Ott, of the points-saving blog God Save the Points, agrees.

"I think it's the ultimate bulls--- that they can crack down because any excuse is a valid excuse. The only thing they can crack down on is if you said 'I have no intention of taking this flight,' then you're toast,"  he told Insider. "Literally any excuse except 'I just wanted to save money' is fine, they can't prove you had intent to deceive."

Ott, who frequently travels between the US and Europe, nests his itineraries often, but takes it one step further by using the trick to take advantage of cheap deals and flight upgrades for each round-trip itinerary he books.

"I fly back and forth between the US and Europe all the time. For me, I'll get a $1,000 business ticket out of Europe versus a $3,000 business ticket out of the US. So I'll book a premium economy ticket to Europe, and then book the return for months later for a third of the price I would pay if I was just doing a regular round trip," he said. "I then weave the two together, and it's not that bad."

"There's so much to gain, and nobody loses anything," says Ott, who "absolutely" recommends trying it. 

"As long as you're going to the places you actually intended to go to, there's really not much risk here at all," he said. "Nobody loses. Sure, they could be making more money off of you if you booked exactly the way they want you to, but my argument is always that they created this system, we just play in it."

Ultimately, it's probably best to take nested ticketing with a grain of salt.

Is it a risk? Sure, but it seems like it would be hard for airlines to catch you. However, if you want to be extra safe, try booking your round trips on different airlines.

Representatives for United and Delta did not immediately respond to Insider's requests for comment.

Join the conversation about this story »

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Here are the lenders offering the best car loans of 2020:

• Best auto loan overall: Bank of America
• Best auto loan for excellent credit: LightStream
• Best auto loan for bad credit: Capital One
• Best auto loan for refinancing: Clearlane by Ally Bank
• Best auto loan for lease buyouts: Bank of America

Check out these auto loan offers from our partners:

When it comes to car shopping, finding the right loan can be just as important as finding the right car. 

It's not as easy as simply showing up to the dealership. To get the lowest interest rate, you'll want to shop around for an auto loan to see what kind of financing is available to you. Dealerships often mark up the interest rates on loan offers from lenders, and that can leave you paying more for the same car. 

The good news is that it's completely avoidable if you're willing to shop around for your loan and get pre-approved before you start shopping at the dealership. To shop for the best rate, you'll want to look at several different lenders and see what each will offer you. Once you start getting rate quotes, you'll have two weeks to gather all the quotes you'd like without multiple inquiries hurting your credit score— the credit reporting bureaus count all of those inquiries as one within that period.

Having a pre-approval for a car loan can give you better bargaining power and peace of mind that you'll have the lowest interest rate possible. As you start shopping, keep in mind that your local small bank or credit union could also be a great place to get a loan — these institutions often offer lower car loan interest rates than big banks, but are usually limited to a relatively small geographic area.

Here are a few banks to help you start your search for a variety of situations.

Best auto loan overall: Bank of America

• Interest rates: as low as 2.74% for a new car purchase loan
• Available in all 50 states

Bank of America has excellent rates for auto loans currently, offering the lowest starting interest rates going into 2020. Rates for a new car purchase start as low as 2.74% APR, and a used car could be as low as 3.04% APR. With other similarly large banks large banks like Chase starting their auto loan rates around 4%, Bank of America's rates are beating out the rest. Bank of America also offers rate discounts for current customers, up to .5%.

Best auto loan for excellent credit: LightStream 

• Interest rate range: 3.99% to 8.34%
• Minimum FICO score requirement: 66o
• Available in all 50 states

If you have a good or excellent credit score, you might want to consider LightStream in addition to Bank of America. A part of SunTrust Bank, Lightstream focuses on auto loans to customers with good or better credit, but does offer loans in all 50 states. Because it focuses on a narrow subset of customers, its rates don't go too high — NerdWallet reports that interest rates range from 3.99% to 8.34%. Experian data from Q3 2019 shows the average loan interest rate at 4.19% for borrowers with credit scores above 780 buying new vehicles, and LightStream beats the average.

Best auto loan for bad credit: Capital One

• Interest rate range: 4.53% to 12.55%
• Minimum FICO requirement: 500
• Available in the contiguous 48 states

Capital One offers easy and reputable auto loans for borrowers with credit scores of 500 or higher. The typical buyer in this credit range will see loan offers with 16.78% APRs, according to Experian— a rate which could quickly increase the cost of buying a car. Capital One offers rates lower than this, offering interest rates of 12.55% for used car loans up to 60 months for borrowers with with bad credit, according to research by MagnifyMoney. Capital One offers loans as small as $4,000 for used vehicles, meaning that you won't need to buy more car than you need in order to get financing. 

Best auto loan for refinancing: Clearlane by Ally Bank 

• Interest rates: 3.99% to 10.24%
• Minimum FICO requirement: 600
• Car must have fewer than 100,000 miles and be less than 10 years old 
• Only offers loans for refinance and lease buyouts. 

Online bank Ally doesn't offer financing to purchase a car. But, if you're looking to refinance the car you already have, its auto lending division Clearlane offers some competitive rates. As long as your vehicle meet the standards (less than 100,000 miles, and fewer than 10 years old), this lender could offer a competitive rate as low as 3.99%. Clearlane also offers auto lease buyouts.

Best auto loan for lease buyouts: Bank of America

• Interest rates starting at 3.84%
• Also offers purchase loans in addition to lease buyouts

If you're interested in buying the car you're currently leasing but need a loan to do so, Bank of America offers a loan for that. Bank of America offers a variety of auto loans, and like the others, its interest rates are competitive in 2020. Lease buyouts can have higher interest rates than a new or used car loan, but Bank of America's lease buyout APRs start lower than the rates other lenders offer.

Check out these auto loan offers from our partners:

Frequently Asked Questions

How were these winners determined?

These lenders were chosen based on interest rate (APR) for each of the conditions above, including credit score, whether you're buying new or used, and loans for a specific need like refinancing or lease buyouts. Business Insider gathered data from NerdWallet, MagnifyMoney, and Credit Karma, and from the lenders themselves. This list only considers loans that were available in most of the US, and does not include captive lenders — lenders owned by auto companies. 

The dealership I'm shopping at offers financing. Should I just use that? 

Car dealerships are allowed to mark up interest rates on auto loans that they offer, and generally, they do. The interest rate a salesperson offers often includes a cut for the dealership, resulting in a higher interest rate for you. While you might qualify for an interest rate of 6% from a bank, you might see 6.5% or even 7% from a dealership, for example. 

If you're willing to put some work in, you may be able to save by shopping around on your own. The best way to avoid this issue is to get pre-approved by a few banks or lenders as you start car shopping, and take those pre-approvals to the dealership with you. Then, you'll have a few estimates on what your cost to borrow could be, and can comparison shop for the lowest APR. 

How long is too long for an auto loan term?

The longer the loan, the lower the payment. But, paying for longer than 60 months (five years) on your auto loan could leave you owing more than your car is worth. 

Cars depreciate quickly, and if you're paying for more than five years on an auto loan, your loan could end up in this situation, also called being "upside-down." In Q3 2019, 61.9% of used car buyers and 71.9% of new car buyers took out a loan with a term between 61 and 84 months according to Experian data, and it's turning into a problem. As auto loans increase in length, auto loan delinquencies are on the rise, too.

Getting an auto loan with bad credit? Here's what you need to know.

If you're shopping for a car loan with bad credit, you could benefit a lot by doing your research and shopping around when looking for an auto loan. Avoid any "buy here, pay here" financing, as these loans often come with exorbitant interest rates and high monthly payments. According to data from the National Independent Automobile Dealers Association, "buy here, pay here" dealers saw an average default rate of about 35% in 2019. 

A local credit union might be a good place to start if you have a bad credit score — sometimes lenders like these can be more forgiving and offer lower interest rates than big banks.

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