• You can watch Hulu on your Chromecast device using any screen or monitor with an HDMI input, and stream shows like "Brooklyn Nine-Nine" or "Vikings."
• You can also watch Hulu using Chromecast on an iOS or Android device. 
• You can also cast Hulu to other Google devices with screens, like the Google Nest Hub or the Nest Hub Max.
• Visit Business Insider's homepage for more stories.

Okay, got a TV with a Chromecast connected? Check. Got an iPhone or Android device? Good. Do you have your Hulu app open and ready? 

Alright then, you're about five seconds away from enjoying Hulu content on the big (well, bigger) screen via your Chromecast device.  

Here are the steps to watch Hulu with Chromecast, and blissfully few they are. 

Check out the products mentioned in this article:

Google Chromecast (From $35.00 at Walmart)

iPhone 11 (From $699.99 at Apple)

Samsung Galaxy s10 (From $859.99 at Walmart)

Google Nest Hub (From $129.99 at Best Buy)

Google Nest Hub Plus (From $229.99 at Best Buy)

How to Chromecast Hulu 

1. Turn on your TV or device that's connected to Chromecast.

2. Open the Hulu app on your phone or tablet and connect it to the same Wi-Fi as your Chromecast.

3. Tap the show or movie you want to watch on Hulu.

4. Tap the "Cast" icon in the top-right corner of the screen and select the Chromecast device in question.

And that's it, no complex setup or process required. 

Now, you can enjoy hours of "Grey's Anatomy" or "White Collar" thanks to the quick and easy pairing of app and hardware. 

Related coverage from How To Do Everything: Tech:

• How to use Chromecast and Spotify to turn your TV into a personalized jukebox, with lyrics and album art onscreen

• How to use your Chromecast to stream Amazon Prime Video from your iPhone

• How to reset a Google Chromecast in 2 different ways to fix issues with the device

• How to Chromecast from a Mac computer, for streaming media or sharing your screen on a TV or larger display

• How to use Google Chromecast from your iPad to stream media to a TV or display

SEE ALSO: The best speakers with Google Chromecast built-in you can buy

Join the conversation about this story »

NOW WATCH: We tested a machine that brews beer at the push of a button

• A patient in France who was originally believed to have pneumonia late last year may have actually contracted the coronavirus.
• The patient tested positive for COVID-19, the disease caused by the coronavirus, on December 27, said Dr. Yves Cohen, who treated the patient.
• The results would mean he's France's new "patient zero," and contracted the virus before China informed the WHO about the outbreak.
• Some experts believe the results could be a false positive. Jonathan Ball, professor of molecular virology at the University of Nottingham, says contamination could have come "from the wider lab activities."
• Visit Business Insider's homepage for more stories.

A French patient may have contracted COVID-19, the disease caused by the coronavirus, a full month earlier than France's previously known earliest case.

Amirouche Hammar, 43, tested negative for the flu when he first visited the Avicenne and Jean-Verdier hospital outside of Paris on December 27, to be treated for pneumonia. He was treated by Dr. Yves Cohen, head of the intensive care unit.

In a new study, Cohen and a team of researchers re-tested samples from 24 patients treated in December and January. Hammar's sample tested positive for the coronavirus.

Previously, the first known COVID-19 case in France was reported to be on January 24. China first informed the World Health Organization of a new pneumonia outbreak on December 31.

Cohen told a French TV broadcaster BFM that because Hammar, who had not traveled abroad since August, was tested several times, a false positive was unlikely.

In the medical journal article co-written by Cohen and to be published in the International Journal of Microbial Agents, the authors said: "Based on this result, it appears that the COVID-19 epidemic started [in France] much earlier" than previously believed.

"He could be patient zero, but maybe there were others in other regions," Cohen told BFM TV.

Across the world, health officials have scrambled to locate their respective "patient zero" cases, which become more difficult to find as the disease spreads. Identifying such a patient could provide clues about the emergence and spread of the virus, and potentially inform future preventive measures.

Andrew Brouwer, an assistant research scientist at the University of Michigan, told Business Insider that the information helps epidemiologists "reconstruct the history of the outbreak."

"By the time we detect a severe case, there is already local transmission," Brouwer said.

Experts dispute the accuracy of Hammar's test result

Doctors ran a PCR — or polymerase chain reaction — test on a stored sample from him. Those tests are highly sensitive, Brouwer said, leading him to believe the results are legitimate.

"DNA can be effectively preserved in stored samples, and PCR is highly sensitive, so I have no reason to doubt the result," Brouwer wrote in an email.

But even though Hammar was tested several times, some experts say they may still be false positives.

The sensitivity of PCR could cut the other way, according to Jonathan Ball, professor of molecular virology at the University of Nottingham.

He said it makes it more likely for the test to pick up results from contamination.

"The PCR test is very sensitive, but therein lies a potential weakness — it is possible for contaminating viral genome from the wider lab activities to find its way into the odd tests and give a false-positive result," Ball told Business Insider.

"Whilst it is certainly possible that a case of COVID could be exported from China very early in the outbreak, there is nothing in the data describing the spread of the virus in France or indeed cases of COVID-19 being admitted to French hospitals that would indicate an early introduction into France," he wrote in an email.

Though Cohen's paper says researchers took steps to avoid false negative results, it says they weren't able to entirely rule them out "due to the sensitivity of [PCR] and a technique of storage that possibly damage the quality of the samples."

Christian Lindmeier, a spokesperson for the World Health Organization, said at a UN briefing in Geneva Tuesday that countries checking records for cases from late 2019 would give a "new and clearer picture" of the pandemic's timeline, and that a report of an earlier case in France is "not surprising."

"It's also possible there are more early cases to be found," Lindmeier said.

Join the conversation about this story »

NOW WATCH: Inside London during COVID-19 lockdown

The job of the corporate chief information officer was already challenging enough — managing expanding environments of multiple types of computing networks, with ever burgeoning data that needed to work round the clock and around the world. Life in a global pandemic has made the CIO's job even harder.

COVID-19 has upended the lives and livelihoods of hundreds of millions of people across the globe. And it has forced organizations of all sizes into technical triage to create and support remote workforces. CIOs report needing to retool and plan for a future that supports a more flexible, more digital work experience, and a workforce that is more mobile and far more reliant on the integrity of the underlying information technology infrastructure.

Because ensuring that such work is done securely and reliably is almost assuredly beyond the means of even the most capable human IT teams on their own, CIOs are seeing the need to embrace the capabilities of artificial intelligence. Many of the most innovative CIOs have already been employing some of these capabilities — which IBM refers to as "AI for IT."

But now, IBM is rolling out a new suite of AI for IT tools and services that the company has been researching, developing, and refining in recent years in collaboration with businesses across a broad range of industries.

Introducing IBM Watson AIOps

This week IBM announced IBM Watson AIOps, a transformative technology born in IBM research and commercialized in IBM's AI Watson business. It automates key aspects of IT management and is designed to help CIOs start reducing costs and not only withstand the pressures of complex network architectures, but thrive in them.

Mastering such complexities is especially important now that so many IT networks are "hybrid multicloud"— a combination of different providers' public and private cloud systems, as well as on-premises networks.  

Watson AIOps is a real-time tool that automatically monitors, correlates, and resolves the massive amounts of unstructured data between network events, logs, and work tickets. It also detects and helps identify anomalies automatically and in real time, and it alerts administrators to take action if problems arise. 

The program is built on the latest version of Red Hat OpenShift, the open platform designed to enable so-called modernized applications to deploy and work anywhere — across different vendors' clouds, private cloud environments, and on premises — with resiliency and at scale. Notably for today's remote and distributed work environments, Watson AIOps also works with popular communications technologies including Slack and Box.  

With Watson AIOps in hand, CIOs can begin to forecast and shape future IT outcomes. They can empower IT staffs to engage in higher-value work. And to the benefit of the entire enterprise, the CIO can automate IT processes and experiences wherever possible to help lower costs and speed network and system performance.

AI for Application Modernization Services

As part of this new suite of AI for IT tools, IBM is also helping CIOs make big strides in modernizing their IT applications to become more resilient. Application Modernization Accelerator for AI is a new capability within the IBM Cloud Modernization service designed to help clients reduce the overall effort and costs associated with modernization by leveraging advanced AI technology from IBM Research. It provides a series of tools to optimize end-to-end modernization journey while accelerating analysis and recommendations relative to architectural choices. This accelerator also leverages continuous learning interpretable AI models to adapt to clients' preferred software engineering practices and stays up-to-date with the evolution of technology landscapes and platforms.

What else is new?

In addition to Watson AIOps and these new AI for Application Modernization services, IBM is announcing several other solutions to help drive IT automation using AI. That includes an update to IBM Cloud Pak for Automation designed to make it easier for CIOs to develop AI-based "digital workers" that automate routine work tasks like data capture.

In the meantime, a new version of Watson Assistant — IBM's virtual agent for call centers and other similar customer service settings — is also now available. It's easier to deploy and use out of the box, with no additional development required. What's more, this new version includes an auto-learning feature that can take its cues from questions coming in from users and automatically fine-tune and improve the responses based on user input.

IBM also rolled out its latest version of IBM Cloud Pak for Data, the industry's only data and analytics platform of its type. One of its many new attributes is the addition of Planning Analytics. Together, the new features will enable CIOs to give their business leaders automatic access to critical business-ready data and apply planning and risk management analytics to quickly and accurately update their business plans. And it can do all this within the collaborative, distributed work environments required during the COVID-19 crisis and in whatever the post-pandemic future may hold.

Troubleshooting before there's trouble

Of course, this week's news expands on the recently announced business solutions that can support COVID-19 disruption through which IBM is already helping businesses navigate today's uncertain business environment. Leading businesses and institutions have been turning to IBM industry expert services in cloud, data, and AI solutions to respond to the challenges during this pandemic.

As a new world, and a new world of business, unfolds before our eyes, IBM's AI for IT is ready to help CIOs not only survive but potentially thrive.

Watch content from IBM's recent "Think" conference to learn more about its new technology, capabilities, and tools.

This post was created by IBM with Insider Studios.

Join the conversation about this story »

• Finding a sports bra that looks good, fits well, and gives you enough support for your workout is really hard.
• We've done the heavy lifting to find the best sports bras for every size and budget.
• Sweaty Betty and Zensah make the best sports bras for A to B cups, Brooks and Champion make the best sports bras for C to D cups, while Panache and Syrokan make the best sports bras for DD cups and up.
• The most important factors to consider are size, comfort, and support. Here's what you should be looking for when shopping for a sports bra.
• See also: The best workout clothes for women

The first prototype of today's modern sports bra was invented over 40 years ago in 1977. Not so surprisingly, traditional lingerie bras just weren't cutting it on runs, so two women named Lisa Lindahl and Polly Smith took matters into their own hands. Thanks to them, we've come a long way from the "jockbra" and now there is an overwhelming number of styles and sizes of sports bras to choose from. 

Besides your running shoes, as a woman, your sports bra is the other most important — and personal — piece of workout gear that you shouldn't do without. It keeps your chest supported during your workout, minimizing any bounce and jiggle. This is important because while your breasts don't have any muscle, the skin and ligaments that give them their shape can stretch over time without proper support.

With so many styles and sizes to choose from, you're bound to find your perfect fit so you can run happy and bounce-free. Below are some important factors to consider when it comes to finding your perfect bra.

There's plenty to think about when searching for the perfect sports bra to add to your running wardrobe, but we've done the testing and read the reviews to find you well-performing sports bras for every size.

Here are the best sports bras:

• Best sports bra for A/B cups: Sweaty Betty Stamina Workout Bra
• Best budget sports bra for A/B cups: Zensah Seamless sports bra
• Best sports bra for C/D cups: Brooks Rebound Racer bra
• Best budget sports bra for C/D cups: Champion Spot Comfort sports bra
• Best sports bra for DD+ cups: Panache Women's Underwire sports bra 
• Best budget sports bra for DD+ cups: Syrokan Front Adjustable sports bra

Prices and links are current as of 5/4/20. We are currently testing new products, so we'll update this guide soon.

SEE ALSO: The best fitness trackers you can buy

The best sports bra for sizes A/B

The supportive under band, wide straps, and waffle detailing for extra ventilation make the Sweaty Betty Stamina workout bra an all-around winner when it comes to support and performance.

Just because you're petite on top doesn't mean you should go without a sports bra. While you may not need a high impact bra with extra padding and underwire, a medium impact compression-style bra that helps restrict any extra movement is always a good idea.

With a compression-style bra, the band and material are especially important, as these are the things that will provide you with the comfort and support you'll need. The Sweaty Betty Stamina delivers in both departments, with a wide under band and sweat-wicking, seamless fabric.

The wider band makes this an ideal bra for high impact sports like running, and if you cross-train, on the days you aren't running, it will do double duty. It's comfortable enough for other types of workouts like spinning and yoga. Workout gear isn't always cheap, so versatility is a great thing to have, giving you the most value for your money.

The Sweaty Betty Stamina is on the more expensive side, but its multi-use functionality does help justify the price, as do its features. The seamless design adds comfort and reduces chafing on longer runs, and the strategically placed waffling in the fabric provides extra ventilation where you'll need it most. The wide straps won't dig into your shoulders, and the tight-knit fabric and added elastane give this bra a soft, yet supportive feel.

The Stamina comes in several different colors. It's available in sizes Small, Medium, Large, and XL instead of cup sizes, so you'll want to refer to the bra guide to find your perfect fit. Some buyers do wish that an extra small was offered, but otherwise found the Stamina comfortable, and like that it washes well.

According to the product description, it will give medium support up to a C cup, but for adequate running support, most reviewers with up to a B cup felt that it provided them with the support they needed for higher impact workouts. Those with larger busts loved the comfort of this bra, but don't recommend it for running.

If you're looking for a sports bra that can take you from the road, to the yoga mat, and then go the extra mile with you on your weekly errand running, this is the must-have that can help you do it all in comfort.

Pros: Wide under band for support, seamless design, wide straps for added comfort, waffled fabric detailing for extra ventilation, washes well, multiple colors to choose from

Cons: Expensive, some reviewers wished it came in extra small

The best budget-friendly sports bra for sizes A/B

The Zensah Seamless is a no-fuss, affordable sports bra that has a seamless design, making it a favorite among distance runners who want chafe-free runs.

Even some of the most well-designed sports bras will start getting uncomfortable once you're five miles into a run, but this isn't the case with the Zensah. At first glance, it looks almost too simple, but for those with smaller chests looking for compression support, simplicity wins out.

There are no hooks, plastic, metal, or tags on this pullover bra, and the seamless design means nothing will be jabbing you repeatedly while you log your miles. The fabric is sweat-wicking and odor resistant, so you can stay comfortable even as the temperatures rise and the sweat starts to pour.

The racerback design won't hinder your motion, and there are plenty of fun colors patterns to choose from, making this the type of bra you could wear alone or under a top.

While it may look simple, the Zensah is anything but. Most of its features are knitted directly into its fabric. The wider fabric knitting in the back allows for ventilation, while the more sturdy ribbing on the sides and in the band itself offer more structured support without the use of underwire or additional padding.

The simplistic, clasp-free style also lends itself well to mat workouts on the days when you're giving your muscles a rest, so you can do your Savasana without anything digging into your back and distracting you from your state of mindfulness. If yoga isn't your thing, the Zensah's support also lends itself well to other high impact cardio workouts.

This bra is best suited to those requiring an A or B cup for running, but those with a C cup have also had good results while running with the Zensah. 

There are few downsides to this bra, but if you're looking for extra coverage on those cold days, be aware that the material across the chest doesn't have any additional padding.

Pros: Seamless design, sweat-wicking fabric, ribbing on the sides and in the band for extra support, affordable

Cons: Not as much coverage across the chest

The best sports bra for sizes C/D

The Brooks Rebound Racer is a high impact bra that delivers support without extra padding and has adjustable straps for comfort and a customizable fit.

While Brooks is a well-known brand when it comes to reliable running shoes, the company also makes some great running apparel. The Rebound Racer bra is a perfect example. Finding a high-impact sports bra that provides enough support without any padding can be a challenge, but this sports bra does just that.

I was able to test the Brooks Rebound for myself and can attest to both the comfort and support it provides on a run. While those with A and B cup sizes would be fully supported in this sports bra, its design is also fantastic for those with a little more up top.

Compression style bras don't always provide enough support for those with C or D cups, but the molded, compressive cups keep everything in place while creating a flattering silhouette. In short, you get compression-style support without the dreaded "uni-boob" effect that can sometimes occur with this style of bra.

The sweat-wicking fabric and strategically placed mesh ventilation keep you dry and comfortable. Adjustable straps, as well as an adjustable rear enclosure, add to the comfort of the Rebound Racer, provide a more customized fit, and make it easier to get it off after a long, sweaty run. 

I've taken this bra on multiple runs without any issue. While running, I felt completely supported and didn't notice any chafing. The adjustable straps were one of my favorite features, allowing me to find my perfect fit, and preventing the straps from cutting into my shoulders — an issue I've had with many other sports bras I've tried in the past.

I liked that the fabric used was thick enough to provide coverage with no additional padding needed, giving this bra a less cumbersome feel. It was also nice not to have to remove any padding before washing. I've washed the bra multiple times, and it's held its shape completely, making it feel like new every time I put it on. I've never put this in the dryer, which isn't recommended as drying will shorten the lifespan of any sports bra, but it also air dries very quickly thanks to the sweat-wicking material.

Some reviewers did feel that the sizing was a little off, and did need to size up to find their perfect fit. It's important to note that this is a compression style bra, so the fit will be snug, but it shouldn't be snug enough to make you uncomfortable. 

Pros: High impact support without padding, adjustable straps and rear enclosure for a customized fit, sweat-wicking fabric, washes well

Cons: Some reviewers feel that the sizing runs small

The best budget-friendly sports bra for sizes C/D

With gel-cushioned straps, wire-free molded cups, and targeted ventilation, the Champion Spot Comfort sports bra provides comfort where you need it most. 

A more affordable option than most, the high impact Champion Spot Comfort bra features molded cups, making it ideal for C and D cup ladies that need a little extra support but don't want any underwire. While compression can be an effective form of support, for those with a larger bust size, a combination of encapsulation (individual cups) and compression provides all-around motion control and a more flattering shape.

Instead of having a racerback design, the Spot Comfort clasps in the back and is adjustable so you can find your perfect fit. Being able to completely unclasp the bra allows for easy removal — a major plus after a sweaty run when you can easily give yourself a workout just by trying to get out of your sports bra.

Along with an adjustable rear enclosure, the straps of the Spot Comfort are also adjustable and are gel-infused, giving you freedom of motion, and preventing any shoulder chafing. Mesh paneling is placed along the top and in between the cups, giving you ventilation where you'll need it most on your runs. The material is sweat-wicking and quick-drying, so you'll stay comfortable even on summer runs.

The inside of the bra features a smooth lining for additional comfort, and the back is tag-free to minimize any chances of chafing. There are plenty of color combos to choose from, so you can find the one that goes with your favorite running top. This is also a bra that looks stylish even on its own for the hot summer days when you want to ditch as many layers as possible.

The Spot Comfort goes by traditional bra sizing (band and cup size) for a more tailored fit and goes up to a DDD cup size. Some people have found the back clasp difficult to reach, and others don't care for the stitching on the inside on the top of the bust, finding it itchy. Overall, though, the Spot Comfort is a good and affordable option.

Pros: Molded cups for additional support and more natural silhouette, adjustable gel-cushioned straps, targeted ventilation, sweat-wicking material, hook and eye closure for easy on and off, multiple colors to choose from

Cons: Back clasp can be difficult to reach, some people found the flat stitching in the interior of the bra itchy

The best sports bra for sizes DD and up

If you have a large cup size and need a sports bra that will keep bouncing out of the equation, the Panache Underwire sports bra is for you.

So often, women find themselves sacrificing style when it comes to larger clothing sizes because the options become more limited, and it's a sacrifice that shouldn't have to be made. Luckily, more brands are finally starting to see the light and provide stylish options in a wide range of sizes.

Athletic wear especially has seen changes in recent years, and it shows in sports bras like the Panache Women's Underwire, which is specially designed for women with a full bust. Notable for its ability to eliminate bounce, this sports bra combines both function and style, creating a flattering shape in multiple colors and patterns to choose from.

The options don't end at colors, either. The Panache also has adjustable straps and an adjustable hook and eye closure so you can create a more customized fit. The wide padded straps are designed for comfort and are convertible so you can choose if you want a racerback style.

The underwire gives extra support and shaping and is completely encased so you won't feel any uncomfortable jabbing during your run. The cups are lined with sweat-wicking material for additional comfort, and mesh paneling built into the bust will eliminate sweat build-up, keeping you dry and eliminating the chances for chafing to occur.

There is a science behind the bounce-free design, as it encapsulates instead of simply compressing your breasts against your chest, making for a far more comfortable (and flattering) fit while reducing movement in all directions.

The Panache Underwire comes in a wide range of sizes and goes up to 40H. Some people have found that sizing runs small for them, and found a better fit by sizing up. Others report that the metal rings on the straps tend to squeak when worn as a racerback.

Pros: Bounce-free design, plenty of colors and patterns to choose from, wide adjustable straps, adjustable hook and eye closure, mesh paneling for added ventilation, encapsulation-style support for a more comfortable and flattering fit

Cons: Expensive, the sizing ran small for some people, metal rings on straps can squeak when worn as a racerback

The best budget-friendly sports bra for sizes DD and up

Women with a DD+ bust will appreciate the comfort the affordable Syrokan Women's Front Adjustable sports bra offers, with its wire-free, full coverage.

It can be hard to find a sports bra that truly keeps everything in its place, looks flattering, and provides options for a more customized fit for an affordable price. The Syrokan Front Adjustable is a sports bra that rises to this challenge.

Available in sizes ranging from a B cup to an F cup, it checks off all the boxes so you'll be able to conquer your runs in comfort. True to the name, the straps are completely adjustable, and they can also be undone. The wide under band offers full coverage and support and prevents the bra from riding up during high impact workouts like running.

The straps aren't the only adjustable feature on this sports bra. The racerback has a rear enclosure, giving the band a more customizable fit, and allowing for easier removal. Though it doesn't have any underwire, this bra uses more than compression for motion control.

Molded cups allow for encapsulation support, with limited stretch to keep everything in its place. Sweat-wicking fabric will keep you dry, and the mesh inserts on the sides of the bra and in the back provide additional ventilation.

It may not be the flashiest sports bra, but the Syrokan does offer a good number of color options, and its simple style allows it to look good under any running top. It also has just enough padding so it will also look flattering worn on its own.

Some people find it tricky to reach the rear enclosure or wish for even more separation, but, despite some downsides, the Syrokan is a worthwhile purchase, especially at the affordable price.

Pros: Velcro adjustable straps, adjustable rear enclosure, sweat-wicking fabric with mesh inserts for additional ventilation, encapsulation for additional support, affordable

Cons: Some people find the rear enclosure hard to reach, some wished there were more separation for an even more flattering fit

What to look for in a sports bra

Size

Starting with the right-sized sports bra is the key to having comfort and support during your workout. Unlike 40 years ago, there is now a wide range of sizes to choose from whether you're on the petite side or rocking a curvier figure. Women come in all shapes and sizes, and sports bras finally reflect that fact. 

Comfort

Once you've determined the size you'll need, you'll be able to find a comfortable fitting sports bra. Material and style can also determine how comfortable a bra will be. Sweat-wicking synthetic materials are best, since they'll dry more quickly and reduce the chances for uncomfortable chafing during a run. Style is very much a personal preference, but features like adjustable straps, mesh paneling, and seamless designs can all contribute to comfortability.

Support

Even if it feels comfortable at first, there's no point in wearing a sports bra that doesn't give you adequate support once you put your body in motion. If you feel any jiggle up top, or have to do any adjusting, it likely means your bra isn't fitting correctly and isn't supportive enough.

A sports bra's support comes more from the band than the straps. For running, you'll want to look for a medium to high impact sports bra depending on your size. Save the low impact sports bras for workouts like yoga or barre, when you aren't hitting the pavement. With medium and high impact sports bras, the only bounce you should feel is in your step.

Sports bra care

Once you've found a sports bra you love, the last thing you want to do is shorten its lifespan by washing it incorrectly. Doing so can cause it to lose its elasticity, and in turn its support. While no sports bra can last forever, with the proper care, you'll be able to get the most mileage out of it, and make the most of your money.

The best practice is to hand wash and air dry your sports bras, but if you do have to machine wash them, avoid using fabric softeners which ruin the effectiveness of sweat-wicking fabrics. The one thing you should avoid at all costs is putting them in the dryer with high heat, as this can ruin the elasticity of the fabric.

What else we considered

• Under Armour Infinity Sports Bras ($35-$60): Under Armour's Infinity Sports Bras are available in three support levels (low, medium, and high) and range in price from $35-$60 and sizes XS-3X. The company worked with a breast health expert to design a sports bra that moves the way that women's breasts do during exercise — which led to its internal infinity symbol design. The sports bra is relatively lightweight, supportive, and affordable, but we have a few reservations. Its low-support style still has more padding than alternatives which may not be necessary for you, and one reviewer noted that the high impact sports bra has a thin band that occasionally rolled up and flipped up on itself. 
• Outdoor Voices Zip Bra ($75): Outdoor Voices' Zip Bra has wide, adjustable straps and an easy zip closure that makes taking it off a breeze. The molded cups are also nice. But, the material is a little thick and the price is pretty steep. 

Check out our other great workout gear guides here

The best workout clothes for women

With the right clothes, you'll actually want to get to the gym and show off your style before meeting friends for a much-deserved drink afterward. These are our top picks for the best women's workout clothes.

The best running shoes for women

Whether you're beginning your running journey, or you're an experienced runner looking for a new shoe to try, finding a quality pair of running shoes is the first step to guaranteeing your future running endeavors will be enjoyable. These are the best women's running shoes.

The best running belts

If you want to carry anything on your run, a good running belt can be a useful piece of gear to have. No matter what your needs are, you'll want a belt that fits you comfortably, and one that will stay securely in place with minimal bouncing. These are the best running belts.

The best running socks

Running doesn't need a lot of equipment. While the fancy gear is fun and can make runs more enjoyable, some would argue that all you need is a good pair of running shoes. However, there's another key piece that shouldn't be forgotten no matter how many miles you log: a good pair of running socks. These are the best running socks.

• For the first time in American history, the US Supreme Court is holding publicly broadcasted oral arguments by teleconference to hear cases during the coronavirus pandemic. 
• In another historical first, a toilet could be heard flushing in the background of Wednesday's oral arguments, in the case of Barr and the FCC vs. the American Association of Political Consultants. 
• The toilet flush and other background noise could be heard as Roman Martinez, an attorney for the AAPC, was presenting arguments.
• Visit Business Insider's homepage for more stories.

For the first time in American history, the US Supreme Court is holding publicly broadcasted oral arguments by teleconference so cases can be heard during the coronavirus pandemic. 

For many Americans, the transition to conducting business almost entirely by phone or videoconference has led to some awkward — and messy — situations. This morning, the Supreme Court learned that it was no exception. 

In a historical first, a toilet could be heard flushing in the background of Wednesday's oral arguments in the case of Attorney General William Barr and the Federal Communications Commission vs. the American Association of Political Consultants. 

The toilet flush and other background noise could be heard as Roman Martinez, an attorney for the AAPC, was presenting arguments.  The noise did not appear to come from Martinez's line, but from another unmuted person on the teleconference. 

In the case, the AAPC is challenging a provision of the Telephone Consumer Protection Act of 1991 that seeks to reduce the prevalence of unwanted robocalls by banning companies or other groups from making auto-dialed, pre-recorded phone calls except in cases of emergency, if the other party consents to receive such calls, or to collect debts owed to the US government. 

The AAPC, a trade group that represents political consultants who could benefit from loosened restrictions around automatic, pre-recorded calling, is arguing that the current bans for most automated calls violate the free speech protections in the First Amendment, according to Oyez.

Join the conversation about this story »

NOW WATCH: Tax Day is now July 15 — this is what it's like to do your own taxes for the very first time

• Everyone wants a comfortable pillow that gives you the head and neck support you need. Down pillows are popular for their softness, luxurious feel, and versatility.
• The Pacific Coast Double Down Around King Pillow uses an inner core of duck feathers for support and an outer layer of duck down for comfort. The pillow-in-pillow design is great for all kinds of sleepers.

We can all look at certain products and know we're getting good quality. Other products are a little tougher to judge at first glance, such as down pillows. But we still all know when the down pillow we're using is well made because we wake up without headaches, neck aches, and nasal congestion. 

Down pillows are popular for their comfort and versatility. People who select a down pillow typically are looking for softness and cushioning versus lots of structure, though you can find firm down pillows. Another advantage of a down pillow is that you can adjust the positioning of the fill in the pillow to give you the exact support you need on a particular night.

If you're afraid of down pillows because of concerns over allergies, WebMD says the allergy risks of a down pillow are no different than other pillow fill materials. Hypoallergenic down pillows have been thoroughly cleaned during the manufacturing process, further reducing the concern over allergies.

Because department stores tend to frown on you taking naps during shopping hours to test various pillows, we've made this guide to the best down pillows so you can find your dream pillow without having to sleep on it first. 

Here are the best down pillows:

• Best overall: Pacific Coast Double Down Around King Pillow Set
• Best with 750 fill power: Royal Hotel Goose Down Pillow
• Best for stomach sleepers: Downlite Extra Soft Down Pillow
• Best luxurious pillow: Continental Bedding White Goose Down Pillow
• Best on a budget: Puredown Natural Goose Down and Feather Pillow Set

Prices and links are current as of 5/6/2020.

The best overall

The smart pillow-in-pillow design of the Pacific Coast Double Down Around King Pillow Set gives you a mix of support and comfort with high-quality duck down and feathers.

If one of your complaints about down pillows is the lack of support they give you, the Pacific Coast Double Down Around King Pillow Set has an interesting design to solve that problem.

The Pacific Coast down pillow has an inner core of feathers with a down filling around it. It consists of all-natural duck down and feathers in a design that is almost like a pillow in a pillow. The inner core gives you a nice level of support while sleeping, and the down filling gives you a great level of comfort.

Pacific Coast describes the pillow as medium support, so it should work well for most sleepers. You get two pillows in the set, and each one has a fill power of 550. The pillows are machine washable and hypoallergenic. Pacific Coast also offers a 30-day guarantee, so if you dislike the pillow for any reason, you can return it and get your money back.

Other expert reviewers also rate this set of pillows highly. In its review, Good Housekeeping says this Pacific Coast pillow looks great and delivers a high level of comfort, thanks to the use of feathers and down.

Allure likes the hypoallergenic properties of this pillow, as it is able to block dust mites and allergens. The down fill that Pacific Coast uses with the pillow is extremely clean, too. 

Pros: Pillow-in-pillow design for a superior mix of support and comfort, good support no matter what sleeping position you prefer, good hypoallergenic properties

Cons: Very expensive, may not quite match pillows you'll find in luxury hotels

The best with 750 fill power

Filled with 100% goose down at 750 fill power, the Royal Hotel Goose Down Pillow is so feathery-soft.

Some inferior down pillows are really stuffed mostly with feathers. That means you run the risk of being poked by a stray quill. Plus, feathers are not as soft and fluffy as down. The Royal Hotel Goose Down Pillow is filled with 100% goose down, which is much fluffier than less desirable duck down, so you'll enjoy a luxuriously comfortable night of sleep.

Royal Hotel doesn't skimp on the down, either. With a 750 fill power and 35-ounce fill weight, you're getting lots of downy comfort in a very supportive pillow that isn't too soft and isn't too firm. Plus, the down is sanitized to remove allergens and bacteria, so you can enjoy the pillow even if you are usually allergic to feathers. The cover of the pillow is 100 percent cotton, with a 500-thread count, so it's soft and smooth, but strong enough to contain the down.

The pillows are firmer than many might expect, which might be good or bad depending on your preference.

For down pillows, the price is actually quite reasonable, but Royal Hotel only sells the pillows by the pair, making it a more expensive purchase overall. — Michelle Ullman

Pros: High quality down, firm, comfortable support.

Cons: Only sold by the pair, may have a faint "feathery" smell at first

The best for stomach sleepers

Stomach sleepers need a high level of support in a down pillow, and the Downlite Extra Soft Down Pillow has a thin design that won't compress much during the night.

Doctors and sleep experts agree that you probably should not sleep on your stomach because it can lead to back and neck problems due to the unnatural stress you're putting on these parts of your body. Still, some of us just can't help ourselves, because stomach sleeping starts out so comfortable.

One reason why this Downlite down pillow works so well for stomach sleepers is that it doesn't compress flat under constant pressure. The Extra Soft Down Pillow isn't as thick to start with as some other down pillows, so it doesn't go flat as fast and the pillow will hold its shape quite well through the night.

You can pick from three sizes of this pillow: king, queen, or standard. Downlite uses duck down as the fill material with a fill power of 525 to 550. It's machine washable and hypoallergenic.

The Downlite pillow's thinness delivers the level of support that stomach sleepers need to avoid neck and spine alignment problems.

Because stomach sleepers will have their faces pressed into the pillow, the hypoallergenic properties on this Extra Soft Down Pillow make it safer to breathe in the night, says Bedding Pal.

If you listen to your doctor and you don't sleep on your stomach, you still can appreciate the support found in the Downlite Extra Soft Down Pillow, according to Super Comfy Sleep, as it yields a higher than average level of support for a down pillow.

Pros: Flatter than most down pillows to help stomach sleepers achieve just the right level of support, tough pillow that's machine washable, has nice hypoallergenic properties to help with allergy concerns

Cons: A higher than average cost for a down pillow, may be too thin for some

The best luxury down pillow

Even though it carries a high price tag, the goose down in the Continental Bedding Premium White Goose Down Pillow gives it a feeling of luxury that justifies its cost.

When it comes to selecting luxury products, you naturally expect to pay more. So the high price point on the Continental Bedding Premium White Goose Down Pillow should give you a clue as to its excellent level of quality.

But price alone doesn't guarantee a pillow will be luxurious. (You'll save a bit of money by opting for the set of two.) It needs to deliver a premium level of comfort to receive that tag, and the Continental Bedding down pillow delivers. 

By using goose down instead of duck down in the Premium White Goose Down Pillow, you get a softer and fluffier pillow with a high level of comfort that's tough to match at this price. It has a 550 fill power and the pillow is hypoallergenic. You can get it in several sizes in soft or regular levels of firmness.

Considering the quality of its materials and the goose down fill, the Continental Bedding Premium pillow is reasonably priced. Sleep Advisor gives this pillow high marks because it features 27 ounces of high-quality goose down and feels incredibly comfortable to sleep on. In its review, Bedding Pal highlighted the 233 thread count cotton cover of the pillow for its breathability.

However, both Sleep Advisor and Bedding Pal say the pillow isn't as flexible as some down pillows, which will disappoint those who like to fold and adjust their pillows.

Pros: Extra comfort from goose down fill makes this pillow feel great, uses an all-cotton pillow cover for breathability, offers customers a good value as it will last for a long time without breaking down

Cons: Not as flexible as some down pillows, may compress too flat for some people

The best on a budget

The Puredown Natural Goose Down and Feather Pillow Set uses a mixture of feathers and down to give you a great price.

If you are feeling disappointed by the high prices you see for most down pillows, you're going to appreciate the price tag on the Puredown Natural Goose Down and Feather Pillow Set, which gives you two down pillows for the price you'd normally pay for one.

These Puredown pillows consist of goose down and feathers, which typically carries a higher price tag than duck down and feathers. The pillows do contain a high percentage of goose feathers along with the goose down, though with the ratio being 95% feathers and just 5% down. This high percentage of feathers in the pillow definitely won't appeal to everyone who wants a down pillow, but it keeps the price down.

Puredown follows the Responsible Down Standard when it selects the down and feathers used in its pillows. These pillows have 32 ounces of down and feathers for medium support.

The 100% cotton, 233 thread count cover keeps the pillow comfortable and breathable while also protecting it from wear. The cover is tough, too, preventing feathers from leaking out. They a nice level of softness, but may compress too much under pressure, not giving sleepers the support they need. If you like firmer pillows, these may not be the ones for you.

Pros: Excellent price point for two goose down pillows, uses a high-quality pillow cover for comfort and breathability, very soft and comfortable, feathers will stay inside the pillow nicely

Cons: Compresses too much for some people, may have an odor initially, higher percentage of feathers than down

What type of down pillow should I buy?

Here are the most common types of down in pillows:

• Duck down is the least expensive type of down pillow. Duck down gives you a nice cushioning, but it does sometimes have an odor to it.
• Goose down costs more than duck down, but it's higher quality. Goose down tends to retain heat better than duck down, too, which is nice for cold nights.
• Eider down is easily the most expensive style of down used in pillows, as it comes exclusively from the eider duck. It's incredibly soft and comfortable, but you'll have to hunt quite a bit to find this type of pillow.

A note on down and fill power

Down is a protective covering on a bird that lies below the feathers. Down clusters used in pillows actually don't look much like feathers. Instead, down looks a bit more like a tiny ball of cotton threads. Many down pillows consist of a mixture of down and feathers. Such pillows won't be as soft as down-only pillows, but most people don't mind the feel of the mixed pillow. 

The pillow should list a percentage of the down and feather mixture it contains. The more down clusters the pillow has, the softer it should be. Ratios of 50%, 75%, and 95% are common.

Fill power measures the loft of down or how much it rises when not compressed by an outside force. This gives you a clue as to the durability of a pillow, as well as its ability to retain its shape. Fill powers of 700 and higher are the best quality because they retain their shape longer, though 550 fill power is the most common for medium down pillows.

Fill weight is how much down is physically packed into the pillow. The higher the fill weight, the firmer the resulting pillow. It's important not to confuse fill power with fill weight. A 700 fill power pillow will not be firmer than a 550 fill power pillow with the same fill weight, but it will be more durable. On the other hand, a pillow with a 32-ounce fill weight will be much firmer than a pillow with a 16-ounce fill weight, even if they both use 550 fill power down.

One final consideration you should have relates to the cleaning and maintenance required for the pillow. According to Good Housekeeping, some down pillows are machine washable, which is convenient, while others must be dry cleaned or only may be spot cleaned. Some have removable covers that can be washed, while other covers cannot be removed. 

Check out our other great buying guides for bedding

The best sheets

Few would deny that at the end of a long, hard day, sliding into a comfortable bed outfitted with soft, smooth sheets that pamper your skin is one of life's greatest pleasures. After reviewing dozens of contenders for the best sheets, we've narrowed it down to our favorites. Here are the best sheets you can buy. 

The best mattress toppers

Although a mattress topper isn't a must-have for your bed, it's one of the easiest ways to up your sleep quality and comfort. We researched dozens of mattress toppers and determined that these are our favorites. Here are the best mattress toppers you can buy. 

The best pillows

A good pillow means a good night's sleep. We reviewed dozens of pillows to narrow down the choices to the ones you'll love best. From down pillows to memory foam and everything in between, here are the best pillows you can buy. 

The best duvet covers

Your cozy down-filled duvet needs a stylish cover to keep it clean and add some spice to your bedroom's décor. We've rounded up the duvet covers likeliest to suit your style, your budget, and your needs. Here are the best duvet covers you can buy.

The best mattresses

A great mattress can be the difference between a good night's sleep that results in a productive day or a horrible night that makes you feel like you didn't sleep at all. Here are our top picks for the best mattress you can buy.

• President Donald Trump on Wednesday said the White House coronavirus task force would continue "indefinitely" because of its "success."
• "The White House CoronaVirus Task Force, headed by Vice President Mike Pence, has done a fantastic job of bringing together vast highly complex resources that have set a high standard for others to follow in the future," Trump tweeted.
• As he explained why he changed his mind, Trump later said he had no idea how "popular" the task force was. 
• This came less than a day after Trump and Vice President Mike Pence signaled that the task force would be disbanded as soon as this month, which appeared to be news to top officials in the group like Dr. Anthony Fauci.
• Visit Business Insider's homepage for more stories.

President Donald Trump on Wednesday said the White House's coronavirus task force would continue "indefinitely," less than a day after the president and Vice President Mike Pence signaled the group would be disbanded.

"The White House CoronaVirus Task Force, headed by Vice President Mike Pence, has done a fantastic job of bringing together vast highly complex resources that have set a high standard for others to follow in the future,"Trump tweeted. "Because of this success, the Task Force will continue on indefinitely with its focus on SAFETY & OPENING UP OUR COUNTRY AGAIN."

The president added: "We may add or subtract people to it, as appropriate. The Task Force will also be very focused on Vaccines & Therapeutics. Thank you!"

Later in the day, as Trump explained why he changed his mind, the president said, "I had no idea how popular the task force is until actually yesterday."

Just a day earlier, Pence on Tuesday said the White House was considering disbanding the task force by Memorial Day. The task force, which is led by Pence, is a hodgepodge of White House officials, public-health experts, and other emergency-management officials from various federal agencies.

"I think we're having conversations about that and about what the proper time is for the task force to complete its work and for the ongoing efforts to take place on an agency-by-agency level,"Pence said. "And we've already begun to talk about a transition plan with FEMA."

He added: "I think we're starting to look at the Memorial Day window, early-June window as a time when we could begin to transition back to having our agencies begin to manage — begin to manage our national response in a more traditional manner."

Separately, while at an event in Arizona, Trump said: "Mike Pence and the task force have done a great job, but we're now looking at a little bit of a different form, and that form is safety and opening. And we'll have a different group probably set up for that."

On top of the mixed messaging from the president and vice president, top public-health officials on the task force on Tuesday did not appear to be cognizant there were conversations about breaking up the group. Dr. Anthony Fauci, the nation's top infectious-disease expert and a member of the task force, told CBS News' Paula Reid it was "not true" that the task force was winding down.

The US is the epicenter of the coronavirus pandemic, with the most reported cases and confirmed fatalities in the world. As some states move to reopen and ease restrictions, which is something Trump strongly condones, public-health experts have warned to expect a spike in cases and deaths. Privately, the Trump administration is said to have predicted that the US's daily coronavirus death toll will almost double next month— with daily deaths increasing from about 1,750 at present to roughly 3,000 by June 1.

Trump in a Tuesday interview with ABC News' "World News Tonight" anchor David Muir conceded that the death toll was likely to rise as a result of the reopening.

"There'll be more death, that the virus will pass, with or without a vaccine. And I think we're doing very well on the vaccines, but, with or without a vaccine, it's going to pass, and we're going to be back to normal," Trump, who has faced widespread criticism over his handling of the coronavirus pandemic, told Muir.

As of Wednesday morning, there were over 1.2 million reported coronavirus cases in the US and more than 71,000 reported deaths.

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• President Donald Trump on Wednesday said coronavirus has been worse than Pearl Harbor and 9/11. 
• "This is really the worst attack we've ever had. This is worse than Pearl Harbor. This is worse than the World Trade Center. There's never been an attack like this," Trump said.
• Trump blamed China, where COVID-19 originated. "It should've never happened. It could've been stopped at the source. It could've been stopped in China," he said. 
• The president has ramped up criticism of China as the coronavirus outbreak has escalated in the US, deflecting from his own failures in responding to the pandemic. 
• Trump consistently downplayed the threat of coronavirus in the early days of the outbreak, while praising China and ignoring warnings from top US officials of an impending pandemic. 
• Visit Business Insider's homepage for more stories.

President Donald Trump spent weeks downplaying the threat of the novel coronavirus in the early days of the outbreak, telling Americans everything was "under control" and that the virus would "disappear" with warmer weather.  

The president simultaneously ignored a slew of urgent warnings from officials across the federal government about an impending pandemic, leaving the country unprepared for a public health crisis that's killed tens of thousands of Americans and left 30 million unemployed over period of roughly two months. 

Trump now says the coronavirus pandemic has been worse than Pearl Harbor and 9/11, blaming China for what he described as an "attack" that "should've never happened."

"This is really the worst attack we've ever had. This is worse than Pearl Harbor. This is worse than the World Trade Center. There's never been an attack like this," Trump said at the White House on Wednesday. "And it should've never happened. It could've been stopped at the source. It could've been stopped in China. It should've been stopped right at the source, and it wasn't."

Trump has gone from praising China to blaming it for the scale of the outbreak in the US

The novel coronavirus, which causes the disease COVID-19, first emerged in Wuhan, China. It wasn't identified as a new virus until January, and the World Health Organization did not declare it a pandemic until March. 

Beijing is facing global backlash over its approach to the novel coronavirus, particularly in relation to transparency, so Trump is not alone in terms of his criticism of the Chinese government. 

Though Trump is heavily critical of China now, effectively blaming it for the scale of the outbreak in the US, he praised Chinese President Xi Jinping for his handling of coronavirus in January, across February, and into March. 

Critics of the president have said that Trump's change in tone toward China is part of an effort to deflect from his own failures, and the fact the US is the epicenter of the coronavirus pandemic. 

Trump's rhetoric on coronavirus has shifted drastically as the scale of the crisis has escalated in the US

"We have it totally under control. It's one person coming in from China, and we have it under control. It's going to be just fine," Trump said on January 22.

"It's going to disappear. One day, it's like a miracle, it will disappear,"Trump said on February 27. 

"We're prepared, and we're doing a great job with it. And it will go away. Just stay calm. It will go away," Trump said on March 10.

In a matter of weeks, Trump has gone from telling Americans to "stay calm" about coronavirus, to essentially acknowledging that the death toll has been far higher than two of the most consequential attacks in US history. 

Over 2,400 Americans were killed when the Japanese Empire attacked US forces at Pearl Harbor in 1941. Nearly 3,000 were killed in the terror attacks on September 11, 2001, including 2,753 at the World Trade Center in New York City. 

As of Wednesday afternoon, there were over 1.2 million confirmed cases of coronavirus in the US, and nearly 72,000 reported fatalities. 

Though the Centers for Disease Control and Prevention says the US is still in the "acceleration phase of the pandemic," Trump has been pushing for the US to reopen and ease coronavirus restricts in order to jumpstart the economy.  

When asked if Americans will have to accept that there will be more death from reopening, Trump on Wednesday said, "We have to be warriors. We can't keep our country closed down for years."

SEE ALSO: US national security officials and global health experts are increasingly concerned China will develop a coronavirus vaccine first

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• After the Secure Act, the 529 college savings plan has more uses than before, including the repayment of up to $10,000 of student loans per borrower as a qualified expense.
• For anyone who qualifies for the American Opportunity Tax Credit, or who has a 529 not owned by a student's parents, it might make sense to repay student loans with 529 funds instead of paying up front. 
• If a student has expenses that don't qualify as a 529 disbursement, they can be covered with loans and then repaid with 529 funds.
• Likewise, families that have had a drop in their plan's value after a market downturn could benefit from borrowing now and repaying later. 
• If you have private student loans that don't offer any payment relief, consider refinancing to a lower rate »

The 529 plan is a popular way for American families to save for higher education. These state-sponsored investment accounts help money grow over time, and can be opened by parents, grandparents, or other family members with the child as the beneficiary. The funds must be used for qualifying higher education expenses, such as college tuition, room and board, or an apprenticeship.

After the Secure act became law in December 2019, these plans can now be used to pay off up to $10,000 of student loans per borrower, including parent borrowers. This change allows more choice in how funds are used — sometimes, students might consider borrowing student loans, keeping the 529 money, and repaying the loans with it.

It's worth noting, however, that 529 plans are issued and regulated by states. While federal laws like the Secure Act regulate the accounts, states set their own rules and interpret federal laws differently. Make sure to check the rules for the state where your plan is based to find out how your plan is taxed, whether student loans are considered a qualified expense, and if the account holder can be changed in the future.

Mark Kantrowitz, a student loan expert at Savingforcollege.com, explains that even while borrowing does cost interest — something usually to be avoided — it may not be as much as you think. "Interest rates on federal student loans this fall are going to be at or near historic lows," he told Business Insider. Last year, the federal student loan interest rate for an undergraduate loan was 4.53%, and 7.08% for a parent plus loan. This year, Kantrowitz says, "it's going to be at least 1.7% points lower, maybe as much as 2% lower."

Here are four scenarios where students who have 529 savings might consider holding onto the money, taking out student loans, and then repaying with 529 funds: 

1. If you're eligible for federal student aid and your 529 isn't owned by your parents

The FAFSA, or Free Application for Federal Student Aid, calculates the amount a student's family will pay for college, and for how much financial aid they qualify. It considers a family's assets available to pay for college, and the student's income. 

If anyone other than the student's parents (for instance, a grandparent) owns the 529 plan, using the money may mean paying more for college.

Any 529 plan disbursements from accounts owned by anyone other than a parent is considered student income, of which 50% is considered available to pay for college. That counts against the family's expected contribution, meaning that because of the student's "income," the family would be expected to pay more. It's not the same if the 529 is owned by the parents or students, and considered part of their assets: Only 5.64% of any parent or student-owned accounts counts against the family's expected contribution. 

If you're in the position to get need-based financial aid for college, taking money from the 529 plan could mean getting less need-based assistance and lead to higher costs. Since 529 plans can now be used to pay off student loans, you might want to max out your financial aid, take out student loans to cover the remaining amount, then use 529 funds to pay those loans back upon graduation.

However, remember that funds from a 529 can pay off up to $10,000 in loans only. If you would have to borrow more than that, consider using the 529 money (or some of it) to pay up front.

2. If the funds are invested and there's been a major market drop

Paul Curley, a director of savings research at ISS Market Intelligence, says that anyone who's invested their 529 funds only to see them drop could benefit from taking student loans while they give their 529 funds a few years to recover. 

"Say the market goes down 20% this year," he says. "The investment was $10,000, and it went all the way down to $8,000. We think that in the course of a year, it's going to go back up to $11,000. Borrow the $10,000, and it may be $10,250 later."

In his scenario, the family leaves the money alone for a year until it grows to $11,000, then pays the $10,250 (the loan plus interest) and has $750 left over. If they had just used the original $8,000 to pay the bill, they would have fallen $2,000 short of the $10,000 they needed. 

Again, remember that funds from a 529 can pay off up to $10,000 in loans only. If you would have to borrow more than that, consider using the 529 money to pay up front. Also, bear in mind that investment returns aren't guaranteed, and past performance can't predict the future — which is why experts don't recommend investing money you'll need in the near future. If you're working with a financial planner, you'll probably want to get their take on the wisdom of leaving the 529 money and taking out loans in this scenario.

3. If you qualify for the American Opportunity Tax Credit

The American Opportunity Tax Credit is a tax deduction for qualified education expenses, including expenses for tuition and supplies. The tax credit covers $2,000 of expenses in full and up to 25% of the next $2,000 of expenses for each student and each school year, up to four years. It's available in full to families earning less than $80,000 per year for a single filer or $160,000 per year for joint filers. Any eligible expenses cannot be paid by 529 funds, but can be paid for with loans.

Kantrowitz says that in most cases, it's worth spending or borrowing $4,500 each year from funds outside of your 529 to take advantage of this credit. "You get more financial benefit per dollar of tuition and textbook expenses from American Opportunity Tax Credit than you do for a tax-free distribution from a 529 plan," he writes.

4. If a student has non-qualifying expenses

Room and board aren't the only thing a student will need over the course of their education. If they need something that's not a 529 qualified expense, like health insurance or money for transportation, borrowing for these expenses with a student loan might be the way to go. 

Taking out a student loan for those expenses and then re-paying it with 529 funds can help to avoid the 10% penalty you'd otherwise face for using 529 funds to pay a non-qualified expense up front.

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• I've worn bras for over a decade, but True&Co's True Body collection has the only seamless bra I've tried that actually supports and lifts cup sizes of C-DDD without wires. 
• They have a variety of styles in their True Body collection, but their V Neck Racerback, $58 (currently $37) is my favorite and ultimate weekday warrior.
• The True Body collection sold out seven times after debut, and every bra falls within the range of $44 - $64. The True Body Lift Bras are now available in sizes up to 42DDD/F. 
• Shop True&Co best-sellers directly, or take a detailed Fit Test here, which uses fit data from nearly 6 million women to make their designs smarter and recommendations more precise. 

Like most people who regularly navigate Facebook, I've grown a bit suspicious of all the ads chasing me.

Don't get me wrong, I've found really great buys that way — Mahabis slippers, Daily Harvest smoothies, Mott & Bow skinny jeans, and Oliberte leather boots come to mind — but there are at least a few companies hiding in that mix who might have a big social media following, but ultimately underdeliver on their promises of comfort, quality, or fit.

True&Co, a brand I found on Facebook, piqued my interest with a wireless bra that was touted as the only one that actually offered support to larger cup sizes. In my experience, though, bras that promise to get rid of wires and still magically provide lift have just been telling all the girls wearing a C or larger only what they wanted to hear. But this collection is different, and it stays true to the big promises. 

After testing it out, the V Neck Racerback, $58, part of the True Body collection, is now my favorite bra that I own. It has quickly become my weekday warrior thanks to its impressive, buttery soft comfort and seamless, clean-lined look. And even though there aren't any wires involved, the V Neck somehow still provides support and lift — though, understandably, still not as much as a traditional bra with some intense wire scaffolding.

The bonded technology means no elastic or bulky, line-disrupting seams; the wire-free channel lends support like underwire without the wire; the "super lift fabric" (a 195g tightly knit blend) provides the noticeable lift and support that usually justifies discomfort in other bras; and the molded cups prevent you from slipping out and getting the dreaded "underboob" that almost uniformly plagues these seamless, "comfort"-first bras. In other words, this bra is not what you think it is. Or, at least, it most certainly was not for me. Even for a DD cup size, this bra still delivered on its rather lofty (pun-intended) claims.

The point is, if you're looking for a bra that is so comfortable you can forget you have it on, is completely seamless under even close fitting tops, and provides more natural lift than your sports bra for at least a DD, then I'd wager you'll love the True Body V Neck Racerback — and likely any of the other True Body bras, which mostly differ based on the orientation of the straps and a U or V neck cut. An important thing to note, though, is that these bras are much thinner than one with padding, and for that second-skin fit, you won't have much coverage. 

With prices between $33 and $64, you're likely to find something that will flatter your shape, meet your lifestyle needs, and fit your budget. Plus, the True Body Lift Bras are now available in sizes up to 42DDD/F. 

I want everyone to love their underwear as much as I've loved the V Neck Racerback, and to be as comfortable in it as I've found the True Body collection to be, but I also know that undergarments are subject to more levels of scrutiny and personal preference than most clothing. It does help when being so adamant about recommending them, though, when you consider that their debut collection sold out seven times on its own. 

You can shop the beloved True Body collection directly on the site, but you'll likely want to take their "Top 3" fit test to get instant answers about which sizes and styles you should be buying. They take into account your preferred style, fit, and your own survey answers about things like body proportions, bra fit complaints, and favorite brands (so their recommendations could fluctuate based on the style you're eyeing).

Plus, they're using the fit data of 6 million women to help you decide what to buy and to improve the fit of their products. However, if you decide to skip it, you can also find a helpful and easy-to-read conversion key at the bottom of each bra's individual page. 

In my case, I'm really glad I took the fit quiz; on my own, I'm positive I would have bought the wrong size. 

If you're less interested in the True Body collection, the company also carries lingerie and underwear. 

I can't say every piece in the True Body collection will be a perfect match for everyone, but I feel confident telling people that the best wireless bra, in my opinion, is True & Co's V Neck Racerback.

If you're looking for support, lift, and love the sound of something buttery soft and seamless, you're likely going to love one of True&Co's True Body bras.

Take the True & Co "Top 3" fit test for recommendations on your perfect three bras.

Shop the True & Co True Body collection. 

SEE ALSO: These photos and early reviews show why Everlane's brand-new underwear line is going to be a smash success

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• All Lyft drivers and passengers will soon be required to wear masks, the company said Thursday. 
• The app will also prompt users to avoid the front seat and keep windows open for fresh air. 
• Uber is reportedly considering similar rules, but has not made any announcements yet. 
• Visit Business Insider's homepage for more stories.

Lyft will require all riders and drivers to wear masks beginning in late May, the company announced Thursday.

"Before using Lyft, every rider and driver will be required to self-certify that they will wear face masks throughout the ride, are symptom-free, and will follow CDC guidelines and local regulations related to COVID-19," Angie Westbrock, Lyft's VP of global operations and head of its COVID-19 response task force, said in a conference call with reporters.

In addition to masks, riders and drivers are also required to confirm they will keep windows open when possible, maintain a clean car, and not ride in the front seat. Anyone who does not agree to the certification in the app will not be able to request a ride, and those found to violate the agreement could be kicked off the app, Lyft said.

"We believe that being part of the Lyft community must come with responsibility to each do our part to protect one another," Westbrock said. "When you wear a mask, you're demonstrating to someone that you care about them. This is to protect their safety. It's really helping give riders and drivers that extra peace of mind in this time."

There's no definitive launch date yet, but Lyft said the requirements would begin "in a few weeks" as it works to get the message out. Other transportation providers, like some airlines, are already requiring masks while even more, like Amtrak, will soon require masks next week. 

"We wanted to be sure that drivers and riders have clarity about the program's expectations," Westbrock said. "In the meantime, we'll continue to communicate with riders and drivers about the CDC guidelines and recommendations so that they have all the information that they need to best protect themselves and those around them."

The new guidelines from Lyft come as many states like Texas announce plans to gradually relax shelter-in-place order and allow some businesses to reopen. Lyft executives said Wednesday that ride volumes have plunged more than 70% amid the pandemic, but are slowly starting to show signs of improvement.

Amid the downturn, Lyft has begun several other initiatives to help protect drivers and maintain ways for them to keep working, including delivering medical supplies and groceries for at-risk groups of people.

Uber is considering a similar move to require masks in the US, CNN Business reported this week, citing an unnamed source familiar with the matter. The company will report its first-quarter earnings Thursday afternoon, and will likely be asked about any safety plans as rides begin to accelerate again.

"We're setting the new standard for health protection in rideshare," Westbrock said.

Join the conversation about this story »

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• My savings strategy is simple: I transfer money out of my checking account into an online savings account with a higher rate of return — and then pretend it doesn't exist.
• I learned this strategy when I worked a full-time job and taxes, insurance, and retirement savings would come out of my paycheck before I even saw the money.
• Now, I've been able to fund trips abroad, cover expensive car repairs, and build a robust emergency fund by pretending I don't have any money.
• Read more personal finance coverage.

To save money, I act like I don't have any. 

That may sound odd. Let me explain. First, I actually like putting away money. As a child, I had my own little bank in the shape of a mailbox. I remember it being a gift from my grandfather, who'd worked for the United States Postal Service. I'd slide coins into the shiny mailbox and grew up learning that it was important to have my own money so I could take care of myself.

As an adult, I've set savings goals like traveling and having an emergency fund. The savings strategy that has consistently worked for me is the one where I transfer money out of my checking account, put it in a separate, online savings account with a higher rate of return— and then pretend like my stash doesn't exist. 

I then repeat these steps until my savings account gets to where I want it to be. 

How I learned this savings strategy

Having a fallback fund has become even more important now that I work independently as a writer, speaker, and coach. But I realized my savings habit was inspired, in part, by my old workplace retirement accounts. 

When I had staff jobs, having a percentage of my paycheck withdrawn before I could spend it was something I became used to. It seemed normal — after the deduction of taxes, other expenses, and retirement contributions — not to have access to my money all at once. 

In fact, when I used to get those paychecks, I'd often take an additional percentage off the top and transfer it to my savings account. I even did automatic transfers at one point, which was effective because I never saw the money in my checking account, so I never really missed it. 

I'd then pay bills, like those for housing, out of my checking account. And since I put many entertainment and other expenses on a credit card (I'm all about points, y'all), I'd use my checking account to pay that card, in full, each month. 

If there was anything left, sometimes I'd add more to my savings. And if I had wants after that, well, I'd look at my checking account balance and tell myself I didn't have the extra money. 

For me, it was a priority to live below my means so I could fund my savings and investments. Though it wasn't always fun to feel like I didn't have cash, I liked seeing my savings account grow. And while I know everyone doesn't operate like this, I'm used to it. 

My father often finds my methods amusing. When he and I talk about pricey things I want to buy, I'll sometimes pitifully tell him, "But I can't. I don't have any money." And I'll mean it. Sort of. But he knows about my stash and thinks my assertions are hilarious. "But you do," he'll say about my savings. And we'll laugh … because he's right. 

When I have to dip into my savings, I always pay myself back

Now there are some exceptions to my amnesia. If I'm working toward a bigger goal — like traveling abroad, investing in self-improvement, or putting a certain amount into the market — I'll occasionally "borrow" money from my savings to pay for it. Or if I have an unexpected expense, like a crazy maintenance bill for my car — why do those happen? — I've withdrawn from savings, too.

For example, I took myself on a $4,000 trip around Europe in 2016 using my savings, and had $3,200 on hand to cover the cost of a major car repair in 2017.

But over time, I work to pay myself back. Sometimes I take on extra freelance work to do it. Or I cut back on spending, planning less costly outings or less shopping. 

These days, I know how much I want to have in my savings account. (Usually several months of living expenses.) Once I have that, I can spend and invest the rest. 

As I gear up to fatten my savings account now that the economy is in a downturn, I'll continue to use this strategy of "hiding" money. And borrowing from myself if I have to. 

So there it is. I'm occasionally my own lender. And apparently an actress, too. Of course, there are no Academy Awards for this kind of playing pretend. I guess my savings will have to do.

• More savings and retirement coverage
• How to retire early
• The best high-yield savings accounts right now
• The banks with the best CD rates
• When to save money in high-yield savings

Join the conversation about this story »

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• This is a preview of The Global Neobanks Report from Business Insider Intelligence.
• Purchase this report.
• Business Insider Intelligence offers even more insights like this with our brand new Banking coverage. Subscribe today to receive industry-changing banking news and analysis to your inbox.

Neobanks — digital-only banks with industry-leading capabilities that don't operate physical branches or rely on legacy back-ends — have exploded onto the global scene in recent years.

Increased consumer interest in neobanks is stimulating competition globally, creating an increasingly competitive landscape which has driven neobanks to roll out extravagant features, like overdraft protection and sign-up incentives. 

Beyond scaling rapidly by user count, neobanks are navigating the best route to profitability. Today, the average neobank loses $11 per user, per Accenture, and though neobanks' expenses are partially offset by not operating costly branch networks, they still need to find sustainable business models.

Some major strategies are beginning to coalesce: Most neobanks operate under a "freemium" model, in which they offer their product for free, but charge for additional features, while others offer multitier subscriptions with varying levels of premium accounts. Additionally, other players are targeting niche segments, like small businesses or gig economy workers, in their pursuit of profitability.

In The Global Neobanks report, Business Insider Intelligence explores how the neobank market has grown rapidly, and what's in store as the industry pivots from hyper-growth to sustainability. We discuss how 26 neobanks in key global markets are prioritizing scale versus profitability, identifying best practices to emulate and pitfalls to avoid.

The companies mentioned in the report include: ABN Amro, Adyen, Ant financial, ANZ, Aspiration, Banco Inter, Bank Leumi, Banco Sabadell, Banco Votorantim, Bnext, bunq, Chime, Commonwealth Bank of Australia, Dave, Finleap, ING, Judo, Klar, Kuda, Mastercard, Monzo, Moven, MYbank, National Australia Bank, Neon, Nubank, N26, OakNorth, Open, Pepper, Penta, Revolut, Raising, Rabobank, Santander, Starling, Standard Chartered, Tandem, TD Bank, TransferWise, Tencent, Uala, Uber, Volt, Varo, WeBank, Westpac, Xinja, 86 400.

Here are some key takeaways from the report:

• With an estimated 39 million users globally, neobanks' valuations have skyrocketed thanks to their attractive value propositions which include personal finance management features, low rates, and superior user experiences.
• But the same features that have helped neobanks catch on have pushed profitability further out of reach. Neobanks have been forced to roll out flashy features to stand out to users, and marketing these features has driven up expenses. 
• There's no universal path to profitability for neobanks — but a few major categories are emerging. Freemium pricing strategies, multitiered subscriptions, and targeting niche demographics are three strategies neobanks are employing in pursuit of profit.  
• Individual neobank landscapes vary by market, but their inherent advantages are allowing neobanks to emerge in markets globally. Regional factors have made certain markets particularly ripe, such as fintech-friendly regulations, negative consumer perceptions of incumbents, and gaps in banking services for underbanked populations. 

In full, the report:

• Sizes the neobank market by value, number of users, and number of accounts to 2024.
• Explores the factors that will propel the neobank market to new heights over the next five years, and the challenge of reaching profitability underpinning this growth.
• Highlights key players in various global markets — including Europe, North America, Latin America, Asia Pacific, and the Middle East and Africa — that are representative of the general neobank landscape and that have excelled in global footprint, features, users, or total funding raised. 
• Spotlights some of the smaller players that represent the emerging opportunity in a given market.
• Discusses how different neobanks in key global markets are prioritizing scale versus profitability, identifying best practices to emulate and pitfalls to avoid. 

Interested in getting the full report? Here's how to get access:

1. Purchase & download the full report from our research store. >>Purchase & Download Now
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4. Current subscribers can read the report here.

Join the conversation about this story »

• If you've been looking for the best undershirt for managing your sweaty pits, then the search is over.
• The American-made Thompson Tee features a unique and effective "sweat guard" design that makes it the best undershirt you can buy for protecting your nice shirts from unsightly perspiration.

If you regularly wear button-up shirts, then good undershirts are a must. Wearing an undershirt is one of the best ways to maintain and protect your nice shirts, particularly your dress shirts, from sweat and deodorant, which can discolor the fabric and wear it out over time. By creating a barrier between your sweat and the underarms of your button-up, undershirts also help to ward off the dreaded "wet pits" look.

Unfortunately, like many other everyday clothing items, a lot of guys treat undershirts as an after-thought. If you're looking for a better way to stay comfortable and protect your nice shirts, then you've found the right place. Before we get into our picks, however, here are some quick guidelines to follow when selecting an undershirt that's right for you:

• Keep it fitted. Your dress shirts should be trim, not baggy and blousy, and so it stands to reason that you don't want big, billowy undershirts, either. Many brands today are offering slimmer modern cuts for their clothing, and undershirts are no exception. Go with something more tailored or even opt for snug-fitting stretch undershirts which hug your torso like a glove.
• Avoid white. White is probably the most common color for undershirts. It's also probably the worst. We've all seen it: The guy wearing a white or blue dress shirt with his white undershirt sleeves shining through like the sun. This is because white is a high contrast color that shows up very easily under other materials. Play it safe and keep it gray. This low-contrast shade will blend in much more easily so you're not getting those unsightly "undershirt lines" under your dress shirt sleeves.
• Go with a V-neck. People have a lot of opinions about men sporting V-necks for casual wear, but for undershirts, it's pretty much a requirement – especially if you're going sans necktie, which you'll probably do fairly often. Having the top your undershirt peeking out behind your dress shirt collar screams "my mom made me wear a button-up shirt today," but a V-neck cut keeps it nicely out of view below the neckline. If you already have a bunch of crew-neck undershirts, relegate them to casual wear or toss 'em.

Keeping these guidelines in mind, we've done the research and smoked out the best undershirts for men that you can buy today. Undershirts are fairly straightforward pieces of clothing, but we've made sure that our top picks cover a range of different styles, fabrics, and price points so you can find the right one for your tastes and budget.

Here are the best men's undershirts you can buy:

• Best undershirt overall: Tommy John
• Best undershirt to avoid sweat stains: Thompson Tee
• Best multipack of undershirts: David Archy
• Best undershirt for casual wear: J. Crew

Updated on 5/4/20 by Amir Ismael. Updated prices, links, and formatting. Added Tommy John as best overall.

The best men's undershirt overall

Tommy John is unlike any other undershirt on the market — in a good way. The collar stays flat, it fits closely to your body, and never comes untucked.  

Tommy John started with the mission to bring men's undergarments into the 21st century and its undershirts are, in my opinion, the best example of how it's been able to do that.

To be completely honest, I gave up on T-shirt-style undershirts a long time ago because they're almost always ill-fitting at the collar, the sleeves become loose, and they rarely stay tucked in. To put it plainly, they look sloppy.

Tommy John's undershirts are the complete opposite. They're close-fitting, but not tight, long enough to stay comfortably tucked into your pants, and they almost disappear underneath your top layer of clothes.

While browsing, you'll find that Tommy John undershirts are available in three materials — Second Skin, Cool Cotton, and Air. I've tried all three and I can't say one is better than the other; it really depends on what you look for most in an undershirt, whether that's softness, breathability, or a lightweight feel.

I especially like Tommy John's undershirts instead of basic tank tops when I'm wearing dress shirts. They're more comfortable (which is important when you're already wearing not-so-comfortable dress clothes), they help prevent sweat stains on the armpits, and they're a lot less visible if you're wearing a white or light-colored shirt.

Read my full review on Tommy John undershirts.

Pros: Close-fitting, comfortable, different material options, stays tucked in

Cons: Expensive, can't be worn as a regular T-shirt

The best men's undershirt to avoid sweat stains

With soft and breathable natural fabric, a trim cut, an under-arm sweat guard, and all-American construction, the Thompson Tee V-neck is the last undershirt you'll ever need to buy.

Arguably the main reason to wear an undershirt is to prevent your sweaty pits from showing through your nice button-up shirt by putting a layer between your skin and your clothing. Managing sweat while looking nice is an ever-present challenge in the summer (especially in a suit), but even in the cooler months, your body can get pretty warm when you're indoors wearing long-sleeved shirts and suit jackets.

If this is a particularly big problem for you, then even a normal undershirt may not be enough. Enter the sweat guard from Thompson Tee. Its unique design is purpose-built to target the biggest problem area for perspiration, the under-arms, with a second layer that serves as a "sweat pad" to put some more material and distance between your skin and your nice shirt.

The trim cut is form-fitting and long enough to tuck, too, while the V-neck is suitably deep so it won't be peeking out from under your shirt collar.

Another thing we like about the Thompson Tee is that it's woven of soft combed cotton, with the under-arm "sweat pads" made of bamboo-derived rayon with a touch of spandex for stretch and flexibility. This is a plus, as natural fibers like cotton will almost always breathe better than synthetic fabrics like polyester and nylon.

Even better, the Thompson Tee is 100 percent made in the United States. You'll pay for it, though. The Thompson Tee undershirt rings in at around $30 on Amazon, but it's worth it. If sweat is a problem and you're looking for the "holy grail" of undershirts, then this is probably the last one you'll ever need to buy.

Pros: Made in America, woven of soft combed cotton with a bamboo-derived rayon sweat guard, the unique design is highly effective at managing under-arm sweat, it's got a great form-fitting cut

Cons: It's fairly expensive

The best men's undershirt multi-pack

If our other picks cause sticker shock, these soft, lightweight, no-nonsense undershirts from David Archy are an excellent and super-affordable alternative.

One of the general rules of menswear is to avoid synthetic fabrics. While this is good advice, it mostly applies to larger, nicer outer garments such as shirts, slacks, business suits, sweaters, and so on. For clothing items like these, synthetics are typically used to cut costs rather than for any particular qualities.

Although synthetic fabrics have a bad rap in the menswear scene, they do confer some advantages for certain pieces of clothing. Synthetics are durable, they dry quickly, and they're useful for garments where you want some stretch such as socks or athletic wear.

Modal, in particular, is a semi-synthetic fabric well-known for its softness and elasticity. Modal is actually a form of rayon, which is made from cellulose in contrast to more common polymer-based synthetics like nylon. It's also more breathable, with these characteristics combining to make it the perfect candidate for undershirts like these ones from David Archy.

David Archy undershirts are made of a soft micro-modal fabric with a touch of elastane. Micro-modal is silkier than plain modal fibers — it's even softer to the touch than cotton — and offers moisture-wicking properties that manage sweat and let it dry quickly instead of soaking up moisture. It's thin and light without being transparent, although it's best to tumble dry these and then hang them up damp to air-dry rather than drying them with heat.

The V-neck is suitably deep and the David Archy shirts are slimmer than most other multi-pack undershirts from popular brands like Hanes, the cuts of which tend to be a bit boxier than most, but these undershirts don't have much of a taper in the body. You may want to consider sizing down if you're between sizes. The sleeves are also nice and slim-fitting so you don't get a bunch of material bunching up around your arms under your dress shirt.

Pros: Made of a breathable and soft micro-modal fabric, the cut is fitted and long enough to stay tucked, and they're a solid value 

Cons: The fit is nothing special, and the micro-modal shouldn't be put in a hot dryer cycle

The best men's undershirt that you can wear casually

J. Crew's knack for classic yet modern style, great quality, and nice materials makes this heather gray V-neck T-shirt perfect for doing double-duty as an undershirt and a casual tee.

Undershirts are typically specifically designed to be worn under a collared shirt, but they're still essentially just tees. This means that, so long as it's styled right, there's no reason you can't pop on an "undershirt" with a pair of jeans for a simple casual outfit — and if you're the type that doesn't like to own a mountain of clothes, then a few good tees that can do double-duty as undershirts are nice to have in your closet.

As one of the premier brands of casual men's style, it should come as no surprise that J. Crew made it into our list. If Brooks Brothers is the king of American preppy style, then J. Crew might be the king of American casual, with its wide lineup of clothes that perfectly thread the needle between modern and classic styling.

This heather gray V-neck tee lives up to J. Crew's simple-yet-stylish design ethos. It features a tailored cut that's not baggy or restricting. It's slim enough for an undershirt and it's made of soft combed cotton.

The V-neck is deep enough that you can safely undo a button on your collared shirt, but it's not cut too low to be suitable for casual wear. It's a no-nonsense, well-made, nicely-styled staple tee that'll get a lot of play in your rotation whether you're wearing it under a dress shirt or just pairing it with jeans or chinos.

The J. Crew heather grey V-neck T-shirt rings in at around $20, which may seem slightly pricey for a single undershirt. But given that this soft and versatile shirt can also serve as one of your everyday casual tees, it's not a bad value. J. Crew regularly runs sales and offers promo codes, too, so wait for a discount and order a couple to score them even cheaper.

Pros: It's made of soft and durable combed cotton, the fit is slim enough for both casual and undershirt wear without being restricting, the V-neck is sufficiently deep for wearing under a collared shirt without being too low to wear by itself, and it's a good value (especially when on sale)

Cons: It's cut shorter in the body than dedicated undershirts

Check out our other menswear buying guides

The best suits you can buy

For your go-to workhorse suit, you simply can't beat a single-breasted, two-button classic style charcoal gray suit. The Brooks Brothers 1818 charcoal suit combines historic American-made quality with iconic English flair, and it's easily the most versatile suit you'll ever wear.

Here are our top picks for the best suits:

• Best overall: Brooks Brothers 1818 charcoal suit
• Best linen suit: J Crew cotton-linen suit
• Best wool suit: Indochino windowpane suit
• Best retro suit: Charles Tyrwhitt double-breasted suit
• Best tuxedo: Indochino Hampton tuxedo

• The 1981-1982 North Carolina Tar Heels are one of the most legendary teams in college basketball history.
• The team boasted three NBA players, including Michael Jordan, widely considered the greatest basketball player of all-time.
• While some of the players have stayed in basketball, others seemed to move on from the sport entirely.

The University of North Carolina Tar Heels men's basketball team is one of the most prestigious programs in college basketball, with six national titles.

Of all of North Carolina's title-winning teams, however, none may be more iconic than the 1982 National Championship team. Led by legendary coach Dean Smith, and with a roster boasting some of the greatest players ever — indeed, perhaps the greatest player ever — the '82 Heels won a thrilling, down-to-the-wire contest against the Georgetown Hoyas to claim the title. 

Below, we take a look at some of the key contributors to that team, as well as where they went after that iconic game.

Brandon Wiggins contributed to this report. 

James Worthy was the top player on the 1982 team, winning the National Player of the Year and Final Four Most Outstanding Player awards that year.

Worthy went on to have a Hall of Fame NBA career with the Los Angeles Lakers, retiring in 1994 with career averages of 17 points, 5 rebounds, and 3 assists per game. He currently works as a Lakers TV analyst.

Michael Jordan was a freshman on the 1982 Tar Heels team, and he played a pivotal role averaging 13.5 points per game. He also hit the game-winning shot against Georgetown in the title game.

Jordan went on to become widely regarded as the greatest basketball player of all time, winning six titles with the Chicago Bulls. After retiring in 1998 he returned to basketball first as an executive, then a player, for the Washington Wizards, before retiring for good in 2003. He is currently the owner of the Charlotte Hornets.

Sam Perkins was a sophomore and second-team All-American. He was the team's second-leading scorer and leading rebounder, averaging 14 points and 7 boards per game.

Perkins would go on to the NBA in 1984 (drafted right behind Jordan). He played in the NBA for 17 years. Since retiring, he has worked in the Indiana Pacers front office, and continues to host a basketball camp in Chapel Hill.

Sources: NBA, WTVD-TV

Jimmy Black was the starting point guard and captain as a senior for the '82 Tar Heels.

Source: New York Times 

Black never made it to the NBA but did serve as an assistant coach for several schools and later authored a book about the 1982 UNC team. He remains an avid supporter of UNC basketball, and was on hand to help present the 2017 NCAA title rings to the team this past fall.

Matt Doherty was a starting forward as a sophomore on the '82 team.

Doherty spent years as a college basketball head coach, including a stint as the head coach at North Carolina. In 2017, he was hired to be the associate commissioner for men's basketball with the Atlantic 10 conference. He's now involved in the CBD industry.

Source: Atlantic 10, The Athletic

Buzz Peterson was a freshman reserve guard on the team.

After his playing days ended, Peterson had several head coaching stints in college basketball at places like Appalachian State and Tennessee. He is now reunited with Jordan as the assistant GM of the Hornets.

Source: Charlotte Hornets

Cecil Exum was a sophomore reserve on the '82 Heels.

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After graduating from UNC, he played basketball professionally in Australia. His son Dante was an NBA lottery pick in 2014.

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Jim Braddock (not the boxer) was a junior guard who came off the bench for the 1982 Tar Heels.

Braddock was drafted to the NBA, but never played. He played overseas, then later coached high school basketball until 2009. He eventually opened up tax preparation stores and ran basketball camps.

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One of Baylor's greatest basketball players in program history - Jim Braddock and his sister Beth Warren in the house tonight at CCS #WeAreBaylorpic.twitter.com/u4nGHjnNcU

Source: Chattanooga Free Times Press

Dean Smith had been the Tar Heels coach for over 20 years by 1982, but had not won a national title. He had, however, been one of the first coaches of a southern college to desegregate his college basketball program when he recruited Charlie Scott in 1967.

Smith would coach the Tar Heels until 1997, winning another title in 1993. He passed away following a long battle with Alzheimer's Disease in 2015.

Roy Williams was an assistant coach on the 1982 Tar Heels team.

Williams became the head coach of the Kansas Jayhawks in 1988, and remained there until his return to North Carolina in 2003 to become the Tar Heels' head coach. He has won three national championships with UNC.

Bill Guthridge was Dean Smith's top assistant coach for the 1982 team, having first joined Smith's staff in 1967.

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Guthridge would remain Smith's assistant until 1997, when he became the Tar Heels head coach after the Smith retired. Guthridge would leave UNC to two Final Fours in three seasons before retiring himself in 2000. He passed away in 2015.

Source: UNC Athletics

Now, take a look at what happened to some iconic Olympic venues after the games...

What abandoned Olympic venues from around the world look like today >

• Sun Country Airlines CEO Jude Bricker recently partnered with Amazon to begin cargo flying under the Amazon Air brand.
• The partnership was announced in December, just a month before the novel coronavirus was widely known.
• As the demand for passenger flying sank and cargo flying grew, Bricker's decision appeared to come at a perfect time and may prove to be the airline's saving grace.
• Visit Business Insider's homepage for more stories.

Jude Bricker took over as chief executive at Sun Country Airlines in 2017 and during his tenure, he's overseen some monumental shifts at the airline. The past few years have seen the former full-service Minnesota leisure airline transform into a nationwide low-cost carrier, expanding as far as Hawaii while completely restructuring the customer experience. 

The transition to low-cost spearheaded by the former Allegiant Air executive was intended to be the company's way forward after being purchased by Apollo Global Management. A lesser-known decision with an unlikely ally announced in December 2019, however, ended up proving to be more impactful on Sun Country's future as the subsequent months would see its core business decimated by the virus.

Just a few months before the airline industry collapsed, Sun Country and Amazon had entered into a partnership that would see the former fly under the Amazon Air brand, transporting packages around the country on behalf of the e-commerce giant. Amazon started its own air cargo operations in 2016 as its business expanded with the introduction of Amazon Prime.

Amazon doesn't directly operate the blue, white, and gray freighters with "Prime" emblazoned across the side. Instead, it relies on subcontractors like Atlas Air, Southern Air, and now, Sun Country Air. 

Bricker told Business Insider just how the decision is helping Sun Country, one of the smallest of America's major airlines, survive the pandemic.

SEE ALSO: Airbus just beat Boeing to be the first to complete a wholly automated air-to-air refueling operation

DON'T MISS: Boeing's massive oversized cargo plane just flew its first COVID-19 mission from Hong Kong to South Carolina. Take a look at the 'Dreamlifter.'

Newly transitioned low-cost carrier Sun Country Airlines announced a partnership with Amazon Air for cargo operations in December 2019, greatly expanded the cargo division of the historically passenger-focused airline.

Source: Sun Country Airlines

While most passenger airlines fly independent cargo in the underbelly of their aircraft, very few in the US have a dedicated cargo fleet. The practice is more common with foreign airlines as cargo flying is highly lucrative.

Alaska Airlines is the only other US passenger airline in the US to operate dedicated cargo planes alongside its passenger fleet.

The move diversified Sun Country's business even more, with the airline also maintaining a charter division that primarily transported sports teams and casino patrons. The airline flew the US women's national soccer team from Newark to Los Angeles after their return from the Women's World Cup in Lyon, France to attend the ESPYs.

While Amazon Air already had an extensive fleet of wide-body jets in its line-up that consisted primarily of the Boeing 767 family...

It sought to expand with a smaller, narrow-body freighter, the Boeing 737-800BCF.

While Amazon owns the aircraft, they're sub-leased to various contractors including cargo giant Atlas Air.

Southern Air also currently operates five 737s for Amazon and Sun Country, an all-Boeing 737 operator, was later chosen by the aviation wing of the e-retailer to operate an additional 10.

Source: Air Cargo News

As the passenger and cargo variants of the 737 have identical cockpit setups, Sun Country pilots would have to go through minimal additional training before flying the Amazon-branded planes.

Instead of a passenger cabin, the 737 freighters would dual-level cargo holds. Here's the main hold for larger containers.

Freight is loaded through an oversized cargo door on the aircraft's main level.

It was a match made in heaven and it soon became clear that the move was going to benefit Sun Country in ways that Bricker never could've predicted when he inked the deal.

Industry analyst Henry Harteveldt later described the decision by Sun Country as a "stroke of genius" in a discussion with Business Insider at the onset of the pandemic's effect on the US aviation industry.

Sun Country only began flying for Amazon in early May with one plane as it awaits the remaining aircraft but is already anticipating cargo flying to be a large part of its business moving forward while the passenger segment recovers.

Source: FlightAware and Planespotters.net

"And at the end of [2019], we expected it to be about a third of what we did, quickly becoming a smaller and smaller portion of what we did as we continue to ramp [up the] passenger service segment," Bricker explained. "Probably in July, it's going to be a much more substantial part of our flying and we're trying to meet the demand there with adding the airplanes as quickly as we can. That'll support that segment of our business."

As one of the smaller US airlines in the midst of a pandemic, Sun Country would have been extremely vulnerable to the sudden loss of passenger traffic had it not had the newly-expanded cargo segment to fall back on in the short-term.

Bricker admitted that passenger traffic will likely not return to 2019 levels until the end of 2021 at the earliest but believes that his airline, as a primarily domestic carrier, will be able to recover quicker than others.

Read More: Why an airline CEO thinks Hawaii is poised for a major tourism boom after the pandemic, but his won't be part of it

For now, all Bricker can do is await the rest of his new blue, white, and grey Boeing 737 freighters so he can launch another new chapter for Minnesota's hometown airline.

The start of Sun Country's cargo operation comes just when demand for the service is at an all-time high.

Source: Sun Country Airlines

The loss of airliners on most routes has restricted cargo availability, resulting in increased transit times and a premium on cargo flying.

Read More: Big airlines are flying 'ghost planes' stuffed with packages now that the demand for passenger flights has cratered

The big four US airlines - American, Delta, Southwest, and United- have all begun flying cargo-only flights to bring in some revenue as passenger sales have plummeted.

Read More: Inside the massive effort by US airlines to transport medical supplies and mail on cargo-only flights using passenger jets

Some airlines, like Air Canada, have gone as far as to clear out passenger cabins to fly freight on its largest jets.

Read More: Air Canada is ripping seats out of aircraft across its fleet to turn them into cargo planes. See inside the new Boeing 777 and Dash 8-400 temporary conversions.

For Sun Country, there's no better time for it to enter the cargo realm than now.

• Florida, Georgia, and South Carolina — which all issued statewide stay-at-home-orders in April — were the first states that shut down their economies to begin reopening parts of them.
• Other states have joined them in relaxing stay-at-home orders, including Colorado, Oklahoma, Montana, Mississippi, Indiana, and Alaska.
• The US is seeing sustained plateaus of coronavirus cases, but more Americans are dying from COVID-19 per week than from any other common cause of death.
• While reopening the economy won't be a one-size-fits-all approach, many other states' guidelines for reopening agree that a state needs to see a declining number of cases for at least two weeks — a threshold no states have hit yet.
• Visit Business Insider's homepage for more stories.

Around 95% of Americans were under lockdown in April to help curb the spread of the coronavirus. And it was working, as the US began seeing sustained declining plateaus of new cases.

But as federal social distancing guidelines expired at the end of April, more than half of US states began reopening.

Now, there are already talks of relieving the economic pain brought on by the lockdown — but reopening the economy might look different for every state and is likely to be done in phases.

That's because reopening plans are dependent on various factors, like controlling the rate of infections and hospitalizations, making testing and contact tracing more widespread, making sure healthcare facilities are properly equipped to handle another resurgence, and employing social distancing practices in the workplace.

Several reopening plans, such as those laid out by the Trump administration and by researchers with Johns Hopkins Center for Health Security, said that a state should see a declining number of new cases for at least two weeks before reopening. It's a threshold that no state has hit yet, reported Business Insider's Lydia Ramsey.

Some states are already making moves to begin reopening parts of their economies, even as more Americans die from COVID-19 per week than from any other common cause of death, according to data analysis by Business Insider. Some of these states (Georgia, Florida, and South Carolina), were among the last to issue stay-at-home orders, doing so in April after many other states already had in March.

In fact, in several of the states that have begun to reopen, the number of new cases of COVID-19 seem to still be steadily rising. Where most cases early in the outbreak were reported primarily in urban areas like New York and Seattle, recent analysis from the Kaiser Family Foundation indicates that from April 13 to April 27, rural counties saw an average 125% increase in new coronavirus infections, leaping from 51 to 115 new cases per 100,000 people.

After initially reopening his state, Mississippi Gov. Tate Reeves slowed his 'back to normal' plans on May 1 when the state reported 397 new cases and 20 new deaths that day, its highest daily numbers to date.

On May 7, the Associated Press reported that the Trump administration had halted the publication of new CDC research and safety guidelines for states attempting to reopen their economies, regarding how local schools, places of worship, restaurants, and health facilities should handle social distancing. The document was pulled because of the Trump administration's ongoing preference that states assume the responsibility to determine their own reopening requirements, and that the federal government should be the "last resort" for states that need coronavirus testing support, per the AP.

Here are the states beginning to reopen their economies.

SEE ALSO: Meet Ron DeSantis, the Florida governor who just issued a stay-at-home order for his state and was heavily criticized for leaving beaches open to spring breakers in March

DON'T MISS: Florida's spring break problem shows a political pandemic divide: Red and blue states are treating coronavirus differently

Alabama's Gov. Kay Ivey lifted the state's stay-at-home just 26 days after it began, and reopened beaches and retail stores.

Alabama had one of the shortest-lived stay-at-home orders, which began on April 4 and ended on April 30. Now, retail stores may operate at 50% capacity and beachgoers must stay 6 feet apart. Hair and beauty salons remain closed, and restaurants are restricted to takeout only.

Alaska Gov. Mike Dunleavy permitted some restaurants and nonessential services to begin reopening on April 24, with certain restrictions.

Alaska Gov. Mike Dunleavy allowed some restaurants and nonessential services to reopen for business, with certain restrictions. Open restaurants must take reservations and refuse walk-ins, they can be filled to only 25% capacity at one time, customers must either dine alone or with members of their household (meeting up with friends is not allowed), and restaurants must provide hand sanitizer for guests to use. Also, restaurant employees must wear protective face masks while working.

Governor Dunleavy also eased restrictions on public gatherings, saying that they can include people from different households, as long as individuals stay six feet apart. If you plan on singing or projecting your voice, however, the minimum distance apart is 10 feet.

Colorado Gov. Jared Polis initiated a new 'safer at home' order on April 27, allowing elective medical procedures to resume and curbside delivery options for retail stores.

Colorado's stay-at-home order expired on April 26, replaced by a "safer-at-home" policy that permitted some businesses to open their doors. Childcare facilities could reopen under certain safety measures, including keeping rooms to less than 10 children, staggering meal times, and frequently sanitizing common areas. Some retail stores and beauty salons began reopening on May 1, allowed to operate at 50% capacity.

Gyms and nightlife destinations remain closed, however, and restaurants are still restricted to take-out service. Schools will remain remote for the rest of the semester. 

Florida Gov. Ron DeSantis' stay-at-home order expired April 30, and he allowed some beaches in northern Florida to reopen as early as April 17.

On Friday, April 17, Florida Gov. Ron DeSantis allowed some beaches in northern Florida to reopen, The Associated Press reported, even though the state has continued to see an increase in coronavirus cases.

DeSantis had initially left it up to local officials to close their beaches and other establishments, receiving backlash for crowded beaches swarming with spring breakers. He finally issued a statewide stay-at-home order on April 1. Since then, he has deemed the WWE Performance Center in Orlando to be an essential business and has refused to ban church services.

In a press conference, he said that some counties could start reopening their beaches if they wanted to, adding that it was important for people to get fresh air, the AP reported. "Do it in a good way," DeSantis said. "Do it in a safe way."

Gatherings of 50 or more people are still banned, and people are encouraged to socially distance on the beach as they exercise or do activities like surfing, reported Business Insider's Dominic-Madori Davis. But photos showed hundreds of locals flooding Jacksonville Beach, apparently without adhering to social distancing guidelines.

Georgia Gov. Brian Kemp allowed many businesses, including gyms and movie theaters, to reopen in phases beginning in April.

Georgia Gov. Brian Kemp allowed businesses to begin reopening in phases over the weekend, he said during a news conference on Monday, April 20.

Gyms, hair salons, barbershops, fitness centers, and massage-therapy centers were allowed to reopen on April 24, as long as they follow social distancing and "regular sanitation,"reported Business Insider's Jake Lahut. On Monday, restaurants, private social clubs, and movie theaters could also reopen. But bars, night clubs, amusement parks, and other businesses will remain closed pending further advice from public-health experts.

Kemp didn't give much specific detail, but said businesses should "adhere to the minimum basic operations."

Kemp said Georgia's rate of new infections had flattened. In response to backlash about the decision, Kemp told Fox News that "it's a tough balance."

"We are talking about a few businesses that I closed down to help flatten the curve, which we have done in our state," he said. "But for us to continue to ask them to do that while they lose everything, quite honestly, there are a lot of civil repercussions of that, mental health issues. We are seeing more patients in our trauma centers in our state."

But both President Donald Trump and local mayors have criticized the decision. "I told the governor of Georgia, Brian Kemp, that I disagree strongly with his decision to open certain facilities,"Trump said on April 22.

His directive also "directive explicitly supersedes all local orders,"The Washington Post's James Hohmann reported. As a result, he wrote, Georgia city mayors are worried he's jeopardizing their citizen's health.

"There is nothing essential about going to a bowling alley or getting a manicure in the middle of a pandemic," Atlanta mayor Keisha Bottoms said on ABC News' "Good Morning America."

Kemp didn't issue a statewide stay-at-home order until April 3, saying during a press conference at the time that a key part of his decision was that "we didn't know ... until the last 24 hours" that asymptomatic carriers of the coronavirus could infect other people.

Idaho Gov. Brad Little initiated a four-phase process to reopen the state, beginning May 1.

Idaho's stay-at-home order also expired on April 30, and Gov. Little enacted a four-stage reopening plan over the months of May and June. The first stage began on May 1 and allowed daycares, childcare centers, summer camps, and places of worship to reopen. Other nonessential business may begin reopening during the second phase, which starts May 16.

Indiana Gov. Eric Holcomb's stay-at-home order expired on May 1, and a partial reopening began May 4.

Gov. Eric Holcomb rolled out a multi-phase plan that involves different reopening dates for different counties. Retail businesses and restaurants may operate at 50% capacity, and personal services salons may see customers by appointment only. Office workers can return to work in small or staggered groups.

Iowa Gov. Kim Reynolds allowed gyms, libraries, and other venues to reopen in certain regions on May 1.

Gov. Kim Reynolds extended the state's emergency declaration until May 27, but allowed businesses (including restaurants, gyms, libraries, and indoor malls) to reopen in select counties beginning May 1, under social distancing restrictions.

Kansas Gov. Laura Kelly began to lift the state's lockdown measures on May 4.

Kelly's "Ad Astra" plan breaks the reopening into three phases, which allowed some businesses to reopen May 4 as long as social distancing measures were in place, and crowds were limited to no more than 10 people. 

The initial phase will last 14 days. Bars, casinos, fitness centers, museums, hair salons, and swimming pools will remain closed, and large community events will remain prohibited. 

Phase two of the plan will start no earlier than May 18 and will allow childcare facilities, libraries and some organized sports facilities to reopen.

Maine Gov. Janet Mills extended a new 'safer at home' order through May 31, but allowed some businesses to reopen on May 1.

Beginning May 1, residents of Maine were able to resume hunting and fishing, go to drive-in movie theaters, get car washes, and visit beauty salons, under set social distancing restrictions.

Minnesota Gov. Tim Walz extended the state's stay-at-home order until May 18, but allowed certain nonessential businesses to begin reopening on May 4.

Retail locations that can offer curbside pickup may do so, but services-based companies like beauty salons must remained closed.

Mississippi Gov. Tate Reeves began easing restrictions on April 27, but backtracked the reopening after COVID-19 cases spiked in the state on May 1.

Restaurants and some retail stores began reopening on April 27 in Mississippi, and were told to operate at 50% capacity and maintain six feet of space between customers, while tattoo parlors, beauty salons, and gyms to remain closed. However, when the state's infections and death count reached a new high on May 1, Governor Reeves decided to put additional reopening on hold.

Missouri's stay-at-home order expired May 3, and Gov. Mike Parson has since reopened restaurants and stadiums.

Gov. Mike Parson allowed the reopening of movie theatres, sports stadiums, and other large venues, encouraging patrons to maintain social distancing regulations. Retail spaces are restricted to maintaining customers at 25% capacity.

Montana Gov. Steve Bullock allowed select retail businesses to reopen on April 27, and restaurants and bars to resume dine-in service on May 4.

Places of worship were permitted to open on April 26, and told to avoid gatherings of more than 10 people that make social distancing difficult. Restaurants, bars, distilleries, and breweries were allowed to reopen on May 4 if they adhere to social distancing guidelines. 

Businesses where sanitation and social distancing is less possible, such as gyms, music venues, movie theaters, and bowling alleys, were to remain closed.

Nebraska never had a stay-at-home order, and on May 4, Gov. Pete Ricketts eased restrictions to allow personal services businesses to reopen.

As of May 4, Gov. Pete Ricketts allowed dine-in restaurants to operate at 50% capacity. Beauty parlors and tattoo shops may also open, with a limit of serving 10 customers at one time. 

Nevada's stay-at-home order is in effect until May 15, but Gov. Steve Sisolak allowed all retail businesses to operate via 'curbside pickup' beginning May 1.

In Nevada, all retail stores can now operate under the restaurant curbside takeout order, and people can engage in outdoor activities such as golf and tennis, as long as they do so "in a way that prevents the spread of COVID-19."

New York Gov. Andrew Cuomo said certain areas upstate (not New York City) may be able to partially reopen beginning May 15.

Gov. Cuomo has placed some of the heaviest restrictions in the country on New York state, and has been hesitant to lift any so far. He is closely adhering to guidelines set by the CDC, requiring officials to show a steady, continual decline in new coronavirus infections in their area over a two-week period before considering reopening nonessential businesses. 

Regions in New York that do meet this criteria by May 15 and are permitted to reopen will have to follow strict sanitary and social distancing precautions. While the infection rates in upstate areas may be more promising, Cuomo said that "unless a miracle happens," it's highly unlikely that New York City or nearby counties downstate will be able to anytime soon. 

North Dakota never had a statewide mandatory stay-at-home order, and Gov. Doug Burgum invited most businesses to reopen when they want to beginning May 1.

North Dakota Gov. Doug Burgum placed restrictions on schools, gyms, dine-in restaurants and bars, and movie theaters in early April through the end of the month. Other businesses which weren't told to close were welcome to reopen at any time, the governor said.

Ohio Gov. Mike DeWine initiated a multi-phase reopening plan to begin May 1, with veterinarians and dentists allowed to return to work.

In Ohio, medical procedures, dental offices, and vet clinics were allowed to reopen on May 1. Later in the month, on May 12, retail stores can reopen with certain restrictions. Gov. DeWine has yet to say when beauty salons or dine-in restaurants will be able to welcome customers again.

Oklahoma Gov. Kevin Stitt began a three-phase plan on April 24, and allowed personal care services such as spas, nail and hair salons, and pet groomers to reopen.

Under relaxed guidelines in Oklahoma for personal care businesses, customers must make appointments ahead of time and the business should maintain social distancing protocols as much as possible by staggering appointment times. 

Entertainment facilities including movie theaters, sports venues, gyms, and dine-in restaurants reopened on May 1, with state guidelines saying that it's up to the businesses to "ensure that customers and employees are maintaining 6 feet of social distancing."

South Carolina Gov. Henry McMaster opened up beaches and some businesses previously deemed nonessential on April 21.

South Carolina was one of the last to issue a statewide stay-at-home order from all the states that issued such orders, doing so on April 7.

On April 20, Gov. McMaster said that department stores and some other businesses previously deemed nonessential would be allowed to reopen if they abided by social distancing guidelines. That includes clothing stores, furniture stores, and florist shops, reported Josiah Bates for Time.

"We are still in a very serious situation … we must be sure that we continue to be strict and disciplined with our social distancing," McMaster said in a press conference. "Our goal was to cause the most damage possible to the virus, while doing the least possible damage to our businesses. South Carolina's business is business."

South Dakota never had a stay-at-home order, and Gov. Kristi Noem began encouraging a 'back to normal' approach in late April.

Gov. Noem encouraged local people and businesses to resume activities, but also to be careful and maintain social distancing as much as possible. When asked about potential surges of COVID-19 infections, Gov. Noem said she will handle those locally as they come.

Tennessee Gov. Bill Lee allowed restaurants to resume dine-in operations on April 27, and retail stores reopened on April 29.

In Tennessee, gyms were allowed to reopen on May 1 under rules to operate at 50% capacity and maintain a clean and sanitized environment. Reopened restaurants must also follow additional restrictions, including using disposable menus, limiting each table to six customers, and eliminating shared condiment stations. 

Texas Gov. Greg Abbott allowed restaurants and movie theaters to begin operating on May 1, at 25% capacity.

Malls, retailers, and dine-in restaurants reopened in Texas on May 1 at reduced capacity. Curbside delivery and to-go service has already been permitted at certain eateries since since April 27. Gyms, bars, and salons remain closed. 

On May 1, Gov. Greg Abbott concurred with the dangers of reopening the state on a private phone call with members of the state legislature and Congress, according to an audio recording obtained by local Texas political site Quorum Report. He had publicly acknowledged the week earlier that "It's only logical to see there would be an increase and the number of people that test positive."

Utah Gov. Gary Herbert never enacted a stay-at-home order, and eased other restrictions starting May 1.

Dine-in restaurants, public parks, and gyms reopened in Utah on May 1, and Gov. Gary Herbert increased limits on public gatherings from 10 people to 20 people, provided they adhere to social distancing protocols. Schools, however, remain closed.

Vermont's stay-at-home order is in effect through May 15, but Gov. Phil Scott allowed certain businesses to reopen on April 27.

Governor Phil Scott allowed"outdoor retail spaces" to return to in-person shopping on April 27, with a restriction of 10 shoppers at one time. Outdoor farmers markets also reopened on May 1, under rules to "transition away from shopping and social events, to primarily a food distribution system."

West Virginia Gov. Jim Justice's new 'safer at home' order began on May 4, and allowed restaurants to open for outdoor dining.

Beginning May 4, hair salons, barbershops, and pet groomer were allowed to resume operations, and must maintain social distancing and proper sanitation between customers. 

Wyoming Gov. Mark Gordon had never put in place a stay-at-home order, and he began lifting other restrictions May 1.

On May 1, Gov. Gordon allowed the reopening of gyms, beauty salons, barber shops, massage parlors, and tattoo shops, among other personal service businesses.

Other states are slated to partially reopen later in May, including New Jersey, Arkansas, North Carolina, and Pennsylvania.

• California Senator Kamala Harris and Massachusetts Congresswoman Ayanna Pressley have proposed a $125 billion program to support small businesses with fewer than 10 employees.
• The Saving Our Street bill provides special consideration for minority-owned small businesses, many of whom are being left out of the $670 billion Payroll Protection Program.
• In addition, since many business owners cannot afford to take on new debt, the plan from Harris and Pressley would provide grants (instead of loans) of up to $250,000.
• Visit BI Prime for more stories.

As the $670 billion Payroll Protection Program continues to process thousands of applications per day, many of the most vulnerable businesses are still being left out.

What's more, the lack of clarity about the PPP's forgiveness terms has many business owners concerned about using any of the loan proceeds, since they cannot afford to take on any new debt whatsoever. The main concerns voiced among PPP recipients is how to use the required 75% of the funds on payroll within two weeks, during which time most are shut down, in order to qualify for forgiveness.

In response, Senator Kamala Harris and Massachusetts Congresswoman Ayanna Pressley on Wednesday offered a $125 billion plan to establish a "Microbusiness Assistance Fund" to provide grants up to $250,000 to America's smallest businesses.

The Saving Our Street bill provides special consideration for minority-owned small businesses, many of whom are being left out of the current small business relief effort.

As the bi-partisan spirit that propelled the passage of the CARES Act seems to wane on Capitol Hill, the odds of the SOS bill passing could be diminished.

Nevertheless, the bill appears to do a better job targeting the businesses who need the most help navigating the coronavirus recession than the flagship PPP loans.

Here are the most important parts of the proposal.

How big is a 'microbusiness'?

The bill defines eligible businesses as having less than $1 million in revenues and fewer than 10 employees, though businesses in low-income communities may have up to 20 workers. Non-profits are also eligible, but are capped at $500,000 in gross receipts.

Hedge funds, private equity firms, and publicly traded companies may not participate, and applicants must show a 20 percent loss of income during the coronavirus pandemic in order to be eligible for funding.

Who gets priority?

Research from the Center for Responsible Lending shows that PPP loans are not helping minority entrepreneurs. By contrast, this bill sets aside 75% of funds — more than $93 billion — for historically underrepresented businesses.

Who counts as a worker?

The SOS proposal is more lenient than the PPP about who businesses can classify as a worker. In this case a business owner can count full-time, part-time, and independent contractors toward their grant request.

What must the money be used for?

Grant funds may be used only to pay off new debts incurred during the coronavirus pandemic, or to cover wages, benefits, and paid leave in order to retain or re-hire workers during the economic slowdown.

Is a grant recipient eligible for other assistance?

Businesses can get other emergency loans, as long as the additional funds are not used for the same purpose as the SOS grant, i.e. for payroll. At the moment, PPP loans are only forgivable if used on payroll, but new guidance is expected soon.

SEE ALSO: Use this guide to check if your company is a 'small business' so you can qualify for crucial loans and grants to survive the coronavirus recession

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NOW WATCH: Why electric planes haven't taken off yet

• Shopify CEO Tobi Lutke said during Wednesday's earnings call that the retail industry is seeing accelerated growth and increased demand that were expected in 2030.
• That's causing every e-commerce software to appear 10 years behind, he said.
• To keep up with demand, Lutke said he told his team early in the COVID-19 crisis to "delete" all existing plans and "re-derive them from this new reality."
• His quick response appears to be paying off as Shopify's first-quarter sales exceeded Street expectations, driving up the company's stock by almost 7%.
• Visit Business Insider's homepage for more stories.

The coronavirus outbreak is accelerating the growth of e-commerce, bringing changes that were expected in 2030 to today's market, according to Shopify CEO Tobi Lutke.

That's a huge opportunity for a company like Shopify, which sells the software tools needed to open online shopping sites across multiple channels. But it's also causing e-commerce software to appear 10 years behind the current market needs, Lutke said during Wednesday's earnings call.

"Everyone now has a 2020 quality software in a basically 2030 world," Lutke said. "So everyone's software just got 10 years worse, given the requirements and the needs by the customers."

Lutke said he told his team early in the coronavirus pandemic to "delete" all existing plans and "re-derive them from this new reality." He lowered the minimum bar for shipping updates in its software — without sacrificing the quality — so the company could move faster and meet the demand for new features, like curbside pickups.

"Everyone has to make up this gap," Lutke said. "This is why you see Shopify shipping a lot right now."

Shopify's quick response to the pandemic seems to be paying off. In the first quarter, Shopify's revenue jumped 47% to $470 million, far exceeding Wall Street expectations. The total value of goods sold on its platform also increased 46% to $17.4 billion from the year-ago period. While its operating loss more than doubled from last year, investors remained bullish, pushing its stock up roughly 7% in after-hours trading.

Shopify is one of the most popular stocks on Wall Street, growing more than 180% in value over the past year to $85 billion.

Staying current

During the call, Lutke encouraged people to try using software that was released in 2010, without the updates, to make his point about today's software feeling outdated. In fact, Lutke says staying up to date with current trends has been one of the biggest concerns for Shopify, which first launched in 2006. That, he said, is now proving to be a huge competitive advantage because some of the older software makers are now falling behind even more due to COVID-19.

"That gap just got significantly bigger for many companies that have already set on fairly outdated software," Lutke said.

Here is Lutke's full comment provided by financial research firm Sentieo:

"Yes. I think that's exactly what we're seeing. I really believe that when it comes to the retail industry, like maybe it's not 10 years, but it's -- we've just jumped a lot of years in the future. And I think one really important part about this is, I think it's really worth for everyone to try to use software that was released in 2010 without any updating and patches. It's one of those kind of experiences to say, "Hey, I remember using this, and I remember really, really liking this back then." 

But now it seems they're old and somehow not appropriate anymore to what I would expect of this particular category of software. So this is really hard to explain [indiscernible] that exists on the Internet, where people can just sort of intuitively tell that the product is kind of made for the current times or not, and if it fits the current times and uses sort of capabilities that people make assumptions about. 

One of my chief concerns of Shopify has always been to — because Shopify is a software that first launched in 2006 — to never make it not fit into the current times. And that's actually a significantly harder job than it might sound. And again, this, I think, like the massive jump ahead right now, everyone now has a 2020 quality software in a basically 2030 world. So everyone's software just got 10 years worse, given the requirements and the needs by the customers. 

And so everyone has to make up this gap. But we have to -- this is why you see Shopify shipping a lot right now. I have intentionally asked the company very early in this crisis to, like, delete all our existing plans and re-derive them from this new reality. I've asked the company to lower its minimum, except the quality bar, to shipping because something has to become variable because there's only 24 hours in the day, so that we can launch things. And so we are trying to move ahead because there is this massive vacuum that exists and the gap to compare to quality, especially you see this around curbside pickups. 

And like this is speaking from a perspective of, I think, we're one company, which actually had a 2020 quality solution for the retail space in the market. I don't think anyone really had, so that gap just got significantly bigger for many companies that have already set on fairly outdated software. And I think this is driving a lot more adoption, right, because I mean, Shopify is very good, like this could be massively better suddenly. It's been almost every other meeting I have about some way, how we can make it significantly better. But I think all things considered, it works really well. It fits itself really well. I mean some of the things in the press release you might have seen, like that -- like based on our particular view in a lot of retail, while 70% of retail sales might have disappeared, the businesses -- the retails that we're ready with an online channel at the same time managed to replace up -- like up to 94% of their sales through the online channel. 

Now imagine the vacuums that exist with all the businesses that they're only available to retail, like this is now a huge driver of opportunity for the challenger brands, and it's an imperative that people who aren't prepared to jump into the opportunity. So I think there's also lots of effects that are going on right now where that's important to understand. It's in no way easy to kind of understand what exactly are the cause and effect here, like this is like a very complex chaotic system right now that — in which a lot of people from rural farmers all the way to Fortune 50 companies find utility in this thing we built."

SEE ALSO: Leaked emails show Amazon's drone delivery team is manufacturing face shields for COVID-19 and crowdsourcing employee ideas to improve warehouse safety

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NOW WATCH: Why thoroughbred horse semen is the world's most expensive liquid

• Elon Musk says he sympathizes with "anti-globalization people" because "there's not enough isolation between countries or regions" online. 
• A "mind virus" in the "meme sphere" could spread online rapidly, Musk said on Joe Rogan's podcast. 
• "We need some kind of mind viral immunity," Musk said. 
• Visit Business Insider's homepage for more stories.

As the coronavirus spreads across the world and exposes people to the harsh reality of an interconnected world, Elon Musk says we need to protect ourselves against another type of virus: a "mind virus." 

Speaking on Joe Rogan's podcast released on Thursday, Musk said he sympathizes with "anti-globalization people"— but not because of trade policy, nationalism, or isolationism. 

"There's not enough isolation between countries or regions" online, which could cause a "mind virus" to spread throughout the world, he said. 

In the "meme sphere," Musk said, "a concept that infects people's minds" could spread easily, as people are connected online through social media and other platforms. 

Misinformation and manipulation have become issues of concern for many on social media, as a video, post, or meme can spread around the world almost instantaneously. Megan Lamberth and Chris Estep of the Center for a New American Security argued in a recent opinion article for Business Insider that in addition to flattening the coronavirus curve, we need to flatten the misinformation curve, too. 

"We need some kind of mind viral immunity," Musk said, to protect against a "wrongheaded idea that goes viral." 

Rogan first interpreted Musk's comments as a possible virus that could spread through physical technology, but Musk clarified that he's concerned an infectious idea, a cult-like way of thinking, could spread. 

Musk is known for his often strange and provocative statements, such as his comments that we are likely living in a simulation. 

Watch the full interview with Musk here:

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