June 1, 2016

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Tyler Perry's 'Ninja Turtles' Mad Scientist Was Inspired by Neil deGrasse Tyson

If you feel a twinge of familiarity while watching Tyler Perry ham it up as mad scientist Baxter Stockman in Teenage Mutant Ninja Turtles: Out of the Shadows, that’s because he may remind you of another very real scientist, Neil deGrasse Tyson.

Granted, Stockman is way off his rocker, which makes him a great villain for the Ninja Turtles and one of the reasons he’s appeared in everything from the comics to the animated series. And though Neil deGrasse Tyson is not a complete lunatic (we think), Perry tells Fandango that the famous scientist most certainly inspired him.

“He was a bit of my muse, I will tell you that much,” Perry reveals. “[Tyson] is nowhere near this insane, diabolical madman I was doing, but he was definitely my muse as far as the brilliance of the man.”

Watch Fandango’s Teenage Mutant Ninja Turtles: Out of the Shadows interviews below for more.

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Baxter Stockman briefly appears in the 2014 Ninja Turtles movie, but he’s given a much bigger role here, with Perry putting his all into the scientist’s wacky demeanor in a plot that sees him teaming with Shredder to open a portal so the villainous Kraang can come through and wreak havoc.

Let’s just hope the real-life deGrasse Tyson never joins forces with a supervillain cause the results may not be too favorable for mankind. Teenage Mutant Ninja Turtles: Out of the Shadows hits theaters June 3.

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New Rules To Ban Payday Lending 'Debt Traps'

A payday lender ACE Cash Express is seen on San Mateo Boulevard in Albuquerque, N.M. High-interest lending practices are being targeted by new federal regulations.

A payday lender ACE Cash Express is seen on San Mateo Boulevard in Albuquerque, N.M. High-interest lending practices are being targeted by new federal regulations. Vik Jolly/AP hide caption

toggle caption Vik Jolly/AP

The Consumer Financial Protection Bureau on Thursday is proposing new regulations to protect consumers from predatory lending practices that the CFPB’s top regulator calls “debt traps.”

Americans are being “set up to fail” by payday and auto-title lenders, Richard Cordray, the director of the Consumer Financial Protection Bureau, tells NPR.

Consumer Financial Protection Bureau Director Richard Cordray, center, listens to comments during a field hearing on payday lending in Richmond, Va., in May.

Consumer Financial Protection Bureau Director Richard Cordray, center, listens to comments during a field hearing on payday lending in Richmond, Va., in May. Steve Helber/AP hide caption

toggle caption Steve Helber/AP

“The way these products are structured, it’s very difficult to repay the loan and therefore people end up borrowing again and again and paying far more in fees and interest than they borrowed in the first place,” Cordray says.

Under the proposed rule, so-called “payday,” “auto-title,” and other short-term lenders would be required to determine that people they loan money to can afford the payments and fees when they come due, and still meet basic living expenses and major financial obligations.

With interest rates of 300 percent and higher, these lenders have fallen under greater scrutiny at both the state and federal level. In March of last year, President Obama said he supported tougher regulations for payday lenders who profit by charging borrowers super-high interest rates. “If you’re making that profit by trapping hard-working Americans in a vicious cycle of debt, you’ve got to find a new business model,” the president said.

Payday Loans: A Helping Hand Or Predatory Quicksand?

Let’s say a low-wage worker’s car breaks down. She has to get to work and take her kids to school. But she has bad credit, no credit cards, and no way to pay for the car repair. A payday lender might in effect say, “No problem I’ll give you the money you need right now to get your car fixed, and you give me your bank account number and when you get paid in 2 weeks I’ll withdraw the money you owe me from your checking account.”

The industry says these loans are needed to help working Americans through a cash squeeze and that the new regulations are unwarranted. “The CFPB’s proposed rule presents a staggering blow to consumers as it will cut off access to credit for millions of Americans who use small-dollar loans to manage a budget shortfall or unexpected expense,” says Dennis Shaul, CEO of the payday lending industry group, the Community Financial Services Association.

But regulators say the problem is that the terms are so onerous that many borrowers can’t afford to pay the loans back and still have enough for their rent and other essentials. And so they end up taking out another loan, and then another loan after that, again and again for months or sometimes years sinking deeper into a quagmire.

Cordray says with these loans consumers think they are getting into a one-time loan but they get “trapped” by this cycle. He says it is like, “getting in a taxi just to drive across town and you find yourself in cross country journey that can be ruinously expensive.”

The CFPB studied the payday lending industry before crafting the proposed rule and found that 4 out of 5 of these single-payment loans are reborrowed within a month. In the case of auto-title loans where borrowers put their cars up as collateral, 1 in 5 borrowers end up having their car or truck seized by the lender for failure to repay.

Consumer Groups Applaud The Rule But Wary of Loopholes

Watchdog groups for decades have been critical of payday lenders. “The lesson from the last 20 years since this industry started is that it’s been remarkably effective at evading attempts at regulation and using a very high-powered lobbying machine to push for loopholes,” says Mike Calhoun, the president of the Center for Responsible Lending.

Calhoun says he supports the proposed rule from the CFPB, but he’s still concerned the industry will find a way to work around it.

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PGA Tour Leaving Trump's Doral Golf Course For Mexico City

Donald Trump says the PGA Tour is leaving Miami’s Doral golf course after 54 years and taking the tournament to a new site in Mexico City. The Tour began to distance itself from Trump last year after his comments about excluding Muslims from immigrating to the U.S.

Transcript

ARI SHAPIRO, HOST:

The PGA tour is moving a storied golf tournament out of Donald Trump’s Doral resort near Miami. Trump broke the news last night during an interview on Fox News.

(SOUNDBITE OF ARCHIVED RECORDING)

DONALD TRUMP: They’re moving it to Mexico. They’re moving it to Mexico City, which by the way, I hope they have kidnapping insurance.

SHAPIRO: Today PGA Tour Commissioner Tim Finchem confirmed the decision in a news conference carried on the Golf Channel. He said the move had nothing to do with Trump’s politics and everything to do with sponsorship issues.

(SOUNDBITE OF ARCHIVED RECORDING)

TIM FINCHEM: Some of the reaction revolves around the feeling that somehow this is a political exercise, and it is not that in any way, shape or form.

SHAPIRO: NPR’s Greg Allen joins us now from Miami. Hi, Greg.

GREG ALLEN, BYLINE: Hi, Ari.

SHAPIRO: Earlier the PGA Tour had explicitly distanced itself from Trump because of some of his political comments. Commissioner Finchem seems to be saying that has nothing to do with today’s decision.

ALLEN: That’s right. That’s exactly kind of – that’s the point he made today. But we – you, like me, probably remember in December when the Tour released a statement. This was after Donald Trump called for a ban on Muslims entering the U.S. And the PGA Tour sent out a statement saying that his comments were, quote, “inconsistent with our strong commitment to an inclusive and welcoming environment,” reading from that statement.

But today the PGA Tour commissioner said the only reason for moving the tournament was that after more than 50 years, the Doral Tournament wasn’t able to find a sponsor. Cadillac last year told Doral it was pulling out, and that was before Trump’s comments.

But after months of looking, the head of the tournament told the Miami Herald that Doral was simply unable to line up a new sponsor. The PGA’s tour with Doral allowed them to move the tournament if they couldn’t get a sponsor, and so today, Finchem said they’re moving it to Mexico City.

SHAPIRO: Which is ironic given that Trump has promised to build a wall on the U.S.-Mexico border.

ALLEN: Right, and the PGA Tour Commissioner did not respond to that irony today. He said that the tour was working to broaden its appeal to people in Central America and South America, and that’s reason for the move there. And of course, that’s also where they found a sponsor – Grupos Salinas, which is a Mexican business conglomerate. They stepped forward to sponsor the tournament. And of course, since they’re from Mexico, I think they wanted to base it down there.

But Commissioner Finchem said the PGA Tour likes working with Donald Trump and hopes to return to Doral at some point. They already have one event in Mexico at a beach resort near Cancun, so now this’ll be a second one. The Golf Channel’s reporting that the new event is going to be at the Chapultepec golf course just outside Mexico City. But Commissioner Finchem today said no final decision has been made on that.

SHAPIRO: Talk about the impact of this on Trump. We heard him saying he hopes that they have kidnapping insurance, and he has a lot of money invested in Doral.

ALLEN: Well, it is a big deal certainly when a course gets dropped from the PGA Tour after more than 50 years. I think it’s 54 years, in this case. Trump bought the Doral resort just four years ago, and he got a lot of praise at the time for his renovations. Even today Commissioner Finchem talked about that. He spent some $250 million to re-do the golf courses.

But today Donald Trump released a statement calling it a sad day for Miami, the United States and the game of golf. He compared what the PGA Tour had done to American companies like Carrier and Nabisco, who he sometimes mentions in his speeches, who have moved jobs to Mexico. He says that the PGA Tour has put profits ahead of thousands of American jobs.

So he definitely sounds disappointed. But also in the past, he said that if the tour left he would make even more money at Doral because it would make more rooms available during the peak of the season.

SHAPIRO: That’s NPR’s Greg Allen on news that the PGA Tournament is leaving Trump’s Doral golf course in Miami for Mexico. Thanks, Greg.

ALLEN: You’re welcome.

Copyright © 2016 NPR. All rights reserved. Visit our website terms of use and permissions pages at www.npr.org for further information.

NPR transcripts are created on a rush deadline by Verb8tm, Inc., an NPR contractor, and produced using a proprietary transcription process developed with NPR. This text may not be in its final form and may be updated or revised in the future. Accuracy and availability may vary. The authoritative record of NPR’s programming is the audio record.

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A Med Student Decides To Be Upfront About Her Mental Issues

Giselle is pursuing a career in family medicine at the University of Wisconsin School of Medicine and Public Health. For her, hiding her problems with anxiety and depression was not an option.

Giselle is pursuing a career in family medicine at the University of Wisconsin School of Medicine and Public Health. For her, hiding her problems with anxiety and depression was not an option. Amanda Aronczyk/WNYC hide caption

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At first Giselle wasn’t sure what to put on her medical school application. She wanted to be a doctor, but she also wanted people to know about her own health: years of depression, anxiety and a suicide attempt. (We’re using only her first name in this story, out of concern for her future career.)

“A lot of people were like, you don’t say that at all,” she said. “Do not mention that you have any kind of weakness.”

Giselle remembers having her first intense suicidal thoughts when she was 10 years old. Her parents had split up and she had moved from the coast of Colombia to Chicago. She started having extreme mood swings and fighting with her mom.

And then, when she was 16 years old, she tried to kill herself. “Yeah, lots of pills.”

After her suicide attempt she began therapy and eventually started taking antidepressants. That worked extremely well. After finishing high school, she took an unconventional route. She went to Brazil to work with a women’s community health group, worked as a research assistant for a doctor, and trained as a doula to assist women in labor. It was while working as a doula and witnessing what she saw as insensitive behavior from a doctor that she resolved her own career indecision: She would become a different kind of doctor.

When she applied to medical school, she told them this whole story in her application. In the fall of 2014, she started at the University of Wisconsin School of Medicine and Public Health.

Giselle picked Wisconsin in part because it offered unlimited free counseling for medical students. And her mentor, Dr. Christopher Hildebrand, says she has always been transparent about her struggles.

“She allowed me into her life right away,” he says.

But medical school hasn’t been easy for Giselle. She felt overwhelmed and failed an exam in her first few weeks. In her second semester she had a panic attack during a test. The school let her retake the tests, and she did well.

But then Giselle was called to committee, kind of a jury of medical school staff who intervene when a student is struggling with their work. She said there was a box of tissues and a room full of people in a semicircle.

The head of the committee asked Giselle if she could handle her issues and if she was cut out for the stressful life of a doctor.

“I walked away from that and I was just so furious, like I felt so hurt,” she says. Ultimately, the committee was pleased with her improvement on the test scores, and she was not put on academic probation. The school agreed to allow Giselle to do her second-year coursework over two years.

A posting on a bulletin board outside the counseling offices at the University of Wisconsin invites people to participate in a study on depression and insomnia.

A posting on a bulletin board outside the counseling offices at the University of Wisconsin invites people to participate in a study on depression and insomnia. Amanda Aronczyk/WNYC hide caption

toggle caption Amanda Aronczyk/WNYC

Medical schools struggle with finding the balance when it comes to mental health. Anxiety and stress are common. So when is it a health problem? But Giselle’s mentor Hildebrand says she never uses her mental health as an excuse. In fact, he says, going through what she has struggled with could make her a better doctor in the long run.

“We need Giselles in medicine,” he says. “We need people who are unafraid to have the insight to talk about not only their own struggles in life, but how that relates to others.”

Medical training often involves numerous risk factors for mental illness, including lack of sleep, isolation and a lack of a support system. Physicians are at more risk for suicide than the general population. But despite this, mental health among medical students, interns and physicians often doesn’t get the attention it deserves.

The University of Wisconsin medical school is trying to help students like Giselle with therapists and tutors. And Giselle uses those services. She is also adamant about being open about her mental health issues. One time she posted about it on Facebook:

“Dealing with academic administration is an awful part of med school. It’s a medieval-like process of judgment and punishment to ask for help or find yourself struggling with all the exams,” she wrote.

The school questioned whether her post was a good idea, Giselle says, but she thinks it helped other students open up about their own struggles.

“And I kind of just stumbled upon this role of being like, the person that speaks on behalf of the anxious and depressed.”

WNYC and NPR recently asked listeners: Have you ever had a hard time talking openly about your mental health? We’ll be posting some of these responses on Facebook throughout the series.

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For more on WNYC’s Only Human podcast series on mental health, check here. You can stay in touch with @OnlyHuman on Twitter and @Only Human on Facebook.

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