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When we ask investors about their realistic expectations for returns on their retirement portfolios, the answers are often anything but: “Anything from 10% at the bottom to 15% at the top” is a common response. Keeping in mind that the average stock market return is around 8% per year, as measured by the S&P 500 index, it’s easy to see why these scenarios, particularly at the higher end, are somewhat overly optimistic.

People suffering from chronic liver and kidney diseases, as well as those with learning disabilities, are at greater risk of dying from sepsis, scientists have warned. Patients with some of these conditions are three times more likely to die from an infection within a month, and those with kidney disease are up to six times more at risk, a new study of NHS data has found. Being from a poor background can also lead to an 80% greater risk of developing sepsis and dying, the experts said.

It's been a truly banner year for Wall Street. All three major stock indexes have rallied strongly from their 2022 bear market lows, with the growth stock-fueled Nasdaq Composite (NASDAQINDEX: ^IXIC) leading the charge. Through the closing bell on Dec. 13, the Nasdaq was higher by 41% for the year.

Hybrid learning has the potential to make higher education more flexible, accessible and efficient — but not without concerted effort, a new Educause report says. The 2022 Educause Horizon Action Plan: Hybrid Learning, published Monday, includes exercises for institutional leaders looking to maximize the potential of hybrid learning on and off campus. The document is based on a July meeting of higher education experts who discussed their vision for hybrid learning.