Yuki Noguchi

Contract workers and freelancers have few legal rights, compared with those hired as employees. Under federal law, a contract worker lacks the right to sue for sexual harassment or gender discrimination, for example, because workplace civil rights laws do not apply.

A new NPR/Marist poll finds that 1 in 5 jobs in America is held by a worker under contract. Within a decade, contractors and freelancers could make up half of the American workforce. Workers across all industries and at all professional levels will be touched by the movement toward independent work — one without the constraints, or benefits, of full-time employment. Policymakers are just starting to talk about the implications.

When it comes to dealing with the aftermath of Equifax's massive data breach, it'll be up to consumers to be on guard against data thieves, experts say.

The Federal Reserve's Open Market Committee has voted 9-1 to increase its benchmark interest rate by a quarter of a percentage point and said it aims to raise interest rates twice more by the end of the year.

The only dissenting vote came from Neel Kashkari, president of the Federal Reserve's regional bank in Minneapolis, according to the Fed's statement.

Wednesday's move brings the federal funds rate to a range of 0.75 percent to 1 percent. The increase was expected by the market and is consistent with what Fed officials had been signaling.

Superstorm Sandy capped what's been a pretty impressive couple of years for U.S. natural disasters. There have been wildfires, tornadoes, floods and derechos. And insurance companies are on the hook to pay billions in related claims.

"We're seeing more of everything, and what we're doing is trying to factor that in going forward as we work with others to have a better sense of what the future holds," says State Farm spokesman David Beigie.

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