David Brancaccio

But for how long?

Betsy Mayotte is founder and president of the Institute of Student Loan Advisors.

She spoke with our podcast, Make Me Smart.

Changes to the student loan system were promised in the big tax and spending law from last summer and are evolving.

For more on what's to come for student loans, check out Marketplace's Make Me Smart.

Marketplace.org has the audio now.

It's a big country with many growing zones.

And even here in the dead of winter, there's planting and harvesting in what are supposed to be warmer climes.

Yet we have this record cold.

Marketplace's Elizabeth Troval now has more on farmers and the big freeze.

And is it a coincidence, or is Google listening and feeding customized ads based on private utterances?

There's news that Google has agreed to pay $68 million to settle a class action suit contending the tech company had recorded audio of private conversations, even if people had not uttered the key words to trigger Google voice commands.

Google's parent, Alphabet, admits no wrongdoing, and the company indicated it's settling, but

to avoid the hassle and expense of a court battle.

In Los Angeles, I'm David Brancaccio.

You're listening to the Marketplace Morning Report.

From APM, American Public Media.

Your credit cards are denominated in U.S.

dollars, so why might the Japanese yen affect what you pay?

I'm David Brancaccio in Los Angeles.