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MIAMI BEACH, Fla. — For the third year in a row, Miami Beach finds itself struggling with spring break violence, including two fatal shootings and unruly crowds, despite a massive police presence and activities designed to give people alternatives to drinking alcohol and roaming the streets.

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WASHINGTON — President Joe Biden on Friday called on Congress to allow regulators to impose tougher penalties on the executives of failed banks, including clawing back compensation and making it easier to bar them from working in the industry.

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WASHINGTON — The government’s response to the failure of two large banks has already involved hundreds of billions of dollars. So will ordinary Americans end up paying for it, one way or another? And what will the price tag be?