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TODAY IN PERSONAL JOURNAL

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CONTENTSCFO Journal ..................B7Corp. News............B2-4,6Global Finance.............C3Health...................... D1-3,5Heard on Street.......C10In the Markets.............C4

Leisure & Arts............ D4Marketplace..................B8Opinion....................A13-15Sports................................D6U.S. News...................A2-6Weather Watch..........B8World News............A7-11

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What’sNews

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World-WidenOver 300,000 Americansface a Tuesday income-verifi-cation deadline that could putthem at risk of losing theirhealth-insurance subsidies. A1nPro-democracy protests inHong Kong took on a festive airTuesday, but demonstratorsfeared a possible crackdown.A8nChina’s President Xi faces astark choice between con-cession and suppression. A1nTheWhiteHousemoved tocontain criticism after Obamafaulted U.S. intelligence for un-derestimating Islamic State.A10n Israel’s Netanyahu warnedof the threat of Islamic mili-tancy and of a nuclear-armedIran in a U.N. speech. A10nBelgian prosecutors laidout terrorism charges againstan Islamist group that alleg-edly sent jihadists to Syria. A10nAshraf Ghani, a former U.S.citizen and onetimeWorldBank official, was sworn in asAfghanistan’s president. A7n The FAA called for reviewsof emergency response andsecurity after a fire at an Illi-nois air-traffic-control site. A3nAWhite House intruder gotmuch farther into the execu-tive mansion than previouslydisclosed, a lawmaker said. A4nCalifornia Gov. Brown ve-toed a bill that would have re-quired police to obtain war-rants for drone surveillance. A6nCalifornia enacted a lawsetting a consensual-sex stan-dard on college campuses. A6nA Spanish court suspendeda vote on Catalonian indepen-dence scheduled for Nov. 9. A11

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Ford said it expects pretaxprofit of $6 billion to $7 bil-

lion this year, $1.5 billion lessthan first forecast, and warnedof a deep loss in Europe. B1 GM’s Barra plans to unveila multiyear financial strategyWednesday, aiming to shiftgears at the auto maker. B1n Pimco sought to persuadeinvestors to keep theirmoney at the asset managerdespite Gross’s departure. C1n Foreign banks have re-ceived nearly half the Fed’sinterest payments for re-serves this year and last. C1n Consumer spending rose0.5% in August from July, per-sonal income gained 0.3% andinflation remained low. A2n The Dow declined as muchas 1% on Hong Kong protestsbefore climbing back to closeat 17071.22, down 41.93. C1nThe SECwill post an in-crease in its tally of cases forthe fiscal year, but critics citean absence of major actions. C1n The AIG bailout trial gotunder way with a sharehold-ers’ lawyer calling the deal a“grab” by the government. C3n The number of U.S. bankbranches has fallen to thelowest level since 2005, fed-eral data show. C2n Bank of America will pay a$7.65 million penalty over a$4 billion capital error. C3n SoftBank’s discussions toacquire DreamWorks Anima-tion have cooled. B2n Canada’s Encana agreed tobuy Texas shale-oil producerAthlon for $5.93 billion. B3

Business&Finance

WASHINGTON—Hundreds ofthousands of Americans face aTuesday deadline to verify theirincome and are at risk of losing orhaving to pay back their federalhealth-insurance subsidies underthe Affordable Care Act.

The need for people to payback the government could be-come a headache during nextyear’s tax season, when Ameri-cans are expected to pay back anysubsidies they weren’t eligible for.

The Obama administration hastold more than 300,000 individu-als who obtained coveragethrough the federal Health-Care.gov site that they may losesome or all of the subsidies ifthey don’t provide additional in-come information that jibes withInternal Revenue Service data.That information includes tax re-turns, wages and tax statements,pay stubs and letters from em-ployers.

Hundreds of thousands of peo-ple who obtained health coveragethrough state exchanges also havedocumentation issues and couldpotentially be getting subsidiesthey aren’t eligible for.

Enrollees whose incomechanged during the year butdidn’t update their informationcould also owe the government ifthey received larger tax creditsthan they were entitled to. Theowed amounts could total thou-sands of dollars, health policy ex-perts say.

“Most people don’t know theyeven got advance tax credits,”said Mark Ciaramitaro, vice presi-dent, health-care services at taxpreparer H&R Block Inc. “They

Pleaseturntothenextpage

BY STEPHANIE ARMOUR

HealthSubsidiesAt RiskFor Many

SHANGHAI—Massive democ-racy rallies in Hong Kong haveoffered Chinese President XiJinping stark choices betweenconcession and crackdown, ei-ther of which poses problemsfor his government—and hisown political standing.

Throughout the weekend andinto Monday, protesters, mostlystudents, confronted police andhalted business activity in partsof Hong Kong. Crowds thinnedin the early morning hoursTuesday but were expected to

grow again during the day.Police fired tear gas and pep-

per spray to disperse the thou-sands of students gathered out-side government headquarterson Sunday, but the protestersregrouped and re-emerged ingreater numbers, choking offroadways in the heart of thecity.

As the protests swelled, Mr.Xi stayed in Beijing and made nopublic comments on the events.Instead, lower-level governmentspokesmen called the unrest ille-gal and warned foreigners not toget involved in a domestic issue.

The Hong Kong demonstra-tions—in which protesters areresisting Beijing’s proposed lim-itations on how the city’s leaderis elected—bring to the foresensitive issues for the Chinesegovernment.

The leadership is always con-cerned that protests in one partof China, if left unchallenged,might encourage people in otherparts to rise up. Hong Kong,which was given limited auton-omy and freedoms upon its re-turn to China from British colo-nial rule 17 years ago, wassupposed to be a showcase for

Beijing’s ability to manage acosmopolitan financial hub witha minimum of intervention.

Now, President Xi faces toughchoices: Modify the proposedformula for Hong Kong’s elec-tion system and appear weak, ordislodge the protesters withforce and risk conjuring memo-ries of Beijing’s bloody 1989 pro-democracy crackdown in Ti-

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BY JAMES T. AREDDY

China’s Democracy DilemmaHong Kong Protests Present BeijingWith a Choice Between Concessions or Crackdown

Workers who apply online at RadioShack Corp.must say if they agree with the statement: “Over thecourse of the day, I can experience many moodchanges.” Lowe’s Cos. asks job seekers if they “be-lieve that others have good intentions.” A test atMcDonald’s Corp. said: “If something very bad hap-pens, it takes some time before I feel happy again.”

The use of online personality tests by employershas surged in the past decade as they try to stream-line the hiring process, especially for customer-ser-vice jobs. Such tests are used to assess the personal-ity, skills, cognitive abilities and other traits of 60%to 70% of prospective workers in the U.S., up from

BY LAUREN WEBER AND ELIZABETH DWOSKIN

MOOD SWINGS

As Personality TestsMultiply,Employers Are Split

ZUG, Switzerland—The new yo-delers are messing with Swiss tra-dition.

Christine Lauter-burg, a musician fromBern, has layered yo-deling over technobeats, and that simplyisn’t done. She wearsa miniskirt and heelson stage, rather thanthe Alpine peasantdresses worn by per-formers sanctionedby the Swiss YodelingAssociation, thekeeper of the flame.The outfit, called adirndl, isn’t optional.

Ms. Lauterburgisn’t alone in her her-esy.

Christian Zehnder, who hailsfrom Basel, yodels as a toy traingoes round and round, emitting

ghostly sound effects. Erika Stucky,a singer in Zurich, blends yodelingwith theatrical crooning in acampy style.

These people seem to be sayingthat if the yodel is tobe preserved, it needsto be modernized.

Yodeling has beenexported, too, send-ing the alpine tradi-tion in various odddirections. Not longago, American R&Bsinger R. Kelly madethe yodel his own.

Country andWest-ern yodelers, whoaren’t newcomers tothe form, are still do-ing their own thing inthe U.S. ThomasHawk retired about

five years ago from teaching atFrostburg State University’s busi-ness school in Maryland. Mr. Hawk

PleaseturntopageA12

BY JOHN LETZING

Purists Get Their Dirndls in a KnotOver the Right Way to Yodel

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Artists Add Techno and Other Modern Twists;The Sound of New Music Irks Traditionalists

Christine Lauterburg

30% to 40% about five years ago, estimates JoshBersin, principal of consulting firm Bersin by Del-oitte, a unit of auditor Deloitte LLP.

Workplace personality testing has become a $500million-a-year business and is growing by 10% to15% a year, estimates Hogan Assessment SystemsInc., a Tulsa, Okla., testing company. Xerox Corp.says tests have reduced attrition in high-turnovercustomer-service jobs by 20 or more days in somecases. Dialog Direct, of Highland Park, Mich., saysthe testing software allows the call-center operatorand manager to predict with 80% accuracy whichemployees will get the highest performance scores.

But the rise of personality tests has sparkedPleaseturntopageA12

Intruder Ran Deep Into White House

100 feet

Pennsylvania Avenue NW

THEWHITE HOUSE

South Lawn

Fountain

The Wall Street Journal

Sources: Court records and peoplefamiliar with the incident

WestWing

2

Scaled north fence of White Houseat 7:20 p.m. Sept. 19 and ran acrossthe front lawn.

Ran up the stairs to theNorth Portico door andentered the Central Hall.

Veered left to the East Roomand ran south to the door ofthe Green Room. He wasarrested outside the room.

3

1

The intruder who scaled a White House fence earlier this month gotmuch farther into the executive mansion than previously disclosed. A4

Hong Kong on edge asdemonstrations continue......... A8

Andrew Browne: Protesters cancount on Beijing’s firm hand... A9

Tough ChoiceFor Iraq’sChristians:Fight or Flight

Fadwa Rabban stayed inBaghdad after the 2003 U.S. in-vasion, and after her husbanddied in 2005. She stayed after anearby blast blew out the win-dows of her home, and afterfriends and relatives left asChristians like herself increas-ingly became the target of Is-lamic militants. One Sunday in2010, she went to church for amorning service with her sonand daughter. That evening,the church was attacked by Is-lamic militants, leaving 58dead.

“After that, I couldn’t stay,”said Ms. Rabban, 49 years old.In late 2012, she finally movedto Michigan with her children,joining a growing contingent ofIraqi Christians, known as Chal-deans or Assyrians, fleeing anintensifying campaign against

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BY TAMARA AUDI

Xaum

eOlleros/AgenceFrance-Presse/Getty

Images

Demonstrators hold up their cellphones in a display of solidarity during a protest outside the Hong Kong government’s headquarters on Monday.

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