Chargers brought down to earth SEAN M. HAFFEY / Union-Tribune Chargers quarterback Philip Rivers had a tough day in south Florida, completing just 13-of-28 passes for 159 yards in yesterday's loss to the Dolphins. Rivers was sacked in the third quarter by Miami's Vonnie Holliday. Click for larger image

What's Inside Photo: Chargers brought down to earth Janet Jackson cancels Another skyscraper to add to Dubai's storied reputation This day in history Most e-mailed U-T stories Russia dismantling some Georgia positions Bailout includes major change for mental health care Obama targets McCain in Web video More News

Countrywide Financial has agreed to the largest program ever to modify home loans as part of a settlement with officials in 11 states, including California. Countrywide, the nation's largest lender and loan servicer that was recently acquired by Bank of America, had been sued by the states over what they said were predatory lending practices.

2008 VOTE: PRESIDENT

WASHINGTON – There were not many conspicuous tributes to the legacy of President Bush at last month's Republican National Convention, but there was at least one.

Cowed by the financial crisis, U.S. consumers are pulling back on their spending, all but guaranteeing that the economic situation will get worse before it gets better. In response to the falling value of their homes and high gasoline prices, Americans have become more frugal all year.

CHICAGO – Warning: Young children should not keep hedgehogs as pets – or hamsters, baby chicks, lizards and turtles, for that matter – because of risks for disease.

2008 VOTE: STATE PROPOSITIONS

SAN FRANCISCO – Californians will vote on two ballot initiatives this fall that at first glance would seem shoo-ins for approval in a state long associated with environmental activism.