• Donald Trump's most recent tariffs on China put Apple's profitability at risk, analysts say.
• Apple previously avoided similar tariffs in 2019 after discussions between Cook and Trump.
• Mexico, Canada, and China are planning retaliatory measures that could additionally hurt sales.

Apple CEO Tim Cook is finding himself staring down China tariffs again, six years after narrowly avoiding them during Donald Trump's first term.

President Trump is imposing tariffs on Mexico, Canada, and China that he says are meant to push them to do more to stop fentanyl, an addictive synthetic opioid, from entering the US. So far, it's prompted each country to announce potential countermeasures, with Mexico and Canada promising retaliatory moves.

Tech analysts' eyes are now on Cook to see whether he can successfully extricate Apple from the levies — like he managed to with Trump's China tariffs in 2019.

"We're dealing with a new political and market landscape, and similar exemptions aren't guaranteed," Jacob Bourne, tech analyst at EMARKETER, a Business Insider sister company, said.

Apple makes about 95% of its most popular products in China, Forbes previously reported. Trump's added 10% tariff on the country's imports to the US would mean the cost could fall on consumers or the company itself, analysts told BI.

It's unclear if Cook is already pursuing a workaround for Apple, but Morningstar analyst William Kerwin said Apple's exploration of US manufacturing "could be a part of a deal for an exemption."

The last time China was hit with Trump tariffs, Apple managed to protect iPhones and MacBooks. Reuters reported that Cook cited competition with South Korea's Samsung in previous discussions with Trump. Kerwin says, "We'll see" if Cook can make another good case to Trump in 2025.

Apple's global visibility and the "challenging geopolitical climate" leaves it open to potential retaliatory tariffs from countries where it does business, said Gil Luria, an analyst at D.A. Davidson & Co.

China, specifically, poses a threat when it comes to manufacturing and revenue, as the region is a key market for Apple's sales. The iPhone maker has lost ground there to local smartphone companies in recent years.

"A prolonged tariff-driven conflict could impact Apple sales outside the US," Luria said.

Apple didn't immediately respond to a request for comment from BI.

Over the past five years, Apple has mostly avoided increasing iPhone prices in the US (apart from a $100 bump on Pro Max models in 2023).

"We don't expect the pricing lever to get pulled in the short-term," Kerwin said.

As for Cook, he told analysts that Apple is "monitoring the situation" during its first-quart fiscal year 2025 earnings call Thursday.

• Elon Musk, the head of DOGE, is officially an employee of the US federal government.
• The White House confirmed his employment on Monday. He will not receive a paycheck.
• Musk is a "special government employee," a role that's not supposed to last for more than 130 days.

Elon Musk is officially an employee of the United States federal government.

A White House spokesman confirmed to Business Insider on Monday that the Tesla and SpaceX founder is a "special government employee" and will not receive a paycheck for his service.

The government has historically used the "special government employee" classification for temporary workers who bring a particular expertise but do not intend to be employed permanently.

Special government employees are not subject to the ethics and conflicts of interest rules that government employees typically encounter. Musk's companies, particularly Tesla and SpaceX, have benefited significantly from government contracts.

According to federal law, special government employees cannot serve for more than 130 days in a 365-day period.

Musk's "Department of Government Efficiency" is also part of the federal government — President Donald Trump's signed an executive order on his first day in office renaming the United States Digital Service to the "United States DOGE Service."

In recent days, Musk and his DOGE team have taken aim at the US Agency for International Development (USAID), with Musk calling for the agency to be shuttered.

On Monday, employees were told that the building would be closed and staffers would be required to work from home, spurring outcry from Democratic lawmakers.

• Ontario Premier Doug Ford said the Canadian province would be ending its Starlink contract with SpaceX.
• The contract, worth around $68 million, aimed to provide internet access to 15,000 homes and businesses in Ontario.
• Ford said he also plans to ban American companies from provincial contracts until Trump's tariffs are removed.

One of the companies Elon Musk runs could be about to lose a $68 million contract due to President Donald Trump's tariffs against Canada.

Ontario Premier Doug Ford announced on Monday that the province would be "ripping up" its contract with Starlink, the satellite internet service operated by SpaceX.

"Ontario won't do business with people hellbent on destroying our economy," Ford wrote in a post on X. "Canada didn't start this fight with the U.S., but you better believe we're ready to win it."

In November, Ontario awarded a contract worth about $68 million with SpaceX, which is helmed by CEO Elon Musk, to provide internet access to "15,000 unserved and underserved homes and businesses" across Ontario by June 2025.

In Ford's post mentioning Starlink, he also said Ontario would be "banning American companies from provincial contracts," adding that the Ontario government spends about $30 billion on procurement every year and "U.S.-based businesses will now lose out on tens of billions of dollars in new revenues."

"They only have President Trump to blame," Ford said in the post.

Ford's statements follow Trump's announcement of a 25% tariff on Canadian and Mexican goods and a 10% tariff on imports from China.

The US has already delayed its tariffs on Mexico by a month after the country agreed to compromise on some of Trump's border demands. Colombia similarly worked out an agreement with the Trump administration about a week ago after the White House threatened a 25% tariff on the country.

Canadian Prime Minister Justin Trudeau said on Saturday that Canada would impose 25% tariffs on around $106 billion of US goods. Some of the tariffs are set to go into effect on Tuesday, and others in about three weeks.

Ford has previously criticized Trump's policies, and over 30 labour leaders in Ontario gathered last Monday to demand the Premier establish a tariff task force to address US tariffs.

SpaceX, Ford, and Donald Trump's administration did not immediately respond to a request for comment.

• Celebrities attended the 2025 Grammy Awards in stunning fashion on Sunday night.
• Many of their outfits featured subtle but interesting details you might have missed.
• Beyoncé and Taylor Swift, for example, both hid meaningful initials in their looks.

The Grammy Awards were, in a single word, eventful.

Beyoncé finally took home the album of the year award, Chappell Roan called out the music industry onstage, and Kanye West walked the red carpet alongside his partner, Bianca Censori, who was nearly nude.

Of course, there were also many examples of stunning style moments throughout the event and countless subtle details you might have missed.

Here's a look at some of those hidden fashion moments, from charitable donations to jewelry that made a statement.

The gown Beyoncé wore subtly nodded to her name and cowgirl era.

The "Cowboy Carter" star didn't walk the red carpet this year, so you might not have gotten a good look at the details of her custom Schiaparelli gown and matching gloves.

The sleeveless piece had a deeply scooped neckline, a waist cutout with a hanging gem, a floor-length skirt, and all-over brown sparkles.

It was also decorated with beaded Bs and a white paisley print, which gave the gown a Western feel.

Sabrina Carpenter didn't just accessorize. She wore famed diamonds with a deep history.

From the front, Carpenter appeared to wear a simple, feathered gown designed by JW Anderson. When she turned around, however, you could see its daring backless design and the dazzling diamonds she wore to highlight it.

Those jewels, in particular, are more significant than you might realize.

They come from Chopard's Garden of Kalahari collection, which features pieces crafted from a 342-carat stone mined in Botswana and named "The Queen of Kalahari."

Carpenter wore them in the form of a torso-length necklace with small pear-shaped stones — which collectively weigh 19 carats — leading to a 50-carat round statement piece.

She also wore matching earrings and a 10.10-carat ring from Chopard, according to People.

Charli XCX made it rain underwear for a good cause.

To perform her hit "Guess," Charli XCX hit the Grammys stage in denim undergarments, a belt, and a jacket from Dior.

She also recreated the song's music video and had underwear rain from the ceiling to create "Brat"-style confetti that fell around the musician, dancers, and her famous friends.

Though the stunt might have seemed silly to some, it was actually meaningful.

"All unworn undergarments will be donated to survivors of domestic violence through I Support the Girls," the Grammy Awards noted via a brief text box displayed on its broadcast.

Taylor Swift sported a red ensemble that appeared to honor her boyfriend in multiple ways.

The cherry-red color of Swift's Vivienne Westwood minidress matched the signature color of Travis Kelce's team, the Kansas City Chiefs.

She may have been manifesting the team's third straight Super Bowl win, which they'll play for on Sunday.

The "Tortured Poets Department" musician also completed her custom dress with a T initial charm that hung from a gold, ruby-embellished chain attached to her miniskirt.

The letter T could've been a nod to Kelce's first name, while the style overall appeared to reference a line from her song "Guilty as Sin?" in which Swift sings, "What if he's written 'mine' on my upper thigh only in my mind?"

Swift co-designed the leg jewelry with Lorraine Schwartz and her stylist Joseph Cassell Falconer, People reported.

Multiple stars wore blue, heart-shaped pins to honor victims and first responders of the California wildfires.

Trevor Noah was one of them, wearing the MusiCares-designed pin on the red carpet and onstage while hosting the show.

The nonprofit's CEO, Harvey Mason Jr., told USA Today that the natural disaster "changed the mood" of the 2025 Grammys.

"It changed what we've done (with the show), raising funds and awareness for the fire relief," he told the publication.

Miley Cyrus quietly made three daring outfit changes.

She first arrived at the Grammy Awards wearing a black Saint Laurent halter dress crafted from leather. It had a wide waist cutout, a floor-length skirt, and a subtle slit at the bottom.

The "Flowers" musician later changed into a custom Alaïa gown that was similar in style but drastically different in fabric. The sleeveless black gown had a plunging neckline, a silver belt, and a pleated skirt with an opening that showed her skin.

Finally, Cyrus changed into another Saint Laurent look designed by Anthony Vaccarello. The long-sleeved look was black, striped, and sheer.

Julia Fox wore a simple outfit with a daring detail you could only see when she turned around.

The actor arrived on the red carpet in a cropped leather jacket with puffy sleeves, a see-through nylon top, and a matching miniskirt.

It was only when she turned around that you could see her revealing thong, which showed most of her backside.

Fox wore the daring outfit with a pair of yellow gloves that resembled kitchen cleaning gear.

• President Trump's executive order on tariffs has contributed to market volatility.
• The executive order also targets the de minimis customs loophole and has brands scrambling.
• Brands are considering raising their prices and using other entry methods for their goods.

President Trump's Saturday executive order placing tariffs on goods from China, Canada, and Mexico sent shockwaves through global markets.

But another part of the order has also had e-commerce brands scrambling for solutions. It targets a loophole in US customs law that has been used by e-commerce disruptors like Shein and Temu and many American companies.

Section 321, also known as de minimis, allows importers to avoid paying duty and tax on shipments that are valued at less than $800 and going directly to customers. Shippers using de minimis do not have to provide as much information to US Customs and Border Protection as shippers using more traditional methods would. Opponents of the provision have argued that since de minimis shipments are often not inspected, they have allowed bad actors to import illicit goods like fentanyl into the US.

Saturday's executive order closes that loophole, at least in part. However, there are still uncertainties regarding the future of de minimis.

The executive order imposes tariffs on goods originating in China, Mexico, and Canada and specifically calls out Canada for its failure "to do more to arrest, seize, detain, or otherwise intercept DTOs [drug trafficking organizations], other drug and human traffickers, criminals at large, and drugs." It does not mention de minimis shipments originating in countries aside from the three listed, leaving open the possibility that the loophole could still be used elsewhere.

DTC brands are scrambling

Companies that have relied on de minimis are trying to quickly make changes to their business models.

Maggie Barnett, CEO of third-party logistics provider LVK, said that some direct-to-consumer brands she spoke with over the weekend are facing cash-flow issues because they have relied on the de minimis provision to import their goods into Mexico or Canada before shipping them to customers in the US duty-free. They may have to raise their prices.

"They're used to not having to pay this money upfront before sales come, if at all," Barnett told Business Insider.

She said the company is advising its customers to weigh their options before revamping their supply chains in response to the executive order.

"Making changes to your supply chain can be very costly, and you wouldn't want to completely change your supply chain and then have a new announcement drop," she said. "I would urge all brands to be very cautious and to find optionality in their approach to their supply chains."

That could mean working with a US-based third-party logistics company if they don't already, or starting to work with suppliers in countries not affected by the executive order.

Portless, a startup that replicates Shein's model by fulfilling online brands' orders in China and then shipping them directly to customers, told BI on Monday that it would shift to using other methods like Entry Type 11. Entry 11 is faster than traditional types of import, but it does require importers to pay tax. Portless will now pay its customers' import duties upfront and then issue a monthly invoice for brands to cover.

"We've been preparing for this potential change over the last few months," CEO Izzy Rosenzweig said.

Some US politicians have called for reform to the de minimis provision in recent years, arguing it creates unfair competition for American companies and furthers trade of illicit goods.

The rise of Shein and Temu has brought further attention to the loophole. An interim 2023 report from the US House Select Committee on the Chinese Communist Party said that Shein and Temu "likely" account for more than 30% of all shipments made to the US under the de minimis provision. It added that almost 50% of all de minimis shipments to the US come from China. Both Shein and Temu have pushed back on the notion that they rely on de minimis to grow their business.

Canadian Prime Minister Justin Trudeau announced 25% retaliatory tariffs on the US following Trump's executive order. The tariffs on Mexico, meanwhile, have been delayed a month after Trump reached an agreement with Mexican president Claudia Sheinbaum on Monday.

Do you have a story to share? Contact this reporter at [email protected], [email protected], or on Signal at @mlstone.04.

• Financial firms seek to hire thousands of skilled foreign workers through H-1B visas each year.
• President Trump's immigration crackdown is raising questions about the future of such visas.
• See which financial firms file for the most H-1B visas, according to publicly available data.

As President Donald Trump follows through on his campaign promises to crack down on immigration, questions remain about what might happen to skilled workers who come to the US on H-1B visas.

Trump targeted the H-1B visa program in his first term when he signed the "Buy American, Hire American" executive order to rein in potential abuses. Ahead of the second term, however, he told the New York Post that he "always liked the visas," which US companies use to hire foreign workers with specialized skills, often in science and technology.

"I've been a believer in H-1B," he told The Post in December. "I have used it many times. It's a great program."

Still, the future of the program remains very much up in the air: Last week two Republican senators introduced a joint resolution to strike down a Biden-era rule allowing such visas to be automatically extended for 540 days, instead of 180 days.

As such, Business Insider has run the numbers to find out which US financial services companies stand to be most impacted if these visas are tamped down again. BI used data from the Department of Labor and US Citizenship and Immigration data to analyze which financial giants file the most H-1B requests. The data runs through the 2024 government fiscal year (the fourth quarter of 2023 through the third quarter of 2024) and is collected from applications submitted by businesses that wish to sponsor a skilled worker's visa.

We found that some of the largest banks, credit card companies, and asset managers are among the most active sponsors of these visas, including JPMorgan and BlackRock. While many of the filings seek tech and software workers, some firms have used them to hire investment bankers or investment professionals.

Of course, not all filings lead to a foreign-worker hire and some filings may actually be for the same hire as firms will refile to reflect amendments or to extend an existing visa. Still, the publicly available data provides a good indication of the H-1B visa demand among major companies.

The firms listed either did not respond to a request for comment or declined to comment on the record.

Check out which financial firms are sponsoring the most H-1B visas, including the types of roles they are seeking to fill:

1. JPMorgan Chase

Total certified H-1B filings: 1,990

Total employees worldwide: 317,233 as of the end of 2024

Types of filings: More than 1,500 filings are for workers with "software" in their title. The firm also fired for roles like a vice president of investment banking, an executive director of liquidity risk management, and a managing director of client fraud prevention

2. Fidelity

Total certified H-1B filings: 1,839

Total employees worldwide: More than 76,000 per a January press release

Types of filings: More than 40% of filings contain the word software in their job title, and many other filings are related to tech as well, such as a director-level AI employee. The company also filed for a director of quantitative analysis and even some accounting roles through the program.

3. Goldman Sachs

Total certified H-1B filings: 1,443

Total employees worldwide: 46,500

Types of filings: Slightly more than a quarter of Goldman's filings are for roles that contain the word software. The company has also hired some divisional COO and CFOs through the program, as well as managing directors in areas like banking and financial crime control.

4. Citi

Total certified H-1B filings: 1,058

Total employees worldwide: 239,000

Types of filings: Many of the filings are for tech roles, like software engineering, application development, and information technology roles. Other filings include a regulatory risk group manager and even a trader.

5. Capital One

Total certified H-1B filings: 758

Total employees worldwide: 51,987 at the end of 2023

Types of filings: Most of Capital One's filings are for tech roles, as well as adjacent roles like a quantitative analysis manager and a range of data science roles.

6. Morgan Stanley

Total certified H-1B filings: 642

Total employees worldwide: More than 80,000 per its website

Types of filings: Morgan Stanley does not include job title information in their filings, only the level of seniority. The filings range from the associate level all the way up to managing director.

7. Barclays

Total certified H-1B filings: 609

Total employees worldwide: Approximately 85,000 per its corporate website

Types of filings: Most of Barclay's filings are for tech roles, but the company has also hired for director roles in global markets, equity derivatives structuring and for a credit desk quant role.

8. Visa

Total certified H-1B filings: 587

Total employees worldwide: 31,600 as of a December 4, 2024 report

Types of filngs: The vast majority of filings are for tech roles, like a senior machine learning engineer and a wide variety of software engineers. Other filings include a senior M&A manager and a senior finance manager.

9. American Express

Total certified H-1B filings: 575

Total employees worldwide: 74,000 per a 2024 press release

Types of filings: Nearly a third of AmEx's filings are for manager roles, the vast majority of those are in tech and data science portions of the business. The company has also filed for director roles in investment management and marketing analytics through the program.

10. Bank of America

Total certified H-1B filings: 500

Total employees worldwide: 213,193 as of the end of last year

Types of filings: Similar to others on the list, most of Bank of America's H-1B filings are for tech roles, but the company has also hired a credit senior officer at a director role, and an associate general counsel and VP who works with financial derivatives.

11. Wells Fargo

Total certified H-1B filings: 453

Total employees worldwide: 220,167 employees as of the end of Q3 2024

Types of filings: Nearly 300 of Wells Fargo's filings are for roles with software in the title, but the firm had also filed for roles like a construction management director and a lead securities trader.

12. Mastercard

Total certified H-1B filings: 447

Total employees worldwide: 33,400 employees at the end of 2023 per an annual report

Types of filings: Mastercard has made 220 H-1B filings for roles with software in the title, while another 64 include product in the name. Other filings include roles like a vice president of marketing, strategy, and operations, and a commercial counsel role.

13. Charles Schwab

Total certified H-1B filings: 429

Total employees worldwide: 32,100 employees as of the end of the third quarter of last year

Types of filing: More than 80% of roles have software in the name, though the company has also filed for director roles in business strategy, market risk management and treasury capital markets.

14. BlackRock

Total certified H-1B filings: 354

Total employees worldwide: more than 20,000 globally

Types of filings: The vast majority of BlackRock's H-1B filings only note the role level. Some specific roles were highlighted, like an external relationship management associate and a sustainable investing associate.

15. UBS

Total certified H-1B filings: 294

Total employees worldwide: 109,396 as of end of third quarter last year

Types of filing: UBS has filed for a range of tech roles as well as direct business roles, such as an alternative investments strategy director and director of investment banking.

• Many NFL greats fell short of winning the sport's greatest achievement: a Super Bowl.
• The Buffalo Bills' Jim Kelly led the team to four consecutive Super Bowls in the '90s but never won.
• Meanwhile, others like Cris Carter and Warren Moon never made it to the big game.

Winning the Super Bowl is what every professional football player strives to achieve.

But while many players have made their mark on the sport by winning a Super Bowl or two (or seven), there are plenty of great players who fell short of winning on football's biggest stage but still achieved legendary success.

Take Hall of Fame quarterback Fran Tarkenton: He went to the Super Bowl three times in four years during the '70s with the Minnesota Vikings but was never able to secure a ring. Buffalo Bills Hall of Famer Jim Kelly faced a similar fate in the '90s, losing four consecutive Super Bowls.

On the other hand, the Kansas City Chiefs have had no problem securing Super Bowl rings — they're after their third consecutive win at Super Bowl LIX — and it's up to the Philadelphia Eagles to disrupt their legacy on February 9 at Caesars Superdome in New Orleans.

With the big game quickly approaching, we put together a (subjective) list of the greatest NFL players who never won a Super Bowl but definitely should have.

Julius Peppers

Some players take a while to adjust to the demands of the NFL — Julius Peppers was not one of them. The defensive end and linebacker entered the league with a bang, winning NFL Defensive Rookie of the Year and setting the tone for the rest of his 17-season long career.

Although his only Super Bowl appearance came in 2004, where the Panthers lost to the New England Patriots 32-29, Peppers finished his career as a nine-time Pro Bowler and still holds the record for second-most forced fumbles and fourth-most sacks in NFL history.

In February 2024, he was announced as a first-ballot inductee to the Pro Football Hall of Fame. Throughout his career, he played for the Panthers, Chicago Bears, and Green Bay Packers.

Junior Seau

Linebacker Junior Seau was a star who fell short with both the Patriots and Chargers in the Super Bowl.

Seau played an impressive 20 seasons in the NFL, during which he reached the Pro Bowl 12 times and tallied 56 sacks and 18 interceptions. He reached the Super Bowl twice in his career: once with San Diego in 1995 and later as a part of the undefeated 2007 New England Patriots squad which lost to the Giants in Super Bowl XLII.

The NFL star died by suicide in 2012 and was posthumously inducted into the Pro Football Hall of Fame in 2015.

Eric Dickerson

Eric Dickerson sits atop the leaderboard for single-season rushing yards thanks to his 2,105-yard season in 1984, but he couldn't translate that success into a Super Bowl victory.

Throughout his 11 seasons, the Hall of Fame running back and his iconic googles made six Pro Bowls and rushed for more than 13,000 yards.

He never made it to a Super Bowl and lost in his only NFC Championship Game appearance during the 1985-1986 season to the Chicago Bears.

Warren Moon

Warren Moon is statistically one of the best quarterbacks ever, but he is rarely talked about ... likely because he never won a Super Bowl.

Throughout Moon's 17 seasons, he played for four different teams, threw for just under 50,000 passing yards, and tossed 291 touchdowns.

The Hall of Fame and All-Pro quarterback played in nine Pro Bowls but never reached even an AFC or NFC Championship, let alone the Super Bowl.

Terrell Owens

The NFL may never see another player as theatrical as Terrell Owens. The wide receiver put up incredible stats throughout his 15-season tenure — nearly 16,000 receiving yards and 153 touchdowns — but his indelible antics and the way he was known to divide locker rooms tend to stand out more to many.

His only Super Bowl appearance was with the Eagles in 2005, which they lost to the New England Patriots.

Cris Carter

Cris Carter is regarded as one of the best wide receivers in NFL history, but he and the Minnesota Vikings never made it to the Super Bowl.

Carter started his career in 1987 as a fourth-round pick by the Philadelphia Eagles, but truly began to shine after he joined the Vikings in 1990. Throughout his time in Minnesota, Carter led the team in receptions for 10 consecutive seasons. He was named to the NFL's All-Decade team of the 1990s and remains the sixth all-time leading receiver with 1,101 receptions.

Carter and the Vikings came the closest to a chance at winning the Super Bowl in the 1998 NFC Championship against the Atlanta Falcons, but a missed field goal allowed Atlanta to win in overtime. Carter later retired in 2002 after a brief stint with the Miami Dolphins and was named to the Pro Football Hall of Fame in 2013.

Tony Gonzalez

Before Rob Gronkowski and Travis Kelce elevated the tight-end position to a new standard, Gonzalez was arguably the best in the game.

He never made it to a Super Bowl but came close during the 2012-13 season, when the Falcons competed against the San Francisco 49ers in the NFC Championship. Gonzalez made the Pro Bowl 14 of his 17 seasons and was inducted into the Pro Football Hall of Fame in 2019.

LaDainian Tomlinson

LaDainian Tomlinson is widely considered one of the best running backs in NFL history, but he never made it to the Super Bowl.

In lieu of a Super Bowl victory, the Hall of Fame running back is remembered for numerous accolades including setting the single-season record for points scored (186), winning MVP in 2006, and appearing in five Pro Bowls.

In addition to his time spent with the Chargers and Jets, he is also known for his ambitious philanthropy.

Anthony Muñoz

Anthony Muñoz is one of the greatest offensive linemen in NFL history, but he and the Cincinnati Bengals lost two Super Bowls to the San Francisco 49ers in 1982 and 1989.

Despite not winning a Super Bowl, Muñoz still boasts an impressive resume, being named to 11 consecutive Pro Bowls and earning 11 consecutive All-Pro selections.

Randy Moss

Randy Moss set multiple league records but lost both Super Bowls he played in.

Moss' legendary 14-season career included stints with five different teams and numerous accolades such as the single-season record for receiving touchdowns with 23.

Despite making Super Bowl appearances with both the Patriots and the 49ers, Moss and co. could never overcome the final hurdle and win it all.

Jim Kelly

Few people have been as close to winning a Super Bowl — and know the frustration of losing — better than Jim Kelly.

The Hall of Fame quarterback led the Bills to the playoffs in eight of his 11 seasons and to the Super Bowl four consecutive times from 1991 to '94 but couldn't win any of the four games.

Until Josh Allen set a new record in 2020, Kelly held the Bills' single-season record for the most touchdown passes thrown.

Fran Tarkenton

Similar to Kelly, the Vikings' Fran Tarkenton made the Super Bowl three times in four years from 1973 to 1976 but left empty handed.

What's even worse is that he broke down during each performance, throwing multiple interceptions and failing to put up the kind of points required to win the Super Bowl.

The Hall of Fame quarterback is remembered as the original scrambler and at the time of his retirement, he held many league records, which are still impressive by today's standards.

Bruce Smith

Though an argument could really be made that the entire Buffalo Bills team from '91 to '94 deserved to win a Super Bowl, Bruce Smith is one of those players who leaves us scratching our heads as to how he never won.

The defensive end is the NFL's all-time sacks leader with 200 and a Hall of Famer, not to mention one of the fiercest defensive players to ever step on the field.

Dan Marino

Miami Dolphins quarterback Dan Marino is arguably the most prolific passer in NFL history, but he lost his lone Super Bowl game in 1985 to the 49ers.

Marino's sole Super Bowl appearance came the same season he threw for a jaw-dropping 5,084 passing yards — he was the first player to throw for more than 5,000 yards — and 48 touchdowns.

He did play in two other AFC championships, but never ended up making it back to the big show. He was inducted into the Pro Football Hall of Fame in 2005.

Barry Sanders

Barry Sanders has the fourth-most rushing yards in NFL history (15,269) but never won a Super Bowl.

Sanders was the first player in NFL history to rush for 1,000 yards in each of his 10 seasons in the league. The closest Sanders ever got to the Super Bowl was the 1991 NFC Championship Game.

He was inducted into the Pro Football Hall of Fame in 2004.

Champ Bailey

Champ Bailey is widely considered one of the best cornerbacks to ever play the game, but he and the Denver Broncos fell short of the Super Bowl title in a 43-8 loss to the Seattle Seahawks in 2014.

Still, Bailey holds the record for most defended passes in NFL history (203), he was a 12-time Pro Bowler, and he was chosen for the NFL's All-Decade Team of the 2000s.

He was inducted into the Pro Football Hall of Fame in 2019 as a first-ballot entry.

Larry Fitzgerald

Eleven-time Pro Bowl wide receiver Larry Fitzgerald lost the only Super Bowl he ever played in.

Fitzgerald and the Arizona Cardinals lost 27-23 to the Pittsburgh Steelers at Super Bowl XLIII in 2009.

He spent all 17 seasons of his career with the Cardinals, amassing the second-most career receiving yards of all time (17,492) and the second-most receptions of all time (1,432).

Fitzgerald will be eligible for the Pro Football Hall of Fame in 2026 and is expected to be first-ballot choice.

• Donald Trump is now America's 47th president and serving his second term.
• From his marriages to real estate to the presidency, he's captured the public's attention.
• Here's all you need to know about Trump's family, real estate business, and career in politics.

Donald Trump is president — again.

After his inauguration on January 20, 2025, the businessman and former reality television star commenced his second term. Long a fixture of the American cultural scene and now the 45th and 47th president of the United States, he will continue to have untold political influence.

Trump first entered politics in June 2015 when he descended an escalator at Trump Tower in New York City and announced he was entering the 2016 presidential race. Trump's presidency altered the very fabric of the Republican Party, bucking some traditional conservative values and ushering in the MAGA — Make America Great Again — era.

Here's a closer look at Trump's personal history and wide-ranging career.

Donald Trump's second presidency

Starting on his very first moments in office, Trump signed a flurry of day one executive orders and rescinded many of former President Joe Biden's executive actions.

Trump's earliest actions built on themes from his campaign, from an immigration crackdown, to increasing oil and gas production, to shrinking the federal workforce and calling employees back to the office. He signed a series of orders rolling back diversity, equity, and inclusion efforts, demanding that government-run diversity offices shut down and green-lighting probes into private companies' DEI efforts. He also issued around 1,500 pardons for January 6-related offenses included six commutations in the package, including for individuals who had been charged with seditious conspiracy.

Trump also used an executive order to form the Department of Government Efficiency, Elon Musk's cost-cutting and deregulatory body. Despite saying the group would exist outside of government during the campaign, the executive order brought DOGE inside the White House.

Tech and corporate leaders beyond Musk have also featured prominently in Trump's second term, with some formally serving in his administration. Silicon Valley leaders, including Mark Zuckerberg and Jeff Bezos, had prime spots at his inauguration.

Congress also confirmed a number of Trump's more controversial Cabinet picks, including Pete Hegseth for defense secretary. Marco Rubio soared to confirmation as the secretary of state in a unanimous vote. One of Trump's most contentious nominees, former Rep. Matt Gaetz for attorney general, withdrew from consideration amid allegations of sex-trafficking.

Donald Trump's 2024 presidential campaign and defeat of Kamala Harris

Trump announced his third presidential bid just after the 2022 midterms, and almost two years before election day in 2024. He easily beat his primary rivals and prepared for a rematch against Biden.

Trump complained when Biden dropped out of the presidential race at the end of July and former vice president Kamala Harris soared to the top of the ticket. Polls showed Trump and Harris closely tied in the final days of the race, though Trump ultimately pulled off a comfortable victory, sweeping the seven swing states and winning 312 electoral votes to Harris' 226. He also won the popular vote — the first time a Republican has done so in 20 years.

While surveys suggested Biden's unpopularity may have proven unsurmountable for Harris, other stats showed how younger voters tilted red, Latino voters increasingly backed Trump, and economic frustrations likely pushed the needle in his favor, too.

Additionally, Republicans regained Senate control and maintained control of the House, paving the way for Trump to make judicial appointments and fill any vacancies on the Supreme Court.

The election cycle was defined by political violence: There were two alleged assassination attempts against Trump, one in Pennsylvania and the other in Florida. The then-candidate survived both.

On July 13, Thomas Matthew Crooks shot at Trump at a rally in Butler, Pennsylvania, nicking his ear using an AR-style rifle. A Secret Service sniper killed Crooks, whose motive for the shooting remains unclear. The first assassination attempt quickly became a rallying cry for Trump supporters, and Elon Musk endorsed the former president shortly after.

The second assassination attempt occurred on Sept. 15 in Palm Beach, Florida at a golf course. Ryan Wesley Routh, the suspect, may have staked out the course for 12 hours. Law enforcement officials said that Routh got close to Trump but didn't have a clear line of sight of the former president. They also said that a Secret Service agent spotted Routh's rifle through a fence and immediately opened fire, at which point the suspect fled. On September 16, Routh was charged with two firearms counts.

Given the two candidates' wildly different politics, the competition turned nasty at times, with Trump questioning Harris' race and continuing a pattern of misogynistic comments toward female opponents.

In terms of the economy, a top issue for many voters, Trump promised to extend his hallmark 2017 tax cuts and eliminate taxes on tips. He also threatened broad 10 to 20% tariffs on imported goods, which economists predicted would fuel inflation.

Trump's views on abortion were a sticky subject in the post-Roe environment. He took credit for overturning Roe v. Wade during the race but tempered his stance to appeal to rising pro-choice sentiment. Trump said that states should decide the laws around abortion and didn't publicly supported a federal ban. In August, Trump said that the federal government should pay for costly IVF treatments.

Trump criticized Israel's actions in Gaza at times but portrayed himself as a strong defender of the Israeli state and hosted Prime Minister Benjamin Netanyahu at Mar-a-Lago. A temporary cease-fire between Israel and Gaza went into effect days before Trump took office for the second time.

With respect to the war in Ukraine, Trump repeatedly said he could end the war on Day One, though did not do so on his first day in office. He avoided explicitly saying that he wants Ukraine to win during the campaign.

Donald Trump's controversies and legal woes

Donald Trump's legal troubles stretch back to the very beginning of his business career. In 1973, the US Justice Department sued Fred and Donald Trump for allegedly violating the Fair Housing Act in various New York City apartment buildings. The parties settled the suit two years later and the Trumps did not admit to any wrongdoing.

Trump's political rise is backlit by controversy as well, from the personal scandals that have plagued his candidacies to his new status as the first former president convicted of a federal crime. The FBI investigated Russian interference in the 2016 election, but ultimately concluded that there wasn't sufficient evidence to prove that "members of the Trump campaign conspired or coordinated with the Russian government." Yet the report did find "numerous links" between the two groups.

While in office during his first term, Trump was impeached twice by the House of Representatives, but the Senate acquitted him both times.

The chamber first impeached him in 2019 on articles charging him with abuses of power and obstruction of justice. He is accused of offering Ukraine a quid-quo-pro: dig up dirt on Biden in exchange for military aid.

The second impeachment articles relate to his ongoing efforts to overturn the 2020 election and actions on January 6, 2021, when a violent mob stormed the Capitol. As lawmakers convened to certify the election results, Trump encouraged his supporters to attend a rally in DC to protest the joint session of Congress. Thousands showed up, including some from white supremacist groups and right-wing militias.

When speaking to the crowd, Trump did not explicitly call for violence, but encouraged his followers to "fight like hell" — many of those same followers stormed the Capitol moments later, overwhelming police and forcing lawmakers to flee. Five people died during or shortly after the event, including a Capitol police officer.

Congress reconvened to certify the election results in the early hours of January 7 and Biden was inaugurated on January 20, 2021. Meanwhile, Trump continues to deny that he lost the election in 2020, refusing to admit defeat.

After he left office, an avalanche of lawsuits against Trump piled up, many of which are stalled or are no longer being pursued after the election.

The former president has been charged in four criminal cases: a federal election interference case, a classified documents case, a Georgia election interference case, and a hush-money case. Trump had used money from two of his PACs to pay his legal fees.

In the federal election interference case, special prosecutor Jack Smith accused Trump of engaging in a broad effort to undermine Biden's 2020 win. Smith argued that Trump amplified false claims about voter fraud, pressured elected officials, and organized fake electors. He dropped the case after the 2024 election, but filed a report shortly before the inauguration saying that Trump would have been convicted if he hadn't won another term.

Smith also led the charge on a federal case accusing Trump of storing sensitive national security documents at Mar-a-Lago after removing them from the White House, and impeding the government from retrieving the documents. A Trump-appointed judge in Florida dismissed the case over highly controversial allegations that Smith's special counsel appointment was unconstitutional, a finding Smith's office appealed. The case was also ultimately dismissed after the election.

On May 30, 2024, Trump was convicted of 34 felony counts of falsifying business records related to hush-money payments made to Stormy Daniels, a porn star who alleges she had an affair with Trump. With the guilty verdict, Trump became the first former president to be convicted of a crime.

On January 10, 2025, the judge in that case sentenced Trump, cementing his felon status. The president did not receive any punishment, but the decision set off a new slate of legal questions, as Trump has pledged to appeal his criminal conviction.

Georgia's election interference case focused specifically on Trump's alleged attempts to overturn Biden's win in the state. District Attorney Fani Willis charged Trump and allies in August of 2023, though the case shrunk in scope and a judge dismissed several counts against Trump. The case was mired in scandals involving Willis' personal life, and her team was eventually disqualified. Willis is appealing the decision, which could take months. If Willis wins the appeal, she'll have to wait until Trump finishes his second term to re-start the case.

In addition to the criminal trials, a jury found Trump guilty of sexual abuse in a civil case brought by E. Jean Carroll. The saga, which has extended over two suits, related to Carroll's allegation that Trump raped her in a Manhattan department store and subsequently made defamatory statements. Together, they resulted in a verdict granting Carroll damages of $88.3 million. Trump appealed the cases but a jury upheld one of the verdicts in December, 2025. A spokesperson for Trump told BI he plans to keep appealing the verdict, which could keep the $5 million that Trump owes Carroll through that case frozen.

Donald Trump's political rise and the 2016 election

An ubiquitous presence in American life since the 1980s, Trump floated running for president since his early days as a businessman. People generally didn't take him seriously, and his political affiliations flip-flopped — he went from being a registered Democrat, to a registered Republican, to the front man for a remade American conservatism.

In 2012, Trump gained prominence in Republican circles for popularizing the "birther" theory — the racist and false claim that former President Barack Obama was not born in the United States. And in the summer of 2015, the prospect of a Trump presidential bid became much more real when he announced his candidacy at a campaign rally in New York City.

Throughout the 2016 campaign, Trump positioned himself as a political outsider and built his platform around economic prosperity, immigration, and a newly combative rhetoric. His campaign was mired in controversy — from the Access Hollywood tape where he bragged about groping women to his failure to quickly denounce the KKK — but he appealed to a wide swath of Americans.

Despite doing poorly in the early Iowa caucus, Trump triumphed in a series of primary wins and had a strong performance on Super Tuesday. After becoming the Republican nominee, Trump trailed Hillary Clinton in the polls but ended up victorious on November 8, 2016. He lost the popular vote by more than 2.8 million but won 304 electoral votes to Clinton's 227.

Donald Trump's first presidency

Once in the White House, Trump was quick to issue a slate of executive orders based on his campaign promises, including building a wall on the southern border and implementing his proposed "Muslim ban," which quickly faced legal challenges.

While running for office, Trump promised to repeal the Affordable Care Act, but doing so proved difficult and contentious, so he instead chipped away at the law. He also repealed many Obama-era environmental policies and withdrew from the Paris Climate Agreement because he said it damaged the economy.

Trump took an isolationist approach to foreign policy, imposing tariffs and withdrawing from revising long-standing trade agreements. On the economy, Trump pushed a $1.5 trillion tax cut package through Congress. Regarding the Supreme Court, he appointed three conservative judges and took credit for overturning Roe v. Wade.

By his final years in office, Trump was both president and candidate — he launched his reelection bid in June 2019. The COVID-19 pandemic upended both the election and spelled the end of Trump's presidency. President Joe Biden had accused him throughout the election of ignoring the crisis. Trump came down with COVID-19 himself during the final weeks of the campaign and received treatment at Walter Reed Medical Center.

When election day finally rolled around, Trump eventually lost both the popular and Electoral College votes. The race was extremely close in key states and took days to call. Trump declared victory one day after the election, before all the votes were tallied, and thus inaugurated his months-long campaign contesting the election results.

After leaving office in January 2021, Trump and Melania moved to Mar-a-Lago, where he has lived since leaving the White House.

Donald Trump's various marriages and children

Donald Trump has a marital history marked by various divorces and alleged affairs.

He met his first wife, Czech model Ivana Marie Zelníčková, in 1976 when she was in New York City for a fashion show. The two got married in 1977 and remained a fixture of the city's tabloid scene. They had three children together: Ivanka, Donald Jr., and Eric.

Rumors about Trump having affairs swirled throughout the marriage, including with American actor Marla Maples. Ivana and Trump divorced in 1992.

One year later, Maples had Trump's fourth child, Tiffany. The couple got married two months later but split up in 1999.

Trump's current wife, Melania Trump (née Knauss), is a Slovenian-American former model whom he met in 1998 at a mutual friend's party. The two dated on and off before tying the knot in 2004 at Mar-a-Lago. The star-studded guest list included the Clintons and Billy Joel.

Trump's fifth child, Barron Trump, was born in 2006. When Trump moved into the White House, Melania and Barron waited months before joining him at the residence.

In addition to his five children, Trump has 10 grandkids. The oldest, Kai, has already stepped onto the political scene and even spoke at the 2024 Republican National Convention.

Donald Trump's early life and family

Donald John Trump was born on June 14, 1946, in the Queens borough of New York City. At 78 years old, he was the oldest person to run for president. Compared to other former presidents, Trump has released relatively little information on his physical health.

In November 2023, his personal physician said measures of his physical health were within the normal range but did not provide details about his medication, blood pressure, or cholesterol. Standing at a reported height of 6 feet 3 inches, some have expressed concern about Trump's weight in the past.

His parents, real estate developer Fred Trump and Mary MacLeod, met at a party and got married in 1936. They had five children, with Donald Trump being their fourth. He attended a Presbyterian church as a child but doesn't appear to regularly attend church services.

Fred Trump made much of his fortune in New York City real estate and was the subject of a US Senate investigation related to taking advantage of a federal loan program.

As a teenager, Donald Trump attended New York Military Academy, a private military school. After graduating, he attended Fordham University in the Bronx for two years before eventually switching to the Wharton School of Finance and Economics at the University of Pennsylvania. Trump graduated from Wharton with a bachelor's degree in economics and talks about his time at the prestigious institution often.

Donald Trump's career in business and reality television

After graduating from college, Trump began working for his father and eventually became the president of a collection of family-owned companies that he later turned into the Trump Organization. Throughout the 1970s and 1980s, Trump expanded his father's business and invested in Manhattan hotels. He was buoyed along by financial and social help from his father, whose New York connections ran deep.

In 1983, Trump opened Trump Tower on 56th Street and 5th Avenue, where he later had an apartment. That same decade, Trump started investing in casinos and bought Mar-a-Lago, his resort in Palm Beach, Florida.

The 1990s recession harmed Trump's businesses and he was forced to sell various assets, as well as commit to a personal budget. His luck largely changed by the end of the 1990s, though his casinos continued to struggle.

Trump profited from his name throughout his long business career, selling everything from branded cologne and steaks to putting his name on an online education company. In 2018, The New York Times published a lengthy investigation detailing how Fred Trump funneled money to his son. The outlet reported Donald Trump received the equivalent of $413 million from his dad by the early 2000s. (Trump declined the Times's request for comment on the article at the time; a Trump spokesman at the time said there had been no fraud or tax evasion.)

In 1996, Trump teamed up with NBC to buy the Miss Universe Organization, which encompasses the Miss Universe, Miss USA, and Miss Teen USA beauty pageants. Trump then starred in a reality television show of his own — "The Apprentice." The Emmy-nominated program made him nearly $200 million over 16 years and boosted his image as a self-made billionaire.

Trump's net worth was $3.8 billion as of September 2024, according to Forbes's calculations.

• President Donald Trump ordered the Gulf of Mexico to be renamed the Gulf of America.
• Google has agreed to honor the name change, while Mexico is pushing back.
• Experts say the name change reflects much deeper issues and could have larger implications.

President Donald Trump's decision to rename the Gulf of Mexico is more than just geographical nitpicking — it's a political move that shows how he wants to be perceived by the world, experts in international law and geography say.

The move could cause a headache for Google, which has said it will go with Trump's renaming on its platform, and it has the potential to worsen US-Mexico relations, the experts said.

There's also the issue of whether Trump has the authority to change the internationally agreed-upon name of a body of water to begin with, which is up for debate.

Can the US rename a body of water?

In one sense, countries can call geographic features whatever they want within their own jurisdiction, said Ian Hurd, a political science professor at Northwestern University who researches international law.

"Countries name and rename features in their countries as they wish, and renaming is pretty common especially when a new government wants to differentiate itself from past practices," Hurd told Business Insider.

For example, he said, the Indian government has renamed many of the country's cities to emphasize decolonization or Hindu nationalism, and many Russian place names changed throughout the 20th century.

And outside each country, "there is no formal body to decide on what things are called," Hurd said.

There is a consultive body within the United Nations called the Group of Experts on Geographical Names that encourages international coordination and standardization of cartographic names. But, the group does not have binding authority and countries do not have to follow its recommendations.

While individual states can make their own decisions about what to call a place, that doesn't mean they have the authority to rename an international body of water either, said Matthew Zierler, a political science professor at Michigan State University who studies foreign policy and international law.

"So renaming Denali to McKinley is within the United States' purview, but the Gulf of Mexico is a different issue," Zierler told BI. "Internationally, there have always been differences among countries about what to name specific bodies of water, islands, etc."

"Names reflect culture, history, and identity, so the disagreements between countries on what to refer to a place are real," but the core of the issue, he said, "is political rather than legal."

What the name change means for Google

Following President Trump's executive order to rename the gulf in America's likeness, Google agreed last week to implement the change. In a post on X, Google said it would begin changing the name for US users of its maps once it has been officially entered in the US Geographic Names System, spurring Mexico's president to push back in a letter to the company.

"We have a longstanding practice of applying name changes when they have been updated in official government sources," Google wrote in its X post.

The tech giant said in a follow-up comment that "when official names vary between countries, Maps users see their official local name," and the rest of the world sees both names appear on their map.

Although the name change was handed down by executive order from the president, Google has absolutely no legal requirement to adopt this naming convention, nor does any other private entity, Mark Lemley, a Stanford law professor and longtime tech observer, told Business Insider.

"And indeed," Lemley said, "If they were required to do so, they would be in a difficult position because other countries officially call it different things."

Because Google is not required to follow Trump's name change order, its decision to do so anyway is, in essence, a political one, experts said.

"Google and other mapmakers are not focused on the law. They want to remain in business, and will tend to follow the direction of the countries they are operating in," Zierler said, adding that while this may be confusing to some, "I think it is quite clear to most that names are symbolic."

Historically speaking, Google's decision to abide by Trump's name change is not unprecedented.

"Throughout history, cartographers have often served the interests of the powerful, so it is not surprising to see a company like Google follow suit with these name changes," Reuben Rose-Redwood, a professor of geography and director of the Critical Geographies Research Lab at the University of Victoria, told BI.

Google did not respond to a request for comment from BI.

Implications for the US and its relations with Mexico

Some legal experts said Trump's decision to rename the Gulf of Mexico says a lot about how he wants himself, and the US, to be perceived by the world.

"Most name-changes arise from culture-war politics," Hurd told BI. "Nationalist governments often project an image of power by giving ideologically laden names to places. This appears to be the motivation in Trump's claim to the 'Gulf of America.'"

And that can send an unintended message to the world, Hurd added.

"Changing names is often a sign of weakness by a leader rather than strength," Hurd said. "It reveals their insecurities about their place in the world."

And Trump's "Gulf of America" order does not reflect well on the state of US-Mexico relations, nor on the countries' future rapport, Zierler said.

"The potential for this to be a major dispute between the US and Mexico is real," Zierler told BI.

But the name change itself, he said, "is secondary to other issues the US President has with Mexico over immigration and trade."

Mexico is concerned, as are other countries, about "United States unilateralism and being pushed around," Zierler said. "The naming dispute is emblematic of that."

Mexican President Claudia Sheinbaum isn't thrilled about Trump's order to change the Gulf of Mexico's name or Google's decision to honor it.

In a letter to Google presented on Thursday, Sheinbaum urged Google to reconsider changing the 400-year-old name of the body of water on its maps, Reuters reported.

"[The name change] could only correspond to the 12 nautical miles away from the coastlines of the United States of America," Sheinbaum said in Spanish as she read the letter in a morning press conference, according to Reuters.

Mexico argues the US has no legal right to change the name of the body of water — which borders the US, Mexico, and Cuba — because the United Nations Convention on the Law of the Sea mandates that a country's territory only stretches up to 12 nautical miles out from its coast, Reuters reported.

When Trump floated the name change idea before taking office last month, Sheinbaum responded by joking that parts of North America should be renamed Mexican America, because a world map from 1607 named it as such.

"Why don't we call it América Mexicana? That sounds nice, no?" she said at a press briefing at the time.

As for what Google's top competitor will call the gulf, Apple has not indicated whether it would change the gulf's name in its own maps. The company did not immediately respond to Business Insider's request for comment.