Here are AP Business News' latest coverage plans, top stories and promotable content. All times EST.

Here are AP Business News' latest coverage plans, top stories and promotable content. All times EST.

New & Developing:

—Adds: ON SEMICONDUCTOR-FAIRCHILD SEMICONDUCTOR-ACQUISITION, CONGRESS-CALORIES ON MENUS, VOLKSWAGEN-UNION, TACO BELL-FIRST STORE

TOP STORIES:

EUROPE-FED-CROSSROADS — In a high-stakes juncture for the global economy, the central banks of Europe and the United States are set to take opposing actions in December: the European Central Bank to cut rates, the Federal Reserve to raise them. For the struggling eurozone, it can't happen soon enough. By David McHugh. SENT: 820 words, photos.

ON THE MONEY-MILLENNIAL SAVINGS — Millennials, it's time to pick up the phone and start saving. That's the message from a new breed of financial apps and services that are catering to young people who are ignored by traditional banks and brokerage firms. By Joseph Pisani. SENT: 700 words.

SMALLBIZ-SMALL TALK — Deaf entrepreneurs find ways to build a business in a hearing world, overcoming issues like prejudice, ignorance and a lack of resources. Technological resources like the Internet, email and videophone services help them communicate with people who can hear, making it easier to conduct business than it was decades ago. By Joyce Rosenberg. SENT: 930 words, photo, video.

ONLY ON AP-STUDENT DEBT COLLECTION — Fall behind on your student loans these days and you could end up getting more than hectoring phone calls and threatening letters. More and more people are being taken to court, attorneys tell the AP exclusively. By Dave Collins. SENT: 900 words, photo, graphic, interactive.

MARKETS & ECONOMY:

FEDERAL RESERVE-MINUTES — Federal Reserve officials believed last month that the economic conditions needed to trigger the first interest rate hike in nearly a decade could "well be met" by their next meeting in December. By Martin Crutsinger. SENT: 550 words.

HOME CONSTRUCTION — Apartment construction plunges sharply in October, as the pace of homebuilding slips amid a broader cooling of the real estate market. By Josh Boak. SENT: 640 words, photo.

FINANCIAL MARKETS — U.S. stocks notch their best day in nearly four weeks as investors welcome new hints pointing to a Federal Reserve interest rate hike in coming weeks. Traders are also encouraged by more corporate deal news. By Alex Veiga. SENT: 800 words, photo.

BANK SETTLEMENT — New York regulators say the British bank Barclays will pay a $150 million penalty and fire an executive for misconduct related to its automated electronic foreign exchange trading. SENT: 160 words.

EARNINGS:

EARNS-TARGET — Target says its sales rose 1.9 percent at established locations in the third quarter, marking the fourth consecutive quarter the retailer has increased customer visits. SENT: 400 words, photo.

EARNS-LOWE'S — Lowe's third-quarter results beat analysts' estimates as its sales rose, buoyed by the ongoing housing market recovery. SENT: 300 words, photo.

AUTOS:

AIR BAG RECALL-MODELS — Cars and trucks from the 2008 model year or older that were originally sold or registered in high humidity areas along the U.S. Gulf Coast are getting top priority for repairs as the government commences the massive Takata air bag inflator recall. By Tom Krisher. SENT: 620 words, photo.

With: AIR BAG RECALL-MODELS-GLANCE — SENT: 670 words.

FORD-UAW CONTRACT — Leaders of the United Auto Workers are making a push for the union's proposed contract with Ford, which is heading for defeat in votes at Ford's plants. SENT: 360 words.

VOLKSWAGEN-UNION — The National Labor Relations Board grants the United Auto Workers petition for a union vote for skilled trades workers at the German automaker's lone U.S. plant in Tennessee. By Erik Schelzig. SENT: 550 words.

AUTO SHOW-HOT CARS — A Mercedes SUV, a new Hyundai Elantra, a redesigned Ford Escape and more. A look at the cars to watch at the Los Angeles Auto Show. SENT: 810 words.

BEHIND THE WHEEL-2016 FORD ESCAPE — The Ford Escape gets better for 2016 with a new, easy-to-operate version of its Sync onboard communications and control system that's quicker to respond and more user-friendly. By Ann M. Job. SENT: 620 words, photo, box.

INDUSTRY:

CANADIAN PACIFIC-NORFOLK SOUTHERN OFFER — Canadian Pacific offers more details and defends its offer to join two of North America's biggest railroads, but Norfolk Southern offers only a lukewarm response and regulators express significant concerns about any rail mergers. By Tom Murphy and Josh Funk. SENT: 700 words, photo.

KEYSTONE PIPELINE-NEBRASKA — The developer of the Keystone XL pipeline remains committed to completing the final leg of the project even though President Barack Obama denied the Canadian company's request for a federal permit, a spokesman said Wednesday. By Grant Schulte. SENT: 480 words.

CONAGRA-SPINOFF — ConAgra Foods is spinning off its frozen potatoes business in an ongoing effort to intensify its focus on key name brand foods. SENT: 300 words, photo.

TACO BELL-FIRST STORE — Taco Bell to save its first location by lifting it and moving it to its headquarters. SENT: 200 words, photo.

DUNKIN'-DONUTS-DELIVERY — Dunkin' Donuts is testing delivery and on-the-go ordering in Dallas this week and spread to Atlanta, Chicago, Los Angeles and Washington in coming weeks. SENT: 150 words.

UNSAFE TOYS — A consumer watchdog group says dinosaur claws inspired by the movie "Jurassic World," and a mushy substance that looks like poop are among the worst toys for Christmas this year. SENT: 500 words, photos.

CLIMATE-COAL — A compromise struck by the United States, Japan and several other major nations will restrict export financing to build coal power plants overseas, but not eliminate it completely. By Ken Moritsugu. SENT: 300 words.

CONGRESS-CALORIES ON MENUS — House bill would make it easier for supermarkets, pizza chains to comply with calorie labeling. SENT: 130 words. Will be expanded.

TECHNOLOGY & MEDIA:

PALESTINIANS-CHALLENGING CHECKPOINTS — A pair of new mobile apps hopes to help Palestinians navigate their way around snarled traffic at Israeli checkpoints in the West Bank, offering a high-tech response to an intractable problem: constant, burdensome and often seemingly random restrictions on movement. By Areej Hasboun. SENT: 940 words, photos.

UNIVISION-STREAMING — Univision is the latest media company to offer a streaming service as it prepares for an initial public offering. By Tali Arbel. SENT: 230 words, photo.

MICROSEMI-PMC-SIERRA-ACQUISITION — Microsemi, a maker of semiconductors, boosts its buyout offer for chipmaker PMC-Sierra again, two days after PMC-Sierra said it preferred a deal with rival Skyworks. SENT: 180 words.

ON SEMICONDUCTOR-FAIRCHILD SEMICONDUCTOR-ACQUISITION — ON Semiconductor to buy Fairchild Semiconductor for about $2.3 billion.

INTERNATIONAL:

APEC-TRADE — The Trans-Pacific Partnership trade deal between the U.S. and 11 other Pacific nations is drawing potential new members from Asia and criticism from those excluded, as it heads for a tough ride in the U.S. Congress. By Elaine Kurtenbach. SENT: 680 words, photos.

With: APEC — Chinese President Xi Jinping seeks to reassure regional economic and political leaders that his government will keep the world's No. 2 economy growing. By Elaine Kurtenbach. SENT: 600 words.

DUBAI-BURJ AL ARAB — If you don't have an extra $15,000 or so to spend on a night in a royal suite at Dubai's luxury Burj Al Arab hotel, there's now an online tour that offers a free virtual glimpse of its extravagance. SENT: 130 words. Link: Burj Al Arab virtual tour: http://inside.jumeirah.com

MONEY & MARKETS SUMMARY:

CENTERPIECE — The country's five biggest for-profit hospital groups may look like bargains, following share price drops of 20 percent or more since summer. UPCOMING: Graphic expected by 6 p.m.

COMPANY SPOTLIGHT — ConAgra Foods is spinning off its frozen potatoes business to concentrate on its Chef Boyardee and other brands. UPCOMING: Graphic expected by 6 p.m.

HOW TO REACH US:

Business News Supervisor Richard Jacobsen (800-845-8450, ext. 1680). For photos (ext. 1900.) For graphics/interactives (ext. 7636.) Expanded AP content: http://www.apexchange.com. For access to AP Exchange and technical issues: customersupport@ap.org, or 877-836-9477. Questions about transmission of financial market listings, call 800-3AP-STOX.

The full digest for AP's Money & Markets service can be found at markets.ap.org. For questions about M&M content, contact Stan Choe (800-845-8450, ext. 1807). For technical support: Todd Balog (816-654-1096).