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: INSURANCE CO-OP TROUBLE, ATLASSIAN, ELECTRIC CAR STARTUP-NEVADA, PLAYOFF-DFS ADS, FED-BANK OF AMERICA, YAHOO CEO-TWINS

TOP STORIES:

VOLKSWAGEN — A small group of Volkswagen engineers began working as early as 2005 on emissions cheating software after they were unable to find a technical solution to U.S. emissions controls as the automaker pushed into the North American market, executives say. By David Rising and Kerstin Sopke. SENT: 850 words, photos.

CLIMATE COUNTDOWN-TRADING POLLUTION — Widely derided by politicians on the left and the right, once thought dead even by its supporters, the idea of allowing companies to buy and sell pollution rights to fight climate change is now at the fore again as world leaders at the Paris climate conference grope for ways to avert environmental havoc. By Bernard Condon. SENT: 1,100 words, photos.

OF MUTUAL INTEREST-GET CONCENTRATED — It's been a rough few years for stock-picking fund managers, as investors dump them for the higher returns and lower expenses of index fund. But stock pickers say conditions are starting to turn in their favor, and some are doubling down on their strategy and paring down the number of stocks in their portfolio. While that can mean higher returns, it also means higher risk. SENT: 850 words.

INSURANCE CO-OP TROUBLE — The lone health insurance cooperative to make money last year on the Affordable Care Act's public insurance exchanges is now losing millions and cutting off individual enrollment for 2016. By Tom Murphy. SENT: 360 words.

WAL-MART-PAY — The mobile payment wars are heating up. Wal-Mart Stores Inc. says it's testing its own mobile payment system that will allow shoppers to pay with any major credit or debit card or its own store gift card through its app at the cash register. By Anne D'Innocenzio. SENT: 980 words, photo.

ONLY ON AP:

CHINA-FAKE INVESTIGATORS — China's anti-counterfeiting investigations industry is rife with double-dealing by freelance investigators who boost their commissions by producing the fakes they are paid to fight. By Erika Kinetz. SENT: 3,300 words, photos. Abridged version, 900 words, also available.

With:

— CHINA-FAKE INVESTIGATORS-SHAMPOO SCAM — A counterfeit shampoo case reveals the perils of honesty in China's anti-counterfeiting industry. SENT: 430 words.

— CHINA-FAKE INVESTIGATORS -THINGS-TO-KNOW — An Associated Press investigation found widespread fraud in China's murky anti-counterfeiting investigations industry. Some things to know. SENT: 340 words.

MARKETS & ECONOMY:

FINANCIAL MARKETS — Investors take a chance on some beaten-down shares, helping the U.S. stock market to its first gain in four days. By Bernard Condon. SENT: 550 words, photo.

UNEMPLOYMENT BENEFITS — Applications for U.S. jobless aid climb last week, but the number of Americans seeking benefits remains close to historic lows in a positive sign for the job market. By Josh Boak. SENT: 240 words.

BUDGET DEFICIT — The federal budget deficit widened in November, driven by higher spending in areas as such as Social Security, Medicare and defense. By Martin Crutsinger. SENT: 400 words, photo.

MORTGAGE RATES — Average long-term U.S. mortgage rates edges higher this week following three straight weeks of declines, amid expectations that the Federal Reserve will raise its key short-term interest rate next week. By Marcy Gordon. SENT: 380 words.

NET WORTH — The stock market's sharp decline in August and September took its toll on Americans' finances in the third quarter. Household net worth fell for the first time in four years. By Christopher R. Rugaber. SENT: 360 words.

BUDGET BATTLE — White House and congressional negotiators searched for compromise Thursday on huge tax and spending bills with a combined price tag of well over $1 trillion, with leaders hoping to clinch agreements and let Congress adjourn for the year next week. SENT: 860 words.

UNITED NATIONS-WORLD ECONOMIC FORECAST — The United Nations says the world economy stumbled in 2015, with growth estimated at just 2.4 percent and developing countries and the former Soviet bloc among the regions hardest-hit. SENT: 400 words.

ATLASSIAN-IPO — Shares of Australian software maker Atlassian soar 30 percent in stock market debut. SENT: 200 words.

INDUSTRY:

CHIPOTLE-FOOD SAFETY — Chipotle founder and co-CEO Steve Ells says he is "deeply sorry" about the customers who were sickened after eating at the chain in recent weeks. SENT: 530 words.

MEN'S WEARHOUSE — Men's Wearhouse is struggling as it tries to figure out the best strategy for its business since buying rival Jos. A. Bank. SENT: 400 words, photos.

GM-IGNITION SWITCH DEATHS — Lawyers hired to compensate victims of General Motors' faulty ignition switches have paid out $594.5 million to settle 399 eligible claims. By Tom Krisher. SENT: 400 words.

SWITZERLAND-GLENCORE — Grappling with a severe slump in metals prices, commodities group Glencore says its three-month-old plan to cut its towering debt is ahead of schedule. By Jamey Keaten. SENT: 420 words.

CHEMICAL SPILL-LAWSUIT — Two former Freedom Industries executives have agreed to a settlement in a class-action lawsuit stemming from a chemical spill that tainted tap water for 300,000 people. SENT: 140 words.

BERKSHIRE HATHAWAY INVESTMENT — Warren Buffett now owns 8 percent of Seritage, the real estate investment trust Sears created. SENT: 120 words.

FED-BANK OF AMERICA — Fed approves new Bank of America capital plan; sees progress in fixing plan weaknesses. SENT: 250 words.

TRANSPORTATION & AUTOS:

AUTOS-SAFETY RANKINGS — Japanese brands dominate the insurance industry's rankings of the safest vehicles for the 2016 model year. By Dee-Ann Durbin. SENT: 360 words, photo.

ELECTRIC CAR STARTUP-NEVADA — Nevada governor unveils tentative $335 million agreement to attract electric carmaker's plant. SENT: 540 words, photos.

CHINA-AUTO SALES — China's auto sales grew at this year's fastest rate in November as Chinese manufacturers took market share from global rivals, helped by the popularity of their lower-priced SUVs. By Joe McDonald. SENT: 500 words.

COMMERCIAL DRIVERS-HOURS— An estimated 3 million commercial truck and bus drivers must electronically record their hours behind the wheel under a new government rule aimed at enforcing regulations designed to prevent fatigue. By Joan Lowy. SENT: 590 words, photo.

FIAT CHRYLSER-FINE — Fiat Chrysler will pay a $70 million fine to the U.S. government for failing to report safety data. SENT: 410 words.

TECHNOLOGY & MEDIA:

YAHOO CEO-TWINS — Yahoo CEO gives birth to twin girls after unveiling plan to create new holding company. SENT: 350 words, photo.

MOROCCO-ONLINE MEDIA — The newest entry to Morocco's media scene has already reported on a disgraced former foreign minister and a scandal about blackmailing the king. The investigative website Le Desk is the latest example of the accelerating migration of Moroccan journalism away from heavily restricted print and broadcast outlets toward the less-regulated online media scene. By Samia Errazzouki. SENT: 880 words, photos.

AMAZON-1-HOUR ALCOHOL DELIVERY — Amazon.com is getting into the holiday spirit, adding booze to its one-hour delivery service in Manhattan. SENT: 150 words, photo.

GLOBE-MOVE — The Boston Globe will move its headquarters from Boston's Dorchester neighborhood, on the outskirts of the city, to a downtown State Street location in January 2017. SENT: 130 words.

PLAYOFF-DFS ADS — No daily fantasy ads to run during telecasts of College Football Playoff games on ESPN. SENT: 150 words.

INTERNATIONAL:

ASIA-MEGACITIES SWAMPED — Projections that seas will rise by a meter this century put many of Asia's power-house megacities including Shanghai, Mumbai, Jakarta and Bangkok under water, yet few have any plans for where their tens of millions of citizens will go. By Katy Daigle. SENT: 1,200 words, photos.

IRAQ-KURDISH ECONOMIC CRISIS — War with Islamic State, low oil prices cripple once-vibrant economy in Iraq's Kurdish region. By Balint Szlanko. SENT: 640 words, photos.

BRITAIN-ECONOMY — The Bank of England opts to keep interest rates at a record low of 0.5 percent — marking its sixth calendar year in a row in which there's been no change. SENT: 130 words.

GREECE-ABANDONED WEALTH-PHOTO GALLERY — A gallery of photos by Associated Press staff photographer Petros Giannakouris showing some of the factories, plants and offices left vacant by the financial crisis. SENT: 200 words, photos.

PORTUGAL-AUSTERITY — Portugal's new anti-austerity Socialist government has hit a snag: it needs to introduce more cutbacks to keep its pledge of getting the budget deficit lower than 3 percent this year, as demanded by its eurozone partners and creditors. SENT: 310 words.

MONEY & MARKETS SUMMARY:

COMPANY SPOTLIGHT — Shares of men's clothing retailer Men's Wearhouse are plunging again as sales the company's Jos. A. Bank business are getting worse. UPCOMING: Graphic expected by 6 p.m.

CENTERPIECE — Is Groupon doing enough to turn itself around, or is it just bailing water out of a sinking ship? 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).