Applying to jobs is tough, try doing it 2,200 times

1. Lower mortgage rates won’t unlock the housing market. Mortgage rates are inching lower as the market expects Fed cuts, which will allow more buyers to afford a home. But Zillow’s chief economist sees some other potential issues that could send home prices soaring again.
2. There’s one debate question both Trump and Harris dodged. Neither candidate gave much detail about how they will fix the economy, leaving many Americans confused about taxes and tariffs. Here’s what you need to know about Harris’ “opportunity economy” and how it compares to Trump’s plan.
3. Starbucks’ new CEO wants you to stay a while. Brian Niccol hinted the chain may have gotten a little too convenient in an open letter published Tuesday, his second day on the job. “We’re committed to elevating the in-store experience,” Niccol wrote — giving a clue about the changes he’ll oversee at the chain.

In other news

• Elon Musk explains his 80/20 prediction for what AI means for humans.
• I watch the NFL and other live sports for free with this easy, old-school hack. You can, too.
• Video game actors fight for AI protections and compensation for their ‘digital replicas’ amid a gaming market slowdown.
• Taylor Swift used her VMA acceptance speech to drop her 2nd political message in 24 hours.

What’s happening today

• Kroger and other companies report earnings.
• London Fashion Week begins..

The Insider Today team: Dan DeFrancesco, deputy editor and anchor, in New York. Hallam Bullock, senior editor, in London. Milan Sehmbi, fellow, in London. Amanda Yen, fellow, in New York.