Former U.S. Vice President Joe Biden warned that he wouldn’t let President Donald Trump declare victory in Tuesday’s election before the results are clear. The Democratic nominee said this after it was reported that Trump told associates he intends to declare victory early if the results show him ahead, even if the outcome isn’t known. On Monday, Trump lost a bid to block some ballots from being counted in swing-state Nevada, and his supporters lost a federal court effort to nullify drive-through votes in Texas, now considered a toss up state. As the two men make their final pitch to voters, here is the latest news on the final day of the 2020 campaign. Tomorrow, a new phase begins. —David E. Rovella

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Here are today’s top stories

Since the coronavirus struck at the beginning of 2020, at least 46.5 million people have been infected and more than 1.2 million have died. America has led the world in infections and deaths. The richest nation has confirmed more than 9.2 million infections and 231,000 dead, making Covid-19 one of the critical issues upon which the election turns. Here is the latest on the pandemic. 

U.S. stocks rebounded from their worst week since March as investors bet on the energy, materials and industrial sectors ahead of Tuesday’s election. Crude oil rose the most in more than three weeks.

Wondering what assets top investors are piling into as they confront the triple threat of pandemic, global recession and potentially explosive U.S. election? Here are a few of their favorite havens.

With campaign spending coming to a record-breaking conclusion, the political donations of American workers provide a snapshot of the leanings among employers and occupations this election. Here is who is giving money, and to which candidate.

Here is Bloomberg’s hour-by-hour guide for what to look for as American voters choose a president, decide who controls the Senate, pick their House representatives and weigh in on local races and ballot issues. 

Chinese electric carmaker Nio soared 21% on Monday after the company said it delivered more than 5,000 vehicles in October, doubling its sales over the prior-year period.

What happens if work from home life becomes permanent? As office buildings sit vacant, some see a new role as apartments. 

What you’ll need to know tomorrow

• Businessweek: Why the U.S. has “electors” choose its president.
• These are the airlines teetering on the brink of Covid-19 ruin.
• In private, Trump was very afraid of getting the coronavirus.
• The city with the world’s worst transport system tries to modernize.
• Apple’s breakup with Intel starts next week with new Mac computers.
• This global soccer superstar has a new job as a venture capitalist.
• Chicken wings are so expensive this wing chain may sell thighs.

What you’ll want to read in Bloomberg Politics

The 2020 Election Vocabulary You Need to Know

A close election could introduce a slew of new voting terms to Americans trying to figure out whether Biden or Trump won. The pandemic has driven record numbers of people to vote by mail, so if the election is close, the aftermath is likely to spawn controversies and lawsuits over some of the more arcane procedures of elections officials in battleground states. In 2000 it was hanging chads. This year, there are some new terms.

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