SCROLL NEWS / DISCOVERY
Search headlines
Find the stories shaping the conversation.
Results for " saving " 748 found 🔀 AI-powered Shuffle
Why Business Valuation Matters More for an S Corporation When Considering QSBS Tax Benefits
Section 1202 of the Internal Revenue Code offers business owners, including potentially S corporation owners, an extraordinary opportunity: the ability to Learn why an independent business valuation matters when restructuring an S corporation for QSBS tax benefits, including eligibility and potential tax savings.
Daylight saving time ends Sunday: How the time change can impact your mental health
As daylight saving time comes to an end early Sunday morning, standard time returns — bringing earlier sunsets, shorter days and an extra hour of sleep.
Health experts offer tips as daylight saving time ends this weekend
Clocks will fall back one hour this weekend, marking the end of daylight saving time.
Women could soon buy this life-saving drug over the counter
Some types of vaginal estrogen could become available over the counter, a top official tells USA TODAY. It could help prevent UTIs in menopause.
Will daylight saving time ever become permanent? Health experts hope not
Clocks turn back an hour this weekend. A new study warns that year-round daylight saving time would mean millions more dark school commutes, with greater risk of deadly crashes.
Reproductive Rights Left on the Table: Senator Cappelletti Reflects on Unfinished Business as Legislative Session Concludes
Harrisburg – October 30, 2026 – The Pennsylvania Senate recessed last Wednesday, October 22, with only two additional session days scheduled through the end of the 2026-2027 legislative session. As the chamber recessed—currently controlled by Republicans—the Senate left hundreds of bills on the table, including several that would advance reproductive freedoms in the Commonwealth. Senator Amanda M. Cappelletti (D-17, Delaware/Montgomery) said many of these state-level protections are critical for Pennsylvanians as Republicans in Washington continue to dismantle the nation’s healthcare infrastructure. “Wrapping up this legislative session and looking ahead to next Tuesday, access to abortion care is at the very top of my mind. I’m deeply disturbed that the majority party in our chamber was once again unwilling to come to the table and move lifesaving legislation that would protect basic healthcare in Pennsylvania,” said Senator Cappelletti, who served as the Director of Policy for Planned Parenthood Pennsylvania Advocates prior to her time in the legislature. Senator Cappelletti has proposed several bills to address reproductive healthcare, and three proposals to protect abortion care were left on the table for the third session in a row since she introduced them. On November 30, 2026, all legislative proposals not signed into law […]
Young students give new teachers infections; the daylight saving time debate; circadian depression; plus other stories with Vanderbilt Health sources
William Schaffner, MD, Professor of Preventive Medicine, was quoted by several news outlets about public health issues, including: Axios Nashville (flu season beginning early); Prevention (how long does norovirus last?); Education Week (how young students make new teachers sick). AAMC News posted a story about the debate about whether to eliminate the twice-yearly time change, and, if so, whether to permanently stay on standard or daylight time. Beth Malow, MD, director of the Vanderbilt Sleep Center, is quoted in the piece. A Men’s Health story on circadian depression, a type of depression caused by an out-of-synch internal clock in the brain, quotes Aaron Brinen, PsyD, Assistant Professor of Psychiatry and Behavioral Sciences. Michael Lester, MD, Assistant Professor of Medicine, was quoted in a Medscape story about treating chronic bronchitis with bronchial rheoplasty. Shravani Durbhakula, MD, Associate Professor of Anesthesiology, was quoted in a CNN piece about the drug cychlorphine. Art Dalley, PhD, Professor of Cell and Developmental Biology, emeritus, was quoted in a story in The Guardian about anatomical donation. The National Multiple Sclerosis Society quoted Subramaniam Sriram, MBBS, Professor of Neurology and Director of the Vanderbilt Multiple Sclerosis Center, in a story on its website about the differences in brain and spinal cord lesions in MS. (Note: some links may require registration or subscription)
How does daylight saving time affect our health?
The chicken or the egg? Cats or dogs? What about pineapple on pizza?
MO marijuana businesses await IRS rules on promised federal tax relief
Missouri marijuana firms are struggling to determine what they can claim in federal tax savings without clear IRS guidance on separating costs.
Year-Round Daylight Saving or Standard Time? Science Says 1 Is the Best Option
Congress is considering moving America to permanent daylight saving time. Scientists say they should do this instead.
Daylight saving time is ending: Doctor breaks down 6 ways to protect your sleep and health
Turning the clocks back disrupts sleep and mood. Dr. John La Puma shares six tips, from schedule shifts to chamomile tea and limiting screen time.
Senate is skeptical about making daylight saving time permanent despite Trump's pressure
WASHINGTON (AP) — The Senate is unlikely to act before the end of the year on a House-passed bill that would make daylight saving time permanent, defying President Donald Trump and dashing the hopes of Americans who don’t like having to change their clocks twice a year. As daylight saving time ends early Sunday and much of the country turns the clocks back an hour, several senators are holding up legislation that would eliminate the
Fall Back, But Should We? The Science Behind the Time Change
Daylight Saving Time ends this weekend, reigniting debates over health risks, political gridlock and whether science points to a better way
Rising Healthcare Costs Force Cuts to 401(k) Savings: LIMRA
LIMRA research finds rising healthcare premiums are forcing workers to reduce retirement contributions, especially Gen Z employees
Permanent Daylight Saving Time is dangerous for kids, new research says
The 'Sunshine Protection Act' would leave children in the dark.
RWJBarnabas Health Raises Awareness of Stroke Warning Signs and Importance of Early Intervention This World Stroke Day
In recognition of World Stroke Day, RWJBarnabas Health shares the inspiring recovery story of 35-year-old stroke survivor Mat Mahoney, highlighting the importance of recognizing stroke symptoms, seeking immediate medical attention and accessing coordinated, specialized stroke care. Following a life-saving mechanical thrombectomy at Cooperman Barnabas Medical Center, Mat is sharing his experience to remind others that strokes can happen at any age.
American Express Connects Cash Back to High Yield Savings Accounts and Business Checking Accounts
NEW YORK, October 29, 2026--Today, American Express introduced a new way for eligible U.S. Consumer and Business Cash Back Card Members to redeem rewards for a deposit into eligible American Express bank accounts, creating a more integrated experience across their Card and banking products and giving customers more options in how to redeem the rewards they earn.
Does ‘Falling Back’ an Hour Hurt Your Heart? A Doctor Shares Tips to Get Through
In TODAY.com’s Expert Tip of the Day, a doctor reveals the best way to deal with the upcoming end of daylight saving time and the changes it brings to daily routine.
Clocks fall back Nov. 1: Sleep specialist on health impacts and how to adjust
Daylight Saving Time ends on Nov. 1, so clocks will be set back an hour. While many will welcome an extra hour of sleep on Halloween night, changing the clocks twice a year carries health impacts.
Looking for an ACA Marketplace health plan? Here's where to start
How much will your plan cost? Do you qualify for savings? Here’s how to find out the info you need to navigate the Health Insurance Marketplace
Daylight Saving Impact on Health | Johns Hopkins Bloomberg School of Public Health
Congress wants to “lock the clock” to daylight saving time, but scientists argue permanent standard time is better for our health.
CMU Nursing Students Take Lifesaving Skills Into the Community
Each semester, Colorado Mesa University nursing students organize a health fair inside the University Center, where they set up CPR mannequins and ask students, staff and faculty passing by if they have a few minutes to practice a skill that ...
Daylight Saving Time Change Has Impact for Golf, Sports TV in U.S.
As the clocks move back, the PGA Tour is among groups supporting year-round daylight saving time. Other sports might benefit from the extra darkness.
How does daylight saving time impact your health?
Sleep is impacted, as well as metabolism, mental health and vascular health.
Hospital Beds for the Nation’s Sickest Kids Are Disappearing
Hospitals nationwide are cutting intensive services for kids in critical care. Many cite too few patients, staffing shortages, and money problems. As a result, kids who need lifesaving care must travel farther. Pediatricians expect more cutbacks in the wake of federal Medicaid cuts.
Washburn students share how seasonal change impacts mental health
We’re just five days away from falling back an hour, marking the end of daylight saving time.
Kashmir’s springs are drying up. Scientists say saving them starts uphill
Shafeeqa, a 40-year-old resident of Cherwan village in Ganderbal district, north of Srinagar in Kashmir Valley, remembers a spring that once flowed with enough force to make diverting its water toward agricultural fields a difficult task. During her teenage years, she recalls, the water rushed so powerfully that her brother was once carried along by […]
Amazon Business Adds AI Procurement Tools, Building on $60B Marketplace Momentum
At its annual Reshape conference, Amazon Business introduced new AI-powered procurement and analytics capabilities designed to simplify purchasing and demonstrate savings. Here's the details and our analysis.
Mercy Health Foundation awards life-saving equipment to Heartland organizations
Mercy Health Foundation Southeast awarded nine automated external defibrillator devices to Heartland organizations and non-profits.
A Game Saving Block Earns Blake Herold an Award
Blake Herold Earns Big 12 Special Teams Player of the Week
Schefter: Seahawks among teams ‘expected to consider’ Jonathan Taylor trade
The Seahawks are “pondering” adding Taylor in hopes of saving their run game.
Couple Turns Lifelong Dream of Saving ‘Old, Dilapidated’ N.Y.C. Brownstones into a Growing Business (Exclusive)
One couple has turned their passion for restoring historic New York City guesthouses into a family business while raising three daughters and renovating every property during a pregnancy.
HSA users can pay for prescriptions, copays and more while building long-term savings
As open enrollment season approaches, consumers reviewing their health insurance options may want to consider a health savings account, or HSA, as a way to save money on health care expenses.
Kroger's 3,000 Corporate Job Cuts Made the News, But the Real Test Is What It Does With the Savings
Cutting costs strengthens a business when the savings are reinvested in better operations, happier customers, and long-term value creation.
Introspection required if EU Inc fails, says start-up lobbyist
European start-ups have a new voice in Brussels. Startups for Europe, created from the merger of lobby groups Allied for Startups and the European Startup Network, is hoping to harness the momentum behind EU-Inc, a campaign that united start-ups and investors behind demands for a new pan-European company regime.At a launch event for the new association in Brussels on October 1, the mood was remarkably upbeat compared to a typical Eurobubble gathering, more Silicon Valley than Schuman roundabout.When asked whether this reflects a feeling that Europe is on the right track, chief executive Serena Borbotti-Frison said it’s a “scary” moment as the continent looks to boost its competitiveness amid a new technological arms race.“What is at stake is quite intense, and the way we can answer is by delivering, but also with hope,” she told Science|Business. “It’s what our industry does. It’s not about identifying a pain point and then saying it’s too hard.”For many in the start-up community, that sense of hope is dwindling. In March, the European Commission presented its proposal for EU Inc, naming its initiative after the grassroots campaign.EU Inc was meant to be a gamechanger: the ability to incorporate within 48 hours for less than €100 and scale up across Europe; a harmonised stock option regime enabling start-ups to compete for talent; and simplified insolvency procedures for innovative start-ups to reduce the cost of failure.However, haggling by EU governments has raised concerns that EU Inc will be stripped of the very features, including stock option harmonisation, that are meant to make it attractive for companies.“I fear we are proving to ourselves that the model doesn’t work,” Borbotti-Frison said of the policymaking process. “Everyone agrees we should have EU Inc. Everyone agrees it’s hard to scale and we need to scale to answer the competitiveness [challenge], and still we cannot deliver? [. . .] What does that say about ourselves?”The Commission has made EU Inc a cornerstone of its single market reform, and has agreed with the European Parliament and the Council of the EU to target an agreement by the end of 2026. However, several points are currently holding up an agreement, including national rules around employee participation in management decisions, and the provision that employee stock options always be taxed at the point of sale. Some EU governments have reportedly pushed back on the Commission’s choice of legal basis, contending that anything related to taxation requires unanimity in the Council.Trade unions have also protested against EU Inc, fearing it will be exploited by companies looking to undermine workers’ rights.“If this doesn’t work, it’s introspection time, on the way our institutions work, maybe the way our lobbies work, and maybe the way the cooperation between them works,” Borbotti-Frison said.“Is it in the national interest? Is it a gap between political will and technical ability to operate? Is it speed? I don't know, but something needs to be fixed.”Ahead of last week’s European Council meeting, EU-Inc campaigners tried a new strategy: appealing directly to EU presidents and prime ministers. In an open letter, they urged EU leaders to “step in and give your negotiating teams a clear mandate to change course and reverse their objections to the Commission’s original proposal.”Lessons from EU-IncLike its predecessors, Startups for Europe will represent national start-up associations, but it is also targeting investors. The founding sponsors are venture capital firm Atomico and EQT, the investor selected earlier this year to manage the €5 billion Scaleup Europe Fund.It also wants to harness the knowledge and cross-border experience of European success stories. “Take the list of the 100 biggest unicorns in Europe. We are speaking to all of them,” Borbotti-Frison said. The association plans to publish a full list of supporters following the Slush tech conference in Helsinki in November.Andreas Klinger and Simon Schaefer, two key figures in the EU-Inc campaign, are both on the board of the new association, and Startups for Europe wants to take the lessons from their campaign.What was unprecedented about EU-Inc was “how rooted it was, and how strong it was in bringing everyone on board behind one clear pain point and solution to fix it,” Borbotti-Frison said. “This is an inspiration for us, and then we need to turn it into something more systematic, more bridged in Brussels, more connected to the policymaking game, and to scale it.”If it’s possible to unite such a broad coalition, it’s because the European start-up ecosystem is now mature, she said. “Maybe it was not ten years ago. Maybe it was not five years ago. But now, it’s mature to speak with one voice.”Open and liberal EuropeThe association plans to campaign on files related to three “pain points,” Borbotti-Frison said: “start and scale in Europe, fundraise and invest in Europe, and making Europe the most innovative continent.”As well as EU Inc, she cited public procurement, the EU’s simplification push, the Savings and Investments Union, and files related to AI adoption and technological sovereignty as priorities for the coming months.What these files have in common is that they relate not to subsidies but to the framework conditions influencing the availability of mostly private, or in the case of procurement, public, funding.Related articlesEmployee participation disagreement delays MEPs’ vote on EU IncCommission urges EU governments not to water down EU IncEU’s ‘ultra-fast’ €5B scale-up fund is set up to win, says its fund managerThe budget dispute over the next Horizon Europe programme will also impact start-ups, which are supported notably through the European Innovation Council. But EU innovation funding is a drop in the ocean compared to venture capital and public procurement budgets.“If competitiveness and innovation are a priority, then the [EU budget] should reflect it,” Borbotti-Frison said. However, she added that the main question is not how much public money is invested, but “how do we create the right conditions for the market to solve the problem?”The Scaleup Europe Fund mixes both approaches, using €1 billion in EU funding to crowd in private investors and address Europe’s lack of large-scale, late-stage growth funds. “It’s a proof of concept. Ideally, then the market will do it itself,” Borbotti-Frison said.Startups for Europe is also focused on bringing an alternative political narrative. Amid competing visions for open, global markets on the one side and a protectionist Europe on the other, it wants to offer “a third voice, to say we can be proudly European and build a strong continent in a liberal economy, open to the world, and global.”It can be tempting, when thinking about how Europe can better support innovation, to look across the Atlantic. But while it’s important to compare statistics to see where Europe needs to catch up, that’s where the comparison should stop, Borbotti-Frison said. “On everything else, we need to do it our own way. We don't have the same history. We don't have the same political model. We don't have the same way of life.”Many of the key files that could benefit the start-up community, including EU Inc and the Savings and Investments Union, rely on closer integration within Europe, making it easier to operate across borders.While the Commission has made deepening the single market a political priority, support at national level is more precarious. The coming months will see pivotal elections in Spain and France, while the German government has also been coming under pressure domestically. In each country, far-right parties have been gaining ground.When asked if she was concerned the political situation could jeopardise this progress, Borbotti-Frison responded: “Of course. I would be lying if I said I wasn’t.” However, she continues to believe that cooperation is the only way forward. “Doing it alone is not the solution. It’s also not who we are, it’s not the model we are building, and it’s not the scale we need.”
New Virginia program could help residents save on health insurance
VIRGINIA (CBS19 NEWS) -- Thousands of Virginians could soon see significant savings on their health insurance premiums through a new $150 million state program.
After federal cuts, Spanberger mounts health insurance enrollment push with new state subsidies
The state estimates that up to 200,000 Virginians may be eligible for savings averaging $65 to $90 per person each month.
Hall Pass: Your Ticket to Understanding School Board Politics, Edition #228
Welcome to Hall Pass, a newsletter written to keep you plugged into the conversations driving school board governance, the politics surrounding it, and education policy. In today’s edition, you’ll find: On the issues: The debate over Iowa’s education savings account program In this section, we curate reporting, analysis, and commentary on the issues school board […]
Tired of Being Tired? 7 Science-Backed Ways to Sleep Better
Daylight saving time starts in a few weeks, ushering in the longer nights and shorter days associated with winter. But for many people, the extra hours of darkness aren’t necessarily more restful. Experts say sleep deprivation is on the rise in the U.S. And the combination of stress, shift work and the false bravado of […]
Developer behind collapsed recreation complex plan in Johnston files bankruptcy
Ignit Johnston LLC, the group behind the failed proposal to build a youth sports and recreation complex in Johnston, has filed for Chapter 11 bankruptcy, just weeks after a judge ordered the developer to pay more than $4.2 million in damages to Lincoln Savings Bank in a foreclosure case filed by the bank. Lincoln Savings…
How to save money on sports without giving up the games
Current reports on saving money while enjoying sports despite rising costs.
A $50 sports bet costs a young investor hundreds later. Here's how
Studies show gambling is eating away at people's savings and investing funds, especially among younger generations.
Disney's Erik von Detten accused of elder abuse in $2-M gold scam
Sheila and Norman Greenberg allege former teen heartthrob Erik von Detten tricked them into rolling over $2 million in retirement savings into gold.
The non-gamer CEO racing to save Microsoft’s Xbox
Asha Sharma has cut thousands of jobs, consolidated studios, and rewritten the playbook. Insiders wonder if she’s saving the brand or preparing it for a non-Microsoft future.
BBC closures make business sense, but far more savings are needed, says Katie Razzall
The BBC announced it will close its BBC Three, BBC Scotland and Radio 4 Extra broadcast channels.
Australian Visitor Grateful to Holy Cross Health for Saving Her Life During Fort Lauderdale Visit - Florida Hospital News and Healthcare Report
Nearly 10 months after receiving emergency treatment at Holy Cross Health for a ruptured brain aneurysm, Australian resident Sarah Frost is reflecting on her recovery and the care that helped […]
Covenant Health helicopters take flight to speed up medical transport in East Tennessee
KNOXVILLE, Tenn. (WATE) — Covenant Health Air is lifting off the ground, saving lives in East Tennessee. It unveiled two new medical helicopters on Monday, one based out of Rockwood and the other o…
Commentary: Opportunity Zones can help bring investment, development to Idaho areas that need it most
Idaho’s newly approved Opportunity Zones could help bring more housing, businesses and jobs to communities across the state. The attraction for investors is the potential tax savings. This month, Idaho Commerce announced that the U.S. Treasury approved 25 zones, including areas in Boise, Coeur d’Alene and Post Falls. The new Opportunity Zone designations take effect […]
South Texas Health System (@stxhealthsystem)
2 likes, 1 comments - stxhealthsystem on October 18, 2026: "Put Your Skills at the Heart of Innovation: South Texas Health System is seeking skilled and dedicated Cardiac Cath Lab Technologists to join the cardiovascular teams at STHS Heart and STHS Edinburg. In this vital role, you’ll support advanced cardiac procedures, help deliver potentially lifesaving care and make a meaningful difference for patients when it matters most. Join a team committed to clinical excellence, innovation and compassionate care. Ready to take your career to the next level? Explore opportunities with the Rio Grande Valley’s largest integrated healthcare network. STHS offers competitive pay, comprehensive benefits and an increased sign-on bonus for qualified applicants. Ready to make your next career move? View current openings and apply at the link in our bio.".
This machine has saved infant lives for decades. Now a Baton Rouge hospital has its own.
Woman’s Hospital adds a lifesaving ECMO machine to help newborns struggling to breathe. There are only three like it in Louisiana. Here’s how it works.
AHN takes lifesaving training into western Pennsylvania classrooms
AHN's new Building Bridges program teaches students CPR, Narcan use and other lifesaving skills while introducing health care careers.
AHN takes lifesaving training into western Pennsylvania classrooms
AHN's new Building Bridges program teaches students CPR, Narcan use and other lifesaving skills while introducing health care careers.
GBIF at 25: The Open Data Machine Behind Global Biodiversity Science
Twenty-five years ago, a handful of governments bet that the fastest route to saving life on Earth ran through something unglamorous: standardized, freely shared data about where species live. That bet became the Global Biodiversity Information Facility, or GBIF, an
Joe Manganiello talks about "lifesaving surgery" and 7-year health journey
Exclusive-US Strikes One-Year Deal to Fund Maternal and Newborn Health Donations in Poorest Countries
By Ammu Kannampilly, Jennifer Rigby and Victoire Mukenge NAIROBI/LONDON/NYANGEZI, Democratic Republic of Congo, Oct 16 (Reuters) - The US government has struck a deal to continue supplying some of the world's poorest nations with free life-saving medication and equipment for mothers, infants and ...
Giants Could Trade Lee for Savings and Outfield Opening
The San Francisco Giants must decide if Jung Hoo Lee’s inconsistent production warrants a massive salary as rising prospects and urgent pitching needs force a roster overhaul.
How to Get All the Tax Benefits From Your Health-Savings Account
An HSA can cushion the blow of medical expenses, but it’s also a tax-favored investment vehicle.
Ohio's gas tax holiday isn't just about saving at the pump
Opinion: Ohio's diesel tax savings offers truckers a reason to fill up here.
C-U Public Health: The switch to generic naloxone will increase access to the lifesaving medication
Naloxone reverses opioid overdoses and is supplied to communities across Illinois thanks to federal funding. Health officials say the switch to a generic form will save money and increase the supply of the lifesaving medication across the state.
Marsh targets more cost cuts; reports revenue increase
Marsh on Thursday increased its annual cost savings target under its Thrive restructuring program by 50% to $600 million, as the brokerage reported higher third-quarter revenue and profit despite a 6%
Americans with disabilities worry over cuts to major health survey
NEW YORK • The federal government is planning to dramatically shrink its most influential health survey, and some researchers worry that the changes will underestimate how many Americans are disabled. At least half the survey questions could be axed. The cost-saving change is part of an ongoing effort to slim down the 69-year-old National Health […]
German savings banks chief says growth could curb political polarisation
By Maria Martinez BANGKOK, Oct 15 (Reuters) - Germany's nascent economic recovery could curb the polarization seen in recent state elections, the president of the country's savings banks association
Social Security announces 2027 cost of living boost for recipients
The Social Security Administration projects a 3.6% cost-of-living adjustment for older adults and people with disabilities starting in 2027. Some recipients say it won't offset rising prices. This adjustment means $75 extra per month for the nearly 72 million Social Security beneficiaries and about 7.3 million Supplemental Security Income recipients. Inflation continues to pressure household budgets and savings, and some older Americans feel the increase isn't enough. The Social Security Administration faces a looming bankruptcy date if a funding shortfall isn't addressed by Congress. Lawmakers have proposed measures to replenish the trust funds, including lifting the payroll tax cap to generate substantial revenue.
MORNING BUSINESS REPORT: Record high diesel, Social Security adjustment, more moving money out of savings
Diesel comes down but is still high, the Social Security cost of living adjustment, and more move money out of their savings accounts. Here's the Morning Business Report for Oct. 15.
‘Survivor’ 51 recap: A player gets royally screwed over by a tribe swap
A player gets royally screwed over by a ‘Survivor 51’ tribe swap with no real chance of saving themselves. We break it all down in our EW recap.
Bucs' Veteran Credits Bowles for Keeping Things Together
Amid a rocky start and rampant outside noise, Alex Anzalone reveals how Todd Bowles reshaped the locker room mindset to spark a season-saving upset over the Cowboys.
Hui Kapili Accelerator Welcomes 11 Local Businesses to Third Cohort
aio and American Savings Bank support local construction companies with business training, industry expertise and opportunities for growth.
10 years of Jackson Lab science shows the lifesaving power of genome-matched cancer treatment
These treatments have already changed the lives of Mainers battling the disease. Thankfully, more work lies ahead.
Ending Clock Changes? Health Experts Say There's a Winner Between Standard And Daylight Saving Time
Brighter mornings may protect health.
Owen Tripp, Included Health CEO: A Fortt Knox Update
Included Health CEO Owen Tripp told Jon Fortt that after its Firefly Health acquisition, the company is scaling the alternative health plans it launched in 2026. Tripp described a shift to performance-based contracts, where it shares in savings it generates rather than taking a flat admin fee. On its plan, 76% of the highest-cost members engage voluntarily, and he expects the market to shift within five years.
Are Bank Lobbies Still Relevant?
Local banking leaders say technology is changing the way customers use their banks — and their lobbies By Deborah Jeanne Post [caption id=attachment_11109 align=alignright width=300] Steve Gorczynski is M&T Bank Central New York regional president.[/caption] When was the last time you entered the lobby of your bank? If it’s been a while, you’re part of a trend of eschewing the lobby in favor of ATMs, drive-thrus, online banking and remote deposit. A 2025 study performed by the American Bankers Association revealed that only 9% of consumers use bank branches as their preferred way to do banking and 76% prefer mobile banking. The trend away from the lobby reflects consumer behavior in other areas of doing business, including online shopping instead of perusing the mall, ordering fast food at a kiosk, not at the counter and selecting curbside pick-up rather than walking into the restaurant. Consumers want convenience and going in the lobby adds another layer to the task. It also places consumers face to face with one or more representatives of the business, something less favorable to people feeling burned out from interpersonal interactions. Nixing or at least minimizing the size of the lobby isn’t necessarily negative for banks. Fewer people passing through their doors reduces overhead for building maintenance, staffing and furnishing. Greater reliance on virtual banking can mean closing brick and mortar locations and hiring fewer staffers to cover roles like teller and lending officer. “Our focus is on meeting customers where they are and giving them flexibility in how they bank,” said Steve Gorczynski, M&T Bank Central New York regional president. “While many everyday transactions can be supported digitally and through ATMs, branches remain important for more complex financial needs, offering face-to-face guidance and a more personal banking experience.” Talking with a commercial lender or working on a home mortgage are two examples where meeting face-to-face is more desirable for many people. They can receive immediate feedback to questions and can possibly reach their goals more quickly. But there’s little need to have a large seating area, long counters and numerous tellers for routine banking that’s quicker to handle virtually. Online banking can also help people on the go more readily complete banking tasks such as depositing checks, transferring funds among accounts and checking balances. [caption id=attachment_11135 align=alignright width=300] Tina M. Stephens is the vice president branch administration for Fulton Savings Bank.[/caption] “The traditional bank lobby is certainly being evaluated by most institutions today, as the typical large, open and cavernous spaces do not necessarily meet the needs of today’s customers,” said Tina M. Stephens, vice president branch administration for Fulton Savings Bank. “Traditional lobbies often bisect traditional teller stations and customer service areas, which adds confusion, especially for the demographic who routinely use online banking and only access the lobby for customer service needs.” Despite the rollback in physical locations across the industry, Fulton Savings Bank began modernizing its six branch offices in Oswego and Onondaga counties about three years ago and have finished four offices so far in Baldwinsville, Fulton, Constantia, and Phoenix. “We made the decision to build a new branch across the street from our current office in Brewerton which will be completed by the end of 2026, and we will begin the retrofit of our Central Square office in early 2027,” Stephens said. “Our efforts specifically address where we think customers will be in the next three to five years and have greater flexibility to make changes out into the future.” The bank may be onto something, as numerous reports state that screen-weary Gen Z young adults crave more in-person interactions than virtual ones. If the pendulum continues to swing in that direction, it’s hard to see all physical bank areas disappear, even if they change somewhat. Fulton Savings Bank has also consolidated its teller and customer service representative areas to larger “universal banker” areas, where the bank representative can address all customer retail needs. A one-stop-shop experience appeals to busy banking customers who want to perform a few different banking tasks in one visit. Stephens also said that Fulton Savings Bank made additional technology and security enhancements and created flex spaces to accommodate bank meetings throughout the two-county branch footprint. At Solvay Bank, Elizabeth Lavier, vice president marketing and communications manager, lauded digital and online services as convenient and flexible for managing finances; however, “technology is not meant to replace what matters most: the relationships behind every account that have always been at the heart of community banking,” she said. “Even in today’s digital-first world, people of all ages still value the opportunity to sit down with a trusted banker for personalized guidance. We understand that some of life’s biggest moments call for more than a screen.” Lavier views digital banking as another way for the organization to serve customers rather than a replacement for branches, tellers and lenders, which tend to serve customers better for transactions like buying a first car, purchasing a home, saving for a child’s education, or planning for retirement. “Those conversations, built on understanding, experience and personal guidance, are what community banking is all about,” Lavier said. “At the end of the day, banking is about more than transactions. It’s about helping our customers achieve their goals and being there for them every step of the way. By combining the convenience of digital banking with the care, commitment, and personal service of a local community bank, Solvay Bank offers customers the best of both worlds.” Are Paper Checks Destined to Disappear? With the ubiquity of debit cards, online payments, virtual checks and peer-to-peer payment platforms like Venmo, Zelle and PayPal, will paper checks become passe? “In my view, paper checks are unlikely to disappear in the near future,” said Tina M. Stephens, vice president branch administration for Fulton Savings Bank. “They continue to serve a practical purpose by providing a clear paper trail and tangible proof of payment.” According to the American Banker, a leading trade publication that covers the banking and financial industry, in 2024, checks accounted for 65% of all payment fraud losses. Paper checks should be phased out, according to the publication. “The phrase, ‘The check’s in the mail’ probably sounds strange to younger people because the era of paper checks is rapidly drawing to a close. Put bluntly, checks are an expensive, insecure legacy that is a drag on the U.S. economy. Rather than wait for them to vanish slowly, the pragmatic choice is to strategically accelerate the transition to paperless payments.”
PredictX Launches New Travel Policy Analyzer and Optimizer
Tool helps managers see where policy changes can deliver savings
How a Madison doctor is saving the smallest lives
Preterm birth is the leading cause of death for Black infants in Wisconsin. This neonatal doctor and her team are working to give them a fighting chance.
Trump to fly 3,400 miles to Alaska in hopes of saving a Senate seat
With Republicans all but writing off their chances of winning Senate races in states such as North Carolina and Georgia, Alaska has become a crucial battleground this fall.
GLP-1 Users Face a Health-or-Wealth Choice
51% of GLP-1 users worry they may have to choose between medication and retirement savings. See what The Harris Poll found for Nationwide.
Theatre Cedar Rapids offers Halloween scares with ‘Exorcist’
Directed by UNI's Matthew Weedman, this isn't just a horror show — it's a powerful story about faith, doubt, and saving a child in crisis. See it now in the intimate Grandon Studio Theatre — if you dare.
“We didn’t ask for more Microslop”: Microsoft promised to fix Windows 11, then dropped 300 AI buzzwords at its big event
Microsoft said "agent" 100 times and "Windows 11" three times at its October 7 event, while users were waiting for fixes and RAM savings.
Opinion | Health Savings Accounts Can Curb Rising Costs
Congress should expand a tool that lets Americans keep more of their money and spend less on healthcare.
Republicans want Abdul El-Sayed to be the main character of the midterms. He's happy to oblige
Abdul El-Sayed, holding a handheld mic, slowly shook his head as a woman at his town hall described how she burned through her savings after undergoing emergency brain surgery.
Universal primary care takes center stage in VT race
Debate intensifies in Vermont over universal primary care proposals as candidates weigh potential savings against higher taxes.
How I went from 'healthy' to a quadruple bypass in weeks
A request at a checkup turned into lifesaving surgery.
Why doctors are urging women to redo early genetic tests for cancer risks
Advances in technology detect far more genetic mutations, which can be lifesaving information for a generation of women first screened years ago.
One income, two retirements: How couples can protect their future
Single-earner families should look beyond today’s budget and consider retirement savings, emergency funding, workforce reentry, and future Social Security benefits.
Netflix Executive Says AI Has Touched 300 Titles as Director Claims Budget Savings of Up to 40%
Netflix says it has used AI on about 300 titles, while director Kang Yoon-sung told a Busan festival panel that AI workflows can cut film…
A clock change dilemma pits science vs. politics
Some politicians want permanent daylight saving time, but a chorus of scientists say that's the wrong way to fix the seasonal time change problem.
A clock change dilemma pits science vs. politics
Some politicians want permanent daylight saving time, but a chorus of scientists say that's the wrong way to fix the seasonal time change problem.
Jeff Kizer doesn’t equate money with happiness. But his future concerns him.
among a handful of participants selected to work one-on-one with a financial expert for CNN’s Savings Challenge. This story was originally featured in the October 2 Savings Challenge newsletter.
Atrium Health brings new lifesaving technology to Pineville campus
ECMO kept blood and oxygen moving while her heart couldn’t.
Health Savings Accounts Contributions Increasingly Tied to Employers
IRS data show employer HSA contributions are playing a growing role, with shares and contribution growth varying by income. See what the CRS report says.
Sami Inkinen, Virta Health CEO: A Fortt Knox Update
Virta Health CEO Sami Inkinen said the company posted its first-ever profitable quarter — Q2 2026, on cash-flow and EBITDA — after a post-2021 down round, part of a "Project Independence" push to self-funding. In conversation with Jon Fortt, he casts GLP-1 drugs as a tailwind: with nutrition, Virta says patients lose a third more weight (20% vs 15%) and sustain 85% of the weight loss a year after stopping, saving ~$5,600 per diabetes patient yearly. Virta serves ~800 employers and plans.
Xbox Seasonal Savings Sale leads massive drop of 1,600+ deals across three sales
The Microsoft Store has been refreshed with new sales, including the Xbox Seasonal Savings Sale, which discounts hundreds of games, DLC, and more.
Trump Illegally Withheld Lifesaving Health Research Funds: Federal Watchdog
"Donald Trump is stealing taxpayers’ dollars that Congress set aside to improve Americans’ health," said a group of House Democrats.
Editorial: Dave McCormick dreams of strengthening science, but Trump is researchers’ worst nightmare
In a recently published op-ed extolling the lifesaving virtues of federally funded research at institutions such as Children’s Hospital of Philadelphia, Sen. Dave McCormick called for doubling funding for the National Institutes of Health.
Who Won August and September: Original Films or Franchises?
(Welcome to the Entertainment Strategy Guy, a newsletter on the entertainment industry and business strategy. I write a weekly Streaming Ratings Report and a bi-weekly strategy column, along with occasional deep dives into other topics, like today’s article. Please subscribe.) I just heard someone say that if you’re reading a pundit or data analyst, and they don’t tell you that they got anything wrong, they’re not a pundit but an “influencer”. I agree with that. You have to tell your audience when you get things wrong, or they won’t (or shouldn’t) trust you as much. Today, we’ve got another edition of “What I Got Right, What I Got Wrong”. In general, I’m patting myself on the back (and patting very hard) about a few things like IP at the box office, LIV golf, horror films, crowdfunding movies, superheroes, and old people going to the theaters. That said, I also made a couple of data mistakes on the streaming bubble popping and HBO’s datecdotes, so I’m not perfect. But first, I need your feedback... Subscribe Follow-Ups: What Should We Call Mid-Budget Movies Which Aren’t Cinematic Enough for Theaters But Are Too Expensive to Make Money on Streaming? After I asked for feedback on what we should call straight-to-streaming films that are too big to pencil out on streaming but not really big enough to resonate in theaters, I got some great suggestions from you all, including... “Moldilocks” from John Aboud “Little Big Indie” from Travis Frick1 “Midflicks” from Jonathan Funke. “Extra-Medium” from Jona Nwuke. (Read the explanation in the footnote.) Between these and Brandon Katz—who suggested “Bermuda Budget Triangle”, “The Platform Gap” and “The Distribution Deadzone”—we’ve got some excellent suggestions. And they’re better than my suggestion, the “Streaming Budget Dead Zone”, so let’s take a poll! The winning entry becomes the new term. Loading... RIGHT: LIV Golf is Fully Bankrupt…Is Anyone Else Next? A few years ago, I was always a bit perplexed at all the articles I’d read praising LIV Golf and their strategy to disrupt the PGA. LIV Golf, a brand new professional golf league, offered PGA stars ten times what they made on the PGA Tour to join their new league. And folks praised this strategy for its initial “success” in that a lot of big names did indeed leave the PGA. Yeah, of course the players came over. LIV Golf paid them so, so, so much more! But LIV Golf hadn’t discovered a way to increase potential revenue. So think about this in basic business terms… They paid much more in costs… …but had no real way to increase revenue. That’s not a strategy! That’s deficit financing. It won’t work unless you bankrupt the competition (and then turn around and pay those same golfers much, much less). It’s not a sustainable strategy and only lasts as long as the company/person/nation backing it decides they’re cool with losing money. For LIV Golf, that meant Middle East oil wealth, in particular Saudi Arabian money. Clearly, the current Iran War has hurt Middle East finances, so they need to trim their more exorbitant spending. And LIV Golf was part of that trimming. This should be a major warning for others. TGL’s parent company, TMRW Sports, just got a $1 billion valuation, despite TGL’s (the indoor golf league) horrible TV viewership of less than half a million viewers per match. Unrivaled, the women’s basketball league, just secured a $650 valuation, despite its horrible TV viewership and a new rival (Project B) entering the scene next year. To relate this to streaming, Hollywood should ask which streamers may have wealthy patrons funding their losses. (Let’s be clear: Google, Amazon and Apple.) Could those patrons lose their appetite? For Amazon, probably not. But Apple has a new boss, so maybe! WRONG: My Analysis of the Streaming Bubble Was Missing a Week I’m going to be congratulating myself a lot today, but I make mistakes too, like this data goof. When I last compiled the data on the decline in TV shows, I was missing one week at the end of June. If you look at the first image, you can see that one week was mislabelled as “July”. Mainly, this image got updated to show a 27% decline, not 29%: This change doesn’t really impact the overall analysis, but it is two percent better. By the way, through the third quarter, the decline increased and it’s now a 30% decrease since 2022. (I’ll write/visualize this in an upcoming article.) But I want you to trust me and my data. Especially these days, when many people are using LLMs that I know are inserting faulty data into their charts, I want to keep earning my audience’s faith. So that’s the accurate data. RIGHT: IP Remains Very, Very Popular In July, I wrote a giant (and I mean giant) article on Backrooms, Obsession, and the box office, going over what we know, what we don’t know about what works in theaters, looking at YouTubers, IP, the horror genre, comic book movies, and a whole lot more. The month of August really tested a lot of my theses and, being honest, mostly supported my arguments. Let’s start with IP. Looking at 8-Aug (the weekend after Spider-Man: Brand New Day came out) to 18-Sep (the weekend that Resident Evil came out, which I think provides a nice bookend to this time period), there were seven films based on pre-existing IP: Resident Evil (2026) ($126 million) Practical Magic 2 ($65 million) _Insidious: Out of the Furthe_r ($65 million) Coyote Vs. Acme ($59 million) Paw Patrol: The Dino Movie ($53 million) Tony ($15 million) Super Troopers 3 ($7 million) Compare those to the notable original films from the past month—I actually could have included more movies, but here are just thirteen, bringing us to an even twenty films—including.... The End of Oak Street ($54 million) Buddy ($26 million) Mutiny ($15 million) By Any Means ($15 million) The Dog Stars ($14 million) Runner ($14 million) One Night Only ($11 million) Hope ($8 million) Spa Weekend ($7 million) The Uprising ($6 million) Teenage Sex and Death at Camp Miasma ($6 million) Onslaught ($3 million) Eli Roth’s Ice Cream Man ($2.8 million) Here’s that in chart form: Five of the top six films in this time period were all based on IP. I made a big chart of films that grossed over $200 million at the box office before Spider-Man: Brand New Day and The Odyssey hit theaters. Let’s update that chart! By the way, if you want to see how I categorized each film—so another bar chart—here it is: I know that many of my fellow critics/pundits/analysts dislike films based on IP and how Hollywood is making so many of them. And I’m sympathetic to this point of view. As I’ve written many, many times before, you need a balance between existing franchises, new IP, and original films. And Hollywood clearly needs to make more films like Resident Evil (a well-made film from a visionary director) and fewer Practical Magic 2’s (which didn’t get critical or customer buzz). But at some point, critics and pundits need to contend with what audiences are telling them: Movie-goers aren’t showing up to original films. Audiences are speaking with their dollars, telling you they want more IP and franchises. You can try to convince studio heads to make fewer IP-based films and franchises, but the data and numbers aren’t there. Instead, critics need to work harder to convince audiences to show up for original films. Aim your ire/concern at the average person, not studio heads.2 Because they’re just making the films that audiences are telling them to make. WRONG: Original Horror Films Didn’t Break Out I’ll be honest, even though I wrote an article casting some skepticism on the horror genre in July, if you asked me to make a prediction, I would have predicted that, in August, a new, original horror film would have blown up. No, seriously, I just assumed that Obsession and Backrooms presaged a change in audience behavior. But none of the buzzy new original horror films from August—Teenage Sex and Death at Camp Miasma, Onslaught (not an action film in spite of the ads), The End of Oak Street, Eli Roth’s Ice Cream Man, or _Buddy—_broke out. To be clear, exactly one of those films (Buddy) had good “ROI”, but again—I try to be specific in my language—none were “popular” in any broad sense of the word. None of them will be “saving” movies theaters like Backrooms or _Obsession_helped save the summer. The new Insidious film and Resident Evil, both based on IP, were far and away the biggest horror films since July. (We’ll see if this changes in October/Halloween season.) RIGHT: Stay Skeptical about Crowdfunding... I’ve long been skeptical about crowd-investing platforms as one of Hollywood’s saviors, mainly because there’s so much hype/buzz. People need to stay more skeptical about more things, explaining both the potential upside but also the downsides. In particular, the media often hypes crowdfunding at the start and never checks in on the actual results after they’ve come in later. And August gave us our first update! _Ice Cream Man—_directed by Eli Roth—grossed $6 million off of a $5.5 million budget. This is a production of The Horror Section, which was one of the first “crowd investing” studios with 2,400 investors, which means that 2,400 investors probably lost money. They certainly aren’t getting as great of returns as if they had just invested their dollars in the stock market. Hopefully Stiletto (Tagline: “Someone’s Going to Make it Rain Blood!”) does better next month. WRONG: Another Data Goof Here’s another data error. When the first episode of House of the Dragon came out, HBO put out that it had 21.5 million viewers in the first three days, and I read that to mean in the US…but no, it was global. So my US-only datecdotes charts shouldn’t have included it. We never got US-only numbers for the first episode, but for the final episode, HBO put out that it had 11 million US viewers. (And that global dropped to 21 million viewers.) Here’s the updated chart (which I’ve since used in the Streaming Ratings Report): Still, this show is absolutely huge. RIGHT: Superhero Films Remain Very, Very Popular After Supergirl flopped, I read a few takes that “comic book movies are going the way of the Western”. Post-Spider-Man: Brand New Day, that take didn’t age well. To be fair, I have a very nuanced take on the superhero genre right now; it’s down right now, for a lot of reasons. But it’s not “dead”. Maybe _Spider-_Man is just a really popular character? I saw that take, and it’s a fair counter-argument. (But pundits arguing that superhero movies were dead should have mentioned this $1.5 billion counter-argument…) But is it just Spider-Man? The next Avengers film already has $50 million in pre-sales (and I was skeptical that that film would do well) and the Avengers: End Game re-release topped the box office two weekends ago (over three original films). And I wouldn’t bet against Batman or Superman. So maybe it’s just Spider-Man, Batman, Superman and the Avengers. Oh, and Deadpool, of course. And Black Panther. And Wolverine. And probably the X-Men. Plus a well-made Wonder Woman or the Hulk film could break out. But that’s it! It’s just those ten characters/teams. Oh, what’s that? Lanterns is also doing well on HBO? (See previous section…) To be fair, I’m actually pretty sympathetic to the argument that more popular characters—like Spider-Man and Batman—anchor more popular films. In fact, I made that exact argument three years ago when I first wrote about the “Marvel-cession”. In many ways, you can blame The Guardians of the Galaxy for fooling Marvel Studios (and the rest of us) into believing that any character could pop. It turns out, the list of iconic characters is probably smaller than most people think. But it’s probably too early to say that superhero films and comic book movies are dead unless “death” means a slight decline over a longtime. RIGHT: Who Killed Theaters? Old People I get frustrated whenever I see headlines or analysis about how young people are “returning” to theaters. As I’ve detailed(for years), young people have always powered the US box office, despite narratives about “kids these days” and their “phones”. Really, what’s changed post-2020/pandemic is that old people aren’t going to the movies nearly as much. This summer, I saw a movie (from an older director) in a theater near a retirement community, and multiple older people at the theater were talking about how this was their first time seeing a movie in years. I dislike personal anecdotes, so YouGov can fill in the data, best summarized by this headline: “Who killed movie theaters? Not the youths”. According to them, 64% of people aged 18-29 have seen a movie in the last year, but only 30% of 65-and-older. 20% of 18-29 have seen a movie in theaters in the last week and 42% in the last month. Here’s the polling data: Most concerning? Many Americans (17%) think theaters are a worse or much worse experience than watching films at home. Slight WRONG: Hadestown Opens Big A live theater capture of the Broadway musical, Hadestown, made $20 million at the US box office, which begs the question: was I wrong to be skeptical about musicals a few years ago? Yes and no. On the one hand, $20 million is a far cry from being “popular”, so yeah, the genre isn’t that popular overall and Hadestown is one of the more popular musicals from recent years (i.e. the “Taylor Swift Data Fallacy” in action). On the other, I doubt filming this cost all that much, and I don’t think that they spent much on marketing, so this is a good source of ancillary revenue. Smaller Updates WRONG: As I mentioned in a Streaming Ratings Report, I underestimated the budget for Enola Holmes 3. It probably cost more like $50 million, if not more. But... I’m not sure that it really matters? At sub-10 million hours, prices have to come down to make this work. WRONG: Netflix is giving Ink a 27-day in theaters! To quote the kids/YouTubers these days, let’s go! Now I might actually have a chance to see Danny Boyle’s latest in theaters. I’d complained about this in a “Coming Soon” section, but I was heartened to read that Netflix is giving multiple films longer theatrical windows this year. RIGHT: Netflix is sending 4-5 films per year to theaters. Netflix is slowly but surely sending more and more films to theaters, as I cautiously predicted earlier this year. For now, it’s just three big films and a number of awards contenders, but still, this is great news. And they’ll be releasing box office grosses! Just this week, Ted Sarandos confirmed that KPop Demon Hunters 2 will come to theaters (and my guess is it performs in the box office top ten at a minimum). WRONG: Angel has 3 million subscribers! How do I know this? Well, they told Deadline, who reported it. I marked this as “wrong”, since they’ve doubled their subscribers in one year but, you know, they don’t really have a hit film to speak of and they’re still losing money. WRONG: Furious was only renewed for one more season. I accidentally wrote “two more seasons” in my latest “Renewals, Cancellations, Un-Orders and Removals Update”. RIGHT: House of David is ending with its third season. In July, Prime Video renewed House of David for a third season, as I just wrote in my latest “Renewals and Cancellations” report. Well, now it’s ending after that third season. Why? As I’ve been writing, its viewership wasn’t great. I got feedback that this show didn’t cost very much, but it cost enough that its limited viewership didn’t save it. WRONG: Adults was a Hulu original! So I missed Adults when it first came out last year; I saw that it aired on FX and just assumed that it was a linear-first program. Turns out, it aired three episodes on FX, but binge-released the rest of its episodes the next day on Hulu. Huh. So I should have covered it last year! But I just wrote about it. 1 “When I was a kid in the 90s, if you wore a t-shirt to school that wasn’t too big and also wasn’t too small, but somehow didn’t quite fit, we’d say you were wearing an “extra-medium” shirt.” 2 As always, a huge exception is Disney, which barely makes anything original anymore.
Beyond hours saved: Building the business case for agentic automation
The RPA-era ROI model misses most of the value agentic automation creates. This post gives AI center of excellence leaders a framework to size the full value of agents across time savings, exception handling, decision quality, and maintenance economics, and to prioritize which workflows to automate first.
Flutter Entertainment: We Double Down (Rating Upgrade)
Flutter stock is down 20% since May. See why FLUT's FanDuel investment, international diversification, prediction markets & cost savings improve risk/reward.
MSC Celebrates 30 Years of Real Estate Tax Savings
MSC, a national tax consulting firm with an office in Virginia Beach, is proud to celebrate its 30th anniversary, marking three decades of helping clients