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Amendment 71: New Opportunity: A.16 Cryosphere
A.16 Cryosphere solicits high-impact efforts focused on sea ice, ice sheets, and glaciers. The expectation is that proposed investigations will use the wealth of data from NASA satellites and airborne campaigns to address the most urgent and impactful topics in cryospheric science, as identified in the National Academy of Sciences Decadal Survey, Thriving on Our Changing Planet: A Decadal Strategy for Earth Observation from Space (2018), https://www.nap.edu/catalog/24938.
Select Health Community Awards 2026
Intermountain Health's Select Health awards $150,000 to 30 organizations addressing community health needs across Idaho, Nevada, and Utah.
SoHo neighbors, businesses at odds ahead of $93M flood relief vote
The city of Tampa is preparing to move forward with the South Howard Flood Relief Project, a major infrastructure overhaul designed to address chronic flooding in the South Howard business and residential area.
LZ Sees Surprising Result in Search for Dark Matter
Key Takeaways Dark matter is the mysterious substance that accounts for the vast majority of matter in our universe. LUX-ZEPLIN (LZ) is a world-leading dark matter detector and specializes in searching for WIMPs, or weakly interacting massive particles. A new LZ study found one particle interaction that is difficult to explain with known background processes and could potentially have been caused by a WIMP. LZ continues to run to see if additional data strengthens or weakens the hint of a dark matter interaction. For the better part of a century, people have been trying to understand dark matter. This invisible substance makes up roughly 85% of the mass in the universe but has never been directly detected. Determining exactly what it is remains one of the biggest questions about our world. Now, a new analysis from the LUX-ZEPLIN (LZ) experiment has recorded a single particle interaction that researchers have great difficulty explaining with known background signals from normal matter. The result does not yet meet the statistical threshold required to claim a discovery, but is the most compelling hint of dark matter reported by the experiment to date. LZ is an international collaboration of 250 scientists and engineers from 39 institutions. The detector is managed by the U.S. Department of Energy’s Lawrence Berkeley National Laboratory (Berkeley Lab) and operates nearly one mile below ground at the Sanford Underground Research Facility (SURF) in South Dakota. The experiment uses 10 tonnes of ultrapure liquid xenon to search for dark matter and is optimized to look for WIMPs, or weakly interacting massive particles. The results were presented in a scientific talk at the 2026 TeV Particle Astrophysics conference in Japan. The paper will be released on the online repository arXiv and submitted to the journal Physical Review Letters. “We’re very intrigued to see this event in the data, in the region where we expect dark matter to show up and the competing backgrounds are very low,” said Rick Gaitskell, a professor at Brown University and the spokesperson for LZ. “With only one event, we don’t want to get ahead of ourselves. We are not claiming to have seen dark matter. But we have seen something interesting that we want to share with the scientific community for their input.” The LZ collaboration studies experimental data in batches. In the new result, researchers analyzed 220 live days of data collected between March 2023 and April 2024. The collaboration had previously searched this dataset for faint signals from the simplest kinds of WIMP interactions. The new analysis searched for a broader range of possible WIMP interactions that could deposit more energy in the detector. LZ is particularly sensitive to such signals while also minimizing false positives. “This was a detailed study in a region we hadn’t explored within this dataset, and we spent months of additional effort to understand all the possible causes of background events,” said Sam Eriksen, a senior research associate at the University of Bristol in the U.K. and lead author of the study. “We understand our detector and the backgrounds so well that even a single outstanding event, like the one we found, is important. We expect dark matter events to be extremely rare, so only a handful could mark the first detection of WIMP dark matter.” If the anomalous event was caused by dark matter, the WIMP that generated it would likely have a mass of at least 200 GeV/c2 (gigaelectronvolts), or more than 200 times the mass of a proton. It would also suggest a specific type of interaction between WIMPs and ordinary matter beyond the simplest model. The LZ results have not reached “5-sigma” significance, the statistical threshold considered a discovery in physics. The new analysis is 2.6 sigma, meaning there is approximately a 0.5% chance that the event could be explained by known backgrounds. With additional data, researchers can test whether the finding continues to grow in significance or fades away. LZ has already accumulated the world’s largest dark matter dataset and will continue to accrue WIMP search data at SURF, substantially improving their search statistics. LZ searches for dark matter by looking for signature flashes of light from energy deposited in the detector. The collaboration leverages multiple methods to prevent or account for particle interactions caused by normal matter. This includes the mile of rock that shields the detector from cosmic rays from space, a water tank and outer detectors that protect the central detector from background neutrons, and a suite of computational tools that disentangle particle interactions and reject dark matter mimics. “Outlier events in the data are not unexpected, but they usually stand out as a background of some kind when you look at them deeper,” said Aaron Manalaysay, a physicist at Berkeley Lab and the chair of LZ’s Institutional Board. “This is the first example in any experiment I’ve worked on of an outlier that appears valid in every way. Of course, we’re still twisting our brains trying to think if there’s a rare background mechanism we could’ve missed, but it’s thrilling to wonder if this could be the first hint of a dark-matter observation.” LZ is supported by the U.S. Department of Energy, Office of Science, Office of High Energy and Nuclear Physics, and the National Energy Research Scientific Computing Center, a DOE Office of Science user facility. LZ is also supported by the Science & Technology Facilities Council of the United Kingdom; the Portuguese Foundation for Science and Technology; the Swiss National Science Foundation; the Australian Research Council Centre of Excellence for Dark Matter Particle Physics; and the Institute for Basic Science, Korea. Thirty-nine institutions of higher education and advanced research provided support to LZ. The LZ collaboration acknowledges the assistance of the Sanford Underground Research Facility. ### Lawrence Berkeley National Laboratory (Berkeley Lab) is committed to groundbreaking research focused on discovery science and solutions for abundant and reliable energy supplies. The lab’s expertise spans materials, chemistry, physics, biology, earth and environmental science, mathematics, and computing. Researchers from around the world rely on the lab’s world-class scientific facilities for their own pioneering research. Founded in 1931 on the belief that the biggest problems are best addressed by teams, Berkeley Lab and its scientists have been recognized with 17 Nobel Prizes. Berkeley Lab is a multiprogram national laboratory managed by the University of California for the U.S. Department of Energy’s Office of Science. DOE’s Office of Science is the single largest supporter of basic research in the physical sciences in the United States, and is working to address some of the most pressing challenges of our time. For more information, please visit energy.gov/science.
Home State Health and Centene Foundation Award $750,000 to Missouri Organizations Advancing Community Health
Funding supports community-based programs addressing food security, housing stability, workforce development, foster care and rural health across Missouri ST. LOUIS, Sept. 1, 2026 /PRNewswire/ --...
Bit Reactor furloughed "many of its workers" in the weeks before Star Wars Zero Company's launch
Sources claim 80% of the developer's staff were furloughed, and that a skeleton crew is left to address post-launch bugs
49ers news: Brock Purdy finally addressed Drew Brees comparisons
The San Francisco 49ers quarterback, Brock Purdy, will be one of the key players in the offense when the team starts NFL regular-season action. He’s coming off an efficient but shortened last season and will be looking to bounce back. Entering his fifth career season, Purdy has been compared to Hall of Fame quarterback Drew Brees, who played for […] The post 49ers news: Brock Purdy finally addressed Drew Brees comparisons appeared first on ClutchPoints.
‘Most’ of Star Wars Zero Company studio Bit Reactor was furloughed ahead of launch
Last week was meant to be a moment of triumph for Bit Reactor, the Maryland-based game studio founded in 2021 with ambitions to create a great new tactical combat game. On Thursday, August 27, Bit Reactor’s debut title, Star Wars Zero Company, released to stellar reviews. And, from the Gamescom show in Cologne, Germany, studio co-founder Greg Foertsch was giving interviews discussing what the studio’s next game may be. But for many developers on the game, launch has been bittersweet. Fans love it. Critics prefer it to most recent Star Wars games. Zero Company, which is out for PS5, Xbox Series consoles and PC, is the top-selling game on Steam. Much of the team that made it, however, is currently going without pay. They were furloughed, just weeks ahead of the game’s launch. A rep for Bit Reactor confirmed to Game File today that the studio had furloughed many of its workers prior to the game’s release. They said it was a difficult decision and one that had been made before it was clear how launch would go. The rep emphasized that the call to do this was Bit Reactor’s alone (meaning not from publisher EA nor Star Wars license holder Disney). While the rep declined to comment on the scale of the furloughs, a previously unreported lawsuit brought by studio co-founder Alison Kelly in 2024 noted in a filing from August 12 of this year that Bit Reactor “has furloughed most of its employees and terminated contractors…” One source told Game File the furloughs impacted 80% of the team; another referred to there only being a skeleton crew left on Bit Reactor’s active payroll, ready to address any of Zero Company’s post-launch bugs. The issue is that Bit Reactor, a studio formed in 2021, had run out of most of its money just ahead of the launch of its first game. Over the weekend, Zachariah Scott, a senior technical artist who worked at Bit Reactor from early 2023 until an acrimonious exit this past May, said on LinkedIn that the studio was “concealing the fact that the team was Furloughed weeks ago.” Reached by phone today, Scott told Game File that he spoke to nearly a dozen Bit Reactor workers over the weekend. “Everybody has essentially the same story, which is, ‘Yeah, I got furloughed three weeks ago.” The Bit Reactor rep told Game File that the studio hoped to bring furloughed workers back, suggesting that a successful launch of the game could be impactful. Scott told Game File that workers he spoke to were less confident that even if there were returns, that all who were furloughed would get their old jobs again. A heated dispute Bit Reactor’s mid-2026 was almost even more tumultuous. The lawsuit by co-founder Alison Kelly that first revealed the furloughs was initially slated to go to trial in June. The suit is a she-said/he-said about whether Kelly, until 2024 the chief operating officer of Bit Reactor, was a co-owner of the studio or whether it was solely owned by Greg Foertsch. In July 2024, Kelly sued, saying she was pushed out by Foertsch. She first sued in federal court and later refiled in Maryland’s Baltimore County, alleging breach of contract and that Foertsch had unjustly enriched himself. Kelly cited damages of over $20 million, on the basis of Bit Reactor allegedly being worth more than double that. Foertsch’s side has said Kelly was never a co-owner and has countered with claims about her job performance (which she has denied). The June trial was postponed until early 2027, as both sides have been deposing witnesses and filing more claims and denials along the way. Amid all of that, filings in the lawsuit reviewed by Game File paint a picture about Bit Reactor’s origins, early aspirations around tactics games, the team’s breakthrough in drawing the attention of Electronic Arts with the help of a pitch tied to one of EA’s non-Star Wars franchises, and early fractures among its co-founders. The real story about the company behind Zero Company
Risky science: why connecting research to application matters
There is not much benefit in producing science that just sits on a shelf. Effective science must extend beyond publication and address real-world needs argues Lynn Johnston, a Forest Fire Research Specialist with Natural Resources Canada and the Canadian Forest Service, in an editorial for the International Journal of Wildland Fire. While reading journal articles […]
Zach Ertz Reunion Rumors Addressed By Eagles GM
The Philadelphia Eagles were recently linked to their former star tight end Zach Ertz. Late last week, it was reported that Ertz would “love to” come back and play for the team he started his career with. On Monday, August 31, another report surfaced from the team’s perspective. According to PHLY’s EJ Smith, an Ertz […] The post Zach Ertz Reunion Rumors Addressed By Eagles GM appeared first on HEAVY.
Can this unlikely pair reshape Israeli politics?
In Israel’s divided politics, an Islamist leader is teaming up with a former Israeli police officer. CNN’s Tal Shalev explains that the unlikely pairing hopes to break new ground as they reshape what’s possible and address the everyday issues that affect the country’s Arab population.
Kalshi bans ex-congressman George Santos from prediction platform for life
Santos was accused of profiting from bets tied to his attendance at Trump’s State of the Union address
Boosting youth literacy one goal of RoarCorps program
Editor’s note: This is the second story in a five-part series about the University of Arkansas at Fort Smith’s RoarCorps program. Link here for the first story. To help address...
Kalshi bans ex-Congressman George Santos for life after concluding he likely was insider trading
The online prediction market platform Kalshi has permanently banned former U.S. Rep. George Santos after concluding the former Republican congressman likely engaged in insider trading when he bet against his attendance at the State of the Union address.
In the 608: Kindness Bank launching Kindness Alliance to promote community health and well-being
Kindness Bank is launching a new division focused on bringing organizations and community members together to address basic human needs and improve community health and well-being.
CARES Celebrates 5 Years Providing Alternative Emergency Services in Madison
Madison's Community Alternative Response Emergency Services program, popularly known as CARES, turns five years old on September 1, 2026.CARES has been warmly embraced by the community and enthusiastically supported by local leaders since its inception. Developed specifically to address acute behavioral health emergencies that are non-violent in nature, CARES aims to provide timely care that is responsive to a person's specific needs.
Kalshi Bans George Santos for Life Over State of the Union Bets
The decision comes after a federal regulator alleged he made more than $17,000 by placing bets on his attendance at the State of the Union address.
How Miles O’Brien and Arizona PBS created a national science series
"Resolve to Solve With Miles O'Brien" features scientists and innovators working to address some of the planet’s most urgent threats.
JD Vance set to address Jewish conservatives, as some Jews in GOP share concerns about his recent Israel remarks
Vice President JD Vance is set to address a gathering of Jewish conservatives on Monday, even as some Jews in the GOP have raised concerns about his remarks on Israel.
Shein’s dressed for its long-awaited market debut in Hong Kong. But the party may be over
Shein was the ultimate disruptor in fashion. By turning online trends into $11 jeans or $3 crop tops in a matter of days, the ultrafast fashion retailer overtook established companies such as Zara and H&M, prompting it to eye an IPO that would value the company at nearly $100 billion.
Vance to privately address Republican Jewish Coalition during tension over Israel and antisemitism
Vice President JD Vance is scheduled to speak Monday at the annual gathering of the Republican Jewish Coalition.
Seahawks GM addresses Terrion Arnold allegations after signing
Terrion Arnold cannot practice or play while his legal case and NFL review continue.
Japan-South Korea business panel launched to address low birth rate
The group aims to enable the two countries to share knowledge and experiences in seeking solutions to their demographic challenges through private-sector cooperation.
49ers address offensive line questions with trade for Texans veteran
There’s no bigger question mark on the 49ers’ roster than the interior of the offensive line, where the competition at left guard was uninspiring and they lost the player brought...
Health taxes: Overcoming technical and political challenges, including illicit trade concerns, and lessons from country experience
A virtual side event ahead of the seventy-seventh session of the WHO Regional Committee for the Western Pacific will explore how health taxes on tobacco, alcohol and sugar-sweetened beverages can reduce unhealthy consumption, generate revenue and support health priorities. Aligned with WHO’s 3 by 35 Initiative, the session will share country experiences in tax modelling, revenue allocation and addressing illicit trade, while highlighting practical strategies for advancing health tax policies. The event will be livestreamed on X, Facebook, YouTube and the RCM77 web page.
PlayStation May Delay Digital-Only Shift Following Rumors of "100% Physical Xbox Helix"
We recently reported that Xbox's disc-to-digital entitlement program and the new CEO's refusal to address questions about Helix's disc drive suggested that the gaming giant was moving towards a new all-digital future, starting with Project Helix. However, a competing rumor—via Eurogamer...
Fiona Ma explains why she should be California's next Lieutenant Governor
Fiona Ma, California’s state treasurer, is running for lieutenant governor and shared her vision for addressing economic challenges, housing shortages, and regulatory issues across the state in an interview on California Politics 360.
Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices
Hey all, Jason here. When this hits your inbox, I should be en route to the airport — not to go anywhere myself, just to pick up my better half. I must admit, it’s been strange to be home alone (well, with two dogs) for two weeks! Really lets me “optimize” to spending more time on reading/writing/working, whether that’s healthy or not! Looking forward to getting back into a (somewhat) more balance routine. Subscribe or Support by Upgrading Compare Notes With the People Who Built Modern Fintech Partner content: Remitly CEO Sebastian Gunningham. Increase founder Darragh Buckley. Linda Du, Co-founder & President at Valon. They’ll unpack the decisions behind building and scaling major financial products: what they got right, what broke, what they would do differently, and how AI and new infrastructure are changing the operator playbook. Most events tell you where fintech is going. NerdCon puts the people who built the present in the room and asks them what comes next. Expect an operator-led conversation grounded in real products, real trade-offs and lessons earned the hard way. Fintech Business Weekly readers save 20% on Regular tickets with code FBW20 before standard pricing ends September 11. Meet the Builders Things To Know & Other Good Reads Advent and Stripe Abandon $50 Billion Pursuit of PayPal (Bloomberg) Trump Family’s New Crypto Bank Is Backed by Abu Dhabi Sheikh (Wall Street Journal) The multiplying risks of financing data centres (FT) Let the Bond Market Speak (Wall Street Journal) Did we waste a crisis? Modest proposals to reform deposit insurance. (Fintech Takes Banking) Untangling Guggenheim: How Private Credit Built Its Own Universe (Net Interest) The Hater’s Guide To Circular Financing — Part One (Ed Zitron) Fiat Ventures Rebrands to FGV Capital, Announces $35M Oversubscribed Fund II (BusinessWire) Socure Announces Strategic Growth Investment at $5.2B Valuation and Acquires Agentic Operations Platform Fravity (Socure) Listen: When Consumer Protection Disclosures Work Too Well (Consumer Finance Monitor Podcast) Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices When Andreessen Horowitz led EarnIn’s $39 million Series B in 2017, Alex Rampell, a partner at the storied venture capital firm, described EarnIn’s small-dollar advance product as “free,” relying on “entirely on voluntary contributions instead of fees.” Rampell favorably compared EarnIn’s approach to typical payday loans, writing, “Payday loans historically have had the potential to be a slippery slope for consumers into financial distress: opaque systems and steep fees that are hard to repay and set individuals back further than where they started. For many Americans living paycheck to paycheck, that kind of slide into debt can be extremely difficult to recover from.” But EarnIn’s product — which, the company says, isn’t a “loan,” legally speaking — ends up being anything but free for most users. While it is technically possible to take a no-fee advance from the company, most users incur “Lightning Speed” (instant funding) fees and/or ostensibly optional tips that combined can equate to annualized percent rates that can reach over 1,000%. With an average term of 9.77 days, even fees and tips that are small on an absolute dollar basis are equivalent to high APRs on an annualized basis. A lawsuit filed last week by Colorado Attorney General Phil Weiser against EarnIn describes the company and its product and business practices quite differently than Andreessen’s Rampell; “EarnIn’s business practices are unfair because they are immoral, unethical, oppressive and unscrupulous,” the complaint, filed in District Court in Denver, Colorado, says. EarnIn’s marquee product, Cash Out, isn’t a loan, the company says, as Cash Out is not “[f]orward [l]ooking” because “[t]he money is transferred based on earnings to date,” does not carry a mandatory fee to access funds, and is “non-recourse,” meaning EarnIn cannot pursue recovery from users who don’t repay advanced funds. EarnIn is sometimes referred to as an “Earned Wage Advance” service. Though, unlike some others in the broader category, EarnIn does not integrate with employers’ payroll or time and attendance systems. Rather, EarnIn attempts to verify a user’s income and employment, by examining direct deposit transaction data in their linked external bank account, by using GPS location and Bluetooth data to estimate a user’s time spent at work, if they work in a fixed location, and/or by having a user provided a work email address. While repayment is theoretically optional, as EarnIn would have no recourse, such as reporting non-payment to the credit bureaus or a collections agency, this is anything but clear to users of the EarnIn app, Colorado’s complaint argues. During the process of taking a Cash Out, users must agree to a preauthorized debit of the amount advanced, plus any expedited funding fee and/or tips. Though users technically can revoke this ACH authorization, the fact that they have this right isn’t presented to users during the Cash Out process, but rather is included in linked terms and conditions few users are likely to actually read. And users who do wish to revoke their ACH authorization must do so three or more days before the scheduled transaction date by emailing EarnIn’s customer support. Similarly, EarnIn’s marketing claims that it carries “no interest” and “no mandatory fees” is technically true, but is not the reality for many of the app’s users, the Colorado complaint argues. Further, EarnIn has extensively marketed to users the ability to “access your pay today,” to get “instant” funds, and to get funds “the same day you work” — when, in reality, this speed of access was only possible by paying the additional, undisclosed Lightning Speed fee. The Colorado complaint highlights this contradiction specifically, noting: EarnIn tells consumers that they can ‘Make any day payday with EarnIn’ and that there no ‘hidden’ or ‘mandatory fees.’ For a consumer to access their pay on the same day requested, they would have to pay the Lightning Speed fee. In the fine print of the advertisement EarnIn discloses that ‘[f]ees apply to use Lightning Speed,’ a direct contradiction to the larger text of the advertisement, and a fact that would not be immediately understood by a consumer as ‘Lightning Speed’ is not defined nor explained. Like other small-dollar lending services, rather than explicitly charge interest, EarnIn collects a markup on the optional Lighting Speed fee, which, given the nature of the transactions, many users opt for, as well as offering users the option to leave “tips.” EarnIn leverages either Real-Time Payments (RTP) rails or push-to-card via debit rails if a user opts for the optional Lightning Speed. But while these capabilities cost EarnIn, on average, $0.075 or $0.20 per transaction, respectively, EarnIn charges users significantly more. Initially, EarnIn charged as little as $1.99 for Cash Outs up to $24. But EarnIn has hiked these fees multiple times, and now charges $4.99 for Cash Outs up to $75 and $6.99 for those over $75. According to the Colorado complaint, EarnIn leverages “dark patterns” to manipulate users and to make it more difficult to avoid tipping. Examples of these “road blocks” highlighted in the complaint include: As of 2023, in the EarnIn app, a consumer attempting to get a loan under the default settings had to make at least eighteen separate taps to complete the transaction and reduce the tip to $0. There is an alternative method to leave a $0 tip, via the “Custom tip” feature, but EarnIn made this option difficult to access by visually deemphasizing it and positioning it near devices’ “home” button. Using language and imagery such as “Tip to pay it forward,” “Your generosity supports the service + helps,” “Your tips make a difference,” and “[t]he APR for this cash out is 0%. Your tips help support us.” While Lightning Speed and tipping are, in theory, both optional, in practice, users nearly always ended up paying something. According to the Colorado suit, users were charged either a tip or an expedite fee for more than 92% of transactions, with an average APR of nearly 388%. And, although the advances are “non-recourse,” EarnIn successfully collects on nearly all transactions — 99.18%, according to the complaint, which, Colorado argues, “demonstrat[es] that EarnIn’s advances function as high cost loans, not voluntary payments.” The share of EarnIn users incurring fees — despite the product being marketed as 0% APR — is hard to reconcile with Andreessen investor Rampell’s favorable description of EarnIn vs. “opaque systems and steep fees” associated with payday loans, which, Rampell says, can be “extremely difficult” for borrowers to extricate themselves from. According to Colorado’s suit, EarnIn’s Cash Out product “trapped many consumers in extreme cycles of high-cost reborrowing.” The suit gives an example of one consumer in the state, who took out a whopping 1,151 loans, paying a total of $4,038.50 in Lightning Speed expedited funding fees on loans that averaged the equivalent of 1,421% APR. Another Colorado user, the suit says, took out 1,033 loans, paying $8,561.22 in tips and fees at an average APR of 1,539% . These types of usage patterns demonstrate “the severe and repeated financial harm caused by EarnIn’s illegal lending model,” the Colorado complaint argues. In aggregate, from January 2023 through July 2025, EarnIn extended 3.1 million loans to 56,778 users in Colorado — an average of nearly 55 transactions per person during the time period. EarnIn lent more than $300 million and collected more than $16 million from Colorado users in Lightning Speed fees and in tips. Ultimately, the Colorado complaint argues that “EarnIn’s Cash Outs are loans under Colorado law, and EarnIn’s contention that its product is not a loan based on its disclaimer of any legal repayment obligation lacks any real-world significance given how the Cash Out transactions actually operate in practice.” Colorado further argues that “EarnIn was not working with companies here in providing consumers with funds but acted as a third-party lender and charged illegally high rates, used deceptive design strategies to extract some charges, and trapped consumers in repeat borrowing. Colorado will continue to stand up for consumers and hold companies accountable when they violate our credit laws or attempt to evade them through misleading practices.” Colorado’s suit alleges EarnIn assesses finance charge in excess of that permitted by Colorado law, that EarnIn failed to make legally required disclosures to Colorado borrowers, that EarnIn made supervised loans to consumers without obtaining the requisite license, that EarnIn violated the state’s Deferred Deposit Loan Act, that EarnIn engage in unfair and deceptive trade practices, and that EarnIn made false or misleading statements concerning price. The suit seeks a court order enjoining EarnIn from violating relevant Colorado laws, for EarnIn to refund amounts charged in excess of state law, fees, costs, and penalties, and other relief the court deems to be just. Fintech Business Weekly is made possible by the generous support of paying subscribers — bringing you independent analysis of banking, fintech, and crypto without fear or favor. You can support my work by becoming a paying subscriber if you aren’t already. Paying subscribers enjoy: access to the entire archive of nearly six years of newsletters extended versions of the weekly newsletter, with additional content and analysis and (for founding member tier) quarterly personal 1:1 fintech Q&A / strategy calls with me, tapping into my unparalleled knowledge of the intersection of banking and fintech and experience working in the sector, including helping to launch Goldman Sachs’ retail bank Marcus Support Fintech Business Weekly You can also support Fintech Business Weekly by sponsoring a newsletter or podcast, putting you in front of 93,000+ of the most influential decision makers in banking, fintech, and crypto. Learn more about sponsor opportunities or request a media kit by dropping me an email. Q2 Quarterly Banking Profile: Five Quick Takeaways The FDIC released its quarterly banking profile, which is always worth a read, for the second quarter. The profile provides an aggregate snapshot about the overall health of the 4,238 institutions whose deposits are insured by the FDIC, who, collectively, hold more than $26 trillion in assets and saw a total net income of more than $90 billion in the second quarter. Net income was up 12% vs. Q1 2026, with lower provisions and realized gains on securities helping to drive the improvement, somewhat offset by increases in non-interest expense and applicable income taxes. Overall net interest margin was basically flat quarter over quarter (up 1 basis point vs. Q1 2026), though community banks saw NIM grow by 10 basis points, to 3.81%. Unsurprisingly, given that interest rates haven’t changed, unrealized losses on securities changed little, edging up slightly to $326.7 billion vs. $325.1 billion in Q1 2026. Aggregate credit quality has remained benign, with asset quality actually improving slightly in Q2. Overall, institutions reported a 9 basis point decline in their past-due and non-accrual rate, to 1.44%. Net charge off rate also declined by 2 basis points, to 0.57%. And finally, the FDIC’s deposit insurance fund stands at $161.1 billion, making the DIF reserve ratio 1.48% — above the statutory minimum of 1.35%, but still below the designated target reserve ratio of 2%. [Paid Subscriber Exclusive] Nissan Withdraws ILC App, State Associations Plan BankChain Alliance, FDIC Defines “Unsafe or Unsound Practice” For First Time Automaker Nissan withdrew its application to charter a Utah industrial loan company and its corresponding application to the FDIC for deposit insurance last week, on August 19th. Nissan’s application had been outstanding for more than a year, as it originally applied in June 2025. Recent applications to the OCC to form national banks have been decisioned, one way or the other, substantially more quickly than has historically been the case.
A Mortgage Servicer Sent a Letter About an Address Change. Was It Deed Theft?
A letter arrived in the mail from PNC Bank about an address change on a mortgage account. Was a deed theft scheme in process?
UW Health officials address measles vaccine misconceptions
As measles cases across the state continue to rise, UW Health officials are addressing misconceptions people may have about the MMR vaccine.
Tim McGraw addresses falling onstage at his Cincinnati concert
Tim McGraw fell on his back while performing ‘I Like It, I Love It’ in Cincinnati, Ohio, on Aug. 27.
Blakeman says Lake America is 'fun' as other NY pols push back
Republican Western New York state Sen. George Borrello told Spectrum News 1 it’s a distraction from actually addressing trade issues with Canada.
Action urged for Mississippi's rural mental health crisis
Social worker: Addressing this rural mental health crisis in Mississippi should not only be a public health priority, but a moral imperative grounded in the inherent dignity and worth of every person.
Warsh says inflation still too high, interest rates may need to be raised
He addressed global banking leaders and finance ministers Friday at the Jackson Hole Economic Symposium in Wyoming
Warsh says inflation still too high, interest rates may need to be raised
He addressed global banking leaders and finance ministers Friday at the Jackson Hole Economic Symposium in Wyoming
DPSCD board addresses funding gaps between sports teams
The Detroit school district provides $200 in funding for each K-8 sports team. That’s not enough, says DPSCD Board President LaTrice McClendon.
Accessible tech helps small businesses overcome costs, labor gaps, and entry barriers
Accessible technology helps small businesses lower startup costs, simplify training, address labor gaps, and expand into new technical services.
Jelly Roll addresses speculation about his politics after Trump joke
Jelly Roll is finally letting fans know where he stands when it comes to politics.
Jelly Roll clarifies political views after Trump digs on 'Kimmel'
In his final night hosting "Jimmy Kimmel Live," Jelly Roll gave an impassioned speech and addressed his politics: "A handshake is not an endorsement."
Political Science Faculty Member Addresses United Nations | GW Today
Angela R. Pashayan highlighted the importance of advancing the 2030 Agenda for Sustainable Development at the United Nations.
Political Science Faculty Member Addresses United Nations | GW Today
Angela R. Pashayan highlighted the importance of advancing the 2030 Agenda for Sustainable Development at the United Nations.
Jelly Roll Finally Addresses His Political Views on 'Kimmel'
Jelly Roll delivered an emotional monologue on 'Jimmy Kimmel Live' describing his political views and encouraging people to support each other.
Mike Vrabel addresses Christian Gonzalez’s contract frustrations
Patriots coach Mike Vrabel commented on star cornerback Christian Gonzalez's contract frustrations.
Meta settlement falls short on teen mental health protections, whistleblower says
A whistleblower whose testimony helped build a child safety case against Meta Platforms said on Wednesday that the firm's settlement with a coalition of U.S. states does not meaningfully address harms from social media that he described in court.
Packers add depth at tight end by signing veteran Jonnu Smith to 1-year deal
The Green Bay Packers have addressed their depth issues at tight end by signing veteran Jonnu Smith to a one-year contract. Rosenhaus Sports, which represents Smith, announced the signing in a social media post on Thursday. Smith, 31, caught 38 passes for 222 yards and two touchdowns last season in 17 games with the Pittsburgh Steelers, who released him in March.
Blog details why economic impact of health disparities matters for hospitals and health systems
Joy A. Rhoden, AHA senior vice president and executive director of health outcomes and care transformation, explores the economic impact of health disparities and discusses how the AHA’s new Economic Impact of Disparities in Health Outcomes Resource Guide helps organizations build the business case for action. The guide offers data-driven strategies to identify and address health disparities, along with real-world examples of hospitals and health systems using data, quality improvement efforts and targeted interventions to improve outcomes and achieve measurable results.
Is Germany benefitting yet from the crisis in US research?
Science|Business - Table.Media partnershipScience|Business has partnered with Table.Media, a leading source of news about higher education and research in Germany. Each week, we are publishing one of each other’s stories to give readers an even broader range of insight into R&D policy across Europe.Drawing over 500 participants, the German Academic International Network conference in San Francisco brings together researchers, universities, scientific organisations and policymakers in the US as part of an attempt to recruit international talent for Germany. It also serves as an annual barometer for the uncertainty triggered by the Trump administration’s science policies. As was the case last year, Germany’s political presence was unusually strong: federal lawmakers, nine state ministers of science and research, and federal research state secretary Marcus Pleyer all attended. Joybrato Mukherjee, president of the German Academic Exchange Service (DAAD), has observed a marked shift at US universities a year after the Trump administration began sweeping interventions: the initial state of "shock and paralysis" has given way to a strategic approach to the situation. Universities are seeking new funding sources, mounting legal challenges against interventions and opening themselves up more to international collaborations, including with Germany, he said. Early-career international researchers with expiring visas are considered particularly vulnerable. Germany is benefiting from increased demand among this pool of young talent; the country’s 1,000 Minds Plus programme, designed in part to lure German academics back home, has already filled up around one-third of its capacity. Meanwhile, Markus Blume, Bavaria’s science minister and current chair of the federal Conference of Science Ministers, sees an "enormous outflow of talent from the US." An increasing number of international researchers want to leave. Applications to Canada have risen by 42% January, and those to Europe by 32%. Meanwhile, the number of people drawn to the US is plummeting. "In this context, Germany must position itself as a prime destination offering reliable conditions, institutional stability and academic freedom, including through smart collaborations," Blume told Table.Briefings.“Darkest hour”At the get-together in San Francisco, the former president of the US National Academy of Sciences, Marcia McNutt, highlighted the gravity of the situation on the ground in a keynote address. She described the present moment as the "darkest hour for the US scientific system." At the same time, she said that cooperation should be maintained, especially during a crisis. Established researchers in the US are less likely to leave. Ulrike Malmendier, a former member of the German Council of Economic Experts and an economist at Berkeley, explained why established researchers are not packing their bags and leaving the US in droves: working conditions and the concentration of talent at places like Berkeley and Stanford remain unparalleled. According to Peter-André Alt, managing director of the Wübben Foundation, which helps Germany attract international academics, political restrictions are not the only grievance voiced by US-based researchers. "There are evidently still many areas where, fortunately, unfettered research is possible," Alt told Table.Briefings. Instead, the primary complaint concerns the cost of living, which has "skyrocketed” to absurd levels. "Runaway inflation, like that currently seen in the US, is certainly no draw for young scientific talent,” he said. Return homeA growing number of early-career researchers from Germany appear to be considering a return home. Jörn Benzinger, who is responsible for recruiting early-career researchers from abroad at Ruhr University Bochum, reports numerous conversations with researchers who are taking a closer look at the German academic landscape."Germany has definitely moved more into the spotlight,” he said. States, university alliances and research organisations joined forces to recruit talent. Bavaria, Baden-Württemberg and North Rhine-Westphalia were prominently represented, as were alliances such as the Berlin University Alliance and the University Alliance Ruhr. Benzinger sums up Germany’s approach with a new formula: "collaboration is the new competition." He notes that it is becoming increasingly difficult for individual universities to gain international visibility, while regional research ecosystems and collaborations are growing in importance. Afraid to leaveThe crisis in the US academic sector is also straining transatlantic research relations. Benzinger reports that some US-based researchers had to decline brief invitations to Germany because they could not be certain of being allowed to re-enter the US afterward.He considers the simple poaching of researchers to be the wrong approach; what is needed, he says, are "reliable offers and long-term partnerships."However, Green Party politician Ayşe Asar, who also attended the conference, sees a significant need for improvement, particularly regarding career paths in Germany.While lifetime professorships and academic freedom certainly make Germany attractive, young researchers also require predictable career paths, tenure-track positions and flatter hierarchies.
Lamar Jackson has one goal for his 2026 rushing workload
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UT San Antonio launches new undergraduate degree to address healthcare workforce needs in Texas
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On Demand: Removing Structural and Financial Barriers ─ Region 7 Maternal Health ECHO® Session 3
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Mozambique strengthens regulation of medicines and imported vaccines, boosting health protection
Mozambique has reached a major milestone in strengthening the regulation of medicines and imported vaccines, with its national regulatory authority recognized by the World Health Organization (WHO) as having a stable, well-functioning and integrated regulatory system.The Autoridade Nacional Reguladora de Medicamentos de Moçambique (ANARME) has achieved Maturity Level 3 (ML3) for the regulation of medicines and imported vaccines under WHO’s global classification of national regulatory authorities.Mozambique becomes the 10th country in Africa to reach ML3, joining Egypt, Ethiopia, Ghana, Nigeria, Rwanda, Senegal, South Africa, Tanzania and Zimbabwe and marking further momentum in strengthening regulatory systems across the region.For people in Mozambique, stronger regulation means greater assurance that medicines and vaccines are appropriately evaluated for quality, safety and efficacy and monitored throughout their lifecycle. It also strengthens the country’s ability to identify and respond to safety concerns and substandard or falsified products, while supporting timely access to quality-assured health products.“Mozambique’s achievement is the result of sustained investment in regulatory capacity that will deliver crucial benefits for public health,” said Dr Sylvie Briand, WHO Chief Scientist and Assistant Director-General a.i. for Health Systems, Access and Data. “Strong regulatory systems protect people, build confidence in health products and help countries respond more effectively to evolving public health needs and challenges. Mozambique’s progress also contributes to advancing regulatory capacity across Africa and promoting more equitable access to safe and quality-assured medicines and vaccines.”Building a stronger regulatory systemMozambique’s achievement follows years of sustained efforts to build the institutions and capabilities needed for effective regulation.WHO worked closely with ANARME throughout this process, assessing the national regulatory system and supporting the authority in addressing identified gaps and strengthening priority areas.WHO evaluates national regulatory systems using its Global Benchmarking Tool (GBT), which assesses the regulatory functions required to ensure the quality, safety and efficacy of medical products. These include registration and marketing authorization, licensing, market surveillance and control, pharmacovigilance, regulatory inspection, laboratory testing and oversight of clinical trials, as applicable. WHO’s maturity levels range from 1 to 4. Reaching ML3 confirms a stable, well-functioning and integrated regulatory system, while ML4 represents an advanced system focused on continuous improvement.Benefits for Mozambique and the African continentAn ML3 regulatory system can support more timely and predictable regulatory decisions, reinforce safety monitoring and help ensure that health products entering and remaining on the market meet appropriate standards.It also creates greater opportunities for regulatory cooperation and reliance – approaches that help authorities make use of the work and decisions of trusted regulators, reduce unnecessary duplication and allocate limited resources more efficiently, while maintaining rigorous standards for quality, safety and efficacy.As the first Portuguese-speaking country in Africa to reach ML3, Mozambique’s experience can also contribute to strengthening regulatory systems and fostering greater cooperation, knowledge sharing and reliance among Portuguese-speaking countries and across the African continent. Its achievement further reinforces a more connected African regulatory ecosystem, providing a solid foundation on which the newly established African Medicines Agency can build to advance regulatory convergence and cooperation across the region.Strengthening confidence in regulatory recognitionMozambique’s achievement comes as WHO strengthens the process through which the performance of national regulatory systems is recognized.The newly established Technical Advisory Group on Regulatory Systems Strengthening (TAG-RSS) brings together independent international experts to advise WHO on whether recommendations concerning regulatory authorities reaching ML3 and ML4 and WHO-Listed Authorities, are supported by the findings of WHO evaluation processes. Its recommendations provide an additional level of independent assurance, strengthening the impartiality, transparency and credibility of WHO’s recognition process.Mozambique is among the first countries to achieve ML3 following consideration and recommendation by the TAG-RSS. As part of the same TAG-RSS process, South Africa was recommended to retain its ML3 status for the regulation of vaccines manufactured, imported or distributed in the country, following an additional WHO assessment. This extends the recognition first granted in 2022 and underscores the sustained performance of the South African Health Products Regulatory Authority (SAHPRA).The two recognitions highlight continued progress in strengthening regulatory systems across Africa, as well as the importance of continued performance, improvement and assessment in sustaining regulatory maturity.WHO will continue working with ANARME and SAHPRA to sustain these gains and support continuous improvement as science, technologies and public health needs evolve.
Trump's frustrations drove vaccine order, but MAHA wants more
President Donald Trump's frustration that his administration was not doing enough to address what he considers a likely contributor to autism drove a U.S. executive order this month that cut back the number of childhood vaccinations, administration officials told Reuters.
Patriots Executive Breaks Silence on Christian Gonzalez’s Contract Standoff
The New England Patriots have had a summer of trying to find common ground with Christian Gonzalez.With the regular season approaching and no extension in place, one of the Patriots’ top decision-makers gave a fresh perspective on the stalemate.Executive vice president of player personnel Eliot Wolf addressed Gonzalez’s contract situation during his halftime interview with […] The post Patriots Executive Breaks Silence on Christian Gonzalez’s Contract Standoff appeared first on HEAVY.
Eastlake science students make district history
Three Eastlake High School students made Sweetwater Union High School District history this year when they became the first students from the district to qualify for the International Science and Engineering Fair, an international competition that brings together some of the top high school researchers from around the world. Ronald Wyatt, Giles Del Priore and Ihan Sung advanced to the competition after successful runs at regional and state science fairs. Sung went a step further, placing fourth in the chemistry category at ISEF. The students were recognized on Aug. 10 during a Sweetwater Union High School District board meeting at the district office in Chula Vista.For Wyatt and Del Priore, recent Eastlake graduates, the journey began with a shared concern about dementia and the challenges faced by families caring for loved ones with memory impairment. Their engineering project, “Design and Evaluation of a Behaviorally Grounded Caregiver-Governed AI Companion for Individuals with Memory Impairment,” earned the Sweepstakes Award at the Sweetwater District STEM Fair and first place in its division at the Greater San Diego Science and Engineering Fair. The project explored whether Artificial Intelligence could provide companionship and support while helping reduce stress for people with dementia and their caregivers. “Our inspiration came from personal experience. Both of us have seen family members and loved ones affected by dementia, and we’ve witnessed how overwhelming the caregiving process can be,” Wyatt said. Del Priore said the students also wanted to address the high cost of third-party health care services while creating something that could potentially help their own families as well as people elsewhere. The students developed an AI system designed with safeguards intended to prevent misinformation reinforcement, emotional escalation and unsafe responses. In 240 controlled trials involving memory, identity, agitation and neutral scenarios, they said the system consistently prevented harmful incorrect reinforcement while using context-aware silence, de-escalation and caregiver verification. The project required the students to combine Artificial Intelligence, psychology, neuroscience and human-computer interaction. For Del Priore, one of the biggest technical challenges was getting the AI companion to communicate verbally with a patient. Hardware limitations required the students to collaborate with multiple Python libraries for speech-to-text and text-to-speech functions while keeping the cost of the companion low. “For us, the biggest challenge was translating complex behavioral and cognitive care principles into a functioning AI system,” Wyatt said.Qualifying for ISEF was a milestone that student expected. The international competition proved to be another milestone. “Competing at ISEF was an incredible experience and unlike anything we’ve ever done before,” Del Priore said. “Being surrounded by some of the most talented young researchers from around the world was both inspiring and motivating.” He said the experience stood out because of the emphasis on collaboration, innovation and scientific discovery. “The most memorable part was seeing how people from completely different backgrounds and disciplines approached solving real-world problems with creativity and passion,” he said. The students also credited teachers and mentors who supported their work. Del Priore said his sophomore-year AP Physics teacher, Dr. Price, was particularly influential. “Through all of my personal and academic struggles, Dr. Price always believed in me,” Del Priore said. “All of his faith in me really molded me into the person I am today and helped create my love for science even through tough times.” Wyatt is continuing his education at UC Santa Cruz, where he plans to study biomolecular engineering and bioinformatics, with an interest in research involving Artificial Intelligence, biology and health care. Del Priore plans to double major in chemistry and accounting. Sung, a rising Eastlake senior, qualified for ISEF after winning first place in the Engineering: Energy, Materials & Transport category at the Greater San Diego Science and Engineering Fair and first place in chemistry at the California Science and Engineering Fair. His project, “Renewable Ammonia Electrochemical Synthesis by Glow Discharge with an Iron-Based Catalyst,” involved a device he designed and engineered to produce renewable ammonia, with potential applications in fertilizer production and energy storage. Sung became interested in the project after considering the relationship between food insecurity and fertilizer costs. His system uses plasma to break apart nitrogen molecules so they can interact with hydrogen and form ammonia. At ISEF, Sung competed against more than 1,700 students from 65 countries and earned fourth place in chemistry. “I am proud to become one of te first students in the district to qualify for ISEF because this milestone can inspire others in the district to attain similar goals,” Sung said.
Letter: Apply science, aloha to solve cat problem
Hawaii must address the impact of free-roaming cats on native wildlife, but it must be done humanely and based on science. Simply restricting feeding is not a viable solution; it risks increasing predation on endangered species and ignores the root causes of the problem. Hungry cats do not disappear — they might hunt more, further threatening native wildlife (“Enact law to curb feral cat colonies,” Star-Advertiser, Our View, Aug. 19). That is not a responsible outcome.
Mike Vrabel addresses Drake Maye, starters’ preseason finale status
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1 problem Yankees must address before MLB playoffs
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Analysis: Does defeat foreshadow struggles this season?
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Roundup: ExxonMobil / SBA workforce initiative / New HoganTaylor CEO
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