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Pick of the stats: Preston North End v Blackburn Rovers
Here are the key stats for Preston North End v Blackburn Rovers.
Milwaukee adopting Baltimore's model for reducing infant mortality
In Baltimore, a 2009 initiative has reduced infant deaths by more than one-third and closed gaps between Black and White infant outcomes.
Fast-food franchisee chooses Tampa to debut healthy eating drive-thru
Tampa-based drive-thru concept Greenlane is redefining convenience with fresh, made-to-order meals — and bringing innovation to an industry sorely lacking it.
NVIDIA Confirms DLSS 5 for GeForce RTX 40-Series is Coming
NVIDIA has officially confirmed that the company is working to bring DLSS 5 neural rendering to the previous-generation GeForce RTX 40-Series "Ada Lovelace." Previously, it was believed that DLSS 5 technology would be exclusive to the latest GeForce RTX 50-Series "Blackwell" and future models,...
$50B rural health transformation program needs more transparency, groups say
One year into its creation, a $50 billion federal program aimed at improving rural health care lacks transparency, which could make it difficult to protect against fraud, identify successful projects ...
With Academy of Natural Sciences closing, STEM professionals worry about impact on students
When Atiyah Harmon brought her group from Black Girls Love Math to the Academy of Natural Sciences Museum last year, the students got a chance to see the possibilities of
Guidelines needed as AI embraced by mental health practices
Artificial intelligence (AI) tools are overwhelmingly being used in mental health practices to support administrative tasks, but University of Queensland researchers have found they potentially lack privacy, ...
Pete Hegseth’s problems are getting harder to ignore
When GOP Sen. Mitch McConnell voted against Pete Hegseth for defense secretary last year, he bypassed the big-ticket controversies over Hegseth’s personal life and instead focused on his lack of experience.
Blue Ridge Health plans new medical facility in Hendersonville
WLOS News 13 provides local news, weather forecasts, traffic updates, notices of events and items of interest in the community, sports and entertainment programming for Asheville, NC and nearby towns and communities in Western North Carolina and the Upstate of South Carolina, including the counties of Buncombe, Henderson, Rutherford, Haywood, Polk, Transylvania, McDowell, Mitchell, Madison, Yancey, Jackson, Swain, Macon, Graham, Spartanburg, Greenville, Anderson, Union, Pickens, Oconee, Laurens, Greenwood, Abbeville and also Biltmore Forest, Woodfin, Leicester, Black Mountain, Montreat, Arden, Weaverville, Hendersonville, Etowah, Flat Rock, Mills River, Waynesville, Maggie Valley, Canton, Clyde, Franklin, Cullowhee, Sylva, Cherokee, Marion, Old Fort, Forest City, Lake Lure, Bat Cave, Spindale, Spruce Pine, Bakersville, Burnsville, Tryon, Columbus, Marshall, Mars Hill, Brevard, Bryson City, Cashiers, Greer, Landrum, Clemson, Gaffney, and Easley.
A NASA Spacecraft Is Nearing The Edge Of The Solar System. Its Instruments May Be Shut Off Due To Lack Of Funding
New Horizons' instruments may be shut off before it reaches the Solar System's "termination shock", despite it being fully functional likely into the 2050s.
Deciphering black holes, problematic proteins, and ‘intelligent’ bacteria: 75 undergraduates experience Clark’s ‘Summer of Science’
Seventy-five undergraduate science majors at Clark spent the summer working closely with faculty mentors and diving deep into research. Their projects ranged from black holes in outer space to the ubiquitin protein system, whose dysregulation can lead to the development of cancer and other serious diseases.
Black River Entertainment To Host Imagination Library Benefit Event
Black River Entertainment is opening its Sound Stage Studios on Sept. 19 for the inaugural Studios [...]
Billionaire investor Leon Black sues and declines to testify in House committee’s Epstein investigation
Billionaire investor Leon Black is suing the House committee investigating Jeffrey Epstein to try and block the panel from obtaining his non-disclosure agreements and testimony.
Assassin's Creed Black Flag Resynced is seemingly on its way to Switch 2
In what may be one of the least surprising turns of events, Assassin's Creed Black Flag Resynced looks to be coming to Switch 2.
Opinion: Did climate predictions hold up?
A retrospective analysis shows the 1990 IPCC report correctly predicted much of today's climate crisis due to lack of action.
$50B Rural Health Transformation Program Needs More Transparency, Groups Say
By Arielle Zionts and KFF Health News HealthDay ReportersTHURSDAY, Sept. 3, 2026 (HealthDay News) — One year into its creation, a $50 billion federal program aimed at improving rural healthcare lacks transparency, which could make it difficult to protect against fraud, identify successful projects ...
What a political win in Cherry Hill says about the power of Baltimore’s Black women voters
In Baltimore politics, all roads go through Black women — the city’s largest, most consistent voting bloc.
Meet the South's first Black gay congressman
Rep. Everton Blair will serve just four months in Congress. Still, the South's first Black gay man in the House has plans for his short time there.
Satellite images show Burning Man's Black Rock City taking shape
Satellite images show Black Rock City rising from the Nevada desert, forming entry lines, camps, an airport, and art installations across the playa.
Adobe brings 70+ tools from Photoshop, Illustrator and more to Slack
Adobe added dozens of tools from its creative apps like Illustrator and Premiere Pro into Slack, allowing you to ask Slackbot to do the Photoshopping for you.
Cape Girardeau coffee shop closure highlights small business struggles
Downtown business owners said The Ground-a-Bout closure reflects a troubling trend and pointed to a lack of foot traffic in the area.
Cape Girardeau coffee shop closure highlights small business struggles
The owner of The Groundabout announced on social media Monday that all four of its shops are closing, including its cafe on Broadway in downtown Cape Girardeau. Other downtown business owners said the closure reflects a troubling trend and pointed to a lack of foot traffic in the area.
Lack of child care still a key need for WV businesses while state slowrolls lawmakers' bill
West Virginia’s business leaders continue to beat the drum that the state is woefully short on affordable childcare spots. They say it is one of the reasons the state continues to have the nation’s worst workforce participation of a little more than 50%.
ASU's Matthew Mayich had heat stroke, lack of oxygen to brain
Matthew Mayich, the Arizona State hockey player and Blues draft pick who collapsed in an offseason workout suffered exertional heat stroke that reduced the flow of oxygen to his brain, his attorney told ESPN.
Most Lancaster County Republican candidates decline nonpartisan forum invitations
The League of Women Voters of Lancaster County has canceled all but one of its five scheduled candidate forums due to a lack of Republican participation.
GLP-1 smuggling means big business for Brazil’s black market
With 5.5% of Brazil’s population using GLP-1s, smugglers are profiting from the illegal movement and sales of medication
Lacking Visitors, 200-Year-Old Science Landmark to Close
Philadelphia's Academy of Natural Sciences museum will shut its doors Sept. 30
Which bird sings the most pleasant song? Science reveals answer
The blackbird topped the pleasantness table and barn owls' sounds are considered the least pleasant, according to a new scientific study.
Dishonored's Creator Explains What So Many Games Are Missing
The co-creator of new studio Black Pony Immersive tells us about defying expectations in the most underserved genre
This Little Red Dot Might Be Hiding a Black Hole From the Beginning of Time
The object is so dense that physics itself starts behaving in strange, unfamiliar ways.
Adobe is making its tools available in Slack
Users will be able to access Express, Premiere, and Acrobat in Slack
WCU political expert explains Rep. Edwards' censure, breaks down overwhelming vote
WLOS News 13 provides local news, weather forecasts, traffic updates, notices of events and items of interest in the community, sports and entertainment programming for Asheville, NC and nearby towns and communities in Western North Carolina and the Upstate of South Carolina, including the counties of Buncombe, Henderson, Rutherford, Haywood, Polk, Transylvania, McDowell, Mitchell, Madison, Yancey, Jackson, Swain, Macon, Graham, Spartanburg, Greenville, Anderson, Union, Pickens, Oconee, Laurens, Greenwood, Abbeville and also Biltmore Forest, Woodfin, Leicester, Black Mountain, Montreat, Arden, Weaverville, Hendersonville, Etowah, Flat Rock, Mills River, Waynesville, Maggie Valley, Canton, Clyde, Franklin, Cullowhee, Sylva, Cherokee, Marion, Old Fort, Forest City, Lake Lure, Bat Cave, Spindale, Spruce Pine, Bakersville, Burnsville, Tryon, Columbus, Marshall, Mars Hill, Brevard, Bryson City, Cashiers, Greer, Landrum, Clemson, Gaffney, and Easley.
As Lil Nas X Spotlights Black Queer Men’s Mental Health, Advocates Push for Healing
Shame and stigma have long kept some men from seeking care. A growing openness could change that.
A pro soccer star's struggle highlights youth sports risks » Yale Climate Connections
Young people often lack the medical resources available to professional athletes when heat and smoke create hazardous conditions.
Leakers battle over whether third iPhone 18 Pro color will be silver or black
Based on a whole succession of leaks, there’s a clear consensus view on two of the three colors we can...
Leaked iPhone 18 Pro Parts Point to Three Color Options Excluding Black
Longtime leaker Sonny Dickson has shared an image of differently colored SIM card trays that he claims are for Apple's upcoming iPhone 18 Pro models, suggesting Apple's flagship lineup will again be available in a trio of colors: Silver, Dark Cherry, and Sky Blue. Apple currently offers the iPhone 17 Pro in Cosmic Orange, Silver, and Deep Blue.
'Ma Rainey's Black Bottom' review: Acting of the highest caliber
Gregg T. Daniel directs "Ma Rainey's Black Bottom" at A Noise Within, part of the theater's continuing exploration of the August Wilson Century Cycle.
Nobody is preparing for the worst day in history
There are multiple Black Swan events that could create a global famine with little to no warning. Governments must start preparing for them now — the risks of not doing so are too great.
New Signing: Malick Fofana
Black Cats beat Premier League rivals to secure Belgian international winger
'Red, White and Blue Jeans': Eastern Idaho State Fair kicking off nine days of food, fun and record-setting entertainment
BLACKFOOT — Dust off your denim and get ready to wave the Stars and Stripes because the Eastern Idaho State Fair is about to take over Blackfoot for nine straight
August research roundup: 7 cool science stories we almost missed
Also: A surprising connection between whale calls and special relativity, tiny sound-powered drones, and more.
Sports Streaming Is Broken. Can DC Fix It?
I’m old enough to remember the “bunny ears” antenna – which my little brother and I would take turns holding to banish the static from 1980s NFL broadcasts on our black-and-white TV. The challenges of watching televised sports in 2026 are different. At home, you have to figure out where a given game ...
Meta is switching from Google Chat to Slack for AI agents
Meta is moving employees from Google Chat to Slack, saying Salesforce's product is better suited for an ecosystem of AI agents.
ESPN Unlimited now fully integrated into YouTube TV
At long last, the partnership between ESPN and YouTube TV has reached its final form. About 10 months since Disney and YouTube TV finalized a new distribution agreement following fraught negotiations that kept Disney-owned networks blacked out on YouTube TV for weeks during the heart of football season, the moment YouTube TV subscribers have all…
DLSS 5 Officially Goes Live September 3 With NBA 2K27, Exclusive to RTX 50-series "Blackwell" GPUs
NVIDIA has confirmed that DLSS 5 will officially launch on September 3 alongside NBA 2K27, and it will remain exclusive to GeForce RTX 50-series GPUs. When asked directly at a Gamescom technical briefing whether older cards would ever receive support, NVIDIA gave a flat answer: "It's RTX...
Underground experiment in South Dakota's Black Hills reports 'compelling hint of dark matter'
An experiment deep underground in Lead, South Dakota, has reported its "most compelling hint of dark matter" to date.
ESPN Unlimited Now Available on YouTube TV
ESPN Unlimited content is now available directly on YouTube TV, giving the streaming service’s subscribers access to thousands of additional live sporting events. YouTube TV’s addition of ESPN Unlimited comes under the deal struck between Google and Disney reached in November 2025, after a two-week blackout of Disney-owned networks on YouTube TV. Other pay-TV providers …
iPhone 18 Pro Colors Apparently Include Black, But Skip Silver
iPhone 18 Pro colors could include Dark Cherry, Sky Blue, and Black, with a Silver option unlikely to make the final lineup, according to the leaker known as "Fixed Focus Digital". In a new post on Weibo, the leaker "Fixed Focus Digital" said the iPhone 18 Pro has entered full mass production and predicted a slightly different color lineup from what previous rumors have suggested, featuring Dark Cherry (also referred to as Burgundy), Sky Blue, and Black.
Democratic socialists' next hurdle: Winning over Black voters
DSA officials say their organizing is centered on economic concerns, from housing costs and food prices to stagnant wages.
A historic hospital's legacy for Black health care
Detroit's former Dunbar Memorial Hospital was founded to tackle gaps in medial care amid the Great Migration.
No One Knows All the Toxic Chemicals You’re Eating
More than 1,000 chemicals that migrate from packaging into food pose serious health risks, a new study shows. But the vast majority of chemicals lack enough information to tell if they’re safe.
Black Business Month in Birmingham
Black Business Month in Birmingham
Business owner loses millions worth in equipment due to Ross Fire
Co-owner of Blacksmith Ventures said that one day the Ross Fire was headed completely away from his shop and his millions of dollars' worth of equipment, then the next day the fire shifted and was hea...
Leaked DLSS 5 is Being Tested on RTX 20-series "Turing" GPUs, Now Runs on Emulators and Old DirectX Titles
The leaked DLSS 5 DLL keeps finding new homes, and support has now spread to RTX 20-series "Turing" GPUs. That architecture is three whole generations behind the NVIDIA-recommended "Blackwell," and modders are showing no signs of stopping either. Developer ShortFuse has released new DLSS-NR...
Save Over 50% Off a Like New Pair of Sony WH-1000XM6 Wireless Noise Canceling Headphones During the eBay Labor Day Sale
Includes a 2 year warranty.
AC Black Flag Resynced Update 1.0.7 Live Tomorrow on PS5, Get the Patch Notes Here
Visual effects changed and a new pet for the Hideout
Live Nation Urban Says It’s In The ‘Black Audience Business’
Live Nation Urban is building a broader business around Black audiences, creators, content, intellectual property and international expansion.
Florida grand jury finds DeSantis administration misused $10 million, but no charges have been filed
Despite the lack of charges, the report ignited a new round of criticism aimed at Gov. Ron DeSantis and other top state Republicans over the charity receiving $10 million from a state Medicaid settlement intended to help poor children get health insurance.
Garmin Cirqa review: A fine but utterly inessential smart band
Garmin's Cirqa band lacks the software and AI insights to make it a true Whoop rival.
Prominent Black Democrats rally behind Keisha Lance Bottoms
Republicans want to make Bottoms' record as Atlanta mayor a major liability in the governor's race, but her successor, Andre Dickens, offered an unequivocal defense on Sunday.
Black businesses invest in community
As National Black Business Month closes, Cincinnati leaders say supporting black-led businesses goes beyond where consumers spend their money.
Puck Drop Preview: 2026-27 Chicago Blackhawks
Last Word On Hockey‘s Puck Drop Previews are back for the 2026-27 season! As the regular season approaches, Last Word will preview each team’s current outlook and stories to watch for the upcoming year. We’ll also do our best to project how things will go for each team throughout the campaign. Today, we’re previewing the 2026-27 …
Insight: Booming weight-loss drug demand in Brazil fuels thriving black market and health fears
When Brazilian customs agents opened jars of dulce de leche aboard a tourist bus arriving from Paraguay in April, they discovered hundreds of vials of tirzepatide, the active ingredient in the popular weight-loss drug Mounjaro, mixed inside the sweet spread.
Booming Weight-Loss Drug Demand in Brazil Fuels Thriving Black Market and Health Fears
By Luciana Magalhaes SAO PAULO, Aug 31 (Reuters) - When Brazilian customs agents opened jars of dulce de leche aboard a tourist bus arriving from Paraguay in April, they discovered hundreds of vials of tirzepatide, the active ingredient in the popular weight-loss drug Mounjaro, mixed inside the ...
Ocala CEP highlights Black Business Month Resource Fair
We highlight one expo which brought networking opportunities to Ocala in the Weekly Buzz.
Black on the Block event showcases more than 100 Black-owned businesses in Chicago
100+ Black-owned businesses to take part in Black on the Block in Chicago
New Apple Watch Series 12 and Apple Watch Ultra 4 Features Revealed
Bloomberg's Mark Gurman today further outlined what to expect from the Apple Watch Series 12 and Apple Watch Ultra 4 set to be unveiled on September 9. While it was initially rumored that Touch ID may be coming to the Apple Watch this year, Gurman reiterated that he does not expect the Series 12 or Ultra 4 to have any major design changes compared to the current Series 11 and Ultra 3 models. Gurman does expect a ceramic case option to return for the Apple Watch Series 12.
Akron brings Black Wall Street Experience to the community
The Black Chamber of Commerce Summit County celebrates Black Business Awareness Month with the Black Wall Street Experience. Inviting entrepreneurs to promote their business and network with likeminded individuals.
Akron brings Black Wall Street Experience to the community
The Black Chamber of Commerce Summit County celebrates Black Business Awareness Month with the Black Wall Street Experience. Inviting entrepreneurs to promote their business and network with likeminded individuals.
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.
Microsoft Admits Windows 11 KB5120998 Update Breaks Mouse Cursors, With Wallpapers Turning Black Until You Uninstall It
Microsoft is investigating issues with Windows 11 KB5120998 update causing mouse cursor and wallpaper bugs, prompting users to uninstall the update.
This strange “spacetime crystal” can suddenly become a black hole
Physicists have mathematically captured a bizarre “spacetime crystal” that can either dissolve or collapse into a microscopic black hole after only a tiny change in energy. Their breakthrough came from an unusual trick involving infinitely many dimensions, potentially giving researchers a new tool for studying primordial and microscopic black holes.
Lack of self-esteem and poor mental health: Why Vincent Van Gogh didn’t always put his name on his work
The Dutch artist only signed 15% of his 840 known paintings
Blackhawks agree to 2-year contract with defenseman Kevin Korchinski
The Chicago Blackhawks have agreed to a two-year contract with defenseman Kevin Korchinski. Chicago announced the deal with the restricted free agent on Saturday. The 22-year-old Korchinski posted two assists in 13 games with the Blackhawks last season.
Turkiye summons Ukraine ambassador over Black Sea attacks
Two Turkish-operated vessels have been struck this week as a result of the war between Russia and Ukraine.
Residents discuss the next steps for Columbia's Black business district
With the Shops at Sharp End closing next month, Columbia community members discuss how to best move forward in the area.
Meet the Black candidates seeking history in governor's races this fall
A historic group of Black candidates are running for governor in 2026, with several seeking to expand Black representation in state leadership and make history this fall.
Browns add Cornerback Depth Off Waivers from the Indianapolis Colts
The Browns added NFL experience in the defensive secondary, claiming cornerback Mekhi Blackmon off waivers from the Colts on Friday.
Mission Health, Monarch, Gurwin Execs Weigh In on Hiring Drivers in the Nursing Home Sector
Survey changes, value-based care and other regulatory updates are shaping how operators hire and build clinical teams. As regulatory priorities shift and
Sen. Tammy Baldwin Pushes to End High Streaming Costs and Sports Blackouts
U.S. Sen. Tammy Baldwin met with local sports bar owners in Eau Claire on Friday to promote her “For the Fans Act,” a piece of legislation aimed at tackling rising sports streaming costs and eliminating broadcast blackouts for local games.
New report finds that over 2 million women live in maternal care deserts
Thirty-four percent of counties in the U.S. lack access to OB-GYN care
BMC Health System Hosted a "Family Meeting" of Experts on Land and Generational Wealth at Historic Union Chapel
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“New analysis of more than 300 bear encounters suggests our canine companions often increase odds of conflict and rarely serve as early warning systems many recreationists assume,” reads a subhead in Mountain Journal. The thing is, that study reaches no such conclusion. But you have to read beyond the abstract to understand that. Mountain Journal is not alone. Let’s look at a brief list of takeaways published elsewhere just to establish that none of them seem to know how to read science. Wes Siler’s Newsletter is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe Here’s CBC: “A new peer-reviewed study, The Canine Conundrum: Is a Dog a Help or Hindrance in Bear Country?, dug into conflicts similar to what the video depicts, by analyzing 326 reported human-bear conflicts from 1901 to 2023 involving dogs.” “The study found 54 per cent of conflicts were started by dogs. In the encounters researchers included in the study, five people and 56 dogs were killed, and 170 people were injured.” “Lana Ciarniello, an independent researcher who co-authored the study, said researchers found when a person goes hiking with at least one other person, the odds of a negative bear encounter decrease by 50 per cent.” “However, when a dog is involved, the chances of a negative bear encounter increase because ‘a dog really adds a chaotic factor into the mix of recreation,’ said Ciarniello.” Again, the study finds no data supporting that conclusion. “Hiking with your pet dog may make you feel safer in bear country—but a hiker’s recent encounter and a new study prove that the numbers don’t add up,” writes Backpacker, which is now part of Outside. The numbers don’t add up to support this take. There’s plenty more examples, but all are equally dumb, so I’ll stop there. How did so many people get this so wrong? Three reasons: 1) the study is published behind a paywall, with only the abstract freely available. 2) the methodology sets out to create work relevant to a hyper-specific audience, not the public. And 3) the dataset studied is almost absurdly limited and doesn’t bear (get it?!) comparison to wider information. Let’s work through all three. The Problem is Money I understand the irony, since I’m writing about this on a subscription-model newsletter, but information wants to be free. The study is published by The Wildlife Society and costs $16 to access. Reprinting it is specifically prohibited by the terms of use, so I can only share snippets and my conclusions with you here. Having worked as a journalist for 24 years, I can report with some authority that journalists are both lazy and cheap. I don’t think it’s a stretch to say that much of the material you’re seeing written about this study is drawn from the freely-available abstract (above) only, and not a deep dive into its methodology or data. And that’s a problem, because abstracts are where researchers are able to break from their numbers and editorialize their opinions about conclusions. So what’s getting reported isn’t based on numbers, it’s based on an opinion designed for a specific audience, not the general public. Hell yeah ladies, kick that bear’s ass. The Methodology is Designed to Support a Predetermined Conclusion One of the biggest issues with the science that everyone likes to cite about bear spray’s efficacy is that no one understands that study was designed for a specific audience, looking for a specific answer. And since that audience is not the public, and our safety was not the question being asked, its conclusion is rendered irrelevant to our needs. Yes, I’m talking about Efficacy of Bear Deterrent Spray in Alaska, which was created by Tom Smith and Stephen Herrero, two of the same scientists who put together this dog-bear conflict analysis. In the spray study, the purpose was to present relevant agencies with the information they needed to issue their field workers with bear spray. As such, incidents where people were unable to access the spray or similarly failed to get it deployed in time were excluded from the results, and only incidents they deemed successful were included. Could a ranger roll down their vehicle’s window and scare a bear away from a dumpster by spraying it? Turns out the answer was yes, and that was good enough for the purposes of that study. The sample size of actual bear attacks—the thing you and I would want bear spray to provide a solution to, was too small to draw conclusions from, and didn’t indicate success in that role. Is a Dog a Help or Hindrance in Bear Country? has similar limitations. “Insights provided here are intended to help wildlife managers create effective guidelines regarding the presence of domestic dogs in bear habitat,” is explained clearly by the study’s text. To conduct the study, Smith and Herrero went looking for publicly available reports of dog-bear conflicts: “All incidents included in our analysis involved at least one bear, one dog, and one person who was at immediate risk of injury (e.g., not in a protective structure such as a cabin or vehicle), injured, or killed,” explains the report’s methodology. Why is that a problem? “We recognize that data used in this study are biased in that people generally only report adverse interactions with bears, not benign ones. Consequently, we assume that for the most part, people and their dogs pass through bear country without incident.” As was the problem with the bear spray study, people are drawing conclusions here from a study that was never intended to be relevant to the general public. The Smith-Herrero database famously excludes Alaska’s Defense of Life and Property records, which are elsewhere considered the largest and most authoritative source on human-bear conflict. The Dataset is Absurdly Limited A 2009 study conducted by the Washington Department of Fish & Wildlife estimates that each year there are at least 43,000 documented complaints of human-bear conflict across North America. Is a Dog a Help or Hindrance in Bear Country? Examined those reports for years ranging from 1901 to 2023, and only managed to find 326 such incidents that met the criteria explained above. Let’s do some quick math, poorly. 43,000 incidents x 122 years = 5,246,000 total incidents of documented human-bear conflict. Smith and Herrero were only able to find 326 incidents that met their criteria for dog+human+bear+risk or occurrence of injury. That means there’s a 0.006 percent chance that the study’s conclusion—that dogs make bear encounters more dangerous—even gets a chance of occurring. And remember, that’s only in documented conflicts. There’s no way to know how many people across North America run into a bear in any given year without any conflict, but it’s probably safe to assume that the total number is well in excess of 43,000. And, dig deeper into the study and you can find further restrictions that skew its conclusions even more. “While the people involved in these incidents did not report the level of training their dogs had received, it is our assumption that most were untrained companion dogs as opposed to well-trained bear dogs, such as Karelians and livestock guardian breeds that have proven to be significant aids in bear country,” the study’s methodology explains. And that’s a problem, because an ongoing study here in Montana is finding that the simple presence of a Kangal like our youngest dog Teddy can reduce visits to private property from grizzly bears by 87.8 percent. In addition to being a badass, Teddy is also a companion animal. And in my admittedly limited sample size of the three dogs currently present in our living room, she’s no more effective than her mutt brothers. Plenty of people own a dog capable of deterring bears, even if they didn’t set out to own a bear dog. The real purpose of this study appears to be a recommendation that leashes are mandated and recreationists pursue training in their deterrent of choice. But that doesn’t make for sensational headlines. Are There Any Real Takeaways Here? Let’s throw some numbers around, just to try and get our hands around what the larger picture might look like for bears and dogs here. The American Veterinary Medical Association estimates that 42.6 percent of American households own a dog. The Canadian Animal Health Institute says roughly 35 percent of households in Canuckistan own a dog. In an attempt to create the worst possible result for dogs, let’s run with that 35 percent number. And given that outdoorsy and rural people are more likely to both own a dog, and have bear encounters, let’s just make a giant assumption and apply that number to those 43,000 conflicts documented annually. If 35 percent of 43,000 human-bear encounters involve a dog, then we can assume that at least 15,050 dog-bear conflicts are occurring annually in North America. 15,050 x 122 = 1,836,100. Smith and Herrero were only able to find 326 incidents that met their human, dog, chance or occurrence of injury criteria across 122 years. And only 170 documented human injuries. So, with all the obvious caveats about these numbers in no way describing reality beyond narrow study parameters, what they actually found is that your risk of injury if your dog tangles with a bear is only 0.009 percent. I’ll take those odds next time I’m hiking my dogs in bear country. Top photo: “Superintendent Horace Albright, eating pancakes with bears, at Lake Lodge, Yellowstone National Park.” NPS. A journalist with more than two decades of experience working around the world, Wes Siler is here to cut through the outrage and disinformation to bring you the factual, insightful, actionable reporting you need to understand what’s going on. Upgrading to a paid subscription supports this reporting, and buys personal access to Wes, who will help you save money on gear, plan outdoor adventures, and prepare for real life, and who promises he’s less salty in real life than he sometimes comes across as on the Internet. Wes Siler’s Newsletter is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe
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