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Apple iPhone 18 Pro Launch Timeline: New Date Reportedly Set For Pre-orders
Apple is expected to unveil the iPhone 18 Pro series on September 9, with pre-orders reportedly opening later than usual on September 12 and sales beginning on September 18.
As the legal hunt for the GTA 6 leaker continues, Take-Two reportedly tries another more secretive Discord subpoena, this time specifying individuals
Take-Two appears to have learned new information about the people responsible for leaking GTA 6 footage, and the company is changing tactics to find them.
New OnePlus 16 leak once again points to major camera upgrade
Digital Chat Station, a reliable Weibo leaker, has once again reported on the camera setup of the OnePlus 16. In the latest leak, the tipster once again hints that the upcoming flagship phone will see a major upgrade over its predecessor.
Reports: U.S. striker Folarin Balogun is headed on transfer to Premier League club Everton
United States striker Folarin Balogun is set to head to Premier League team Everton on a transfer from Monaco, British media reported on Monday. The transfer fee offered by Everton is reported to be in the range of 40 million pounds ($54 million) on a four-year deal, the British Press Association said. It said personal terms had yet to be worked out before the deal could be completed prior to Tuesday's transfer deadline.
‘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
Lionel Richie hospitalized after concert in St. Louis
As first reported in TMZ, the singer and soul legend checked into a local hospital after a performance in St. Louis on Saturday.
Lionel Richie hospitalized after Missouri tour stop: Report
Two months after postponing concerts due to health issues he experienced on stage, Lionel Richie has reportedly been hospitalized following a show.
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.
Microsoft acknowledges widespread Exchange Online problems
Initially reported as an Outlook problem, Microsoft says its Exchange Online service has been disrupted.
Former Patriots draft pick claimed on waivers by rival Dolphins
The Dolphins have reportedly claimed former Patriots defensive back Marcellas Dial on waivers.
Measles flagged at NC hotel and gas station, health department says
More than 20 cases of measles were recorded in the state in 2025 and 2026, but none have been reported since February.
Microsoft Outlook outage reported by thousands of users
Is Microsoft Outlook down? Here's what we know about the possible outage.
Off-duty firefighter helps stop Elkhart County business fire
No injuries were reported after a vehicle fire spread inside a building.
Measles deaths reported in Pennsylvania spark feud among politicians and health officials
Medical experts say the brouhaha has diverted focus from an exploding public health threat.
Measles deaths reported in Pennsylvania spark feud among politicians and health officials
Medical experts say the brouhaha has diverted focus from an exploding public health threat.
12 actors, TV personalities and industry veterans we said goodbye to in August
Hayden Panettiere is among the actors, reality stars and Hollywood figures whose deaths were reported in recent weeks.
Science Applications International Q2 Earnings Call Highlights
Science Applications International (NASDAQ:SAIC) reported second-quarter fiscal 2027 revenue of $1.9 billion, up approximately 5% organically, as the company cited broad-based growth across its markets and stronger conversion of existing contract backlog into revenue. Adjusted EBITDA totaled $193 m
Lincoln police arrest USPS employee over missing sports card package
A U.S. Postal Service employee was arrested after a package with contents valued at nearly $46,000, including six high-value sports cards, was reportedly stolen from a Lincoln post office on Saturday.
Detroit Lions Make First Reported Practice Squad Addition
The Detroit Lions reportedly have their first 2026 practice-squad addition, with tight end Thomas Gordon expected to return after being waived Sunday.
Xbox’s ‘Fable’ Is Reportedly As Long As ‘Avowed’
Fable's length has been revealed ahead of its Xbox release, and it's shorter compared to most modern RPGs outside of shorter ones like "Avowed."
Why do some proteins accumulate even on protein-resistant surfaces?
Proteins with exposed arginine can selectively accumulate even on protein-resistant coatings, as reported by researchers from Science Tokyo. Through an in-depth analysis of which and how proteins adhere to various anti-fouling surfaces, the team found arginine disrupts the protective water layer that normally blocks adsorption. Their results will help scientists develop safer and more effective biocompatible materials for medical devices, such as stents and advanced biosensors.
HSV set for big win in Arsenal transfer talks
Hamburger SV are in talks to buy Fabio Vieira from Arsenal for around €10m, though a deal still hasn’t been fully agreed at this stage.Photo by Alex Pantling/Getty ImagesSami Mokbel reported for t...
Apple Watch will reportedly get a big redesign, but not this year
The changes on this year's Watch devices will reportedly be minor and cosmetic.
Apple Reportedly Considered Going Full Palm Pilot With Its Foldable iPhone
Steve Jobs did not want the iPhone to be controlled with a stylus.
Star Entertainment warns tough conditions to persist after annual loss
By Nichiket Sunil and Keshav SinghChundawat Aug 31 (Reuters) - Australian casino operator Star Entertainment reported a bigger-than-expected annual loss on Monday and warned that conditions would stay
Your initial 2026 New York Jets roster
The Jets have revealed their initial 53 man roster for the 2026 season, sort of. The initial 2026 roster released by the team only has 52 players. The list does not include offensive lineman Jordan Meredith who was reportedly acquired in a trade with the Las Vegas Raiders on Sunday. If we are going to […]
Star Entertainment warns tough conditions to persist after annual loss
Australian casino operator Star Entertainment reported a bigger-than-expected annual loss on Monday and warned that conditions would stay tough as weak New South Wales table gaming revenue and a pending regulatory penalty weighed on its outlook.
Patriots agree to trade with Vikings for veteran offensive lineman
The New England Patriots reportedly agreed to a trade with the Minnesota Vikings for offensive tackle Walter Rouse.
Patriots cut former undrafted standout ahead of roster deadline
The Patriots have reportedly cut running back Lan Larison with hopes of stashing him on the practice squad.
Cowboys Waive 129-Yard 2025 Draft Pick After Breakout Preseason
With the Dallas Cowboys closing in on finalizing their 53-man roster, there are more big names being let go from the team.Several interesting players are on the list of cuts. While most of the names are not surprising to many, one name has emerged that will have Cowboys fans’ attention.ESPN NFL insider Adam Schefter reported […] The post Cowboys Waive 129-Yard 2025 Draft Pick After Breakout Preseason appeared first on HEAVY.
NVIDIA Shuts Down RTX 5000 Power Limit Control OC in Latest Driver Update
We recently reported on the open-source overclocking tool, mVolt+, unlocking power limit control on NVIDIA GeForce RTX 5000-series GPUs, allowing certain GPUs, like the RTX 5090, to draw up to 125 W of additional power and enabling significantly higher core clock speeds as a result. With the...
Odell Beckham Jr. reportedly makes Giants' 53-man roster
Odell Beckham Jr. is back where he started.
HEALTH ALERT: Measles exposure reported in Buncombe County, NCDHHS officials say
Officials were informed of a measles case in a resident of another state who traveled through Asheville while infectious.
Potential measles exposure reported at Asheville hotel, NCDHHS says
There was a measles case from an out-of-state person who traveled through Asheville in August, the North Carolina Department of Health and Human Services said.
Officials: Measles case reported in Asheville hotel
North Carolina state health officials report a case of measles in Buncombe County with potential exposure at a hotel in Asheville.
Patriots placing top backup swing tackle on injured reserve
The Patriots are reportedly placing improved second-year offensive tackle Marcus Bryant on injured reserve.
North Carolina: Rabid baby goats at a mobile petting zoo prompts health warning
On Friday, the North Carolina Department of Health and Human Services reported confirmed multiple rabies cases in baby goats at a mobile petting zoo located in Iredell County. They were first notified of a potential rabies exposure among four baby goats at Farm Adventures in Harmony, North Carolina on August 27. The goats were most likely exposed to rabies by a skunk that had entered the pen where they were kept in late July. The NC State Laboratory of Public Health confirmed rabies viruses in three of the baby goats on August 28; a fourth goat was not tested but is also assumed to have been infected. Based on information gathered on August 28, it was determined that no other animals on the farm pose a risk of rabies exposure to people. Learn about rabies Anyone who had contact with baby goats from the Farm Adventures mobile petting zoo either at their location in Harmony, North Carolina, or at an off-site event, between July 28 and Aug. 27, 2026, may have been exposed while the animals were infectious. Impacted individuals should contact their local health department to determine whether medications are needed to prevent infection. Individuals are encouraged to call before visiting an emergency department or urgent care clinic to determine if treatment is needed and where it can be accessed. Known potential exposure dates and locations include: July 28: Jurney’s Assisted Living, 1942 Van Haven Drive, Statesville in Iredell County July 30: Private event in Mecklenburg County Aug. 1: Community Connections Back-to-School Bash, Breeden Amphitheater, 333 S. Main St., Lexington in Davidson County Aug. 6: Brookdale Peachtree, 2806 Peachtree Road, Statesville in Iredell County Aug. 8: Private event in Watauga County Aug. 9: Private event in Burke County Aug. 15: Masonic Picnic Grounds, 201 Poplar St., Mocksville in Davie County Aug. 16: Private event in Durham County Aug. 22: Private event in Iredell County Aug. 23: Private event in Durham County Rabies is a deadly disease that can spread from wild animals to pets and people, primarily through a bite, scratch or when infected saliva touches broken skin or mucous membranes. Human rabies infections are extremely rare in the United States. No human cases have been reported in North Carolina since 2011. Rabies is almost always fatal in mammals, including people, unless medications to prevent infections are given before symptoms develop. Symptoms can begin weeks to months after someone is exposed. Early symptoms are flu-like illness including weakness, fever or headache as well as a prickling or itching sensation where someone was bitten or exposed. In 2025, over 4,000 animals were submitted to the NC State Laboratory of Public Health for rabies testing, and of these, approximately 6% tested positive. In North Carolina the disease most often occurs in wild animals especially skunks, raccoons, bats and foxes. Outbreak News Today is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe
Browns’ reported Dillon Gabriel move leaves Taylen Green’s future uncertain
Jeremy Fowler reports Dillon Gabriel will make the Browns’ initial roster.
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...
Trump calls for NBC’s Kristen Welker to face ‘rebuke or punishment’ from the FCC
Treating the Federal Communications Commission like his own personal enforcer, President Donald Trump said on social media Sunday that NBC’s Kristen Welker would be “reported to the FCC for rebuke or punishment” over a TV segment he didn’t like.
Dolphins waive final backup QB, making their situation very clear
The Dolphins traded Quinn Ewers and reportedly waived Cam Miller, leaving just two quarterbacks on the roster. However, they're now waiving another.
Apple reportedly considered launching a new Apple Pencil for iPhone Ultra
Apple’s first foldable iPhone should be making its debut in just over a week. In the development process, Apple was...
Recruiter places ‘phoenix’ firm into liquidation just months after repurchase erased millions in debt
New company reportedly quickly fell behind with promised repayments to administrator
Trump says 'Meet the Press' host Kristen Welker will be reported to FCC
President Donald Trump sharply criticized Kristen Welker, the moderator of NBC's "Meet the Press," after abruptly exiting an interview with her earlier this year.
Players Think This Is The Biggest Leak In The History Of Steam
The alleged Steam depot data reportedly spans from 2003 to 2013, and contains pre-release builds of potentially thousands of first and third-party games
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.
Rising energy, fuel costs cut into bottom line for Pa. businesses
According to an August poll, 57% of residents reported it was very or somewhat difficult to afford monthly utility costs.
RB Leipzig set to sign Morocco international from Roma
RB Leipzig have agreed a deal to sign Neil El Aynaoui on loan from AS Roma, according to Sky Germany.The two clubs reportedly reached a verbal agreement on Saturday night, with Leipzig set to pay €4...
12TB Steam leak exposes old game builds from 2003 to 2013
A roughly 12TB archive from Steam's old Steam2 infrastructure reportedly contains thousands of game depots dating from 2003 to 2013. Portal 2, Left 4 Dead and early CS:GO builds are included.
Patriots Cut Former Chargers RB Ahead of NFL Roster Deadline
The New England Patriots gave Hassan Haskins a reunion with Mike Vrabel earlier in August. It lasted just 17 days.New England released the veteran running back Saturday as it continued trimming its roster ahead of the NFL’s 53-man deadline. ESPN’s Mike Reiss reported the move on Aug. 29, hours after the Patriots added another option […] The post Patriots Cut Former Chargers RB Ahead of NFL Roster Deadline appeared first on HEAVY.
Rumor: Sony Reportedly Reconsidering Delaying Digital-Only Plans Due to Xbox Pushing for "100% Physical" Strategy for Xbox
Sony is reportedly thinking of delaying its digital-only plans, as Microsoft is said to be pushing for 100% physical regarding Project Helix.
Eagles reportedly waive 2025 draft pick
The Philadelphia Eagles waived 2025 sixth-round pick Myles Hinton on Saturday, according to a report from NFL insider Adam Schefter. Hinton’s departure doesn’t come as a surprise; he really struggled this summer. The Eagles originally experimented with moving the 24-year-old to guard earlier this offseason before putting him back at offensive tackle, where he didn’t […]
Patriots pull off trade before 53-man roster cut deadline
The Patriots added to their running back room on Saturday by reportedly acquiring Corey Kiner in a trade.
Is Oscar Health (OSCR) Fully Priced Following Raised 2026 Guidance?
Oscar Health (OSCR) recently reported record first half 2026 results and raised its full year guidance, a combination that appears to have supported renewed investor attention on the stock this month. At a share price of US$30.47, Oscar Health has seen some short term volatility, with a 7 day share price return down 4.9%. However, the 90 day share price return of 37.07% and 3 year total shareholder return of 363.07% suggest momentum has been strong over a longer stretch as investors react to...
Health alerts issued as cases of painful illness typically found in tropical countries spreads across Florida
A mosquito-borne virus commonly reported in tropical countries has been reported in Florida, with county health departments issuing alerts for local transmission.
Report: New York Giants considering release of WR Darius Slayton
The New York Giants are reportedly mulling over the idea of releasing WR Darius Slayton, the team's longest-tenured player.
Iconic singer and TV personality dies at 94: ‘Absolutely unforgettable’
A cause of death has not been reported.
Jonathan Kuminga’s Agent Defends Reason For Taking Shorter and Cheaper Deal With Timberwolves
On Wednesday, ESPN’s Shams Charania reported that Jonathan Kuminga had agreed to join the Minnesota Timberwolves on a two-year, $12. 4 million deal.
Measles deaths reported in Pennsylvania spark fight among politicians and health officials
NEW YORK — The recent announcement of Pennsylvania’s first measles-related deaths in decades has ignited a public feud among politicians and health officials who disagree over the role of the contagious disease in the fatalities.
Measles deaths reported in Pennsylvania spark fight among politicians and health officials
The recent announcement of Pennsylvania’s first measles-related deaths in decades has ignited a public feud among politicians and health officials who disagree over the role of the contagious disease in the fatalities
Measles deaths reported in Pennsylvania spark fight among politicians and health officials
NEW YORK (AP) — The recent announcement of Pennsylvania’s first measles-related deaths in decades has ignited a public feud among politicians and health officials who disagree over the role of the contagious disease in the fatalities.
Milo Yiannopoulos, a far-right political commentator, reportedly detained by ICE
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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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