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Marsh survey examines how health systems are managing capital, investment strategies
Health systems’ finances improved in 2026, but many organizations remain under enough pressure to keep tapping reserves, taking on debt, and turning to investment portfolios for financial flexibili | Forty-three percent of respondents report expecting to draw on reserves in 2026, up from 37% the year prior.
Rochester City Council responds to business feedback amid construction
Last Monday, the Rochester City Council approved additional funding for its Business Forward program to support businesses impacted by downtown construction. The city also responded to feedback from some businesses which had stated the money would be more beneficial as a cash infusion.
Robert E. Hall wins Nobel Memorial Prize in Economic Sciences
The professor of economics and senior fellow at the Hoover Institution, emeritus, developed models that help governments and central banks respond to economic volatility.
Republicans want Abdul El-Sayed to be the main character of the midterms. He's happy to oblige
Michigan’s Senate race has become a battle over Democratic nominee Abdul El-Sayed. Republicans portray him as a dangerous radical; El-Sayed responds by traveling across Michigan and meeting voters.
Politics Unplugged (Full Episode) Oct. 11, 2026
On "Politics Unplugged," political editor Dennis Welch sits down with Republican gubernatorial candidate Andy Biggs for a wide-ranging interview weeks before election day. The conversation is dominated by Governor Katie Hobbs' multi-million-dollar ad campaign accusing Biggs of protecting Warren Jeffs' FLDS cult while he was Arizona Senate President. Biggs forcefully denies the allegations, defending his legislative record and accusing the interviewer of carrying Hobbs' water. He escalates further, claiming Hobbs' rhetoric has led to death threats and that she would be "thrilled" if he were physically harmed. The interview also covers his vote against honoring Capitol Police on January 6th, his call to Rusty Bowers about decertifying the 2020 election, and whether he'd certify results as governor in 2028. Hobbs' office responds with a statement denying the claims. The show closes with a teaser for a Hobbs interview the following week.
Durham psychiatrist returns from Ebola response mission in Congo
A Durham psychiatrist is sharing his experience responding to an Ebola outbreak in the Congo and encouraging others to volunteer.
Fatal Motorcycle Collision Followed by Separate Vehicle Crash Into Local Business
Emergency responders were dispatched to two serious motor vehicle crashes Sunday afternoon, October 11, including a fatal motorcycle collision and a subsequent crash involving a vehicle striking a…
Fatal Motorcycle Collision Followed by Separate Vehicle Crash Into Local Business
Emergency responders were dispatched to two serious motor vehicle crashes Sunday afternoon, October 11, including a fatal motorcycle collision and a subsequent crash involving a vehicle striking a…
Kelly Clarkson Slams Brooklyn Store, Business Defends Itself
Art of Play, a novelty store in Brooklyn. N.Y., is responding to Kelly Clarkson's claims.
Kelly Clarkson claims she had a ‘Pretty Woman’ shopping moment, store responds
Kelly Clarkson claimed a sales associate looked at her ‘as if I couldn’t afford’ anything in the store, making her feel like Julia Roberts in ‘Pretty Woman.’ The next day, the store responded.
The Times’s New Space Editor Has Her Eye on the Cosmos
On the Science desk, Victoria Jaggard spends her days pondering the universe’s most pressing mysteries.
U.S. Department of Health and Human Services (HHS) Recommends Science-Based Thresholds to Target Dangerous Enhanced Kratom Products
Kratom products credit: CDPH DEA takes action based on updated recommendation from HHS October 11, 2026 - WASHINGTON - On Friday, the U.S. Department of Health and Human Services relesed the following: The U.S. Department of Health and Human Services (HHS) provided a new recommendation to the Drug Enforcement Administration (DEA) that establishes science-based thresholds for 7-hydroxymitragynine (7-OH) and mitragynine pseudoindoxyl (MGPI), potent opioid compounds associated with products marketed as kratom. The Department of Justice today announced that DEA issued new Notices of Intent reflecting HHS’ updated scientific analysis and recommendations, including a new Notice of Intent for 7-OH and MGPI incorporating HHS’ recommended concentration and ratio thresholds. Following a review of available scientific data and comments, HHS Assistant Secretary for Health Admiral Brian Christine, M.D., recommended that DEA use concentration or ratio-based thresholds to determine which products containing 7-OH and MGPI are subject to Schedule I control for purposes of temporary scheduling of these substances under the Controlled Substances Act. The recommendation is designed to target concentrated or chemically altered products while distinguishing them from natural botanical kratom products, which may contain trace amounts of 7-OH and MGPI. “We are drawing a clear line between natural kratom and dangerous, enhanced opioid products,” said HHS Secretary Robert F. Kennedy, Jr. “We listened to the public, followed the science, and developed a clear recommended threshold for temporary scheduling that targets concentrated 7-OH and MGPI without sweeping natural botanical kratom into Schedule I. The Trump Administration will continue taking decisive action against dangerous products that fuel addiction while making sure our policies are grounded in rigorous science.” Under the recommendation, 7-OH and MGPI would be controlled in Schedule I for purposes of temporary scheduling when either substance alone, or their combined amount when both are present: Exceeds 1 milligram per gram in solid powders, encapsulated material, or other solid forms, or exceeds 1 milligram per milliliter in liquid preparations; or When the mass of mitragynine present divided by the mass of 7-OH, or MGPI, or the combined amount of 7-OH and MGPI if both present, is less than 100. The ratio-based approach reflects the alkaloid composition of natural kratom products and provides a way to identify products intentionally enhanced or concentrated with 7-OH or MGPI. Available scientific data indicate that 7-OH occurs naturally in botanical kratom at relatively low or trace levels, while some evidence reviewed by FDA suggests MGPI may also occur at trace levels in some natural or kratom-derived products. FDA's scientific review found that 7-OH is substantially more potent than morphine in preclinical studies, with available data indicating approximately two to nine times greater potency depending on the study. FDA also identified evidence supporting a meaningful risk of opioid-like physical dependence and withdrawal from MGPI. “Our recommendation gives DEA a scientifically supportable framework to distinguish natural botanical kratom from products that have been concentrated or manipulated to deliver dangerous levels of potent opioid compounds,” said Assistant Secretary for Health Admiral Brian Christine, M.D. “This approach allows us to focus on the products that pose the greatest threat to public health.” In July 2025, following an FDA scientific and medical evaluation, HHS recommended that 7-OH above a specified threshold be placed in Schedule I of the Controlled Substances Act. In July 2026, DEA announced its intent to temporarily schedule 7-OH above a specified threshold, and HHS simultaneously sought public comment on the proposed threshold. DEA subsequently temporarily placed MGPI and two synthetic 7-OH derivatives, MGM-15 and MGM-16, in Schedule I. Since then, questions have emerged about how scheduling could affect natural botanical kratom products potentially containing trace amounts of MGPI. The new HHS recommendation responds to those concerns by providing DEA with a more precise threshold based on both the concentration of 7-OH and MGPI and their relationship to mitragynine, the predominant alkaloid in kratom. HHS and FDA will continue working with DEA to protect Americans from dangerous concentrated and synthetic opioid products while ensuring federal policy is grounded in the best available science. Source: HHS
Hope Network awarded federal grant to expand mental health resources
The Hope Network has received a $600,000 federal grant to expand mental health awareness and suicide prevention training across Michigan, helping an additional 5,000 people over the next three years learn how to recognize and respond to…
Alabama’s Kalen DeBoer Makes Concerning Admission After Georgia Loss
Alabama football head coach Kalen DeBoer has plenty of reasons to believe in his Crimson Tide, but Saturday’s loss to Georgia has introduced a question that nobody inside the program can confidently answer just yet. How will Alabama respond when things aren’t going its way?For much of the season, DeBoer has been able to evaluate […] The post Alabama’s Kalen DeBoer Makes Concerning Admission After Georgia Loss appeared first on HEAVY.
Novena, resources respond to 'urgent pastoral challenge' of mental health
The U.S. Conference of Catholic Bishops announced the 2026 start of its annual Novena for Mental Health, which takes place Oct. 10-18.
One Month at a Time: Planning for and pondering the inevitable end
Columnist Bill Lynch reluctantly turns his sights to the future -- more specifically, his own inevitable, mortal end.
“DWTS” judge Carrie Ann Inaba responds to claim she shows favoritism among contestants
Inaba has been a judge on the reality competition since 2005.
Houston police responded to a man in a mental health crisis. ICE arrested him
Houston Public Media obtained records showing interactions between HPD and ICE during a mental health crisis, suicide attempt and domestic disturbances.
Democratic Senate candidate responds to anti-trans attacks pushed by Republicans
Dr Annie Andrews voices opposition to ‘biological men ... in women’s sports’ in response to Republican attacks
Business Beat: Coldwater Ponderosa ownership celebrate 7 year anniversary
COLDWATER, MI (WTVB) - The Coldwater Ponderosa Steakhouse is celebrating seven years of successful operation u...
River respond! Production firm blames CARP for Messi farewell errors
The problems at Messi's farewell to the Argentina national team remain at the center of controversy, as production company Marketing Sports issued a statement this Thursday blaming River for all the i...
Zuckerberg's image is in trouble - but Meta's business is booming
A new film paints the Meta founder as a villain. But the tech firm seems immune to bad publicity, writes our North America tech correspondent.
Trump wants Talarico and Paxton to debate. Talarico couldn't be happier
No debate has been scheduled so far. Paxton has not publicly responded to Trump's debate demand.
FCC considers allowing more political robocalls
The Federal Communications Commission is considering a petition that would allow certain political groups to make robocalls without first obtaining the recipient’s consent. NBC10 Responds Reporter Valeria Aponte Feliciano has more.
The Fandom Effect: Sports Urbanism 2026
Uncover how respondents rate their experiences and how stadiums can tailor programming to attract more visitors year round.
Poll: Business Journal readers overwhelmingly oppose Fresno County library privatization - The Business Journal Fresno County library privatization opposed in reader poll
Nearly 78% of Business Journal poll respondents oppose Fresno County library privatization as supervisors remove the proposal from 2026 agendas.
Guardant Health to Report Third Quarter 2026 Financial Results on November 5, 2026
PALO ALTO, Calif., October 08, 2026--Guardant Health, Inc. (Nasdaq: GH), a leading precision oncology company, today announced it will report financial results for the third quarter 2026 after market close on Thursday, November 5, 2026. Company management will webcast a corresponding conference call beginning at 1:30 p.m. Pacific Time / 4:30 p.m. Eastern Time.
Chuck Lorre responds to White House telling him to ‘seek psychiatric help’ on season 3 premiere of ‘Georgie & Mandy’
A White House spokesperson told Chuck Lorre to ‘seek psychiatric help’ after the ‘Big Bang Theory’ creator criticized President Trump in a speech — and now, the producer is responding in a new ep of ‘Georgie & Mandy’s First Marriage.’
HHS Launches Agency-Wide Actions to Strengthen Vaccine Injury Research, Reporting, and Patient Care
HHS launched a series of actions to strengthen how the federal government identifies, documents, investigates, and responds to health problems.
Alaska Science Forum time capsule: The secret life of a red fox family
Note: At the start of every walk, my dogs try to sneak away to “fox town,” a fox den on the other side of the pond near my cabin, and we often see the adult foxes trotting through the neighborhood. Hearing one of them bark the other evening, I was reminded of this March 26, 2020, story by Ned Rozell. He recently reported that foxes still use the den, but did not occupy it in summer 2026. — Sara Wilbur
Concern after Europeans endorse US science agenda
Germany’s biggest research funder has said it is “concerned” after Berlin, plus several other European countries, endorsed a controversial US-led science policy statement. On October 4, the White House announced that 16 countries, including Germany, the UK, Italy, Greece, Bulgaria, Cyprus, Poland, Japan and South Korea had backed the Kyoto Vision for a Golden Age of Science.The document, agreed on the margins of the annual Science and Technology in Society forum in Kyoto, which gathers science ministers from across the world, appears uncontroversial at first sight. It’s a one-page statement, without any concrete measures, that touches on reducing administrative burden on scientists, experimenting with new funding models and the use of “super intelligence” in science, the Trump administration’s preferred term for artificial intelligence. However, what’s controversial is that much of the language in the Kyoto Vision reflects Science: A New Golden Age, a major policy document released by the White House in July.That document attracted criticism for deriding universities as “legacy institutions” and suggesting money be diverted to new research labs. In a speech in Kyoto on October 4, Michael Kratsios, director of the White House Office for Science and Technology Policy and the report’s author, said that the US was seeking to “diversify the ways that we support research to meet our best scientists where and when they do their best work.” The worry is that the Trump administration may be using genuine dysfunctions in academia as a pretext to defund and disempower universities, which US vice president JD Vance has labelled “the enemy.” Many in Europe also want more experimentation and reform of how science is organised and funded, and agree with criticisms of academia made by Science: A New Golden Age. But some also fear that if the US pushes for reform partially in bad faith, it could politicise and undermine the whole agenda. Washington is currently trying to change federal funding rules so that political appointees can block and cancel scientific grants. It has cut grants mid-project on topics related to diversity and other politically forbidden areas. And last year, it threatened to cut Harvard University’s federal funding unless it admitted a “critical mass” of new faculty and students to create campus “viewpoint diversity.” “Particularly concerned”Because of this wider US political context, the Kyoto Vision’s otherwise innocuous sounding statement that “we encourage experimentation with new institutional models for science that provide varying levels of autonomy, resources and direction” has caused consternation in Europe, particularly from some of Germany’s biggest science organisations. A spokesperson for the German Research Foundation (DFG), the country’s biggest funder, said that it would “closely monitor whether the current US administration uses the Kyoto Vision to restructure research funding to the detriment of research institutions such as universities and their autonomy.” The DFG was “particularly concerned” with the statement’s references to Science: A New Golden Age, they continued. A spokesperson for the German Rectors’ Conference, which represents the country’s universities, said that the reference to “new institutional models” raises “questions on the underlying understanding of academic freedom and autonomy.” Research funding must “guided first and foremost by scientific not political principles,” they went on. Dampen criticismEuropean endorsement of the Kyoto Vision might dampen domestic criticism of the Trump administration’s science policy, some in the US fear, by suggesting international support. “What we saw from Germany, Japan, the UK and other countries, is an impulse that the administration has exploited with our own science reform movement, a belief they can use dialogue to make things better,” said Cole Donovan, director of science policy at the campaigning group Stand Up for Science. “In practice, the administration has done the opposite.” Not a binding statementThere’s been so much concern in Germany that the country’s federal Ministry of Research, Technology and Space put out a statement defending its endorsement of the Kyoto Vision, which it has posted on its website. Related articlesIs metascience being co-opted?European researchers sound the alarm that Trump rule changes will hit cooperationThe US ‘golden age’ science strategy: what Europeans need to know The ministry said that it “should be regarded as a basis for discussion and does not constitute a binding statement.” Backing the statement gives Germany the chance to raise “issues and concerns” with the US during upcoming talks on science and technology scheduled for November. “Although these intentions appear, in principle, to be worthy of support, they will be scrutinised and examined more closely as the process continues,” the statement continues. Super intelligence?A ministry spokesperson confirmed to Science|Business that Germany had broadly endorsed the Kyoto Vision.However, they said Berlin had not agreed to final changes in the statement to refer to AI as super intelligence. In September, facing protests against data centres and polling that suggests US citizens are far more concerned than excited by the technology, Trump issued an executive order that attempts to rebrand AI as super intelligence, following polling on social media.The name change is to “reflect the transformative capabilities of these technologies and the limitless opportunities they create for the American people,” the order says. EU askedThe UK and Italian science ministries did not respond to a request for comment on their endorsement of the Kyoto Vision. Although most EU countries did not endorse the statement, it’s not clear which states the US asked. The White House Office for Science and Technology Policy did not return a request for comment. A European Commission official, speaking under condition of anonymity, said that the US had approached the EU, but too late for the EU to quiz all its member states on whether Brussels should endorse the statement.
New collar sensor could reveal how wildfire smoke affects animal health
When wildfire smoke fills the air, most people can go inside to avoid it. Wildlife does not have that option, and little is known about how animals living in remote areas respond to wildfires and smoke ...
Fire destroys Clymer barn, business
CLYMER – Fire destroyed a tarp business and barn on Ravlin Hill Road in Clymer on Tuesday – though the family’s home was saved. Firefighters from six area volunteer fire departments responded to the fire around 5 a.m. after Clymer firefighters called for mutual aid. Surrounding departments, starting with the Stanley Hose Company from Sherman, […]
Mental Health Facility for First Responders
Jordan Love backs plan for mental health facility for first responders
Colonie Police raise concerns over mental health crisis response and aftercare
The Colonie Police Department responded to a domestic incident on Tattersall Lane Wednesday morning. It all happened after a woman called police claiming that her partner was committing acts of sel…
Mayor Woodfin responds after wife's business subpoenaed in Birmingham data center lawsuit
Birmingham Mayor Randall Woodfin is pushing back after his wife and her real-estate company were named in a discovery dispute tied to a lawsuit over a proposed
Kennedy offers federal support to New York over measles outbreak
New York Governor Kathy Hochul spoke with U.S. Health Secretary Robert F. Kennedy Jr. on Tuesday, and he offered federal support as the state responds to a measles outbreak, the Department of Health and Human Services said on Wednesday.
Kennedy offers federal support to New York over measles outbreak
Oct 7 () - New York Governor Kathy Hochul spoke with U. on Tuesday, and he offered federal support as the state responds to a measles outbreak, the Department of Health and Human Services said on W...
Columbia Fire Department responds to fire near Business Loop 70
The Columbia Fire Department responded to a fire Wednesday afternoon at the strip mall on Business Loop 70 West.
Ex-‘Football Night in America’ Host Tony Dungy Opens Up About NBC Exit, Whether Faith Played a Role
When NBC parted ways with Tony Dungy in February 2026, the Pro Football Hall of Famer and two-time Super Bowl winner responded graciously in a statement, thanking his “NBC family for making the last 17 years so special.” Eight months later, the 71-year-old is opening up about how he processed being fired from the network’s […]
Trump rebukes political advisers for taking other work during midterms
The president, who generally resists admitting fault, has recently made several reversals responding to ethical concerns.
Gears of War: E-Day Studio Boss Insists 'The Next Game Will Not Take Nearly as Long' to Make, Responds to Layoff Concern
The boss of Gears of War: E-Day developer The Coalition has responded to reports that staff at the studio are worried they will lose their jobs amid the ongoing cuts at Xbox, and promised the next Gears game won’t take as long to make.
Ebola creates new hot spots in Congo as responders describe ‘chaotic’ response
The Ebola outbreak in Congo is spreading rapidly to new hot spots where patients have little or no support.
Kyle Kuzma responds to Bucks fans after brutal preseason debut
The Milwaukee Bucks’ first preseason outing did not provide many positives on the offensive end, with the team struggling to convert their chances throughout the 116-97 defeat against the Minnesota Timberwolves. Kyle Kuzma had an especially difficult showing, managing only one point after going 0-for-6 from the floor. The frustration surrounding Kuzma has continued to [...]
New X-ray Technique Helps Scientists Watch Quantum Materials Respond to Laser Pulses
Argonne researchers developed an X-ray imaging technique to track silicon carbide’s response to ultrafast laser pulses.
As concerns over health costs mount, Trump tries cash
With the midterm elections a month away and Republicans struggling to respond to voter frustration over healthcare costs, President Trump is handing out cash. Last week, Trump pledged $90 to more t…
Republicans push for a gas tax holiday in Virginia. Here are the politics and policies at play.
Many states are responding to high gas prices by waiving gas taxes for a time. Virginia is unlikely to join them. In the meantime, this is a campaign issue.
What questions face Pocognoli after Scotland defeat?
Sebastien Pocognoli has much to ponder before next month's Nations League group-stage finale after a bruising home defeat by Slovenia.
‘Like a horror movie’: Broughton spa owner describes fire that left business in ‘total loss’ state
Savannah Fire responded a little after 3 a.m. last Thursday to the flames. The smell of smoke still infiltrates the building, which stretches from Levy Jewelers to Broughton Liquor.
Health experts in touch with Russia since last Friday: US official
Fox News senior foreign policy correspondent Gillian Turner reports on Secretary of State Marco Rubio pressing Russia for information about a suspected plague death and the U.S. response on ‘Special Report.’
How Russia and the world are responding to a possible case of pneumonic plague after lab worker death
The World Health Organization says a possible case of pneumonic plague in Russia presents a “very low” risk outside the country as investigators look into what caused the death of a lab employee there last week.
Forza Horizon 6's Community Is Fed Up With Playground Games, and the Studio Has Finally Responded
Forza Horizon 6 developer Playground Games has finally addressed its player community after months of constructive feedback about the game has been met with nothing but radio silence from the renowned British studio.
Bomb squad responds to Amherst College Science Center
Fire officials are also on scene working with the bomb squad
Buffalo Bills HC Responds to CJ Gardner-Johnson’s Controversial Comments
The Buffalo Bills suffered their first loss of the season, losing to the New England Patriots in Week 4 NFL action. The post Buffalo Bills HC Responds to CJ Gardner-Johnson’s Controversial Comments appeared first on HEAVY.
The Weather Channel dunks on Titans-Texans matchup
How bad do you have to be as an NFL franchise to get made fun of by The Weather Channel of all things? That’s a question that fans of the Tennessee Titans and Houston Texans are unfortunately now made to ponder. Both AFC South teams are 0-4 to start the season, but both arrive at…
Northern Virginia business leaders grow more pessimistic about the national economy, survey finds
One in five respondents is based in Alexandria. A majority said data centers are good for the region's economy.
UFPD co-responder program expands mental health response on campus
During Mental Illness Awareness Week, UFPD highlights a growing team that brings law enforcement and mental health professionals together to support the UF community.
Scientists develop new X-ray technique to watch quantum materials respond to laser pulses
Argonne scientists have developed a new X-ray imaging technique that reveals how silicon carbide responds to ultrafast laser pulses. The work provides new insight into creating quantum defects exactly where scientists want them — a longstanding goal for scalable quantum technologies.
From Promises to Pulse: Parliamentary Power for Women's, Children's and Adolescents' Health
At the 153rd Inter-Parliamentary Union Assembly, PMNCH is calling on parliamentarians to turn commitments into measurable results for women, children and adolescents through stronger laws, protected financing, effective accountability and meaningful participation. The goal is clear: institutions that listen, respond and deliver better health and rights for all.
Greg Hinz: Can the brave new world of AI be tamed?
Pritzker’s team says they’re pondering AI legislation when the General Assembly returns in November. But real solutions will require not state but federal, even international action.
Greg Hinz: Can the brave new world of AI be tamed?
Pritzker’s team says they’re pondering AI legislation when the General Assembly returns in November. But real solutions will require not state but federal, even international action.
Crowley says Black infant health is a priority; Tiffany silent
We asked David Crowley and Tom Tiffany how they would address Wisconsin’s Black infant mortality crisis if elected governor. Tiffany didn’t respond.
Current and Historical Public Opinion on Medicare-for-All and Other National Health Plan Proposals
This chart pack summarizes KFF polling data on public opinion on Medicare-for-all and other national health plan proposals. The latest update finds that two-thirds of the public supports Medicare-for-all, while support changes drastically as respondents hear arguments from proponents and critics.
Fall Preview with Entertainment Correspondent Mike Marra
Airdate: October 5th, 2026 Leoni Township Update with Administrator Mike JesterOctober 5, 2026City Treasurer Hosting Town Hall Meeting SeriesOctober 5, 2026Tecumseh Appleumpkin Festival This WeekendOctober 5, 2026Fall Preview with Entertainment Correspondent Mike MarraOctober 5, 2026Disney’s Frozen Premieres Thursday at The SaukOctober 5, 2026Alison McGlynn & Lilly Hayworth, The Annex Collective SalonOctober 5, 2026John Spink, Nite…
Gypsy Rose Blanchard addresses 'significant tension' with Ken Urker's sister
Gypsy Rose Blanchard is responding to criticism from Ken Urker's sister following the death of Urker, the father of her daughter.
Burton must respond to 'gift-wrapped' loss
Burton boss Gary Bowyer says this week will help him see "what the squad is made of" after defensive errors "gift-wrapped" Huddersfield victory.
CD Cuarte, the first opponent in the Copa del Rey
Girona FC will visit CD Cuarte, an Aragonese team from the Tercera Federación, in the match corresponding to the first round of the 2026/2027 Copa del Rey. The single-elimination match will be played...
Involuntary treatment remains sticking point in new mental health legislation
Signing of SB 989 makes it easier for first responders to initiate CARE Court petitions.
Jagex responds to use of generative AI in RuneScape trailer made by "trusted external partner"
Developer removes promotional material as it investigates situation, says it highlights "an issue with our own processes which we must address"
Yale School of Medicine On the Science of Childhood Anxiety, Say, Anxiety Disorders Are the Most Common Mental Health Challenges In Youth
Credit: Matt Bradbury October 5, 2026 - By Isabella Backman - Anxiety disorders are the most common mental health challenges in youth. Left untreated, they can disrupt the lives of both children and their families. The good news is that with intervention, most children will overcome these conditions. Across Yale School of Medicine, scientists are working to understand anxiety at every level, from common anxious behaviors to molecular biomarkers in the brain. They are using their findings to develop and disseminate new evidence-based treatments for childhood anxiety. Today, the go-to treatment for childhood anxiety disorders is cognitive behavioral therapy (CBT). This is a form of psychotherapy that teaches children skills for confronting anxious thoughts and helps them practice managing situations that cause anxiety. While it is the gold-standard treatment backed by considerable scientific evidence, up to 50% of children will not see sufficient benefit from CBT alone. Wendy Silverman, PhD, Alfred A. Messer Professor in the Child Study Center, co-directs the Anxiety and Mood Disorders Program alongside Eli Lebowitz, PhD, associate professor in the Child Study Center. One of their main interests is learning how to improve outcomes beyond CBT. “We’re developing cutting-edge, research-based knowledge that can reduce the suffering that anxiety causes children and their families,” says Silverman. Changing parent behavior YSM experts are investigating how to improve CBT outcomes for children by involving the parents. Silverman’s research has uncovered two main components of parent intervention that improve childhood anxiety: not enabling children to completely avoid the things that make them anxious and taking steps to enhance their autonomy. Parents may unintentionally reinforce their child’s anxiety by allowing them to avoid what makes them anxious. They also may unintentionally limit the children’s sense of autonomy by being overly intrusive. “One of the things that we take pride in is that we’ve focused on trying to understand what parents need to do, and to test our ideas and see if changing the parents’ behaviors is enhancing the effects of CBT,” Silverman says. “Our findings thus far suggest that they do." As much as CBT can be helpful, it can also be challenging to get one’s child to do the necessary steps for CBT to work. This is one important reason why Lebowitz created a novel intervention program for parents named Supportive Parenting for Anxious Childhood Emotions (SPACE). Existing intervention programs often teach parents to act as therapists for their child, such as training them on how to practice breathing exercises. “It makes sense, but this doesn’t work very well in practice,” says Lebowitz. “And part of the reason, I think, is that it’s not easy to get your kid to do things, especially if they’re not excited about doing it.” SPACE is unique because it focuses entirely on parent involvement and changing parental behavior—children are not involved in the sessions. For example, parents learn how to use supportive messages that convey confidence that their child can tolerate and manage distress. “It might sound like a parent saying to a child, ‘I get that this is really hard for you, but I know that you can handle it,’” Lebowitz says. The program also works with parents to identify the ways in which they are accommodating anxious behaviors. “We’ll pick one thing that parents are doing that is an accommodation and help them make a detailed plan for how they’re going to change that,” Lebowitz explains. Treating Anxiety in Children and Adolescents Much of the existing research on SPACE has focused on parents of children under age 14. Ongoing studies are now exploring its use with parents of older teens. “Both anxiety and accommodation can interfere with normative developmental shifts during the teen years, including increased autonomy and individuation from parents,” says Rebecca Etkin, PhD, associate research scientist in the Child Study Center. “In this sense, SPACE may be particularly well-suited for anxious teens and their parents. We want to see whether it is effective during this distinct developmental window.” Unfortunately, many families in need of CBT face barriers, including limited availability of services and geographic constraints. One way to improve access is digital interventions. Silverman and her team are developing an evidence-based digitized intervention program for parents that they can access directly from their computer or smart phone. “The work we’re doing will be one of the very few parent interventions that is digitized and importantly tested for effectiveness,” she says. Creating interventions for anxiety-related challenges Silverman and Lebowitz recently received a generous gift to develop and test other interventions that help parents reduce other child anxiety-related behavioral and emotional difficulties, such as restrictive eating and unexplained somatic symptoms. One of these projects in particular focuses on understanding the risks of social media and its potential benefits, including offering a sense of connection. “A lot of research has focused on the idea that social media is harmful and the less of it the better,” says Lebowitz. “But we actually see is that this is not quite right—there are negatives, but there are also positives. So, we’re trying to get a little bit more nuanced of a picture.” The team is working with teens with social anxiety and their parents over an extended period to better understand their social media habits and how their anxiety levels affect engagement with different platforms. The teens will answer questions sent to an app on their phones about mood and social media usage in an effort to capture emotional responses as they unfold. “We hope to develop interventions that can help make the best of social media while protecting against the more problematic effects,” Lebowitz says. The brain’s role in anxiety Researchers are also testing therapies to address anxiety at the neurological and molecular levels. In collaboration with Dylan Gee, PhD, professor of psychology in Yale's Faculty of Arts and Sciences, and Hilary Blumberg, MD, John and Hope Furth Professor of Psychiatric Neuroscience at Yale School of Medicine, Lebowitz and Silverman are using brain imaging to identify changes in a child’s brain before and after parents enroll in SPACE. In one study, children viewed anxiety-inducing images while undergoing magnetic resonance imaging (MRI); the researchers conducted scans with and without the children’s parents nearby. Before SPACE, children’s brains were better able to activate the regulatory circuitry needed to turn off an anxious response when their parents were nearby. But after SPACE, children could activate this circuitry even without the parent around. “As parents work on gradually reducing some of their accommodations, you can see a child get better at regulating their own fear system in the brain,” Lebowitz says. “It’s remarkable.” Research into the molecular underpinnings of anxiety can also inform new childhood anxiety treatments. In a recent study, Lebowitz, Silverman, and Flora Vaccarino, MD, Harris Professor in the Child Study Center, discovered that a protein known as fibroblast growth factor 2 (FGF2) could be protective from the toxic effects of stress. FGF2 levels in children and their parents were linked to the children’s risk of developing anxiety and depression, the study showed. The findings could help explain why some children who are exposed to early life trauma such as poverty or abuse are more prone to developing mental health disorders. And FGF2 could be a target for treatment. “This is very novel because it starts to give a clue to what is the molecular chain that connects those lived experiences to the actual psychological outcomes,” Lebowitz says. New ways to study and treat childhood anxiety Michael Crowley, PhD, associate professor in the Child Study Center, collaborates with Silverman and Lebowitz to study the role that attention plays in development and maintenance of childhood anxiety. There is a large body of research that shows that anxious children, like anxious adults, are prone to focus on threatening stimuli such as angry faces compared with neutral faces. This has led to innovative interventions that involve attention retraining. The idea is that if experts train children to look away from threatening stimuli, it may reduce their anxiety—especially children with social anxiety who are most prone to attend to threats. The researchers have just completed a clinical trial for attention retraining with 10- to 14-year-olds with social anxiety disorders and are currently analyzing the findings. Besides this innovative attention retraining research, as Crowly notes, “I like to design tasks that are engaging to kids,” Crowley says. “My goal is to assess something without the kids knowing what we are assessing.” With this goal in mind, Crowley has created a virtual game, named Boom, to study threat processing in children with anxiety disorders. The game is similar to that of hot potato—the child and three digital players take turns virtually passing a ball to each other’s gloves. At some point, the ball turns into a bomb, and as the bomb lands in each player’s glove, the outline of the glove turns yellow. The goal is to avoid having the bomb go off in your glove. What isn’t obvious is that the game is designed to measure different types of threatening stimuli, both ambiguous and direct. In the game, the direct threat occurs as the bomb is traveling towards your glove. The ambiguous threat is the yellow outlined glove as it is unknown where the bomb will travel next. While children play the game, Crowley’s team measures their brain activity using electroencephalography (EEG). The researchers have discovered that in kids with anxiety, the brain reacts more strongly to ambiguous threats than it does in their peers, but less strongly to direct threats. They believe that the initial abnormally large brain response to not knowing where the bomb is going impairs the brain's ability to properly respond when the threat is actually traveling the child’s way. “The brains of children with anxiety are unable to differentiate between threats you need to do something about and those that are not your problem.” Michael Crowley, PhD, develops innovative games for studying anxiety in children and adolescents.Credit: Matt Bradbury Based on these insights, Crowley hopes to study whether interventions like attention training could restore appropriate threat processing. Crowley’s team is also working on a test called the Balloon Risk Avoidance Task, which evaluates risk-taking and avoidance behaviors. It features a digital balloon that is full of air and about to burst. Kids have six seconds to let air out of the balloon. The more air they let out, the less risk they face that the balloon will pop. But at the same time, the balloon becomes less valuable as it deflates. “The more air you keep in the balloon, the more points you get,” Crowley explains. So far, the researchers have found that when the balloons pop unexpectedly, teens with social anxiety show distinct brain responses. Studying these responses can help psychologists understand the underlying pathways driving the various manifestations of anxiety. The genetics of anxiety When Thomas Fernandez, MD, associate professor in the Child Study Center and of psychiatry, was still in training, there was a lot of excitement about understanding the genetics associated with autism spectrum disorder. Since then, scientists have identified around 250 genes associated with autism. The genetic contribution to anxiety disorders, on the other hand, has historically received less attention. Anxiety is less heritable than autism, but the genetic contribution for anxiety disorders that emerge in childhood may be higher than for anxiety disorders overall. While scientists estimate the heritability of anxiety disorders in general to be around 30% to 50%, some studies suggest higher heritability for certain childhood-onset anxiety presentations. “I saw firsthand how researchers in the field went about finding vulnerability genes for autism,” Fernandez says. “So, we’re using a very similar playbook for childhood anxiety.” “I saw firsthand how researchers in the field went about finding vulnerability genes for autism. So, we’re using a very similar playbook for childhood anxiety.” Thomas Fernandez, MD Associate Professor In the Child Study Center and in Psychiatry Now, Fernandez and Emily Olfson, MD, PhD, assistant professor in the Child Study Center, are studying children and their parents to identify genetic changes that are present in the child but not the parents, known as “de novo mutations.” “All of us have some de novo mutations—maybe about 50 to 100 sprinkled throughout the genome,” Olfson says. “But when they occur within the coding regions of genes, they can be really disruptive.” Previous research shows that people with autism have higher rates of damaging de novo mutations than the general population. In 2022, Olfson, Lebowitz, Silverman, and Fernandez published a study on 68 children and their families that found that children with anxiety had similarly high levels of these mutations. Studying de novo mutations can help point the researchers to where they should be looking for genes associated with anxiety. “The end game is using the genes to steer us toward the right part of biology that we can then target to come up with better treatments,” Fernandez says. Building on those findings, the team is now studying more families to better understand how these de novo mutations, along with other genetic and environmental factors, shape pediatric anxiety disorders. They recently received a National Institutes of Health grant to enroll 750 new families over the next five years. Olfson is the principal investigator, with co-investigators Lebowitz, Fernandez, Silverman, and Shuangge Steven Ma, PhD, department chair and professor of biostatistics at Yale School of Public Health. Neurodevelopment, Risk Genes, and Mental Health Conditions - The Olfson Lab Joel Gelernter, MD, Foundations Fund Professor of Psychiatry, is interested in how different anxiety disorders differ genomically. “We are studying social phobia, panic disorder, and generalized anxiety disorder, working to understand why people differ in their risk to these specific anxiety disorders and evaluating various risk factors,” he says. Gelernter was recently involved in one of the largest studies to date of the genomics underlying anxiety disorder. The study included around 122,000 people with anxiety disorders and around 730,000 without. It found that some genetic differences associated with anxiety were linked to signaling that helps reduce overactivity in the nervous system. Many anxiety medications available today work by targeting this process. “It’s nice when the biology that you get out of a large genome-wide study ratifies things that we already know because that can help increase confidence in further findings from the study,” Gelernter says. Uncovering the neurobiology of psychiatric disorders John Krystal, MD, Robert L. McNeil, Jr. Professor of Translational Research and chair of the Department of Psychiatry, is interested in the neurobiology of psychiatric disorders, including post-traumatic stress disorder (PTSD), of which anxiety is a major symptom. In the late 1980s, Krystal’s team discovered that the drug yohimbine activated symptoms in patients with PTSD. “This was the first time we could link a specific biological mechanism to the symptoms of PTSD,” Krystal says. At the time, he adds, this finding was highly controversial. “A lot of people felt that PTSD was a purely psychological syndrome that didn’t have an underlying biology.” Since then, Krystal has dived deep into understanding the neurobiology of PTSD to learn how to better treat it. His team is evaluating the use of ketamine and psychedelics. These would be among the first treatments to be developed specifically for PTSD. They may also be applicable for other disorders including anxiety disorders, Krystal adds. An important gap in PTSD treatment is the absence of biological tests that inform how to best help patients manage their PTSD symptoms. A doctor doesn’t diagnose cancer based on how they feel. Rather, they use tests of the biology of the cancer to determine the best course of treatment. “And we can’t do that in any psychiatric disorder other than Alzheimer’s disease,” Krystal says. “But now we are building a foundation for this approach to the treatment of anxiety disorders for the first time.” Source: Yale School of Medicine
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How Americans’ Financial Health Is Faring In The “K-Shaped” Economy
Hey all, Jason here. Money20/20 is still two weeks away, but I’ve already started packing (not procrastinating for once!). My calendar is already filling up with various sessions I want to catch, meetings, and of course happy hours, dinners, and other side events. If you’ll be in Vegas and want to catch up, let me know by replying to this email, and we can try to find a time amidst the chaos of the Venetian. A big if not totally unexpected piece of news dropped on Friday: the Independent Community Bankers of America, a trade group that represents smaller U.S. banks, filed a lawsuit against the OCC and Comptroller Jonathan Gould, arguing that the regulator’s move to grant trust bank charters to firms seeking to use them to conduct substantial non-fiduciary activities exceeds the authorities granted to the OCC by Congress. I haven’t had time to fully digest the legal filing or speak to folks in my network about it, but you can expect to see coverage and analysis on it in next week’s newsletter. Subscribe or Support by Upgrading The NerdCon agenda just dropped. It’s stacked. Partner content: Nubank built an AI-first bank. Chime built its own banking core. Figure and Valon are rebuilding the mortgage stack. At NerdCon, you’ll hear from the people behind those bets: what they chose, what they learned, and what they’re still figuring out. The agenda is live, with leaders from Nubank, Chime, OpenAI, Remitly, Mercury, Figure, Valon and more. Follow the mainstage conversations, bring the problem your team is wrestling with to a hands-on workshop, or pull up a chair at a roundtable. Pick your quests. Meet us in San Diego, November 18–20. Fintech Business Weekly readers save 20% with code FBW20. Explore the Agenda Things To Know & Other Good Reads Federal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements (Federal Reserve Board of Governors) FDIC Announces Conclusion of Independent Monitorship (FDIC) Modernizing Financial Regulation: Initial Observations from eSLR (Fed Vice Chair for Supervision Michelle Bowman) The Data Version of Godzilla versus Kong: FRED Takes on AI (Fed Governor Christopher Waller) Financing the AI buildout (Brookings) Q3’26: Rules for Banks but Not for Crypto (Fintech Takes Banking) The Inevitability of Local Stablecoins (Lombard Notes) Delusions of AI Governance: The Human-in-the-Loop Comfort Blanket (Fintech Snark Tank) Stripe agrees to acquire Parafin to expand revenue opportunities for platforms and help small businesses grow (Stripe) Listen: Fighting Fraud in the Age of AI, with SEON’s Tamas Kadar (Fintech Business Weekly) How Americans’ Financial Health Is Faring In The “K-Shaped” Economy If there is one overarching theme across the economy and politics in the U.S. at the moment, it’s “affordability.” The term is vague enough to encompass a panoply of factors shaping Americans’ day-to-day lives: rising costs for the hallmarks of being “middle class,” including healthcare, housing, childcare, and education, inflation and rising interest rates, and a job market with the specter of AI hovering over it. At the same time, policy shifts under the Trump administration have resulted in reduced subsidies to those who get health insurance under the Affordable Care Act and new restrictions on qualifying for Medicaid and SNAP, the impacts of which have yet to be fully felt. These factors are contributing to declining consumer confidence and general dissatisfaction with the economy, despite continuing GDP growth and stock market records. This divergence is encapsulated in the idea of the “K-shaped” economy, in which a small proportion of Americans have seen their wealth balloon, while the majority of American households struggle to preserve the lifestyle they have. Perhaps the greatest determinant of which branch of the “K” a household is on is whether their wealth and income are primarily derived from employment vs. from assets. Nearly two decades of low interest rates and, more recently, elevated rates of inflation have benefited asset owners, while those whose income is primarily or solely derived from labor have largely seen real purchasing power stagnate or decline. This is reflected in recent Bureau of Labor Statistics data showing that labor share of U.S. GDP — the fraction of economic output that accrues to workers as compensation in exchange for their labor — dropped to just 52.8% in Q2 2026, the lowest since the BLS began keeping records. In 1947, approximately 2/3rds of economic output accrued to workers; even as recently as 2001, labor’s share of GDP was 64.1%. Against this backdrop, we’ve seen the rise of more credit and credit-like products: cash advance apps, “no-fee” overdraft, earned wage access, and buy now pay later, which are often used as small-dollar short-term borrowing mechanisms to meet immediate consumption needs or pay other bills (eg utilities, cell phone, other debt payments). With the markers of a middle class existence and, increasingly, basic financial stability seemingly out of reach for many, it should be no surprise there’s been an increase in “financial nihilism,” something industry peers like Alex Johnson and Frank Rotman have discussed and analyzed the roots of. The explosion of gambling and gambling-adjacent products and services — often marketed under the guise of being an “investment” — is inextricably intertwined with the rise of financial nihilism. Crypto, sports betting, and, more recently, prediction markets offer an escape or even hope of sorts, like a contemporary, digital version of a scratch-off lottery ticket, while leaving the overwhelming number of people who use such products worse off. Share of Households That Are Financially “Vulnerable” Ticks Up The Financial Health Network’s 2026 Financial Health Pulse® report adds context on how American households are faring. (I linked to this report in last week’s newsletter, but wanted to take time to further unpack the data in the report this week.) The Financial Health Network publishes the report annually, providing insight into how Americans’ financial circumstances are changing over time. The 2026 report is derived from a survey fielded in April and May 2026. The report leverages survey responses to assess indicators of financial health across spending, saving, borrowing, and planning/protecting and to determine a zero to 100 “FinHealth” score. Those with scores between 0 and 39 are considered “Financially Vulnerable,” consumers with scores ranging between 40 and 79 are defined as “Financially Coping,” and those with scores of 80 to 100 are “Financially Healthy.” The report found that moderate improvements in 2025 were reversed, with the share of respondents considered financially “vulnerable” rebounding to 17%. The longitudinal data reflect the impact of pandemic-era programs, like expanded unemployment, cash stimulus payments, and pauses of federal student loan payments. The positive impacts of those programs, as reflected in the Financial Health Pulse reports, had largely disappeared by 2023. While pandemic-era inflation — to be fair, in part caused by the various support and stimulus measures — had come down from as high as 9% in 2022, it has rebounded since the start of Trump’s second term, with tariffs and energy market disruptions owing to the war in Iran pushing prices back up. Specific indicators in the survey that deteriorated from 2025 to 2026 include the share of respondents spending less than their income over the past 12 months, the share paying all bills on time over the past 12 months, the share that have a manageable amount or no debt, the share that are “moderately” or “very” confident their insurance is adequate to cover them in an emergency, and the share that “somewhat” or “strongly” agree that their household plans ahead financially. Unsurprisingly, lower- and moderate-income households are more likely to struggle to pay their bills on time and have any funds leftover to save. The share of low-income households whose income exceeded their spending dropped from 35% in 2025 to 31% in 2026, while the share of upper-income households whose income exceeded expenses remained unchanged at 63%. Households with student loans or revolving credit card debt reported having “a bit more” or “far more” debt than was manageable at rates far higher than those not carrying these types of debts. The share of those with student loan debt indicating their debt load was too high to manage increased from 50% in 2025 to 55% in 2026, while the share of those with revolving credit card debt saying the same ticked up from 51% in 2025 to 54% in 2026. Households that had student loans were markedly more likely to be financially “coping” or “vulnerable” vs. those without student loans. In 2026, 27% of households with student loans were considered financially vulnerable, a jump of 6% points vs. 2025. Households without student loans saw just a 1% point increase (not statistically significant) in those considered financially vulnerable. Households’ perception of the affordability of categories of goods and services paints a stark picture, with less than one-fourth considering higher education affordable, about a third deeming childcare affordable, and less than half viewing healthcare as affordable. 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. Democratic Senate Report Highlights How Iran Uses Tether to Evade U.S. Sanctions Iran uses stablecoins, specifically Tether, to evade sanctions, fund regional proxies, and to purchase military drones, a report released last week by the Senate Permanent Subcommittee on Investigations says. The report was authored by committee ranking member Senator Richard Blumenthal (D-CT) and the minority staff. Crypto and stablecoin proponents will often push back on criticism that criminals make use of these assets by arguing that, on an absolute dollar basis, far more illicit funds flow through traditional banking systems and payment rails than via crypto and stablecoins. And while that is likely true, it elides the reality presented in news story after news story: whether state actors — Russia, Iran, North Korea — or criminal groups, those looking to engage in illicit transactions increasingly favor stablecoins and, specifically, Tether (USDT). The report from the Senate Permanent Subcommittee on Investigations released last week adds context to how Iran uses Tether has a lynchpin in its shadow banking system. The report analyzed 846 wallets that have been sanctioned or targeted for seizure, finding that 84% of them transacted exclusively or primarily in Tether. The ability to create near limitless, anonymous wallets and to move funds effectively instantaneously and irreversibly have made crypto a favored financial mechanism for bad actors. Stablecoins solved key drawbacks of bitcoin, namely, the original cryptocurrency’s highly volatile value in dollars. And while Tether (the company) has the technical ability to “freeze” or destroy funds, the company is often limited and reactive in its approach to doing so, the Senate report argues. Tether, which is nominally based in crypto-friendly El Salvador, “has stated that its compliance with OFAC sanctions is ‘voluntary’ and that it follows ‘OFAC guidelines,’” the Senate report says. Owing to these favorable attributes, Tether “became a primary cryptocurrency for Iran, Hamas, Hizballah, and the Houthis beginning in 2023 and has expanded in scale since,” according to the report. Tether’s role in Iran’s shadow banking system, the report says, is enhanced by crypto exchanges like Bybit, Kyrrex, OKX, Gate, and Binance, and through “over the counter” exchanges and hawala networks. The consequences of these financial flows aren’t hypothetical. The Senate report links Tether as a funds transfer mechanism to Iranian proxies in the region, including Hizballah, the Houthis, and Hamas. Tether has also been used to make payments to secure components necessary to manufacture drones, the report says. The report concludes by arguing that “[s]tablecoin issuers with a significant nexus to the United States, particularly those that offer dollar-denominated stablecoins, should be subject to American sanctions law rather than being allowed to hide behind foreign jurisdictions.” Stablecoin issuers like Tether must be held accountable for repeated failures to prevent illicit finance and sanctions violations by law enforcement, the Department of Justice, the Securities and Exchange Commission, and OFAC, the report argues. [Paying Subscriber Exclusive] OUSD Goes Live, Make Your Own Neobank, U.S. Sanctions Russia’s A7 Network As “Transnational Criminal Organization” OpenUSD, the stablecoin issued by the Open Standard consortium that includes Stripe, Visa, Mastercard, core providers, crypto firms, and numerous banks, went live last week. Social commerce platform Whop raised eyebrows in fintech by offering creators on its platform the ability to launch their own neobanks, which the company describes as “great businesses that are easy to run,” in just 15 minutes. And OFAC and FinCEN target Russia’s “shadow banking” A7 Network — more on these stories after the paywall.
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50 children in our area hit by cars every year; toxic pond water in Centennial Park; ‘gas station heroin’; plus other stories with Vanderbilt Health sources
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