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The Co-op of Batesville
Serving the community for more than a decade Locally owned and operated businesses are a staple of the Delta economy, providing personalized service to their customers. The Co-Op of Batesville is a prime example. For 11 years, owners Steve and Kay Nickle have provided outdoor- themed supplies and apparel to citizens of Batesville, […]
Spooky season watchlist
In October 2024, I drove into Gambrill State Park after dusk and joined others carrying blankets and lawn chairs — flashlight streams lighting the road and parking lot — as
International Coalition Endorses Kyoto Vision For A Golden Age Of Science
An international coalition of 17 countries have endorsed the Kyoto Vision for a Golden Age of Science. A joint declaration issued at the 23rd Annual Meeting of the Science and Technology in Society Forum held in Kyoto, reflects a shared ambition to renew and strengthen our science ecosystems and usher in a golden age of discovery and prosperity.
Are aliens real? Here’s what science can and can’t prove
Some scientists believe the sheer number of stars, planets and potentially habitable environments in space makes extraterrestrial life plausible. But plausibility is not proof. Despite decades of sear...
25 Years of Business Income Insurance Coverage Claims Since the Attacks of Sept. 11, 2001
The 9/11 attacks reshaped business income insurance, spurring decades of litigation over loss calculations, restoration periods, expert evidence, and terrorism coverage. These disputes continue to influence claims and policyholder protections after major catastrophes.
Jobs in health care. Jobs for women. The US labour market is segmenting. Chernobyl’s radiation and Lenin’s love of literature.
Thank you for opening your Chartbook email. Elmer Bischoff, Two Figures at the Seashore, 1957 The only really dynamic job-creator in the US economy is health care: The largest crunch has come in Federal government, which has shed 2.7 m jobs. Source: tchouvkov on Twitter Tech is struggling. [ Joey Politano 🏳️🌈@JosephPolitano The US tech sector continues bleeding jobs in official data released today—overall, employment decreased by 17k last month and is down 69k over the last year That's nearly as bad as the worst of the 2024 tech-cession, and much worse than the 2022 boom or even pre-2020 norms 12:42 PM · Oct 2, 2026 · 15.2K Views 15 Replies · 47 Reposts · 390 Likes ](https://x.com/JosephPolitano/status/2106001807847940232?s=20) The new jobs are all for women. [ Justin Wolfers@JustinWolfers I'm not sure who saw this coming, but so far nearly all the jobs created during the second Trump administration have gone to women. 1:09 PM · Oct 2, 2026 · 33K Views 70 Replies · 146 Reposts · 644 Likes ](https://x.com/JustinWolfers/status/2106008723533533601?s=20) Meanwhile, real wages are being eaten up by modest over-target inflation. [ Heather Long@byHeatherLong The financial pain is real: Wage growth fell to 3% (y/y) in September. That's the lowest in 5 years. Wage growth: 3% Inflation: ~3.4% Inflation has eaten up all wage gains for the average worker since April. Many people are having to make hard choices about what to buy and what … 1:24 PM · Oct 2, 2026 · 37K Views 24 Replies · 275 Reposts · 533 Likes ](https://x.com/byHeatherLong/status/2106012367712620728?s=20) HEY READERS, THANK YOU for opening the Chartbook email. I hope it brightens your day. I enjoy putting out the newsletter, but tbh, what keeps this flow going is the generosity of those readers who clicked the subscription button. If you are persuaded to click, please consider the annual subscription of $60. It is both better value for you and a much better deal for me, as it involves only one credit card charge. Why feed the payments companies if we don’t have to. Subscribe Elmer Bischoff, Bathers, 1960 Americans are disillusioned with higher ed. For contributing subscribers only. Subscribe Where the Chernobyl radiation went. h/t Simon Kuestenmacher aka simongerman600 How Lenin’s love of literature shaped the Russian Revolution - Tariq Ali This, then, was the intellectual atmosphere in which Lenin came of age. His father, a highly cultured conservative, was the chief inspector of schools in his region and much respected as an educationalist. At home, Shakespeare, Goethe and Pushkin, among others, were read aloud on Sunday afternoons. It was impossible for the Ulyanov family – “Lenin” was a pseudonym adopted to outwit the tsarist secret police – to escape high culture. At high school, Lenin fell in love with Latin. His headteacher had high hopes that he might become a philologist and Latin scholar. History willed otherwise, but Lenin’s passion for Latin, and taste for the classics, never left him. He read Virgil, Ovid, Horace and Juvenal in the original, as well as Roman senatorial orations. He devoured Goethe during his two decades in exile, reading and rereading Faust many times. Lenin put his knowledge of the classics to good use in the time leading up to the October revolution of 1917. In April of that year, he broke with Russian social-democratic orthodoxy and, in a set of radical theses, called for a socialist revolution in Russia. A number of his own close comrades denounced him. In a sharp riposte, Lenin quoted Mephistopheles from Goethe’s masterwork: “Theory, my friend, is grey, but green is the eternal tree of life.” Source: The Guardian Elmer Bischoff, The River, 1953 If you’ve scrolled this far, you know you want to click: Subscribe
Study: IL lawyers report mental health challenges, substance abuse, suicide ideation
(CAPITOL CITY NOW) - For many lawyers, the effects of the job can include declining mental health, substance abuse, problem gambling, suicide ideation, and even declining cognitive skills. These are the results of a survey of Illinois attorneys, "The Weight of Practice," commissioned by the Illinois Lawyers' Assistance Program. Factors include the stress of being
NBA 2K25 is being delisted later this month, servers (including single-player story mode) shut down at the end of the year
MyCareer, MyTeam and all other online game modes will end in December…
Downtown Urbana entertainment venue/restaurant seeks extension on opening date
While an official opening date for Fernie’s High Horse has yet to be announced, at least two concerts are already booked for late 2026: Emo brand TRSH on Dec. 4
Jesus: Cristiano Ronaldo will decide his Portugal future
Portugal boss Jorge Jesus has opened the door for Cristiano Ronaldo to resume his international career. Ronaldo left the national team squad after he was an unused substitute for a 2-1 win away to Norway in the Nations League on September 27.
NC House 115 candidates split on taxes, school vouchers
Rep. Lindsey Prather and Anthony Penland differ on property taxes, school vouchers and Raleigh's role in local decisions.
An 8-justice Supreme Court to decide whether cities can sue oil companies for climate change impacts
The Supreme Court will hear arguments Monday in one of the most important climate change cases to reach its docket in years, a multibillion-dollar effort to hold major oil companies like ExxonMobil liable for the damages caused by planet-warming pollution.
This Kenner 'beach' thrives on volleyball, cold beer, decades of camaraderie: 'We're still here'
If it weren’t for the glowing lights of Planet Fitness and Treasure Chest Casino at the strip mall a few feet away, you could almost forget this beach is in the middle of a parking lot in Kenner. Here’s why locals drive from New Orleans and beyond each week to hang out, play ball or drink a few cold ones.
From floating saunas to clinical trials: How heat might help mental health
While scientists have a decent understanding of how sauna and other forms of heat exposure exercises our cardiovascular system, they know relatively little about its impact on mental health.
From floating saunas to clinical trials: How heat might help mental health
While scientists have a decent understanding of how sauna and other forms of heat exposure exercises our cardiovascular system, they know relatively little about its impact on mental health.
Governor’s advisory council discusses Youth Risk Behavior Survey ahead of final policy recommendations
Gov. Stein's advisory council is finalizing recommendations on youth well-being before the legislature decides how to use Meta settlement funds.
How tragedy, faith led Julia Letlow to run for Senate: ‘I needed those signs from the Lord’
After her husband, Luke, died of COVID, Julia Letlow faced a major decision.
Voters are increasingly using AI chatbots to fact-check and compare candidates
Voters are already voting in the midterms. This year, some voters are trying something new to get ready for the election: asking AI to help research their ballot and even decide who to vote for.
Voters are increasingly using AI chatbots to fact-check and compare candidates
Voters are already voting in the midterms. This year, some voters are trying something new to get ready for the election: asking AI to help research their ballot and even decide who to vote for.
From floating saunas to clinical trials: How heat might help mental health
Many people are turning to sauna because of its benefits for their mental health. While scientists have a decent understanding of how sauna — and other forms of heat exposure — exercises our cardiovascular system, they know relatively little about its impact on depression, anxiety and mood. But more studies are being done to understand this connection and why heat appears to act as a powerful antidepressant. NPR's Will Stone visits a "floating sauna village" in Oslo where a husband-wife team are conducting one of the first trials on the link between sauna and mental health — and talks to one of the leading researchers in the U.S about her efforts to study this. Morning Edition consumer health segment for October 5
French services sector returned to growth for first time since December, PMI shows
France's dominant services sector grew in September for the first time since the end of last year, helped by a rebound in output after businesses had been impacted in August by an intense summer heatwave, a business survey showed on Monday.
Britain's Green Party votes to treat Zionism as racism
Britain's Green Party has adopted a new policy declaring itself an anti-Zionist party and treating Zionism as racism.
Experienced signings will help captain James
Cesar Azpilicueta backs Chelsea's decision to sign experienced players this summer and believes it will help captain Reece James grow as a leader.
The genetic secret helping bats survive a deadly epidemic
We’re easing you into Halloween season with an episode about bats. There’s a silent serial killer decimating little brown bats as they hibernate. White nose syndrome has driven populations across the U.S. to almost the brink of extinction over the last decade. But recently, conservation biologist Giorgia Auteri and her team noticed several genetic mutations in the survivors. These mutations could explain how natural selection has shifted the existing population – and inform conservation efforts in the future.Interested in more animal science? Email us your question at shortwave@npr.org.Support public media with NPR+ and enjoy perks for over 25 podcasts like this one. This show’s perks include sponsor-free listening. Learn more at plus.npr.org.
Real Madrid set to join the race for Alex Scott
Real Madrid are considering a move for Bournemouth midfielder Alex Scott after stepping up their scouting of the England international.The 23-year-old has emerged as a target for several major clubs, ...
Jorge Jesus says Ronaldo will decide his Portugal future
Cristiano Ronaldo remains welcome in the Portugal squad, with manager Jorge Jesus leaving the decision over his international future in the 41-year-old’s hands.Ronaldo left Portugal’s Nations Leag...
Rules analyst reveals game-changing referee mistake
Earlier this season, the Michigan Wolverines benefited from a controversial replay decision that put one more second on the clock, allowing for one last heave at the end zone, only for governing bodies to later conclude that protocol was not correctly followed. A similar situation happened this week at the FCS level. During Friday night’s…
‘Gossip Girl’ 25th anniversary musings
The CW’s “Gossip Girl” recently turned 19 years old, making it the age of this year’s college freshmen. Despite being over a decade old, the show remains impressively relevant among
Japan’s Nippon To Buy Akzo’s Southeast Asia Decorative Paints Business For $1.35 Billion
The deal gives Nippon Paint—controlled by the family of late Singaporean billionaire Goh Cheng Liang—access to Akzo’s operations across Indonesia, Malaysia, Singapore, Thailand, Vietnam, Papua New Guinea and Australia.
The New Denpa Men to end service on December 6
Free-to-play RPG The New Denpa Men will end service on December 6 at 6:00 p.m. PT / 9:00 p.m. ET / December 7 at 11:00 JST, developer Genius Sonority announced.
CHRISTUS Health Plan to withdraw from Medicare Advantage
TEXARKANA, Texas -- Thousands of East Texas seniors with CHRISTUS Medicare Advantage plans will need to find a new provider for coverage by Dec. 7 this year.
Broncos Inept Offense Leads To 24-10 Loss To Niners
The Denver Broncos offense struggled again as they lost an ugly game to the San Francisco 49ers.
They survived World War II and lost decades, but not 2026. Japan's century-old businesses are disappearing at a record pace
Japan’s century-old businesses face mounting pressures from rising costs, labor shortages, a shrinking market and succession challenges.
Georgia Tech And Amazon Launch Science Hub For AI, Robotics, And Logistics Research
Georgia Tech and Amazon have launched the Georgia Tech-Amazon Science Hub, expanding a decade-long research relationship between the university and technology company. Amazon will provide funding for joint research projects and community-building initiatives through the new hub.
Amid Soaring Costs, Health Benefits Brokers Seek New Strategies
Affordability challenges are transforming the health benefits market, requiring brokers, carriers, and employers to make difficult decisions. In 2000,
WHO joins Pre-COP31 to advance climate action that delivers for people’s health
The World Health Organization (WHO) is joining Pacific leaders, governments and partners at Pre-COP31 in Fiji from 5 to 8 October to advance health priorities in climate action and strengthen the Pacific voice ahead of the 31st Conference of the Parties (COP31) to the United Nations Framework Convention on Climate Change (UNFCCC).COP31, to be held next month in Antalya, Türkiye, marks an important step for global climate and health action. Health is one of the 10 priority themes of the COP31 Action Agenda, “Dynamic and Resilient Health Systems”, and a dedicated Health Day will take place on 9 November, the first day of COP31. The inclusion of health reflects growing global recognition that climate action and health are closely connected. The climate crisis is affecting population health globally. Across the WHO Western Pacific Region, which includes Pacific island countries and areas, the consequences of climate change include extreme heat, cyclones, floods, rising sea levels, food and water insecurity, infectious diseases and disruptions to essential health services. The Pacific in particular faces additional challenges. A recent review of 76 hospitals in 14 Pacific island countries found that 62% of health facilities are located within 500 metres of the sea or a river, leaving them particularly exposed to flooding, storm surges and sea-level rise.Bringing Pacific priorities to the global climate agendaThe Pacific Pre-COP31 provides an important opportunity for Pacific countries and partners to consolidate regional priorities and bring the experiences and leadership of Pacific communities into global climate discussions.Pacific countries have been advancing practical approaches to protect health in a changing climate, including strengthening climate-resilient health systems, improving preparedness for extreme weather events, building resilient health infrastructure and mobilizing climate finance for health. “This Pre-COP is an important moment for the Pacific, bringing global climate discussions to a region that has long been at the forefront of the climate crisis. It provides an opportunity for Pacific countries and areas to set their priorities, experiences and leadership on the global stage, and to ensure that the realities of Pacific communities are genuinely reflected in the decisions made on climate action,” said Dr Saia Ma’u Piukala, WHO Regional Director for the Western Pacific.Throughout this week, WHO will co-convene and participate in high-level discussions and events focused on climate and health, climate resilience, adaptation, financing and implementation. “Climate finance is essential for resilient and healthy Pacific communities,” emphasized Dr Mark Jacobs, WHO Representative to the South Pacific and Director of Pacific Technical Support. “We must ensure that financing reaches the people, communities and essential services most exposed to climate risks, supporting locally defined priorities and investments.”WHO will work with partners to strengthen the integration of health considerations across climate policies and investments, including national climate plans and resilience initiatives.Health as a driver of climate actionAmid the risks to health and pressures on health systems, well-strategized and implemented climate action can deliver significant health benefits. Investments in clean energy, sustainable transport, resilient infrastructure, food systems and nature-based solutions have proven to reduce health risks while contributing to climate mitigation and adaptation.“Climate action is truly an investment in health. Cleaner energy, healthier food systems and climate-resilient health services can protect lives while building stronger communities. We now need to turn these opportunities into action and make health a core part of climate investments,” said Dr Sandro Demaio, Director and Head of Office, WHO Asia-Pacific Centre for Environment and Health in the Western Pacific Region. “These benefits demonstrate that climate action is not only about reducing future risks. It is also an opportunity to improve lives today while building healthier, safer and more resilient societies.”At COP31 next month, WHO will also support the Health Pavilion, which will bring together the global health community and partners to advance health and equity within climate negotiations. With COP31 poised to move health higher on the global climate agenda, WHO will continue working with countries and partners across the Western Pacific Region and globally to strengthen climate-resilient and low-carbon health systems, and ensure that climate action protects and improves people’s health.____________________Media contactsElizabeth Bennett, WHO Asia-Pacific Centre for Environment and Health in the Western Pacific Region, elizabeth.bennett@who.intJulia Dongwhan Shin, WHO Asia-Pacific Centre for Environment and Health in the Western Pacific Region, dong.shin@who.intWHO Western Pacific Communications, wprocom@who.int
Township of Ocean Announces Annual Pumpkin Decorating Contest for Local Youth
Ocean Township opens youth pumpkin decorating contest, with Amazon gift cards for top entries in two age divisions.
Anti-Woke Sports Bro Cut From College Football Fan Favorite
The Barstool Sports founder blamed his rival team for Fox Sports’ decision.
Should Raptors Still Pursue Domantas Sabonis?
The Sacramento Kings center denied any trade rumors surrounding his name but Toronto still needs to address a glaring hole on their roster.
RB Cam Skattebo: 'We came out here and handled business'
Running back Cam Skattebo addresses the media following the Giants' Week 4 win over the Arizona Cardinals.
AkzoNobel to sell unit to Nippon Paint for over $1 billion, FT reports
Dulux paint maker AkzoNobel is nearing a deal to sell its Southeast Asian decorative paints business to Nippon Paint for well over $1 billion, the Financial Times reported on Sunday, citing people familiar with the matter.
Corey Ave businesses host craft fest in ‘new normal’ after Hurricane Helene anniversary
Business owners along Corey Avenue said they’re getting used to a new normal, now two years removed from the decimation by Hurricane Helene.
Column: Did Iowa miss chance to address kids’ mental health?
I question if the decisions made were the best use for the funds. What about designating more to school and community grants, which could hire more counselors and therapists? Or
Bayern join Real Madrid and Arsenal in monitoring Kenan Yildiz
FC Bayern Munich are apparently keeping a close eye on former Campus academy product in Kenan Yildiz of Juventus.According to the Corriere dello Sport, the record champions are closely monitoring the ...
Colts Rock Commanders in London After Slow Start
The Indianapolis Colts got a decisive win over the Washington Commanders in London, 30-13.
Modders are furious as Claude-powered mashup mods flood social media
A wave of AI-decompiled mashup mods has taken over X/Twitter this week.
Week 4 inactives for Rams
Los Angeles declares seven players inactive versus Philadelphia
Week 4 inactives for Buccaneers
Tampa Bay declares seven players inactive versus Green Bay
California voters to decide Prop 45 to change how environmental laws impact key construction
California voters this November will decide Proposition 45, a measure that could change the state’s environmental laws to speed up construction projects such as housing, bridges, and clean energy infrastructure.
An AI couldn’t beat humans at StarCraft, so it decided to cheat
When GPT-6 Astra’s own bot failed, it simply downloaded the best human-made bot instead.
The pill: from symbol of women's liberation to subject of growing mistrust
Initially a symbol of liberation, the pill went on to become an almost inevitable part of a woman’s contraceptive journey. But today its use in France is in decline, the drop in popularity fuelled by…
Sen. John Kennedy says he’s considering running for president
The Louisiana senator said that he has not made a decision yet and noted that right now, he is running for re-election.
Wildlife camera in Guatemala captures a once-in-a-decade snapshot
The recent photographs confirm that jaguars are still traveling along an important wildlife corridor.
Jimmy Rollins rips Austin Wells after awful base-running decision
The Tampa Bay Rays took a 1–0 series lead over the New York Yankees in the ALDS on Saturday with a nail-biting 1–0 win in front of the home crowd. Leading the way for the Rays was pitcher Drew Rasmussen, who took a no-hitter into the eighth inning before finally conceding a shot off the…
Man refuses to defend his brother’s bad business decisions at their dad’s formal hearing after years of cleaning up every overpromise he made
A 38-year-old who has spent his entire career quietly fixing his older brother's overpromises just refused to walk into a formal hearing and help present those promises as bad luck. His family is not ...
3 Questions For Rockets Preseason Opener In Macao
NBA preseason is already underway. Likely MVP candidate Giannis Antetokounmpo has made his unofficial debut for the Miami Heat. Houston Rockets fans will have to wait until Friday, October 9th for their team to play the Dallas Mavericks in Macao. Here are three questions they should look out for when that time comes. 3 Questions …
Sunday Puzzle: 'In' at the Finish
NPR's Ayesha Rascoe plays the puzzle along with Weekend Edition Puzzlemaster Will Shortz and WVIA listener Mary Ann Paulukonis of Pittston, Pennsylvania.
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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Mormon leader decries explosion in sports betting, prediction markets
A leader of The Church of Jesus Christ of Latter-day Saints says an explosion in online prediction markets and sports betting is fostering greed among young people
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