SCROLL NEWS / DISCOVERY
Search headlines
Find the stories shaping the conversation.
Results for " rail " 1,893 found 🔀 AI-powered Shuffle
Greenwood considers updates to development fees, property codes
Greenwood officials are working to update the city’s rules governing development, property maintenance and code enforcement, an effort Mayor Doug Kinslow said is needed after years without some regulations being...
Battlefield 6 Resurrects the Corpse of Dead Space With The Marker Tease
The corpse of Dead Space is being reinimated for Battlefield 6, with the latest trailer for Season 5 seemingly teasing a crossover.
The 2026 Bluebird Banter Haiku Contest: Voting
Time to vote. I took all the haiku that had five or more recs. I had to put them into two polls because of an arbitrary limit that we have on Feed polls. 1: TCasserole Perfection and grace Gallant strides and vapour trails When Kirk steals second 2: Tom__M Walk, single, single Double play, strike […]
UCF Honors 8 Trailblazing Faculty with 2026 Luminary Awards
The honorees are advancing discovery across fields ranging from transportation safety and quantum science to tourism, disaster resilience and emerging technology.
Why the FDA should not approve an ineffective multicancer screening test
“Telling more people they have cancer is not progress; progress is having fewer people die from cancer,” H. Gilbert Welch writes of Grail’s multicancer screening test.
Introducing: The Seiko Panda Watch That Stole The Show In 2024 Is Finally Here
One of the standout creations from Seiko's 2024 power design project—an irresistibly charming chronograph designed to look like an actual panda—has officially entered production.
Trump’s midterm messaging undercuts GOP candidates
Many Republican candidates have found themselves in surprisingly competitive races
Trump’s midterm messaging undercuts GOP candidates
Many Republican candidates have found themselves in surprisingly competitive races
RYOBI Cleans Up Local Politics with Unlikely Mayoral Candidate 'Swifty'
McCann Birmingham and RYOBI unveil the first trailer for a documentary following the spot cleaner’s unlikely bid to become mayor of Staines
Offensive Line Looks Offensive: Spartans Rank Last in Sacks Allowed
From personnel shifts to coaching failures, a crumbling front wall has left the Spartans reeling as record-breaking sack numbers threaten to derail the Pat Fitzgerald era.
Jeffries says House Democrats aiming to repeat 2018 sweep by flipping Trump districts
The Democratic Party is working to expand the map by going on offense in Republican-held districts, while President Donald Trump hits the trail in a red-state sprint to boost voter enthusiasm and shore up support from his base.
Marvel's 'Project COMET' First Gameplay Trailer Allegedly Leaks
We've heard rumors and talk of Project COMET for weeks, and the new Marvel game has reportedly had its first footage leaked.
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"
Introducing: The New Omega Seamaster Diver 300M James Bond & Spectre Editions (Live Pics)
The brand commemorates this year's James Bond Day with some special new Seamasters.
Total Access Elevator Buys Competitor
Total Access Elevator, an elevator servicing company based in Santa Fe Springs, has made its fourth acquisition in a buying spree aimed at gaining market
3 Most Disappointing Cubs Players In 2026
From high-priced free agents to a botched blockbuster trade, these three struggling stars derailed Chicago's championship aspirations and fueled a premature postseason exit against the Padres.
Buffalo Bills Lose 29-26 To New England: Instant Reactions
Josh Allen’s late-game interception and a defensive collapse derailed Buffalo’s perfect season, overshadowing record-breaking milestones and a breakout performance from wide receiver Keon Coleman in New England.
Jets end 20-game interception drought, trail Bears 7-3
The Jets went the entire 2025 season without intercepting a pass and the streak ran to 20 games last weekend, but it is finally over.
Fox Sports announcers can’t believe controversial finish to Padres-Brewers Game 1
The Milwaukee Brewers hung on to beat the San Diego Padres 3-2 in Game 1 of the National League Division Series on Saturday night, and the Brewers got a home-field assist from the roof at American Family Field during a crucial moment in the ninth inning. Trailing 3-2 with a runner on first base and…
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.
Why doesn’t high speed rail work in America?
American railroads were once the envy of the world and the engine of its industrial age. But that hasn’t been the case for more than half a century.
Veteran political forecasters see midterm losses for GOP
Two of the country's top political prognosticators see Democrats likely seizing the House and possibly the Senate. The guardrails Republicans were counting on to stem their losses don't seem to be holding.
ETSU reclaims rail with 14-3 rivalry win over Chattanooga.
JOHNSON CITY, Tenn. (WJHL)— ETSU football reclaimed the Rail for the first time since 2018 on Saturday, defeating SoCon rival Chattanooga 14-3. The Buccaneers improved to 4-2 overall and 2-0 in SoCon play while snapping a six-game losing streak to the Mocs. ETSU has now won six consecutive conference games dating back to last season. […]
Penguins surge then swoon then celebrate OT winner over Canadiens
The Pittsburgh Penguins (2-0-0) were being outshot 7-1 in the first period and trailed 1-0 before the game turned. And it turned in a big way as the Penguins then outshot the Montreal Canadiens (1-0-1) 21-5 over the next 30 minutes, racing to a 5-1 lead later in the second period.
No. 8 YSU surges past No. 22 Southern Illinois
The No. 8 Penguins trailed 10-7 at halftime before scoring the next three touchdowns in the second half to overwhelm the Salukis.
Trump’s spat with GOP lawmaker over Daylight Saving Time
President Donald Trump railed against Sen. Tom Cotton in a series of posts on Saturday, accusing the Arkansas Republican of holding up a bill that would make Daylight Saving Time permanent and encouraging people to call the senator at his cellphone number.
Trump posts GOP lawmaker’s phone number amid spat over Daylight Saving Time
President Donald Trump railed against Sen. Tom Cotton in a series of posts on Saturday, accusing the Arkansas Republican of holding up a bill that would make Daylight Saving Time permanent and encouraging people to call the senator at his cellphone number.
Marlins Season a Success but Left Much to be Desired
Record-setting home crowds and a historic June surge fueled Miami’s first positive run differential in sixteen years, yet a devastating July collapse ultimately derailed their postseason ambitions.
AI Could Turn U.S. Media And Entertainment Into A $48 Billion Market
Scripts, storyboards, trailers, thumbnails, voiceovers and rough cuts are all becoming part of AI’s entertainment-industry résumé. A Research and Markets report projects the U.S. AI media and entertainment market will grow from $9.70 billion in 2025 to $47.95 billion by 2034, with a compound annual growth rate of 19.43 per cent from 2026 through 2034. […]
‘Fraile Forms’ opens Saturday at PUNCH gallery
PUNCH in Thorp presents “Fraile Forms” by artist June T. Sanders in October.
Business moves in and around downtown
The Railyard changes hands, books replace flowers, and Bus Stop moves across the street.
‘Brave from the beginning’: 20 years of Friday Night Lights – the sports drama that dared to be different
It launched the careers of Jesse Plemons and Michael B Drama, and let its stars improvise in a way that was fresh and new. This show about smalltown US football was confident, trailblazing – and wonderful
She left Vegas to live on a ‘Blue Zone’ island where people live past 100 years old
In our roundup of travel stories this week: a hiking trail through the “Mountains of Heaven,” why Champagne is getting boozier, plus a woman who found joy by moving from Las Vegas to an Italian island.
AI's race to transform the world before the money runs out
Never has so much cash flowed into a new technology as is pouring into AI, eclipsing the sums splurged on railways or the internet when those technological revolutions sucked in capital.
Henderson County loses close game to George Rogers Clark
HENDERSON, Ky. (WEHT) — After trailing 21-7 at halftime, Henderson County high school football team battled back against George Rogers Clark to lose in the end 53-48. Next the Colonels will travel to Christian County to take on the Tigers.
EAST TEXAS POLITICS: U.S. Rep. Nathaniel Moran talks AI guardrails, affordability and reelection bid
U.S. Rep. Nathaniel Moran, R-Tyler, joins Blake Holland on this week’s edition of East Texas Politics on East Texas Now.
ETX Politics: U.S. Rep. Nathaniel Moran talks AI guardrails, affordability and reelection bid
U.S. Rep. Nathaniel Moran, R-Tyler, who represents Texas’ 1st Congressional District, joins Blake Holland on this week’s edition of East Texas Politics on East Texas Now. Moran discusses artificial intelligence guardrails, shipbuilding, his bid for reelection and the issue of affordability.
Alaska Science Forum time capsule: The secret life of a red fox family
A trail camera exposed a year that included new additions to the skulk.
Florida Put on Upset alert Before Playing No 25 Mizzou
Riding high after toppling Ole Miss, the Gators must now survive a hostile SEC road test against a motivated Tigers squad eager to derail Florida’s playoff momentum.
‘Abbott Elementary’ teases sixth season changes
PHILADELPHIA — The new season of "Abbott Elementary" is nearly back in session. And from the looks of it, there are some changes coming. In the Season 6 trailer that
Top Senate GOP group puts pause on spending in North Carolina
National Republicans are starting to make major moves to divert resources away from the North Carolina Senate race where GOP candidate Michael Whatley has long been trailing in polls.
Trump and Vance hit the campaign trail in deep-red areas
Trump traveled to Texas and Oklahoma and kicked off what the president said will be a 32-day campaign blitz leading up to Nov. 3.
Trump and Vance hit the campaign trail in deep-red areas
Trump traveled to Texas and Oklahoma and kicked off what the president said will be a 32-day campaign blitz leading up to Nov. 3.
Two Most Important Things for New Blazers Coach Micah Nori
Armed with elite playmaking and a stingy defense, Portland’s new leader must balance offensive star power with rotation flexibility to transform the Blazers into Western Conference contenders.
In brief: 'Reacher' spinoff gets a second season and more
We’ve got an official trailer for NBC’s Newlyweds, the new sitcom starring real-life married couple Tim Daly and Téa Leoni. The show, co-created by Jamie Lee Curtis, follows a later-in-life love story between a free-spirited woman and a professor who marry after a quick courtship. It premieres on Oct. 23 …The Reacher spinoff Neagley is getting a second season, just two weeks after the first season debuted on Prime Video. Maria Sten stars as the fan-favorite character Frances Neagley, a private investigator from Chicago and the former protégé of Jack Reacher, in the action series. The original Reacher series, starring Alan Ritchson, was picked up for a sixth season earlier this week … TNCMS.AdManager.render({region: 'fixed-big-ad-top-asset', slot: 1, fold: "above"}); Bradley Cooper is gearing up to star in Paramount’s new G.I. Joe film. He’ll be playing Duke, the leader of the Joes. Danny McBride is on board to direct. Further details on the project have not yet been revealed …Copyright © 2026, ABC Audio. All rights reserved. Thank you for reading kmaland.comAt KMA, we attempt to be accurate in our reporting. If you see a typo or mistake in a story, please contact us by emailing kmaradio@kmaland.com.
Kingdom Come: Deliverance Dev Hopes GTA 6 Will Encourage Studios to Charge More for Their Games
Warhorse co-founder Martin Klima wants GTA 6 to “blaze a trail” for higher game prices.
Ally of Spanish PM threatens to derail housing decree as fury over evictions grows
Spain's leftist government faced a bruising battle in parliament on Friday after an allied party opposed its plans to tackle a housing crisis stirring public protests, particularly over the eviction of an 87-year-old woman.
A fact-checked guide to Trump's talking points and falsehoods at midterm rallies
President Donald Trump is hitting the campaign trail to support Republican candidates in toss-up races that will determine which party controls Congress for the final two years of his presidency. Here’s a list of more than two dozen go-to Trump statements and how they square for accuracy.
Centre County Teen Expanding Food Truck Business to Brick-and-Mortar Cafe
At just 16-years-old, Alexa Cowher has owned and operated Joelle's Sips and Bites, an Aaronsburg-based food trailer, since June. Cowher serves everything
Rome Chamber of Commerce to hold train ride fundraiser
The Rome Area Chamber of Commerce will hold a Fall Mingle Train Ride fundraiser on the Adirondack Scenic Railroad on the evening of Friday, Oct. 16, according to Chamber officials.
Rock Entertainment Group names new chief commercial officer with Blue Jays, Trail Blazers experience
Galen Davies takes over the role after Allison Howard moved her focus to leading the Cleveland Sirens’ business operations.
Roma-Endrik trail heats up ahead of January move
Endrick has chosen to stay at Real Madrid for at least the first part of the season, postponing any decision on his future until the January transfer window. This decision came after a crucial meeting...
Wales vs Norway – Predicted lineup and team news
Wales are set to take on Norway in their third UEFA Nations League group-stage clash this Thursday at Cardiff City Stadium, hoping to get back on the winning trail after a difficult start to their cam...
September Monthly Review: Health MCP Guy?
For all the time I spend talking about APIs and data exchange, this newsletter has had embarrassingly little interoperability of its own. It’s old-school SaaS, baby - UI or bust. Not all of that is my fault! Substack, for all its popularity, is (as mentioned before) really frustrating as my system of record. The primary user it optimizes towards is the reader, whose attention feeds the app, the Notes feed, and the recommendation network that Substack is actually selling. Health API Guy is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe They’re falling into the same trap that Medium once sprinted into, albeit at a much more glacial speed. Younger generations may not remember (or never knew) it, but Medium once lured publications like The Ringer and Signal v. Noise onto its platform, only to lose them as it rebuilt itself around a paywall and an algorithmic feed. Substack’s original pitch circa 2020 was the antidote (you own your list), but every new feed feature chips away at it. I get it: writers are generic supply in the eyes of the Substack product team. Generic supply follows demand, so the consistent pressure on the PMs is to generate demand, which leads to every product cycle going toward discovery (Notes, recommendations, the app, live video). The end result lackluster author tools (laggy and broken analytics are truly crippling) all despite the premium price point. The archive is where it crosses from authorial gripes to actual reader impact, though. Across Substack and LinkedIn, I’ve published 1,218 posts and nearly 900,000 words since 2018. Substack’s native search can see only the 464 posts that live on Substack, and even there it’s woefully inadequate at surfacing relevant content (even for the guy who wrote it)! Readers have the same problem, writ large. Ask the Archive Fixing search (for both my readers and my own use) turned out to be extremely non-trivial, unfortunately: There’s no public API for readers to access content RSS exists for new content notification, but it only carries the 20 most recent posts and cuts paid ones off at the preview The only Substack MCP is an admin tool for analytics The export exists for authors, but it’s painfully awkward and slow. So I built something to work around that: the Health API Guy MCP. It’s a private MCP server holding the full text of everything I’ve written across Substack and LinkedIn. Add it to Claude or ChatGPT as a connector and you can ask things like: It pairs keyword search (for acronyms and case names, of which we have many) with semantic search. Every post is also labeled by topic, form, and court case, so you can pull a lawsuit’s (or multiple cases’) entire docket across Substack and LinkedIn in one query: Hail, Healthapiguyhydra This is also a bit of me eating my own cooking. I’ve spent the year arguing that headless healthcare is arriving and that developers want primitives over abstractions. Last week in Hail, Benihydra, I watched Salesforce plug its platform into Claude and bet that the records underneath outlive whatever interface sits on top: Salesforce must believe that the Hydra’s immortal head is the records, permissions, and business logic (in that they will survive whatever happens to the interface). It felt a bit hypocritical to keep my own archive behind a Substack search bar. The archive is the body. Substack is one head, and now whatever tool you might use is another. Will the EHRs follow my lead? Probably not imminently, but one can hope! Why Founding Members Only The MCP is available to Founding Member subscribers. A few reasons: It costs money and time to run. Hosting, the database, Clerk usage and AI compute for search and labeling are significant operational costs (that increase with usage). Substack gives me no way to automate access. There’s no API to check whether someone is a paid subscriber, so every user is manual operations for now. It’s a beta. We’ll need to improve things and parts will break. I’d rather they break for a small group of dedicated readers who will tell me about it. The Founding tier deserved a real benefit. Until now it was mostly a generous tip. Now it comes with something. If you’re already a Founding Member, reply to this email with the address you’d like provisioned. If you’re not and want in, upgrade here. Larger teams (such as companies) can get access too: group subscriptions at the Founding tier come with the group discount. The admin for the subscription can reply with the list of addresses to provision. Get 20% off a group subscription Pricing Founding membership is now a flat $200 a year, replacing the old suggested $150 that readers could adjust. Existing Founding Members will have access grandfathered in at their previous rate. Month in Review Articles Published Make Networks Dumb Again (Sep 11): AI is making old analog networks cheaper to use and flooding them with machine traffic in the process. A plea for agent-native rails with the intelligence at the endpoints, and for Washington to drag them to ubiquity. Interoperability, Unbuttoned (Sep 29): Interoperability is a series of workflows in a trenchcoat, and this post finally takes the trenchcoat off. A color-coded map shows which provider workflows went digital, which are fragmented, and which still run on fax. Video Content Antitrust’s System of Record Problem (Sep 3): The FTC’s investigation into Epic prompted a ninety-minute webinar, now posted with chapters and a smoothed transcript. We get into why market definition, missing B2B share data, and the SSNIP test leave antitrust poorly suited to systems of record, plus why information blocking may be doing more than any pending lawsuit. The Information Exchange: Cerner Milking Edition (Sep 18): This was so fucking fun. Ryan Tucker, Ryan Brickner, Brad Thorson, and I try an Around the Horn format, complete with points, penalties, and a mute button. We debate whether Oracle Health is dead, who would actually buy Cerner (IBM enters the chat), p(Doom), and why the front desk still hands you a clipboard. Regulatory Ask Not What Your Network Can Do (Sep 23): CDC’s RFI on public health data intermediaries lists use cases already served, unevenly, by eCR, lab reporting, IZ Gateway, and syndromic surveillance. The real opportunity sits in one question about AI: a network that can handle the next emergency without another interface project. Court cases Particle v. Epic: The Naughty Schoolteacher (Sep 4): After a summer-long vigil, the answer on Epic’s early summary judgment bid is two paragraphs and a remedial assignment. Particle advances to the next grade, and market definition gets another year of discovery. The Epic Discovery Files (Sep 8): Texas’s motions to compel arrive with a 251-page appendix of requests, objections, and meet-and-confer letters with Cravath. Inside: Epic using generative AI for document review, denied interoperability requests in scope, and Noerr-Pennington raised against lobbying discovery. Epic v. Health Gorilla: “Working as Designed” (Sep 9): Epic wants nothing to do with the data breach MDL, and explaining why puts fresh discovery on the public docket. The spiciest allegation: Health Gorilla told GuardDog to scrub its law firm business from its website instead of cutting off access. Veeva v. Epic: Legal Bypass Surgery (Sep 15): Veeva asks the Wisconsin Supreme Court to skip the Court of Appeals, while law professors and three policy groups line up as amici. Meanwhile, Epic’s lawyers apologize for another round of citation errors, including a quote that never existed. Texas v. Epic: Behind the Black Bars (Sep 17): The court portal served up Epic’s unredacted filings, revealing a $5 million document review budget and the AI workflow behind it. Also inside: the 200-plus company names Texas wants searched, and one very expensive Zoom invitation. OpenEvidence v. Doximity: Consequences Will Follow (Sep 25): OpenEvidence tells the court it will not comply with a discovery order, and its own lawyers at Quinn Emanuel say they won’t defend the choice. Add years of Slack reported unrecoverable, and Rule 37 sanctions come into view. Health Tech Keeps Choosing Violence (Sep 28): Doximity moves to end OpenEvidence’s case, Epic asks Texas to show its work, and a sleepy Audacious Inquiry patent fight sprouts antitrust and information blocking counterclaims. The main event is a long-sealed Cognizant v. Infosys ruling that hints where system of record antitrust claims can survive. EHRs One Verb for Oracle Health (Sep 14): Oracle’s earnings call quantifies every data center to the decimal point, while Oracle Health gets a single verb: “accelerate.” Panning the few healthcare mentions turns up an agentic care management system, a research-to-care ledger play, and the question of whether healthcare gets Larry’s patience. Epic’s Forretress Under Siege (Sep 30): Judy Faulkner tells a panel Epic paused hundreds of projects to harden its software and calls it a “shame,” while a spokesperson insists the roadmap hasn’t changed. Project Glasswing, a Pokémon-branded QAN sprint, and a trove of Jodel grievances reconcile the two Epics and preview the Jevons paradox coming for all software. Industry Analysis Scanning for a Network (Sep 1): Scan.com raises $220M to build the imaging network labs never got, speedrunning Zocdoc’s consumer-to-B2B pivot. Its wedge to network density may be the most American one available: personal injury litigation. The Front Desk Wants the Damn Whole Building (Sep 16): Hello Patient buys Converse Health, pushing its AI front desk into referrals, chart work, and prior auth. The copilot categories keep blurring, and your distribution partner is still your final boss. Cross-industry Comparisons A Different Patchwork Quilt (Sep 10): Healthcare loves to envy open banking, but the US version has no mandate, a toll booth at Chase, and data quality problems of its own. The grass isn’t greener; it’s another American patchwork quilt, and perhaps a worse one. Hail, Benihydra (Sep 21): Salesforce brings its platform into Claude, Slack, and its own agent, inviting the interfaces that might replace it. Cut off one head and more grow back, so long as the records underneath stay put. Living on A Trade Secret Prayer (Sep 22): Six credit unions are suing Fiserv, the Epic of core banking, by claiming their own member records as trade secrets. Banking has no Cures Act, so its lawyers reach for legal alchemy that healthcare has already tried. Other News None this month External Media Nabla Accelerate NYC: I kicked off fall conference season at Nabla’s Accelerate event in New York, where Delphine Groll opened by asking the room to picture the company it wants to become and the one it doesn’t. I liked her framework of bureaucracy, fear, and ego as the blockers. I also love vendor conferences/events in general - different vibe than industry biggies. Healthcare 101 with Nikhil Krishnan: I briefly guest lectured Out-Of-Pocket’s Healthcare 101 class. Appreciated Nikhil’s takeaways cover whether AI doctors can query HIEs, why healthcare’s data-liberation rules beat most industries’, and the hi-res graphic is in the comments. HCN: Epic Probed by the FTC: I joined the HCN guys to talk through the FTC’s investigation into Epic. Cedric’s new hairdo was an unexpected plot twist. The episode also covers MFN drug pricing, healthcare M&A and Eli Lilly’s acquisition streak. Fall Conferences: At eHealth Exchange’s Annual Meeting in Austin on Oct 27, I’ll moderate a panel on the tensions between AI, HIEs, and timely patient access with Jean Ross (Primary Record), Therasa Bell (Kno2), Byron Crowe (Doctronic), and Michael Marchant (Freenome). Here’s the rest of my schedule if you want to meet up: CommonWell (Redwood Shores, CA): Oct 13-14 Will be participating in a fun Jeopardy event Open@Epic (Madison, WI): Oct 20-23 Will be enjoying Verona, Willy Street, and other local adventures eHealth Exchange and Sequoia Project (Austin, TX): Oct 27-29 Yeehaw HLTH (Vegas): Nov 15-18 Groundhog Day, Venetian Edition RSNA (Chicago): Nov 30-Dec 2 See me at “Governing AI in Breast Imaging: What Health Systems Are Actually Doing” Digital Health Counsel 2026 AI Summit (Seattle): December 2-3 Will likely be speaking to a bunch of lawyers about information blocking Posts I Liked ChatGPT’s Epic integration: game changer or nothing burger?: Joshua Liu, MD offers five thoughts on OpenAI’s Epic launch, starting from the point that it rides the same open APIs available to anyone. He argues read-only access leaves ordering to Art and the ambient startups, and asks why HCA is piloting it alongside Commure. He’s sorta a must-follow at this point - consistently excellent, thought-provoking takes. Epic, Lilly, and the Discovery pass: Seth Chaney reads Epic’s first major Discovery deal (with Eli Lilly), as well as its revised developer terms on commercial displays, as the pipe finally opening between EHRs and pharma. Life sciences and health continue to collide. Scott Rossignol on EHR payer platforms and ePA fees: Scott argues the top ambulatory EHR vendors are turning the prior auth mandate into a per-member-per-year toll on payers, for an API whose operating cost has nothing to do with covered lives. His fix is two lines of regulatory text: put the CRD/DTR/PAS certification criteria in the Base EHR definition, and bring payer-facing ePA connectivity under § 170.404’s cost-based fee rules. It’s a good solution. Health API Guy is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe
Barcelona fear international break could derail Hansi Flick’s flying start
Barcelona entered the international break in excellent form, but the pause has brought a familiar concern for Hansi Flick.According to SPORT, there was already a feeling inside the club that the huge ...
Sports/Rec calendar: Oct. 2–11, 2026
Upcoming recreation opportunities and college and prep sports
Damian Lillard Just Put Portland’s New Backcourt on the Clock
Damian Lillard and Ja Morant form a high-octane partnership, forcing Portland to balance two elite playmakers. Success depends on Morant’s pace unlocking Lillard’s lethal off-ball shooting potential.
Hands-On: G-SHOCK Reveals The MRG-D5000 “Blue Rose Project” In Sapphire
The most expensive G-SHOCK to date might come as shocking news, but it's not entirely out of the blue.
Pokémon Space Trail and Merchandise Land at the Science Museum
, , , , • Created in partnership with the European Space Agency and The Pokémon Company International, the free-to-visit Pokémon Space Trail invites curious visitors of all ages to explore the Science Museum in London and discover more about space science in a fun, accessible way., , , , , • Visitors can seek out Pokémon across the museum, take part in special Pokémon GO activity and browse Pokémon merchandise inspired by the partnership with ESA in the Science Museum shop. , , • The Pokémon Spa...
Looking at the Ugly Side of the Paramount-Skydance Merger...And How I’d Fix It
A Message from Our Sponsor Certified Fresh with 100% on Rotten Tomatoes, FX’s Adults is an ensemble comedy series about a group of twenty-somethings in New York leaning on each other to navigate love, work, friendship and family. Don’t sleep on “The Sitcom of the Moment” - Awards Buzz All Episodes now streaming on Hulu on Disney+. Watch The Teaser Trailer... (Welcome to the Entertainment Strategy Guy, a newsletter on the entertainment industr(Welcome to the “Most Important Story of the Week”, my bi-weekly strategy column analyzing the most important (but often not buzziest) news story of the last two weeks. I’m the Entertainment Strategy Guy, a former streaming executive who now analyzes business strategy in the entertainment industry. Please subscribe.) Before we dive in, I wanted to congratulate Broadcast Now for being the first to report that Netflix’s How to Get to Heaven from Belfast has been cancelled. (I saw this in a write-up by Kasey Moore of Whats-On-Netflix.) More importantly, I wanted to note that, as of yesterday, none of the other trades had reported the news yet. I have half a guess that eventually one of them will report this. Anyways, it’s time to take a break from my deluge of streaming ratings reports to continue my analysis of the Paramount Skydance Warner Bros. Discovery (PSWbD) saga. As I noted last week, a lot of times when folks use the (sometimes cliched) “the good, the bad and the ugly” framing for an article, “the ugly” section is just more bad. Or very, very bad. In this case, yeah, I do think it’s ugly. In more than one way. Unfortunately, we’re only going to have time to tackle one of those ways today: the ugly pile of debt to finance this deal. (In a future article, I may cover the entire process for how it went down, which was very, very ugly.) Last issue, I explained why I liked this deal in a vacuum. Unfortunately, “vacuums” don’t exist outside of space. Let’s dive in. Subscribe Most Important Story of the Week - The Ugliness of the Paramount/Warner Bros. Merger More than one person sent me a note speculating that the big problem with Paramount Skydance buying Warner Bros. Discovery is the “Warner Bros.” portion of the deal. In fact, that’s a take I read a lot about Warner Bros., ever since they caught Netflix’s, and then Paramount-Skydance’s, eye. In short, multiple companies (Time, AOL, AT&T, Discovery) have bought and then regretted buying Warner Bros. Since it’s nearing Halloween, you could almost say it’s like the folks think WB is cursed! It’s a haunted studio—like the town of Derry in movie studio form—and whoever takes possession of it will fall into misery! Yet...I just don’t like that story, because it doesn’t explain the “why” behind why those deals fell through. Especially when Warner Bros. has continued to succeed as a TV and film studio in the intervening two decades. Lord of the Rings? Harry Potter? Game of Thrones? Everything HBO? Considering it never fully owned a broadcast TV channel, this media company has done pretty well. So what went wrong? Well, in recent years, companies bought Warner Bros. instead of the other, smarter option. Explaining POCD (And Applying It to Mergers & Acquisitions) As I explained last issue, one of my favorite frameworks is the POCD tool for evaluating venture capital investments: People Opportunity Context Deal The bar to invest as a VC is high. (Or I might say “was” since cheap interest rates made life easier last decade.) You review a thousand prospectuses, get pitched by a hundred, and invest in the ten best, with the hopes that one of those ten would pay for the rest. That means every element of a deal needed to pay off: you needed the right people running the companies, who could capitalize on the right opportunity, in the context of an industry that was ripe for disruption. If you could then not overpay, you could make some money in a smart deal. The analogy isn’t perfect here, but close enough. For a merger or acquisition to work, you need the combined company (which is the opportunity) to make more than the price you need to pay (which is the deal). Note: the people and context still matter, but with M&A, it’s a little more straightforward: does the opportunity exceed the cost? And usually with Warner Bros., it hasn’t. If you want to find out the single biggest mistake made by the Warner Bros. suitors over the last few years (and my simple fix) become a paid subscriber. I’ll also touch on who I think Paramount-Skydance could (shockingly) consider buying next, TBD, and more. Sign up here.
Is Trump a Help or Hindrance on the Campaign Trail? Republicans Are Still Deciding
As President Trump hits the trail this month ahead of the midterm elections, Republican candidates face a key question: Should they choose to campaign alongside the unpopular commander in chief or stay away? “I thought I was finished campaigning, but in order to help Republicans – because we need ...
The Daily Roundup: Montana EMS Agencies Receive First Funds from Federal Health Program
The results are in: this year’s Great Fish Community Challenge was a record-breaking one, with 4,000 donors accounting for a total of $8.6 million going to nonprofits across the Flathead Valley.
Pumpkins, Wetlands And A Little Halloween Science
This weekend visitors to the annual FallTastic Trail Walk can participate in a science experiment that combines festive fun with environmental learning.
Blazers Shake Up Roster During Camp
The Blazers added depth by signing high-energy wing Jaylen Martin to an Exhibit 10 deal, eyeing a potential G League spark as they refine their preseason rotation.
Democrats block data centers bill, derailing Senate GOP bid to act on affordability ahead of midterms
Senate Democrats on Wednesday blocked a GOP-led bill to combat rising energy costs driven by the data center boom, thwarting a last-ditch effort by Republicans to show they are taking voter concerns about affordability seriously.
Warriors' Steph Curry Provides Health Update After Knee Injury Derailed 2025-26 NBA Season
Stephen Curry is optimistic about the state of his knee following the Golden State Warriors' first training camp practice on Tuesday.
Story Circle Event Set For Oct. 3 In St. Johnsbury
ST. JOHNSBURY — 560 Railroad Community Artist and Vermont Studio Center alum Lori Lee will facilitate a story circle event titled Community Stories: Stories the Town Keeps, on Sunday, October
Arnold Schwarzenegger is Santa in Prime Video's 'The Man with the Bag' teaser trailer, coming this Christmas
Schwarzenegger stars alongside Alan Ritchson in this holiday heist movie premiering on Prime Video December 2.
California high-speed rail fails to accomplish most of its legislative goals for 2026
California’s bullet train agency said timely construction of the rail line depended on these reforms. They mostly failed.
Shohei Ohtani’s injury secrecy could derail Dodgers’ championship hopes
Shohei Ohtani doesn’t have to prove how much pain he can tolerate. He already did that in the regular season. With the Dodgers set to open their National League Division...
Universe Entertainment And Culture Group (SEHK:1046) Stock Confronts Revenue Collapse And Rich P S Multiple
The market has been treating Universe Entertainment and Culture Group like a high‑beta punt, with the stock almost doubling over the past month. However, today’s full year release tells a tougher story. The business delivered only HK$120.096 million in trailing twelve month revenue while still posting a loss of HK$10.938 million from ongoing operations. Set that against a P/S ratio of 10.1x, well above the Hong Kong entertainment pack, and the headline is clear: rich sales multiples now meet...
Video Q&A: Why enrollment growth can hide years of risk for health plans
Health plans are moving past simple membership growth as the standard for success toward a model that brings pricing, network adequacy and acquisition cost information into one connected view. In this interview, a health payer strategy expert explores: Why enrollment is a leading indicator that can mask trailing risks for 12 to 24 months What […]
Dawn of War IV – Blood Ravens and Dark Angels team up in new trailer
Watch the new faction trailer now.
Surly Gates: Corte Madera’s Tale of Wealth, a Walking Path and Politics
A wealthy Corte Madera private trust claimed Alta Way, a wooded trail, as their own, but neighbors say it belongs to the community.
OKANA Resort to host first food, wine and entertainment festival
OKANA Resort & Indoor Waterpark will host its first OKANAFest Oct. 17 with food, wine, entertainment and a cooking demonstration by Christina Wilson.
Brightline Files for Chapter 11 Bankruptcy Protection
Florida rail line says move will not impact operations with new funding committed
Protecting What You Built: Six Assumptions That Can Derail an Exit from Your Business
Most owners assume the hard part of an exit is finding the buyer.
Business News: Gallet’s Return Heralds Renewed Battle For Mid-Tier Priced Watch Segment
After years of moving up in category and price, inflation overload pushes some Swiss brands and clients back to the middle.
A political veto over NIH grants could leave East Palestine in the dark
The research that serves us is exactly the kind of work that could land on a veto list.
Railroad Crossing at 10th St. & Business 83 in McAllen to close for safety upgrades Sunday, Oct. 4th
The railroad crossing at SH 336 (10th Street) and US Business Highway 83 in McAllen will close from 8 a.m. to 5 p.m. Sunday, Oct. 4, for safety upgrades.
Jack Smith clashes with senators over Trump probes, says ‘I will not be silenced’
Jack Smith returned to Capitol Hill on Tuesday to defend his derailed efforts to prosecute President Donald Trump, telling lawmakers he would not “be silenced by continued threats of prosecution” from the president.
Poll: Voting to repeal WA 'millionaires tax' hinges on ballot details
A new poll suggests an initiative to repeal Washington's new high-earners tax is trailing badly, influenced by ballot language that discloses its budget impact.
Matthew Perry’s sister says he ‘spent $7 million’ on sobriety: ‘That’s how seriously he took his disease’
Matthew Perry’s younger sister says the ‘Friends’ star ‘spent $7 million trying to get sober’ before his death at 54, in trailer for ‘The One About Matthew Perry.’
Kings’ Ben Simmons addresses critics, mental health; says he is in top form
The three-time All-Star is back after physical and mental health struggles nearly derailed his career.
Kamin Science Center kicks off 35th Anniversary with an addition
PITTSBURGH — Pittsburgh’s most visited museum — the Daniel G. and Carole L. Kamin Science Center — is marking its 35th anniversary with an addition to one of its most beloved experiences. The Miniature Railroad and Village has reopened with an exact replica of the Andrew Bayne Memorial Library in Bellevue, Pa., continuing a tradition […]
Kamin Science Center kicks off 35th Anniversary with an addition
PITTSBURGH — Pittsburgh’s most visited museum — the Daniel G. and Carole L. Kamin Science Center — is marking its 35th anniversary with an addition to one of its most beloved experiences. The Miniature Railroad and Village has reopened with an exact replica of the Andrew Bayne Memorial Library in Bellevue, Pa., continuing a tradition […]
American Infrastructure Alliance Launches First Nationwide Partnership Between Labor & Business to Advance Responsible Data Center Infrastructure Growth
The American Infrastructure Alliance (AIA) today launched the first nationwide coalition of labor and business focused on establishing responsible, enforceable guardrails for data center development at the state and local level.
Trump dines with Anthropic CEO ahead of event with tech leaders
Trump’s meetings with top tech leaders come as bipartisan concern grows over what might happen if the government does not create guardrails
Thieves steal Nvidia-branded trailer, find sand instead
Thieves stole two trucks, including an Nvidia-branded trailer, as AI hardware thefts rise. Their haul: 40,000 pounds of sand.
Thieves steal Nvidia-branded trailer, find sand instead
Thieves stole two trucks, including an Nvidia-branded trailer, as AI hardware thefts rise. Their haul: 40,000 pounds of sand.
WildBrain Unveils New Strawberry Shortcake Launches
WildBrain releases trailer for new Strawberry Shortcake series as franchise builds toward 50th anniversary with new partnerships.
Fall foliage: Science behind vibrant autumn colors
JACKSON, Wyo. — Welcome, fall! As autumn weather settles across Jackson Hole, a magnificent display of colorful foliage can be seen all over the valley. The National Weather Service previously shared a helpful infographic on social media to help explain the chemistry that makes leaves change colors at this time of year. In short, warm […]
Sea level rise reshaping California beach town and threatening rail line
San Clemente's North Beach is now split and officials have used rocks to shore up a seaside rail line. But residents say the structure is making erosion worse and more sand is needed to nourish the beach.
New 'Pokémon Winds and Waves' Leaks Fill Major Gap Left by Game Freak's Silence
Including gameplay, maps, and Elite Four character models
President of Business Operations Dewayne Hankins | 2026-27 Media Day
Watch this latest video | Portland Trail Blazers
Trump ignites outrage from political world by ‘stealing’ from taxpayers to fund ad campaign: ‘Completely illegal’
Experts rail against ‘corrupt’ use of public dollars for ‘political propaganda’ ahead of midterm elections
Reward Passes: our new progression mechanic, explained
Frozen Trail arrives October 8, and with it, a new progression mechanic we call the Reward Pass. Here’s everything you need to know about the system, and what to expect from the two Passes coming with Frozen Trail.