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ADHA shifts My Health Record to multi-supplier ops as Accenture signs new 3-year contract
ADHA moves My Health Record to a multi-supplier model as Accenture renews for three years. GPT‑6 Astra and HIMSS cyber warnings raise new governance work for CI
Final Fantasy Resonance modders have already reinstated the original mobile game's biggest icon, Ariana Grande
Final Fantasy Resonance isn't even out yet, but modders are already reviving characters from Brave Exvius, including Kingdom Hearts' Sora and Ariana Grande.
The New Office Politics of AI: Who Owns the Decision When it Goes Wrong?
As AI becomes a bigger part of incident management, organisations are facing a critical question: who is responsible when AI recommendations lead to the wrong decision? This article explores why human judgement, clear accountability, and strong governance are essential alongside AI-powered automation.
Arsenal extends their superb head-to-head record over Chelsea
Arsenal have dominated their matches against Chelsea since Mikel Arteta became manager at the club, and the Gunners extended their dominance in the fixture in their latest meeting with the Blues.Mikel...
Commission to present long-awaited Innovation Act proposal
The European Commission will present its proposal for an EU Innovation Act on September 9, with a focus on strengthening public procurement as a driver of innovation and facilitating the use of intellectual property (IP) to secure financing.The proposal was initially meant to be published in March. No explanation has been given for the delay, but it may be linked to issues with the associated impact assessment.The Commission’s Regulatory Scrutiny Board issued a negative opinion on the draft impact assessment following its meeting on January 28, and again on February 27, according to a draft of the Innovation Act published by Agence Europe.In it, the Commission lays out the steps it has taken to address the board’s concerns, including avoiding overlap with the upcoming revision of the EU Public Procurement Directives and removing a mandatory target for EU member states to increase overall innovation procurement spending.The Innovation Act, which was included in last year’s start-up and scale-up strategy, is meant to reduce barriers to bringing innovative solutions to the market and speed up the path from research to commercialisation.Central to the initiative, according to the draft proposal, is the introduction of a harmonised EU framework for the procurement of R&D services by public buyers, including pre-commercial procurement. The plans would also introduce an EU preference in public R&D procurement.“Other leading economies in the world are investing five to eight times more in public procurement of R&D than the EU,” it notes. In Europe, the lack of harmonised rules has led to divergent practices across the bloc, legal uncertainty and limited use of joint, cross-border R&D procurement, it says.Related articlesCommission postpones European Innovation ActParliament draft report adds EU Inc safeguards to prevent fraud and regime shoppingThe text highlights a lack of clarity around the valuation and monetisation of IP as another barrier to the commercialisation of research results. Currently in the EU, IP is rarely used as collateral in financing, which restricts the growth potential of innovative firms. A key reason for this, according to the Commission, is the absence of a harmonised methodology for valuing IP.To address this issue, it plans to introduce an EU-wide IP valuation framework, a digital marketplace for commercialising IP, and a competence centre to help innovators access IP-backed finance.The issue was highlighted by a recent report by the European Union Intellectual Property Office, which referred to developing a “functional market for IP-backed finance” as a “core competitiveness imperative for the next decade,” and key to ensuring capital unlocked by other EU initiatives reaches innovative firms.The Innovation Act is one of several ways the Commission hopes to reduce fragmentation in the single market and help innovative companies to scale in Europe, complementing other initiatives such as the EU-wide corporate regime, dubbed EU Inc.The leaked draft is not the final version that will be published on September 9, according to a Commission official.
NASA Shares Workplace View That 'Can't Be Beat', Internet Reacts
Astronauts Jessica Meir and Sophie Adenot recently stepped out into the vacuum of space to carry out maintenance on the exterior of the ISS.
Cincinnati Council returns from recess. Here's what's on the agenda
From surveillance technology to nuisance bars to parking lot security, here are a few of the ordinances, motions and discussions to expect at City Hall over the next few weeks.
Why AI Governance is Now a Board-Level Business Priority
With AI adoption outstripping governance, ISACA research highlights rising pressure on leaders to ensure systems are secured and backed by skilled teams
Opinion: Revaluation delay sacrifices businesses without fixing Hartford’s finances
Hartford Mayor Arunan Arulampalam wants to delay the city’s property revaluation as shifting home and office values threaten its financial stability.
UK business group urges smaller state pension increases ahead of budget
The British Chambers of Commerce has urged finance minister John Healey to replace Britain's pension so-called "triple lock" with inflation-linked increases ahead of his first budget, saying the savings could help boost youth employment and growth.
The core anti-Pangram constituency is phony writers
Welcome to The Closing Argument, our verdict on the news, plus everything The Argument published and appeared in this week. The Verdict, by Kelsey Piper A lot of people hate AI for drowning the internet in slop and displacing human creatives. You might think that these people would be thrilled by a program that can identify and flag AI-generated work. But many people who hate AI also hate Pangram, an impressively accurate AI detector that produces very few false positives, according to high-quality independent research. This loathing found its most recent expression in a bizarre Wired article that amplifies a wide range of false arguments from Pangram skeptics: that AI detectors are racist (they’re not) or ableist (they’re not)1 or don’t work (this one does)2. Rather than starting from the premise that it would be really valuable to have a working AI detector and scrutinizing Pangram to make sure it lives up to that promise, the article starts from the premise that Pangram obviously has bad vibes and sets out to discover why. (One answer: The CEO microwaved lunch during an interview!) Why aren’t writers who resent Pangram more eager to distinguish themselves from posters who are having ChatGPT ghostwrite all their work? There are a few different things at play, but I think one key dynamic is this: These are often the same people. A core constituency for arguments like Wired’s is “writers” who are using AI to write their posts but resent this fact being made public. They stand to lose from AI detectors because AI detectors call them out. Share When Substack announced a partnership with Pangram, a sizable fraction of the platform’s authors rose up in outrage. Some people had experience with other AI detectors that didn’t work, and some felt that AI writing ought to be encouraged — both of which are fair enough. But the fury was fueled by authors passionately insisting that Pangram kept wrongly accusing them on almost every post they published. Pangram can be wrong, especially on short passages. But in the overwhelming majority of cases where Pangram looked at a whole blog post rather than a single paragraph, the program correctly detected work as AI. Even if we can’t be 100% sure in any individual case, we can notice the trend in the aggregate. Wired quotes Sam Illingworth, a professor of critical AI literacy at Edinburgh Napier University, who said, “I don’t think [AI detectors] work. … I think that detectors are prejudiced against certain people.” This spring, he said that he used AI for research and editing; this summer he acknowledged that in addition to research and editing, he also uses it “now and then for a turn of phrase I keep.” Pangram informs us that most of his posts are 100% AI-written (some are mixed AI-and-human) and that 100% AI-written posts started appearing last year. The favorable interpretation is that, as someone whose recent work Pangram consistently mistakes for AI, Illingworth sees Pangram’s flaws firsthand. The unfavorable interpretation is that the tool’s credibility trades off against his own, because its account of who writes his posts is not consistent with his. Illingworth is not alone in insisting the detector does not work. “It’s a Monday night in late July, and I’m pasting my own Substack draft into an AI detector for the first time. Not because I’m worried. Because I’m curious. I wrote every word of it myself, the way I write everything, out loud in my head first, in a rhythm that still carries the accent of a language I learned to think in before I learned to write in this one,” begins one Substack post by an author indignant that Pangram flags her writing as AI. “That’s the part I had to sit with before I could write this.” If you, like me, have worked with AIs a lot, you won’t even need Pangram there. The author of that piece is AI. It is obviously AI! I checked 10 other posts on the blog, and they were also obviously AI! “I have spent 22 years as an award-winning author and essayist. And now this bullshit tool that learned from MY writing is going to accuse me of plagiarism,” popular Substack writer Carlyn Beccia wrote in an anti-Pangram post. “For the last and final time, AI DETECTORS DO NOT WORK.” Here’s what her writing sounded like in 2020: “Most success stories revolve around one person who believed enough in you to say — give it a try. We call these people muses, but they are so much more than that. They are the strong man giants whose shoulders we stand on so we can see the horizon. Throughout the editing process, I am sure my editor felt less like a giant of greatness and more like Atlas with the world on her shoulders.” Pangram says it was 100% human-written. (So were other articles of hers in 2020.) And here’s what it sounds like now: “And then there is the reshuffling, which sounds like paperwork until you remember that empires have always loved paperwork. The Trump regime recently moved special education oversight from the Education Department to HHS. That is not a minor bureaucratic transfer. It changes the frame.”3 Pangram says this is mostly AI. I am not convinced that Pangram is wrong. In my own experience, Pangram is very effective on long texts — if it marks a long essay as AI, the essay was either written by AI or deliberately written to sound like AI. On tweet-length or paragraph-length texts, it’s not perfectly reliable. It seems to work just as well for non-native English speakers as for native speakers. While I have seen dozens of claims of pre-2022 text returning a positive result on Pangram, I have tried repeatedly to corroborate those and have never once succeeded. To be clear, I’m absolutely not saying that complaining about Pangram suggests a writer is a cheat. There are plenty of other concerns. Most are mistakenly premised, such as the false claim that Pangram trains on work you put into it, but others are reasonable: It’s unreliable on sufficiently short text segments; it creates an internet witch-hunt mentality when there are defensible uses of AI; people who are open about their AI use are sometimes blamed, when the only people really doing something wrong are the ones who hide it; and it isn’t perfect, so a single positive result shouldn’t be taken as decisive proof of misconduct. I’m happy to concede that Pangram is imperfect and possible to over-rely on. If an author’s posts are mostly non-AI and one scans as partially AI, this could be a mistake. It’s also possible to defeat Pangram with intentional effort. If you think we need something more robust and more reliable, fine! But if you don’t like AI and don’t like Pangram, your attitude really ought to be that it’s a shame that our existing tools for AI detection are imperfect, and it’s important to invent better ones. If your stance is instead that AI is evil and so is looking for AI, then ultimately you’re contributing to the sloppification of the internet. You’re making it harder for people who write their own text to distinguish themselves, and providing cover for authors who are definitely not writing their own text. Subscribe Top stories this week, by Kobe Yank-Jacobs Commentators often worry that the decline of reading could mean the decline of liberal democracy — but deliberative governance actually predated widespread literacy. This week, Maibritt Henkel pointed out that many liberal cultures thrive on a culture of raucous, interactive debate, which can happen in-person as easily, if not more so, than in text. Read on, dear reader, to learn more. It may actually cheer you up: [ ](https://www.theargumentmag.com/p/reading-wont-save-liberalism) [ Reading won’t save liberalism ](https://www.theargumentmag.com/p/reading-wont-save-liberalism) Maibritt Henkel · Sep 1 [ Read full story ](https://www.theargumentmag.com/p/reading-wont-save-liberalism) It used to be bad to downplay climate change (if we mean denying its reality). Today, it’s actually good to downplay climate change (if we mean keeping the issue out of political fights so we can make real progress). This counterintuitive view is called “climate hushing,” and contributor Alex Trembath argued that it’s the key to enacting good policy going forward. Get up to speed on the latest in climate politics: [ ](https://www.theargumentmag.com/p/we-wont-stop-climate-change-by-talking) [ We won’t stop climate change by talking about it ](https://www.theargumentmag.com/p/we-wont-stop-climate-change-by-talking) Alex Trembath · Sep 2 [ Read full story ](https://www.theargumentmag.com/p/we-wont-stop-climate-change-by-talking) Canada’s Prime Minister Mark Carney is standing up for the forces of liberalism against Donald Trump’s assault on our closest ally. So, why is one prominent left-wing commenter attacking Carney? Columnist Matthew Yglesias explains: [ ](https://www.theargumentmag.com/p/when-economic-liberty-means-central) [ When "economic liberty" means central planning ](https://www.theargumentmag.com/p/when-economic-liberty-means-central) Matthew Yglesias · Aug 31 [ Read full story ](https://www.theargumentmag.com/p/when-economic-liberty-means-central) 🌟Abundance Wins of the Week🌟 Shout out to my home state of California, whose legislature passed two housing bills this week. One requires a housing density minimum in transit-oriented areas of the state’s most transit-rich cities (Los Angeles, Sacramento, San Francisco, Oakland, San Jose, San Diego, and Long Beach). Another bill closes two common loopholes used by third parties to delay housing projects, including an opportunity to challenge maps of a given lot created by the developer after a project has been approved. Shout out to our big-state rival, Texas, where pro-housing SB 785 took effect this week. The new state law requires municipalities to have at least one district permitted for manufactured housing without a special permit. This will promote zoning changes in 44% of municipalities. The company Fervo Energy signed a deal with Google for what is set to be the world’s largest enhanced geothermal facility, proving a technology can work at a scale that could be crucial to a decarbonized, energy-abundant economy. Share Worth watching… This week, forecasting legend Nate Silver joined Jerusalem, Matt, and Jeremiah on a crowded episode of the pod. It was a party. And speaking of parties, our round table debated the factional lines within the Democratic Party: Is it possible to be center-left and also anti-establishment? Watch or listen to find out: The Rio Grande Valley in Texas is one of the areas that swung hardest toward Trump in 2024, but musician Bobby Pulido is running to flip it back. Right now, The Argument/Split Ticket’s model has him running 1.1 points behind his Republican opponent in a district Trump won by 18 points. Tune in to find out how he differs from national Democrats and what he thinks he can to do win this seat. On Thursday, Bernie Sanders was among the first politicians to call for a ban on superintelligence. My guest this week, Andrea Miotti, has been lobbying to ban superintelligence for several years, most recently in the U.K., U.S., and Canada. I asked him how he gets legislators to take speculative risks seriously, and we dug into what plans might look like to actually pass a ban. Listen to learn more: What’s News with The Argument The Argument recommends, by Kobe Yank-Jacobs If we ever lose track of Justin Zuckerman, I’ll have the team split up and check all the movie theaters in the city. I’m shocked (and a little jealous) at how often he gets out to see good cinema. This week, he brings us It Ends, a “horror-ish movie,” which he described as a “Gen Z Waiting for Godot.” I was intrigued before he added that it was “funny, dark and existential” — at which point I was fully locked in. I guess I also had existential themes on the mind this week. One morning, a single line from a poem I read long ago just came to me: “Is death a stretch of time in which a life is just a flash?” The poem is called “From 20,000 Feet” by Heather McHugh. I suggest the version in The Vintage Book of Contemporary American Poetry, which, by tradition, my best friend and I always bring backpacking, extra weight be damned. We’ll stay thematically dark for just one more rec from senior editor John Robert Thomason, whose upcoming trip to Baltimore reminded him to suggest Michael Clune’s memoir White Out (about being addicted to heroin in Baltimore in the 1990s). Ben Lerner’s blurb called it _“_Disturbing, brilliant, hilarious—it’s as if Proust had written Jesus’ Son.” John told me this “seems accurate, with the caveat that I’ve never read Proust.” I, personally, have also shelved Proust until retirement. At this point, I was a little concerned for the team since all of us tossed out such psychologically grim material — maybe we’re all down about the end of summer — but thankfully, at least a few of us were into more upbeat selections. Milan Singh recommended Made In’s 5-quart stainless clad saucier, suggesting he had some fun in the kitchen. Jeremiah Johnson asked if he could recommend yet more Carly Rae Jepsen. Once denied, he offered up Game Changer instead_,_ calling it “the most wildly creative game show, maybe in the entire history of the genre.” Eli Richman mentioned _Lucky, “_a B-tier show with an A-tier cast and an S-tier theme song.” I suppose he was recommending the song, Horns of a Bull. Still, despite these cheerier recs, I couldn’t help but be concerned that we were subconsciously worried about racing toward summer’s end — the end of swim trunks and splashing around. Then a message landed reminding me of the three-day weekend to come. A whole extra day for sunshine. One more swim in the lake. I was grateful this called to mind yet another line from a poem, one by Mary Oliver, the patron saint of every gorgeous summer day (and about whom a documentary is now out). Speaking to God in the poem “Thirst,” she wrote: grant me, in your mercy,a little more time. Love for the earthand love for you are having such a longconversation in my heart. We have merch! We have quarter-zips, keychains, hats, and stickers. Each one is a great conversation starter in its own way. Buy them here. Subscribe More to read: [ The Opening Argument ](https://www.theargumentmag.com/p/seeing-like-an-elite)[ Seeing like an elite ](https://www.theargumentmag.com/p/seeing-like-an-elite) Kobe Yank-Jacobs · Sep 4 What do Americans hear when they watch Sen. Bernie Sanders or Vice President JD Vance rail against the elite? Are they thinking of right-wing tech billionaires? Imperious college professors? Liberal magazine writers? [ Read full story ](https://www.theargumentmag.com/p/seeing-like-an-elite) [ The Weekly Scroll ](https://www.theargumentmag.com/p/god-is-back-on-the-timeline)[ God is back on the timeline ](https://www.theargumentmag.com/p/god-is-back-on-the-timeline) Jeremiah Johnson · Sep 5 This week, we’re talking about Substack’s new religious debates, the continuing MAGA influencer scandal, how to retire from YouTube, and aura battles. [ Read full story ](https://www.theargumentmag.com/p/god-is-back-on-the-timeline) 1 This was a legitimate thing to worry about, but doesn’t seem to be a problem given the actual technology: Marijke Van Vlasselaer, Filip Van Droogenbroeck, and Bram Spruyt’s 2026 paper looks at whether Pangram is less accurate when evaluating the work of non-native speakers of English. It isn’t. That’s because Pangram isn’t really looking at how “unusual” a piece of writing is but whether it has the characteristic patterns of LLMs. The Wired article makes an odd gesture at a different Pangram-is-racist argument. There were several controversies this summer during which upcoming books were canceled after being discovered to be AI-written: “The three novels mentioned earlier — Shy Girl, Daggermouth, and Call Me, easily publishing’s biggest AI-detection scandals — were all written by writers of color.” But come on! As Zvi Mowshowitz put it: “They were not primarily written by people of color. They were primarily written by AIs.” That’s the whole problem! And as my colleague Jeremiah Johnson recently observed with respect to Cambridge’s Arday scandal, a community being unwilling to call out fraud if it’s perpetuated by people of color is not an anti-racist tendency; it is ultimately quite racist. 2 Many non-Pangram detectors don’t work, but many possible airplane designs also don’t work, and no one considers this a general argument against aviation; the thing that matters is whether any detection works. 3 The phrase “empires have always loved” mysteriously became all the rage in the last few years. See here, here, here, here and here. Before 2025, the only use of that phrase I have been able to find is a single Tweet. The logic of the sentence, too, is incoherent in an AI-characteristic way. “...sounds like paperwork, until you remember that empires have always loved paperwork”? Does remembering that make it sound less like paperwork? It’s a craft-ful sentence, but what is it actually saying??
Incredible stat shows Seahawks defensive dominance against the run
The Seahawks approach the start of the 2026 season having not allowed a 100-yard rusher against them in their last 26 games.
"We truly feel this demo will dispel any kinds of uncertainty or concerns that people may have had" - Final Fantasy Resonance Director & Producer on the audience's positive reception after finally being able to play it
Director Hiroto Furuya and Producer Keisuke Nakashima spoke with us the day after the Final Fantasy Resonance demo came out, so we got to chat about their relief at finally being able to release something that people can play for themselves.
This Campaign Finance Whiz Helps Hawaiʻi Politicians Keep Their Books In Order
After 33 years with the state Campaign Spending Commission, Tony Baldomero is now working for candidates so they file “true and accurate” expense reports.
Ocean Beach Health Foundation launches $500,000 campaign for MRI in south Pacific County
ILWACO — The Ocean Beach Health Foundation has launched a community-wide campaign to raise $500,000 toward the purchase of a permanent Magnetic Resonance Imaging (MRI) system for Ocean Beach Health, […]
I help families prepare their kids for inheritance. Follow my 3 steps.
The founder of a family office shared how he speaks to his children and clients about inheritance and finances.
Analysis: Sunderland avoid ruing wasteful first half
Sunderland looked like they would rue failing to take advantage of their first-half dominance. Sunderland had so much of the ball in and around Brentford's area in the opening 45 minutes with 25 touches inside the box. Regis le Bris' side seemed stunned by Brentford's changes at the break and it took them a while to really get to grips with the game again in the second half.
The dissonance of an American Jew thinking about Israel
The Jewish High Holidays will soon be upon us. The third anniversary of Oct. 7 will then quickly follow. Three weeks later, Israeli voters will head to the polls to elect all 120 members of its parliament, the Knesset and thereby their next prime minister. It has been a couple of years since I’ve addressed […]
OKC Mexican consulate provides free health, financial programs
The Mexican Consulate in Oklahoma City is offering free health, finance and education services through three community windows. A health \
AMC Entertainment (AMC) Forms Leawood Films For Low Risk Movie Distribution
AMC Entertainment Holdings (NYSE:AMC) created Leawood Films, a new film distribution company focused on low-risk projects. The unit plans to work only with fully financed or completed films and use AMC's theater network and marketing reach. Leawood Films is led by veteran entertainment executives and intends to collaborate with established distribution partners. This move by AMC Entertainment towards lower risk, partnership driven content deals fits a broader shift many investors are...
Will AMC’s New Leawood Films Distribution Arm and Tokenized Share Dispute Change AMC Entertainment’s (AMC) Narrative?
In August 2026, AMC Entertainment Holdings launched Leawood Films, a low-risk film distribution arm based in Los Angeles and Leawood, Kansas, designed to fill excess theatre capacity by focusing on fully financed small and mid-sized titles while respecting traditional PVOD and SVOD windows. Around the same time, CEO Adam Aron’s public clash with Robinhood over tokenized AMC shares highlighted rising tensions between traditional equity markets and emerging digital trading products, raising...
Rangers’ Quantrill Emerges as Crucial Weapon in Postseason Push
Cal Quantrill’s dominance against the Tampa Bay Rays solidifies his role as a versatile powerhouse for the Texas Rangers, providing rotation stability and bullpen depth.
Final Fantasy Resonance is shaping up to be a solid experience on Switch 2, PS5, Steam Deck, and ROG Ally
We check out the Final Fantasy Resonance demo and compare visuals and performance across Switch 2, Switch 1, Switch 1 on Switch 2, PS5, Steam Deck, and ROG Ally.
Apple's Foldable iPhone Runs Into Early Trouble
Scarcity could boost hype while limiting near-term revenue
'Money Out of Politics' proposal survives legal challenge
The proposal would make major changes to campaign finance in Michigan, banning major utility companies from making political contributions.
'Money Out of Politics' proposal survives legal challenge
The proposal would make major changes to campaign finance in Michigan, banning major utility companies from making political contributions.
Sony's PlayStation disc plant is losing 10 percent of its volume in 2028, not 90
Sony’s PlayStation disc plant is losing 10 percent of its volume in 2028, not 90 Sony won’t license disc pressing to anyone else, Microsoft does, and a former PlayStation boss thinks that’s the whole problem. When Sony DADC chief Dietmar Tanzer spoke with an Austrian broadcaster in July about PlayStation disc production at the Thalgau plant, a number of press outlets misunderstood the report, writing that production would fall to a tenth of current levels. It won’t. Sony DADC confirmed to Game this week that the figure is a 10 percent decline, not a decline to 10 percent. “To clarify and avoid any misleading information: in that statement Dietmar anticipated an overall product volume decline by 10 percent, not a decline down to 10 percent,” a spokesperson with Sony DADC told Game. That figure covers 2028. Tanzer didn’t put a number on the years after, and the spokesperson declined to comment further. What we do know is that on July 1, PlayStation announced that physical game disc production for all new games releasing on PlayStation consoles will be discontinued starting January 2028 and that the transition has no impact on games that have already released in disc format or will be releasing in disc format prior to that month. “So, there will be reorders going to the market after January 2028,” the Sony DADC spokesperson said. “For details around that I would ask you to liaise with the PR team from PlayStation, as we can’t speak or comment on their behalf.” PlayStation officials did not respond to questions about reorders or other disc-related matters. But I did recently speak with Shawn Layden, Game Industry Strategic Advisor and former chairman of SIE Worldwide Studios, who called a future without physical PlayStation discs “depressing, but solvable.” then added, “I think.” The chief hurdle to third-party manufacturing of collector’s editions or any other version of a PlayStation game disc is that Sony owns the proprietary process to press those discs, Layden said. “And unless they decide or determine a way to license that to some of these bespoke disc manufacturers, there’s no way to make it happen,” he said. Layden was careful to add that he understands the concept but doesn’t have “line of sight on the particulars.” “Depressing but solvable, I think.” — Shawn Layden Microsoft already licenses replication to outside plants. Xbox discs are pressed by manufacturers Microsoft certifies as Authorized Replicators, a term defined in its publisher agreements, with the approved list set at the company’s sole discretion and Microsoft retaining the right to halt manufacture. The structure is still in place today: publishers select an Authorized Replicator in Partner Center and submit a bill of materials created with a Microsoft representative. Sony, by contrast, presses PlayStation discs through Sony DADC, its own manufacturing subsidiary. No one I spoke with said they were in discussions with Sony about doing that, and PlayStation hasn’t responded to questions about whether it would be open to a licensing deal. There is an obvious reason Sony might not want to. Niko Partners analyst Daniel Ahmad pointed it out on the day of the announcement: it’s a platform-led decision, he wrote, designed to cut costs, eliminate the resale market, and drive all revenue through the PlayStation Store. The math is not subtle. On a $70 third-party game sold through the PlayStation Store, Sony keeps $21. Sold at retail, Ahmad says, it earns about half that. Licensing disc replication to an outside manufacturer might not be worth it. And even if it were, it seems unlikely that such a deal would come from boutique companies like iam8bit, which sells collector’s editions of video games. “We would absolutely love to find a way forward to continue making physical PlayStation games,” said Jon Gibson, co-owner and co-creative director of the company. “We are big believers in giving humans the option to truly own media. If we can play a role in helping make that a reality for the future of PlayStation games, count iam8bit in!” If it were to happen, it would most likely be with a company like Conectiv Supply Chain Solutions, a Memphis-based manufacturer of optical discs and vinyl records that also runs third-party logistics, fulfillment and distribution for packaged media. The company, which was formed in 2025 when Los Angeles private equity firm Variant Equity Advisors purchased Vantiva’s Supply Chain Solutions division, traces its lineage back to Technicolor. When it sold the division, Vantiva described the business as having served video game creators for more than 25 years. Conectiv is also buying, not shrinking. Last month it acquired SDS, the distributor for Universal and Warner Bros. home entertainment, consolidating those studios’ packaged-media pipeline from pressing plant to retail shelf. I reached out to Conectiv and its CEO, but haven’t heard back. Layden pointed to music and books in our discussion about the ongoing value of physical media. “No one ever saw the comeback of cassette tape,” he said. “And vinyl didn’t so much come back. The flame went down, the fire’s dying, but the ember was always there, and it just kind of came back. Much like the book business. We thought we’d all be on Kindles right now. “I believe that physical media is crucial and important. One of the things that makes us gamers, one of the core game mechanics, going back to the beginning of time, is collecting stuff. “Did you get all the diamonds in Crash Bandicoot? Did you get all the stars in Mario? And we like to collect our games. And we have a game shelf. And we put all our boxes up there. And if you’re super hardcore, when you buy a game, you buy two copies, right? One stays in the shrink wrap, and you play the other one. What happens to that important cultural part of the gaming world? You know, we buy the steelbook and the three-disc Final Fantasy set and the figurine and, you know, you can’t download any of that. “What happens to that?” And Layden believes it shouldn’t have been a revenue question for PlayStation. “This was a core thing to the experience of our most devoted fans,” he said. “Yeah, it’s fan service. Why would we take that away? Well, we can’t afford to. It’s already 120 bucks, you know, limited edition special purchase onyx box version of whatever, and those sell at a higher rate than the box selling at $69.99 does. So yeah, the market has said they will continue to buy them. You’re just saying you just don’t want to make them anymore.” Layden said he was recently talking with someone about these sorts of business decisions and how they’re made. Too often, he said, it’s all about the financials and nothing else. “OK, we can do this and save this much money, or we can invest this to look at that outcome, or we can do this and have this happen over there, or move this team to Sri Lanka,” he said. “But each one of those, someone also has to have a ledger there saying, ‘OK, what is the brand impact from that move?’ “Iif you can’t resell it, do you really own it?” — Shawn Layden “If we do that, dollars and cents work out. I get it. That’s just math. But what’s the brand impact? Are people going to say, ‘Good move, you guys?’ Or are they going to say, ‘We hate you guys. Quit doing that.’ And sometimes they say, ‘We hate you.’ Then you take a note and say, OK, how much of that can we live with? How much ‘we hate you’ is OK. And when does it go over the line? “I see a lot of companies making decisions which, objectively speaking, I don’t know what the dollar end of that was for you, Mr. Company, but your brand value just dropped 30 percent. So I hope it was worth it.” Of course, shifting to a digital-only model for games raises other issues beyond simply wanting to collect. The biggest is ownership. Layden pointed out that once you go to a streaming-only or download-only model, it’s just a digital footprint on a hard drive. “What does ownership mean anymore?” he said. “It’s a genuine question. Well, in fact, it’s not even a question anymore. It’s like you are shifting the model from ownership to accessibility. “And what’s always been true, which people forget, is you’ve never been able to sell your iTunes library. And you can’t sell your PlayStation download library. So if you can’t resell it, do you really own it?” The touching tribute found in the credits for Star Wars Zero Company. Resonance: A Plague Tale Legacy Interview and Hands-On with a Minoan Masterpiece Star Wars Zero Company hands-on: Attack Astromechs, permadeath, and delightfully fatal Rube Goldberg tactics Control Resonant opens up as you get stronger — and as characters start trusting you
Cuba opens business ownership to emigrants: ‘Who is going to buy what you are going to sell? How will you finance it?’
Economists say it is one of the biggest transformations of Cuba’s private sector, but question whether the legal system can protect investors
One year after its founder's death, Armani faces challenge of 'inevitable evolution'
One year after the death of founder Giorgio Armani, the Italian fashion house is entering a pivotal period as the clock starts ticking on plans for an initial stake sale, after the group spent the last year focused on governance.
Denver businesses now legally have to compost and recycle
Starting this week, the city of Denver is enacting its Universal Recycling and Composting Ordinance.
Arsenal chief executive reveals 'dynasty' ambition
Arsenal are aiming to create a "dynasty" that will see them dominate European football, according to chief executive Richard Garlick."This is a period of dominance, you could call it the start of a dynasty, this is what we're aiming to do.
City of Charleston to hold Business Finance Resource Fair
CHARLESTON, S.C. (WCBD) – The City of Charleston’s Office of Business Services plans to host a Business Finance Resource Fair on Tuesday, Sept. 15, 2026. The fair will be held from 10:0…
Meet the Fall 2026 Institute of Politics & Public Service Capitol Campus Fellows | McCourt School of Public Policy
McCourt’s Tech & Public Policy (TPP) spring 2026 visiting fellows includes experts in AI, data privacy and digital governance.
Division II equipping coaches, athletic trainers with Mental Health First Aid training
Division II governance and membership services has officially announced its collaboration with the National Council for Mental Wellbeing to better support the mental well-being of student-athletes by offering Mental Health First Aid for Higher Education training to members across the division.
Final Fantasy 7 Revelation finally gets a 2027 release date, as Final Fantasy Resonance gets a surprise demo
Final Fantasy fans have an embarrassment of riches to enjoy today, thanks to a State of Play blowout from Square Enix.
United Community Banks Inc. Announces Sale of Equipment Finance Business
United Community Banks, Inc. (NYSE: UCB) has announced the completion of the previously announced sale of its equipment finance business, consisting of Navitas Credit Corp. and NLFC Reinsurance Corp., to funds managed by Wafra Inc., acting through...
Final Fantasy Resonance: How Square Enix Turned a Dead Gacha Game Into a Must-Play Console RPG
I went into Final Fantasy Resonance expecting a lazy asset flip. Instead, I found a deeply strategic, meticulously balanced RPG.
Final Fantasy Resonance Is an HD-2D Turn-Based RPG That Brings in Heroes From Final Fantasy's Past
Final Fantasy Resonance feels like it’s walking a tightrope between being a loving tribute to Final Fantasies past while also taking the series into a cool new direction and telling its own story. Is it going to pull it off? We’ll have to wait and see, but I was very impressed by the hour I spent playing it. From the gorgeous HD-2D aesthetic to the awesome soundtrack and a battle system that can hold its own, Resonance looks like it’s doing all the right stuff.
Titans of Business honored by TBP in inaugural event
From finances to athletics to spirituality to charity and all points in between, they have made a significant impact in our community. In fact, you could even c
YouTube Gold: Appalachian State Shocks The World
The Big Ten has been a football powerhouse for more than a century, and the main driving forces of that dominance have almost always been Ohio State and Michigan. Michigan Stadium, generally known as the Big House, seats 107,601, but they can squeeze in 115,000 on a big day when the fire Marshall’s not looking. […]
Swiping MAGA right or liberal left dealbreakers in today's dating world
Smoking? Kids? Finances? Political alignment is now at the forefront for those looking for romance in today's world of dating and finding a partner.
What Happens When AI Starts Doing Business with AI?
As AI agents increasingly interact with one another on commercial platforms, firms need new rules governing what those agents can see, decide, and do. In a controlled AI-to-AI simulation covering 160 governance runs and 2,560 observations, researchers tested four governance mechanisms: information disclosure, agent autonomy, reputation signals, and structured interaction protocols. Rich, machine-readable information helped agents identify promising counterparties, while greater autonomy improved their ability to move opportunities toward commitment. Reputation signals helped agents determine which opportunities deserved attention. Rigid interaction protocols, however, reduced engagement and exchange progression. The findings suggest that firms should establish clear levels of agent authority, run bounded experiments, provide structured information and reputation signals, and design explicit handoffs from agents to human decision-makers.
NOAA announces priorities to promote science-based American seafood dominance
Today, NOAA announced priorities for advancing reforms within NOAA Fisheries to move towards regulations grounded in science that support American seafood dominance. These agency-level actions follow the Regional Priorities guidance that was released on July 2, 2026, to apply the same standard of accountability to NOAA’s own opera
ATLAS publishes first paper on Public Engagement with Science
You can’t exactly take the ATLAS experiment on tour. At 7,000 tonnes and buried 100 metres underground at CERN, it’s not easy to move. So, for more than a decade, the ATLAS Collaboration has found another way to bring the experiment to people around the world: live, interactive virtual visits with the scientists who work on it. In a recent paper published in the European Physical Journal Plus, the ATLAS Collaboration documents the evolution and impact of its flagship Virtual Visits programme. The paper is the Collaboration’s first publication focused specifically on science education, communication and outreach. It traces the programme from its beginnings as an experimental outreach effort in 2010 through its growth into a global programme – connecting classrooms in the Amazon, schools in the Himalayas and even a research station in Antarctica. Drawing on data collected between 2019 and 2025, the paper examines the programme’s reach and impact. Global reach, local connection Figure 1: World map showing the number of virtual visits across participating countries from 2019 to 2025. Cooler colours (purple and blue) are used for countries with fewer visits, and warmer colours (red and orange) for countries with more visits. (Image: ATLAS Collaboration/CERN) The core mission of the ATLAS Virtual Visit programme is to connect audiences worldwide with particle physicists and engage them in accessible discussions about cutting-edge research. While visiting CERN in person is an unforgettable experience, financial and logistical barriers can make such a trip difficult for many students and public groups. Video conferencing has allowed the Collaboration to break down these barriers: between 2019 and 2025, the Collaboration hosted 698 virtual visits, engaging tens of thousands of participants across nearly 70 countries (see Figure 1). Interactivity is central to the programme. Far from simple one-way broadcasts, Virtual Visit audience members are encouraged to engage in conversation with the scientist(s) hosting the visit. Most hosts are volunteers from the ATLAS Collaboration, who bring their diverse scientific expertise, language skills and cultural backgrounds to each visit. Where possible, audiences are paired with volunteer scientists who share their native language and cultural background, making it easier to engage, ask questions and connect with the hosts. Between 2019 and 2025, Virtual Visits were held in 19 different languages. The core mission of the ATLAS Virtual Visit programme is to connect audiences worldwide with particle physicists and engage them in accessible discussions about cutting-edge research. Constant evolution Figure 2: The number of ATLAS Virtual Visits organised annually since 2019. (Image: ATLAS Collaboration/CERN) The ATLAS Virtual Visit programme has continuously evolved to enhance the visitor experience. Early sessions were hosted directly from the ATLAS Control Room before transitioning in 2014 to a dedicated space in the ATLAS Visitor Centre, equipped with modern videoconferencing technology. In 2019, the ATLAS Collaboration expanded the programme’s reach, introducing live Virtual Visits from the experimental cavern during year-end maintenance stops and long LHC shutdowns. These exclusive sessions take participants beyond the ATLAS visitor platform, offering real-time, up-close views of the towering detector. When the COVID-19 pandemic disrupted in-person gatherings worldwide, demand for virtual engagement surged. The ATLAS Collaboration adapted rapidly by introducing Open Virtual Visits streamed via Zoom and YouTube, allowing individual science enthusiasts and families to join live guided tours. Figure 2 shows that the programme reached a peak of 155 visits in 2021 and has since maintained around 100 visits per year, demonstrating sustained engagement beyond the pandemic-driven increase. More than just a tour Beyond participation numbers, the paper highlights the positive impact on participants and educators. Teachers report successfully integrating Virtual Visits into their physics curricula, sparking sustained curiosity and in many cases inspiring students to pursue STEM studies and careers. Feedback received also highlighted how the direct dialogue with ATLAS scientists has given students an authentic and personal perspective on particle physics, helping them connect what they learn in the classroom with the people behind ATLAS research. Looking ahead, the programme will continue to evolve with new technologies and communication platforms. The goal is simple: to give even more audiences the opportunity to engage directly with particle physics and make fundamental science open to all. Learn more Breaking barriers: the impact of ATLAS Virtual Visits in science communication (Eur. Phys. J. Plus 141, 874 (2026), arXiv:2601.22457, see figures) ATLAS Virtual Visit Dashboard Register for an ATLAS Virtual Visit
America first, global health last?
The US is reshaping global health aid through bilateral deals and stricter conditions – raising concerns over funding gaps, sovereignty and whether a transactional model can replace decades of multilateral cooperation
Democrat establishment flexes dominance as insurgents fall and GOP bench thins in deep blue stronghold
Massachusetts Democrats rewarded Ed Markey, 80, over Seth Moulton in a generational clash after Moulton urged the party to "pass the torch."
Tearing down 2 RenCen towers is the only viable option, Bedrock says
Bedrock made its case during a Community Benefits Ordinance meeting Tuesday night in Detroit.
Lake Austin business owners concerned about economic impact of lake drawdown in the fall
Next month, Lake Austin will be lowered about a dozen feet for maintenance, but business owners on the lake say they're going to take a big economic hit with the timing of it.
SGC starts year without VP of business and finance
The Ithaca College Student Governance Council is starting the 2026-27 academic year without a vice president of business and finance. The vice president of business and finance is responsible for distributing funds to student organizations.
GUEST VIEW: Politics or Governance: Budgets, tax rates, and real consequences
By Dustin Fawcett You have heard me say repeatedly that I believe in good governance and abhor petty politics. I believe government should be about solving problems, planning for the future, and making difficult decisions based on what is best for the people we serve, not what looks best in the short term. I’m not [...]
ESA, NASA Astronauts Begin Spacewalk for Navigation, Science Maintenance
NASA astronaut Jessica Meir and ESA (European Space Agency) astronaut Sophie Adenot began a spacewalk at 8:40 a.m. EDT outside the International Space Station to replace a retroflector, install jumper cables, prepare the Alpha Magnetic Spectrometer for future maintenance, and replace a high-definition camera.
Digital Science's 2026 Catalyst Grant Seeks "Agentic AI Workflows You Can Trust"
Up to £25,000 to be won for early-stage solutions building research agents - with audit, governance and provenanceLondon, United Kingdom--(Newsfile Corp. - September 1, 2026) - Digital Science, a leading technology company serving stakeholders across the research ecosystem, today launches its Catalyst Grant round for 2026 to support innovative technology ideas. This year's theme is: Agentic Workflows You Can Trust.Up to £25,000 will be awarded equity-free to individuals, startups or research...
Introducing the Athlon Sports Drive Dominance Ranking
Athlon Sports has created a new NFL statistic, the Drive Dominance Ranking, to measure offensive and defensive success.
ESA, NASA Astronauts Suit Up for Navigation, Science Maintenance Spacewalk
NASA is streaming live coverage as two astronauts prepare for a spacewalk outside the International Space Station. The spacewalk is scheduled to begin at approximately 8:30 a.m. EDT and last about six and a half hours. Watch online at: https://www.nasa.gov/live
9 Cassette Tapes From The '80s Worth a Small Fortune
Check your old box of cassette tapes. Some tapes cost a few dollars in the 1980s, but are now worth a lot of cash. Here are some of the most valuable ones.
Digital Science's 2026 Catalyst Grant seeks agentic AI workflows
Up to £25,000 to be won for early-stage solutions building research agents – with audit, governance and provenance
The IDA Health Window Is Gaining Traction: Four Responses to the Proposal
I recently proposed an IDA Health Window as the future of multilateral global health financing. The proposal is beginning to gain traction. It has received interest (mostly positive, but always with good, constructive challenges) from colleagues associated with the Accra Reset; Africa CDC and the African High-Level Ministerial Committee on Global Health Architecture Reform; low- and middle-income country health and finance officials; key high-income donors including the UK, France, Germany, and Norway; the World Bank and the Asian Development Bank; the World Health Organization, Wellcome Trust, and civil society.
AMC Entertainment Creates “Leawood Films” With the Aim of Having More Movies Distributed on to the Big Screen
New distribution venture will focus solely on films fully financed by their filmmakers, or already completed films, leveraging AMC's…...
A 104-year-old farmer’s $183,000 Deere tractor sale tests a U.S. farm recovery
America’s aging farmers have been holding on to machinery for longer than usual as low crop prices and rising costs squeezed their finances.
Expedition 75 is Go for Tuesday’s Navigation and Science Maintenance Spacewalk
Astronauts Sophie Adenot of ESA (European Space Agency) and Jessica Meir of NASA will exit the International Space Station after setting their spacesuits to battery power at 7:30 a.m. EDT on Tuesday, Sept. 1, signifying the beginning of their spacewalk. NASA+ and a variety of other platforms will stream live spacewalk coverage beginning at 6 a.m.
Bessent heads to G20 to rally allies on Iran as tariffs strain ties
The Group of 20 finance ministers is meeting in Asheville, North Carolina, on Monday and Tuesday.
Treasury Department blocks certain journalists from covering G20 meeting
The New York Times said in a statement that denying American journalists access to an event in the U.S. is “not just another disturbing effort by the administration to undermine independent journalism, but a blatant attempt to evade public scrutiny.”
Downtown Myrtle Beach business owners want drastic plan for homeless
Earlier this month, city police arrested multiple people under a loitering ordinance that's now the subject of lawsuits.
Star Entertainment (ASX SGR) casino operator reports $307.3 million loss
The casino and hotel giant is separately facing a fine of $400 million next month for anti-money laundering failures, putting more pressure on finances.
Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices
Hey all, Jason here. When this hits your inbox, I should be en route to the airport — not to go anywhere myself, just to pick up my better half. I must admit, it’s been strange to be home alone (well, with two dogs) for two weeks! Really lets me “optimize” to spending more time on reading/writing/working, whether that’s healthy or not! Looking forward to getting back into a (somewhat) more balance routine. Subscribe or Support by Upgrading Compare Notes With the People Who Built Modern Fintech Partner content: Remitly CEO Sebastian Gunningham. Increase founder Darragh Buckley. Linda Du, Co-founder & President at Valon. They’ll unpack the decisions behind building and scaling major financial products: what they got right, what broke, what they would do differently, and how AI and new infrastructure are changing the operator playbook. Most events tell you where fintech is going. NerdCon puts the people who built the present in the room and asks them what comes next. Expect an operator-led conversation grounded in real products, real trade-offs and lessons earned the hard way. Fintech Business Weekly readers save 20% on Regular tickets with code FBW20 before standard pricing ends September 11. Meet the Builders Things To Know & Other Good Reads Advent and Stripe Abandon $50 Billion Pursuit of PayPal (Bloomberg) Trump Family’s New Crypto Bank Is Backed by Abu Dhabi Sheikh (Wall Street Journal) The multiplying risks of financing data centres (FT) Let the Bond Market Speak (Wall Street Journal) Did we waste a crisis? Modest proposals to reform deposit insurance. (Fintech Takes Banking) Untangling Guggenheim: How Private Credit Built Its Own Universe (Net Interest) The Hater’s Guide To Circular Financing — Part One (Ed Zitron) Fiat Ventures Rebrands to FGV Capital, Announces $35M Oversubscribed Fund II (BusinessWire) Socure Announces Strategic Growth Investment at $5.2B Valuation and Acquires Agentic Operations Platform Fravity (Socure) Listen: When Consumer Protection Disclosures Work Too Well (Consumer Finance Monitor Podcast) Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices When Andreessen Horowitz led EarnIn’s $39 million Series B in 2017, Alex Rampell, a partner at the storied venture capital firm, described EarnIn’s small-dollar advance product as “free,” relying on “entirely on voluntary contributions instead of fees.” Rampell favorably compared EarnIn’s approach to typical payday loans, writing, “Payday loans historically have had the potential to be a slippery slope for consumers into financial distress: opaque systems and steep fees that are hard to repay and set individuals back further than where they started. For many Americans living paycheck to paycheck, that kind of slide into debt can be extremely difficult to recover from.” But EarnIn’s product — which, the company says, isn’t a “loan,” legally speaking — ends up being anything but free for most users. While it is technically possible to take a no-fee advance from the company, most users incur “Lightning Speed” (instant funding) fees and/or ostensibly optional tips that combined can equate to annualized percent rates that can reach over 1,000%. With an average term of 9.77 days, even fees and tips that are small on an absolute dollar basis are equivalent to high APRs on an annualized basis. A lawsuit filed last week by Colorado Attorney General Phil Weiser against EarnIn describes the company and its product and business practices quite differently than Andreessen’s Rampell; “EarnIn’s business practices are unfair because they are immoral, unethical, oppressive and unscrupulous,” the complaint, filed in District Court in Denver, Colorado, says. EarnIn’s marquee product, Cash Out, isn’t a loan, the company says, as Cash Out is not “[f]orward [l]ooking” because “[t]he money is transferred based on earnings to date,” does not carry a mandatory fee to access funds, and is “non-recourse,” meaning EarnIn cannot pursue recovery from users who don’t repay advanced funds. EarnIn is sometimes referred to as an “Earned Wage Advance” service. Though, unlike some others in the broader category, EarnIn does not integrate with employers’ payroll or time and attendance systems. Rather, EarnIn attempts to verify a user’s income and employment, by examining direct deposit transaction data in their linked external bank account, by using GPS location and Bluetooth data to estimate a user’s time spent at work, if they work in a fixed location, and/or by having a user provided a work email address. While repayment is theoretically optional, as EarnIn would have no recourse, such as reporting non-payment to the credit bureaus or a collections agency, this is anything but clear to users of the EarnIn app, Colorado’s complaint argues. During the process of taking a Cash Out, users must agree to a preauthorized debit of the amount advanced, plus any expedited funding fee and/or tips. Though users technically can revoke this ACH authorization, the fact that they have this right isn’t presented to users during the Cash Out process, but rather is included in linked terms and conditions few users are likely to actually read. And users who do wish to revoke their ACH authorization must do so three or more days before the scheduled transaction date by emailing EarnIn’s customer support. Similarly, EarnIn’s marketing claims that it carries “no interest” and “no mandatory fees” is technically true, but is not the reality for many of the app’s users, the Colorado complaint argues. Further, EarnIn has extensively marketed to users the ability to “access your pay today,” to get “instant” funds, and to get funds “the same day you work” — when, in reality, this speed of access was only possible by paying the additional, undisclosed Lightning Speed fee. The Colorado complaint highlights this contradiction specifically, noting: EarnIn tells consumers that they can ‘Make any day payday with EarnIn’ and that there no ‘hidden’ or ‘mandatory fees.’ For a consumer to access their pay on the same day requested, they would have to pay the Lightning Speed fee. In the fine print of the advertisement EarnIn discloses that ‘[f]ees apply to use Lightning Speed,’ a direct contradiction to the larger text of the advertisement, and a fact that would not be immediately understood by a consumer as ‘Lightning Speed’ is not defined nor explained. Like other small-dollar lending services, rather than explicitly charge interest, EarnIn collects a markup on the optional Lighting Speed fee, which, given the nature of the transactions, many users opt for, as well as offering users the option to leave “tips.” EarnIn leverages either Real-Time Payments (RTP) rails or push-to-card via debit rails if a user opts for the optional Lightning Speed. But while these capabilities cost EarnIn, on average, $0.075 or $0.20 per transaction, respectively, EarnIn charges users significantly more. Initially, EarnIn charged as little as $1.99 for Cash Outs up to $24. But EarnIn has hiked these fees multiple times, and now charges $4.99 for Cash Outs up to $75 and $6.99 for those over $75. According to the Colorado complaint, EarnIn leverages “dark patterns” to manipulate users and to make it more difficult to avoid tipping. Examples of these “road blocks” highlighted in the complaint include: As of 2023, in the EarnIn app, a consumer attempting to get a loan under the default settings had to make at least eighteen separate taps to complete the transaction and reduce the tip to $0. There is an alternative method to leave a $0 tip, via the “Custom tip” feature, but EarnIn made this option difficult to access by visually deemphasizing it and positioning it near devices’ “home” button. Using language and imagery such as “Tip to pay it forward,” “Your generosity supports the service + helps,” “Your tips make a difference,” and “[t]he APR for this cash out is 0%. Your tips help support us.” While Lightning Speed and tipping are, in theory, both optional, in practice, users nearly always ended up paying something. According to the Colorado suit, users were charged either a tip or an expedite fee for more than 92% of transactions, with an average APR of nearly 388%. And, although the advances are “non-recourse,” EarnIn successfully collects on nearly all transactions — 99.18%, according to the complaint, which, Colorado argues, “demonstrat[es] that EarnIn’s advances function as high cost loans, not voluntary payments.” The share of EarnIn users incurring fees — despite the product being marketed as 0% APR — is hard to reconcile with Andreessen investor Rampell’s favorable description of EarnIn vs. “opaque systems and steep fees” associated with payday loans, which, Rampell says, can be “extremely difficult” for borrowers to extricate themselves from. According to Colorado’s suit, EarnIn’s Cash Out product “trapped many consumers in extreme cycles of high-cost reborrowing.” The suit gives an example of one consumer in the state, who took out a whopping 1,151 loans, paying a total of $4,038.50 in Lightning Speed expedited funding fees on loans that averaged the equivalent of 1,421% APR. Another Colorado user, the suit says, took out 1,033 loans, paying $8,561.22 in tips and fees at an average APR of 1,539% . These types of usage patterns demonstrate “the severe and repeated financial harm caused by EarnIn’s illegal lending model,” the Colorado complaint argues. In aggregate, from January 2023 through July 2025, EarnIn extended 3.1 million loans to 56,778 users in Colorado — an average of nearly 55 transactions per person during the time period. EarnIn lent more than $300 million and collected more than $16 million from Colorado users in Lightning Speed fees and in tips. Ultimately, the Colorado complaint argues that “EarnIn’s Cash Outs are loans under Colorado law, and EarnIn’s contention that its product is not a loan based on its disclaimer of any legal repayment obligation lacks any real-world significance given how the Cash Out transactions actually operate in practice.” Colorado further argues that “EarnIn was not working with companies here in providing consumers with funds but acted as a third-party lender and charged illegally high rates, used deceptive design strategies to extract some charges, and trapped consumers in repeat borrowing. Colorado will continue to stand up for consumers and hold companies accountable when they violate our credit laws or attempt to evade them through misleading practices.” Colorado’s suit alleges EarnIn assesses finance charge in excess of that permitted by Colorado law, that EarnIn failed to make legally required disclosures to Colorado borrowers, that EarnIn made supervised loans to consumers without obtaining the requisite license, that EarnIn violated the state’s Deferred Deposit Loan Act, that EarnIn engage in unfair and deceptive trade practices, and that EarnIn made false or misleading statements concerning price. The suit seeks a court order enjoining EarnIn from violating relevant Colorado laws, for EarnIn to refund amounts charged in excess of state law, fees, costs, and penalties, and other relief the court deems to be just. Fintech Business Weekly is made possible by the generous support of paying subscribers — bringing you independent analysis of banking, fintech, and crypto without fear or favor. You can support my work by becoming a paying subscriber if you aren’t already. Paying subscribers enjoy: access to the entire archive of nearly six years of newsletters extended versions of the weekly newsletter, with additional content and analysis and (for founding member tier) quarterly personal 1:1 fintech Q&A / strategy calls with me, tapping into my unparalleled knowledge of the intersection of banking and fintech and experience working in the sector, including helping to launch Goldman Sachs’ retail bank Marcus Support Fintech Business Weekly You can also support Fintech Business Weekly by sponsoring a newsletter or podcast, putting you in front of 93,000+ of the most influential decision makers in banking, fintech, and crypto. Learn more about sponsor opportunities or request a media kit by dropping me an email. Q2 Quarterly Banking Profile: Five Quick Takeaways The FDIC released its quarterly banking profile, which is always worth a read, for the second quarter. The profile provides an aggregate snapshot about the overall health of the 4,238 institutions whose deposits are insured by the FDIC, who, collectively, hold more than $26 trillion in assets and saw a total net income of more than $90 billion in the second quarter. Net income was up 12% vs. Q1 2026, with lower provisions and realized gains on securities helping to drive the improvement, somewhat offset by increases in non-interest expense and applicable income taxes. Overall net interest margin was basically flat quarter over quarter (up 1 basis point vs. Q1 2026), though community banks saw NIM grow by 10 basis points, to 3.81%. Unsurprisingly, given that interest rates haven’t changed, unrealized losses on securities changed little, edging up slightly to $326.7 billion vs. $325.1 billion in Q1 2026. Aggregate credit quality has remained benign, with asset quality actually improving slightly in Q2. Overall, institutions reported a 9 basis point decline in their past-due and non-accrual rate, to 1.44%. Net charge off rate also declined by 2 basis points, to 0.57%. And finally, the FDIC’s deposit insurance fund stands at $161.1 billion, making the DIF reserve ratio 1.48% — above the statutory minimum of 1.35%, but still below the designated target reserve ratio of 2%. [Paid Subscriber Exclusive] Nissan Withdraws ILC App, State Associations Plan BankChain Alliance, FDIC Defines “Unsafe or Unsound Practice” For First Time Automaker Nissan withdrew its application to charter a Utah industrial loan company and its corresponding application to the FDIC for deposit insurance last week, on August 19th. Nissan’s application had been outstanding for more than a year, as it originally applied in June 2025. Recent applications to the OCC to form national banks have been decisioned, one way or the other, substantially more quickly than has historically been the case.
American Airlines Bolsters Maintenance Workforce to Combat Broken Seats, Wonky Tray Tables And Defective In-Flight Entertainment Systems
American Airlines has hired more than 60 additional maintenance technicians to finally get to grips with what the carrier’s frequent flyers, pilots, and flight attendants know all too well… the upkeep of its airplane cabins hasn’t been a big enough priority for far too long, with broken seats, wonky tray tables, and defective in-flight entertainment…
Goodyear burning rubber and cash as turnaround plan continues
The tire maker has an ongoing turnaround plan as the company tries to restructure its business, refinance and pay down years of debt.
Money and Politics in Delaware: August 29, 2026
Money and Politics in Delaware is your link to finance, business and policy in the First State.
Rising energy, fuel costs cut into bottom line for Pa. businesses
At Shirley’s Cookie Company, Facilities Maintenance Manager Richard Weyant detailed the efforts he’d overseen to keep utility costs down at their Blair County facility. They included thousands of dollars invested to upgrade to LED lighting alongside new and more efficient HVAC systems. While electricity use went down by 5.7% over four years, he told Republican […]
Healthcare Freefall: AI arms race hits rural healthcare as hospitals fight to keep up
Editor’s Note: Colorado’s healthcare system is entering a period of accelerating instability — a “tsunami,” as multiple leaders describe it — driven by collapsing hospital finances, shrinking Medicaid reimbursements, disappearing services and a political fight over who is responsible for this unraveling. Healthcare Freefall is a multipart series examining how Colorado arrived at this moment, […]
Warsh says inflation still too high, interest rates may need to be raised
He addressed global banking leaders and finance ministers Friday at the Jackson Hole Economic Symposium in Wyoming
Warsh says inflation still too high, interest rates may need to be raised
He addressed global banking leaders and finance ministers Friday at the Jackson Hole Economic Symposium in Wyoming
How NYC plans to get young people to vote: Less politics, more influencers
Ahead of this fall’s midterm elections, New York City’s Campaign Finance Board is betting that one way to reach young voters is to make voting information
Resonance: A Plague Tale Legacy's Game Director and Star on Why Sophia Is So Special and Why This Prequel Let the Team 'Get Some Fresh Air'
Resonance: A Plague Tale Legacy has just been released on PS5, Xbox Series X/S, and PC, and we had the chance at gamescom to speak to David Dedeine, co-founder of Asobo and game director, and Anna Demetriou, Sophia's voice actor, about this big moment for the franchise.
So long to shorts? In Silicon Valley, tech workers are showing less leg
Men in the tech industry are covering up their legs, even as their counterparts in finance are increasingly open to showing them off.
Spacewalk Preps, Biomedical Science as Station Boosts Orbit on Thursday
Preparations are ongoing for a spacewalk next week to continue external maintenance on the International Space Station. The Expedition 75 residents are also keeping up biomedical research while maintaining orbital outpost systems. Also, a U.S. cargo craft fired it engines on Thursday boosting the station’s orbit.
Nvidia’s Hidden $40 Billion Business Beyond Big Tech Is Growing Twice as Fast
Nvidia's data center customer list is changing fast, and the new buyers look nothing like the hyperscalers who built the company's dominance. Whether that signals genuine strength or a subtler kind of risk depends on who is actually paying the bills.
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USA TODAY delivers current national and local news, sports, entertainment, finance, technology, and more through award-winning journalism, photos, and videos.
Record debt and election politics raise stakes for French budget
France faces a particularly perilous annual budget battle in the coming months as political parties jockey for position ahead of next spring's presidential election while increasingly anxious investors look for evidence Paris can regain control of its public finances.
Oneida Nation preparing to swear in new business committee
The committee is the overseer of daily operations and governance, and they’re elected every three years.
Astros’ Yordan Alvarez nears record held by Yankees’ Aaron Judge
Yordan Alvarez's dominance is making him historically difficult to pitch to.
Review: Resonance: A Plague Tale Legacy Is a Visual Feast to Cherish on Every Console
Though PS5 Pro is a class apart.
Other Ways of Knowing: Ethno Epistemic Challenges to the Universality of Science
From toe rings for a healthy pregnancy to a president who scrapped AIDS drugs for a dream-given herbal cure, this essay confronts a growing academic movement claiming spirits, astrology, and ancestral visions rival science—and what’s at stake for medicine, education, and truth.
Campaign finance reform proposal heads to Michigan voters after Senate declines to act
A proposal to ban utility and contractor political contributions will go to Michigan voters in November after the Senate declines to act.
Vanderbilt Health receives $3.4 million grant to advance breast cancer imaging
Vanderbilt Health has received a grant to support development of magnetic resonance (MR) cytometry as a new tool for breast cancer imaging.
Democrats Score Victory in Campaign Finance Court Case
Republicans had hoped that a Supreme Court decision allowing party committees to coordinate with candidates would also entitle them to lower ad rates. On Tuesday, an appeals court said otherwise.
Portland removes 100-foot buffer between entertainment businesses
In 2007, Portland implemented an ordinance that regulated the location and density of businesses with both liquor licenses and entertainment licenses in the downtown and waterfront zones. In response to business owner complaints, the council removed this buffer on Monday.
Johnson finds $85 million budget fix — and unloads on City Council
The mayor plans to refinance debt and tap remaining federal relief dollars to close the city’s projected 2026 shortfall, while blaming the City Council for creating the mess.
National Park Service restoration fund set to expire at end of September
Congress works to tackle maintenance backlog at national parks with more funding
A look inside Iran: Professor outlines sentiment, cost pressures & politics
Seyed Emamian from Tehran Polytechnic University and co-founder of Iran's Governance & Policy Think Tank discusses daily life in Tehran amid the war, and why he thinks Iranians now see no chance of a peaceful deal with President Trump.
AMC Entertainment Holdings (AMC) Could Be 2% Undervalued Following Governance Changes
Governance changes at AMC Entertainment Holdings AMC Entertainment Holdings (AMC) has put forward several corporate governance changes for a stockholder vote at its September 24, 2026 annual meeting, aiming to adjust how its board and investors share decision making power. See our latest analysis for AMC Entertainment Holdings. Alongside these proposed governance changes, AMC Entertainment Holdings has seen a 67.92% 90 day share price return and a 65.84% year to date share price return, while...
Proposed Springfield zoning ban could block self-storage expansion, cut business value
A proposed zoning ordinance in Springfield would prohibit new mini-warehouse and self-storage facilities in the city.
Christine Chasse Analyzes AI Governance in Health Care in Two Publications
Spencer Fane attorney Christine Chasse authored the article AI in Health Care: The Governance Gap, recently published by Health IT Answers and Corporate
Amazon hikes hardware prices by 60 percent, blaming memory shortage
As the memory shortage continues to cause trouble for hardware makers, Amazon says it is now being forced to pass on the costs to its consumers.
Japan eyes tax breaks for non-core business sales in governance reform push, sources say
Japan's government is considering tax breaks on gains from sales of non-core businesses, a move that could accelerate long-delayed corporate restructuring and spur industry consolidation, two people with knowledge of the matter said.
Family entertainment company WildBrain acquires Personality AI
TORONTO — Family entertainment company WildBrain Ltd. has acquired Personality AI, which uses technology to create interactive characters using generative AI.
Final Fantasy Resonance is Going All In On the Series' Golden Age
Time to fire up the airship and track down some crystals
Final Fantasy Resonance is getting a 120-song original soundtrack
The Final Fantasy Resonance Original Soundtrack will release on 28th October, pre-orders are now live.
🥐 An unstoppable Barça, Julián, Vinicius... 5️⃣ stories shaping Monday
Tension at the Metropolitano after the boos aimed at Julián Álvarez headline a matchday in which FC Barcelona showed overwhelming dominance against Elche, Mourinho stepped in amid the 'Vinicius case...
Radiologists offer a governance blueprint for hospital joint-venture partnerships
The two radiologists are warning colleagues about a common pitfall to avoid, unearthed from reviewing 30 years of joint-venture partnership research.