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They survived World War II and lost decades, but not 2026. Japan's century-old businesses are disappearing at a record pace
Japan’s century-old businesses face mounting pressures from rising costs, labor shortages, a shrinking market and succession challenges.
Bora Biologics and Protect Animal Health Enter Strategic, Long-Term Multi-Project Collaboration to Advance Antibody-Based Animal Health Products
Partnership includes development and manufacturing support for multiple monoclonal and bispecific antibody programs targeting U.S. and global animal health markets
MIPCOM 2026: 3Boxmedia unveils new documentary slate featuring science, nature, and current affairs
The Spanish-German distributor is launching a diverse lineup of factual content spanning travel, climate investigation, science, and 4K wildlife productions for the market in Cannes.
Amid Soaring Costs, Health Benefits Brokers Seek New Strategies
Affordability challenges are transforming the health benefits market, requiring brokers, carriers, and employers to make difficult decisions. In 2000,
Bora Biologics and Protect Animal Health Enter Strategic, Long-Term Multi-Project Collaboration to Advance Antibody-Based Animal Health Products
Partnership includes development and manufacturing support for multiple monoclonal and bispecific antibody programs targeting U. and global animal health marketsSAN DIEGO, CA AND TAIPEI CITY, TAIWAN / ACCESS Newswire / October 4, 2026 / , a U.
Bora Biologics and Protect Animal Health Enter Strategic, Long-Term Multi-Project Collaboration to Advance Antibody-Based Animal Health Products
Partnership includes development and manufacturing support for multiple monoclonal and bispecific antibody programs targeting U.S. and global animal health markets
2TB MicroSD Express card leaks, providing Switch 2 storage for 100+ games
With some Switch 2 games creating a storage dilemma, help is on the way. Suneast is marketing a 2TB MicroSD Express card without a release date or price. Amid the memory shortage, 1TB cards already cost Nintendo supporters over $300.
Caterpillar is a Great Business. But is CAT Stock a Great Buy?
Caterpillar Inc. (NYSE:CAT) is having a strong year. Construction and mining demand remain solid, infrastructure spending is creating more opportunities, and the rapid buildout of data centers is opening another market for the company’s power equipment. The latest numbers make that clear. Sales and revenues reached a record $20.5 billion in the latest quarter, up […]
Mid-Atlantic Farmers Seek Early Fertilizer Price Protection Now
Mid-Atlantic farmers are locking in 2027 fertilizer contracts now, as nitrogen imports and market uncertainty make input-cost planning a key risk-management concern.
Italian Heritage Day returns to Rochester with food, entertainment, and language lessons
The fourth annual Italian Heritage Day returned to the Rochester Public Market.
As Music Instrument Buyers Go Upscale, Fender Overhauls Online Experience
Fender is revamping its online presence amid a shifting market for musical instruments moving toward premium offerings, vintage sounds, and online sales and information.
Rebuked by Bond Market, Bessent Says ‘House’ Does Not Always Win
The Treasury secretary said in an interview with Axios that he cannot control the Treasury market but argued that U.S. bond yields would come back down over time.
‘Fitbit Edge’ leaks as Google’s next fitness tracker with ‘Apps’ & ‘Notifications’
Following an accidental marketing leak in August and FCC listing last month, retail listings for the “Fitbit Edge” have now emerged.
Women and underrepresented minorities have higher tenure-track placement rates in the political science job market
What actually lands a PhD student a tenure-track professorship? A new study suggests a candidate's publication record, research field, and demographic identity are much stronger predictors of hiring success than the prestige of their university.
SOCIETY: Plum Market’s Veuve Clicquot "Chasing the Sun" event
Click here to view this item from floridaweekly.com.
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.
Georgia woman business owner arrested on fraud charges
Other Mad Marketing clients have also come forward with allegations of fraud.
Where's my Starbucks?
This is a condensed version of Business Insider Today, a newsletter that gives you a look at the week’s top stories. Sign up here to get the full Business Insider Today in your inbox every day for the top stories in markets, tech, and business.
Chick-fil-A wants to stay a family business even as it expands in the U.S. and abroad
Chick-fil-A has been expanding into new international markets and growing its menu under CEO Andrew Cathy.
Phillies news: Trea Turner, Don Mattingly, Adley Rutschman
Need to dip in the Japanese market a little more
More power or more gauges? How the sports car market has become divided
Technology has "slowly hacked away at the soul of the sports car," one analyst said.
New Orleans' Eiffel Tower building on St. Charles is on the market. Could it be demolished?
The quirky steel structure was built a restaurant that was removed from the Eiffel Tower in Paris and shipped to New Orleans in the 1980s.
Flutter Entertainment PLC (NYSE:FLUT) Stock Has Average Target Price of $155.37
Flutter Entertainment PLC (NYSE:FLUT - Get Free Report) has received an average rating of "Moderate Buy" from the thirty-one ratings firms that are covering the company, MarketBeat Ratings reports. Three investment analysts have rated the stock with a sell recommendation, nine have given a hold reco
Baubles & Brews brings women-owned businesses together in Pottsville
Candles, pottery, books, and skincare filled tables at Arrow Studio & Events on Saturday as 23 small businesses came together for Baubles & Brews, a fall market centered on women entrepreneurs and the community they have built. For…
Mormon leader decries explosion in sports betting, prediction markets
A leader of The Church of Jesus Christ of Latter-day Saints says an explosion in online prediction markets and sports betting is fostering greed among young people
Mormon leader decries explosion in sports betting, prediction markets
A leader of The Church of Jesus Christ of Latter-day Saints says an explosion in online prediction markets and sports betting is fostering greed among young people
Mormon leader decries explosion in sports gambling, prediction markets
A leader of the Church of Jesus Christ of Latter-day Saints says an explosion in online prediction markets and sports betting is fostering greed among young people
Mormon leader decries explosion in sports gambling, prediction markets
A leader of the Church of Jesus Christ of Latter-day Saints says an explosion in online prediction markets and sports betting is fostering greed among young people.
Mormon leader decries explosion in sports gambling, prediction markets
A leader of the Church of Jesus Christ of Latter-day Saints says an explosion in online prediction markets and sports betting is fostering greed among young people.
Mormon Leader Decries Explosion in Sports Gambling, Prediction Markets
SALT LAKE CITY (AP) — A leader of the Church of Jesus Christ of Latter-day Saints warned Saturday that an explosion in gambling driven by online prediction markets and sports betting is fostering greed, particularly among youths, while producing “nothing of value.” D. Todd Christofferson, one of the ...
A $28B hemp THC industry is fighting to save itself from a looming federal ban
America’s multibillion-dollar market for impairing hemp products faces potential elimination before the end of the year.
ADP Warns of Cooling Labor Market While Its Own Business Feels the Chill
ADP publishes the jobs data Wall Street watches every month, but its own payroll counts now tell a different story about where the labor market is actually heading.
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. […]
A $28B hemp THC industry is fighting to save itself from a looming federal ban
America’s multibillion-dollar market for impairing hemp products faces potential elimination before the end of the year.
$28B hemp THC industry fights to save itself from looming federal ban
America’s multibillion-dollar market for impairing hemp products faces potential elimination before the end of the year
Live Nation Entertainment (LYV) Stock Stays Hard To Read After Its 93% Run
Live Nation Entertainment has seen its share price advance strongly over the past few years, which naturally puts the focus on whether the current US$168.77 level is supported by what the business can generate in cash. With the stock giving back some ground in recent weeks, the question now is how that recent share move lines up against the value implied by its cash flows. Over the past 3 years the stock has returned 92.9%, which raises the issue of whether the market is now asking investors...
How European Entrepreneurs Are Building U.S. Business Infrastructure Without Moving to America
ORLANDO, FL / ACCESS Newswire / October 3, 2026 / For many European entrepreneurs, entering the U. market has traditionally been associated with establishing a physical presence, opening an office or eventually relocating to the United States.
Flu vaccines available by appointment at Summit County Public Health
Summit County Public Health is offering flu vaccines at 1867 W. Market St. in Building C. Call or visit scph.org for an appointment.
JPMorgan lays out the investing playbook for 2026 midterm elections
Gridlock tends to be a benign election outcome for markets, as investors don't have to grapple with the potential for sweeping policy changes.
Africa’s young entrepreneurs have great ideas. What they need is capital and business support
Africa’s young entrepreneurs need early capital, practical support and access to markets.
Madison Square Garden Entertainment (NYSE:MSGE) Upgraded at Wall Street Zen
Wall Street Zen raised Madison Square Garden Entertainment from a "hold" rating to a "buy" rating in a research note on Saturday.
Sandy's Fine Food Emporium's new owners keep it a family business
WESTERLY — A new chapter in the story of Sandy's Fine Food Emporium — the local, family-owned market at 15 Post Road — began this week as Sandy’s approaches its
Will Brazil Betting Ban Change Flutter Entertainment's (FLUT) Narrative
Flutter Entertainment reported that Don Liu resigned as Chief Legal Officer effective September 30, 2026, with Group Company Secretary Edward Traynor stepping in as interim Chief Legal Officer from October 1, 2026. Brazil's recent ban on online betting removes a previously important market opportunity for Flutter Entertainment, placing greater emphasis on execution in existing regulated regions and any remaining expansion plans. We will now look at how Flutter Entertainment's investment...
Small businesses use Kalshi to hedge financial risks
An expert weighs in on how businesses are using prediction-market contracts to hedge against financial risks.
GTA 6 Had A Really Busy Week
We are less than 50 days away from the release of Grand Theft Auto 6 and marketing is kicking into high gear
Health department issues warning after testing finds unexpected opioid in tablet marketed as kratom
The St. Louis County Health Department is warning you to check the labels of products you buy, after lab testing found a synthetic opioid in a tablet marketed as a kratom product.
Man used Facebook Marketplace to advertise business selling magic mushrooms: HCSO
A Riverview man was arrested on Friday after authorities said he was running a business selling hallucinogens on Facebook Marketplace.
Caesars Entertainment, Inc. to Release 2026 Third Quarter Results on October 27, 2026
LAS VEGAS & RENO, Nev., October 02, 2026--Caesars Entertainment, Inc. (NASDAQ: CZR) ("Caesars", "the Company") will release its financial results for the third quarter after the market closes on Tuesday, October 27, 2026. Considering the Company’s pending merger with Fertitta Entertainment announced on May 28, 2026, Caesars will not host an earnings call. Upon completion of the proposed merger agreement, Caesars’ common stock will no longer be listed on NASDAQ, and the Company will become a priv
Where startups should test to scale
Should companies test products in their familiar, local pond or in the new market where they want to scale?
Weiser joins lawsuit challenging new fuel economy standards
“The federal government’s backsliding on standards for the next five years requires less fuel economy than what the U.S. fleet of new cars and trucks achieved in 2021. Rolling back fuel efficiency standards will cost Coloradans even more at the gas pump, harm public health, and undermine our nation’s position in the EV market. These clean car rules are part of our clean energy future and that’s why we are challenging this illegal action,” said Attorney General Weiser.
Small business marketing: Benefits and downsides of AI marketing tools
Small business owners shared how they actually use AI to build and sustain a marketing strategy, as well as where it falls short.
Nebraska education board approves funds for healthy food initiative, discusses grant process
After concerns about wanting funding to go to schools, the State Board of Education awarded $2 million in leftover funds to support healthy food in schools for additional projects for infrastructures and marketing.
Scoop: Renovus preps two pharma services companies for sale
The processes would launch in a robust deal market.
Black unemployment just rose at its fastest pace since Covid
A rise in the Black unemployment rate can sometimes serve as a canary in a coal mine when problems are budding in the labor market
Experience Intelligence: 3 Insights on Measuring Business Impact
A new methodology is helping brands like IBM design for what matters most. When an industry standard doesn’t exist, create one. It’s the mentality of a
PF Meat Co. Butchery and Market coming to downtown Anderson
The site is at the corner of North Main and West Calhoun streets and is part of the Anderson Downtown Historic District.
Klick Health Named MM+M Market Access Gold Agency of the Year
NEW YORK & TORONTO, October 02, 2026--Klick Health took center stage throughout the evening at last night’s Medical Marketing + Media (MM+M) Awards, receiving the Market Access Gold Agency of the Year title plus nine campaign accolades, including five Gold trophies for "867-5309" (Cancer Support Community), "Project Inchstone" (Nestlé Compleat), and "MODDEN 26" (The Derek Sheely Foundation).
Brand New GTA 6 Screenshots Focus on Lucia and Jason's Relationship
Rockstar has further ramped up its GTA 6 marketing today with the launch of several new screenshots focusing on protagonists Lucia and Jason.
A Delaware County estate with a par-three golf hole and an entertaining space is on the market for $4M
The house also has a sports court and pool.
Analysis-Vance's fraud crackdown may raise costs for US health insurers, enrollees
NEW YORK, Oct 2 (Reuters) - A crackdown on Obamacare health insurance could raise prices for US consumers and insurers by removing healthy, low-cost enrollees, adding pressure to a shrinking marketplace.
Vance's fraud crackdown may raise costs for US health insurers, enrollees
A crackdown on Obamacare health insurance could raise prices for US consumers and insurers by removing healthy, low-cost enrollees, adding pressure to a shrinking marketplace.
Tencent Music Entertainment Group (NYSE:TME) Reaches New 12-Month Low
Tencent Music Entertainment Group (NYSE:TME) Sets New 52-Week Low - Here's What Happened
Gamer Buys Used Ryzen 7 5800X3D, Gets Locked Out of Valorant Because Previous Owner Cheated
A buyer of a Ryzen 7 5800X3D found it banned by Riot's Vanguard anti-cheat, impacting their entire system and highlighting risks in the second-hand PC market.
How the Instinct AI agent helped an entrepreneur run his new business
A tech entrepreneur put the Instinct AI agent to work on marketing, operations, shipping, tariffs, and more.
From Unicorn Frappuccinos to VIP meet-and-greets: How 3 brands are turning buzz into business
As companies fight harder for consumers' attention, marketing is becoming an increasingly important tool for driving growth.
GTA 6 Marketing Ramps Up As Miami Heat Announce Vice City Night That Sounds Very Expensive
The one night take over happens right before the game launches on November 19
Coastal forces shape building sciences practice
When Built Environments relocated to Wilmington, the firm’s partners weren’t looking for the lazy tranquility one hopes for when on vacation. Instead, they sought sultry heat. They wanted to understand whipping coastal winds and punishing precipitation – the kind that tropical storms produce. That’s because how materials degrade can reveal a lot about how they can be improved. “We specifically chose the Wilmington market because it does fall within Climate Zone 3A, which is a coastal warm-humid climate,” said Jarrett Davis, who joined Built Environments in 2023 to lead the company’s building science practice. “There’s not a lot of product research in that climate zone, but there are a lot of structures here that get weatherized pretty severely.” Built Environments has provided building science, material testing and code compliance consulting for 25 years, ever since principal materials scientist Steve Doggett founded the company in Minnesota. “There are very few manufacturers that understand fully how their own materials and products work, whereas we know their shortfalls and their benefits out in the real world on jobsites,” Doggett said. “That’s why the original Built Environments was formed, to make buildings better.” He said the 15-employee company is just as comfortable on a jobsite, retrofitting a high-end beachside property, for example, as it is recreating some of the coast’s most intense weather conditions in the great indoors. The company operates an A2LA-accredited ISO/IEC 17025 mechanical testing laboratory on Wright Street. The year-old facility has expanded Built Environments’ in-house capabilities, Doggett said. “We’re able to simulate that hurricane wind (and) rain and perform structural and impact testing on wall assemblies, roof assemblies and glazing assemblies,” he said. “There are certain requirements that those windows and doors need to meet as far as wind ratings and pressure ratings and things of that nature.” Standard Glass Co.-Glass Depots, of Wilmington, is currently testing a new glazing system using Built Environments’ stress testing, the partners said. One method involves what’s called a “large missile cannon.” “We take 8-foot two-by-fours, and we shoot them at assemblies, so they have to withstand that impact,” Davis said. “It’s pretty cool to see, I’m not going to lie.” In many cases, the lab can run a full, wall-scale test of a product in a matter of weeks or months, whereas “it might take midrange manufacturers years,” Doggett said. “We’re nimble. We can cut that time in half.” The lab also develops intellectual property. Doggett, for example, shares a patent with Sustant LLC, of Minnesota, on a fastener patch to increase the air and water tightness within building envelopes. “We have too many ideas and not enough time,” he said. But the partners noted that they or their fellow principals – of which the company has four total, including a principal engineer and a principal codes and standards expert – could be anywhere on a given day, including in the courtroom providing expert testimony in contentious insurance cases. “Let’s say there is a fire on a structure,” Davis said. “We can analyze all the specific materials within that assembly – an exterior wall or something like that – because there are loads that require certain heat release. And so, we can measure each one of those materials, if need be, to say if this was likely or not a code-approved assembly.” Despite what can be inferred in a lab, the partners said nothing beats learning from how materials change over time under real-world strain. Take, for instance, the curious case of the creaking condo. “We recently had a customer that came to us trying to assess a sound issue of a roof. It was making noises that no one could explain or account for. How do you tackle something like that?” Doggett asked rhetorically. “There’s really no generally agreed-upon methodologies.” The problem turned out to be a faulty installation of a commercial roof system. “The building in this particular case was not local,” he said. “In the initial installation, the commercial roofing contractor installed the wrong fasteners in the wrong locations into the deck, and essentially the solar radiation was causing the building to move quite substantially early in the morning when the sun initially hit that assembly after a quite cool evening, causing the threads on the fasteners to kind of jump within the material, within the metal.” Built Environments designed an effective repair methodology that was within budget, the partners said. “We get the bizarre,” Doggett said. “I will say that’s something that has stayed the same over 25 years.” The partners said they are hiring, and that Cape Fear Community College is one of their main recruiting grounds. Davis and Doggett look for talented people who can understand traditional methodologies yet are open to on-the-job training and new understandings, they said. After all, it’s not just weather that can ruin a building. “My favorite saying is,” Davis said, “‘What are the eight most expensive words in construction? That’s how my daddy used to do it.’”
Coastal forces shape building sciences practice
When Built Environments relocated to Wilmington, the firm’s partners weren’t looking for the lazy tranquility one hopes for when on vacation. Instead, they sought sultry heat. They wanted to understand whipping coastal winds and punishing precipitation – the kind that tropical storms produce. That’s because how materials degrade can reveal a lot about how they can be improved. “We specifically chose the Wilmington market because it does fall within Climate Zone 3A, which is a coastal warm-humid climate,” said Jarrett Davis, who joined Built Environments in 2023 to lead the company’s building science practice. “There’s not a lot of product research in that climate zone, but there are a lot of structures here that get weatherized pretty severely.” Built Environments has provided building science, material testing and code compliance consulting for 25 years, ever since principal materials scientist Steve Doggett founded the company in Minnesota. “There are very few manufacturers that understand fully how their own materials and products work, whereas we know their shortfalls and their benefits out in the real world on jobsites,” Doggett said. “That’s why the original Built Environments was formed, to make buildings better.” He said the 15-employee company is just as comfortable on a jobsite, retrofitting a high-end beachside property, for example, as it is recreating some of the coast’s most intense weather conditions in the great indoors. The company operates an A2LA-accredited ISO/IEC 17025 mechanical testing laboratory on Wright Street. The year-old facility has expanded Built Environments’ in-house capabilities, Doggett said. “We’re able to simulate that hurricane wind (and) rain and perform structural and impact testing on wall assemblies, roof assemblies and glazing assemblies,” he said. “There are certain requirements that those windows and doors need to meet as far as wind ratings and pressure ratings and things of that nature.” Standard Glass Co.-Glass Depots, of Wilmington, is currently testing a new glazing system using Built Environments’ stress testing, the partners said. One method involves what’s called a “large missile cannon.” “We take 8-foot two-by-fours, and we shoot them at assemblies, so they have to withstand that impact,” Davis said. “It’s pretty cool to see, I’m not going to lie.” In many cases, the lab can run a full, wall-scale test of a product in a matter of weeks or months, whereas “it might take midrange manufacturers years,” Doggett said. “We’re nimble. We can cut that time in half.” The lab also develops intellectual property. Doggett, for example, shares a patent with Sustant LLC, of Minnesota, on a fastener patch to increase the air and water tightness within building envelopes. “We have too many ideas and not enough time,” he said. But the partners noted that they or their fellow principals – of which the company has four total, including a principal engineer and a principal codes and standards expert – could be anywhere on a given day, including in the courtroom providing expert testimony in contentious insurance cases. “Let’s say there is a fire on a structure,” Davis said. “We can analyze all the specific materials within that assembly – an exterior wall or something like that – because there are loads that require certain heat release. And so, we can measure each one of those materials, if need be, to say if this was likely or not a code-approved assembly.” Despite what can be inferred in a lab, the partners said nothing beats learning from how materials change over time under real-world strain. Take, for instance, the curious case of the creaking condo. “We recently had a customer that came to us trying to assess a sound issue of a roof. It was making noises that no one could explain or account for. How do you tackle something like that?” Doggett asked rhetorically. “There’s really no generally agreed-upon methodologies.” The problem turned out to be a faulty installation of a commercial roof system. “The building in this particular case was not local,” he said. “In the initial installation, the commercial roofing contractor installed the wrong fasteners in the wrong locations into the deck, and essentially the solar radiation was causing the building to move quite substantially early in the morning when the sun initially hit that assembly after a quite cool evening, causing the threads on the fasteners to kind of jump within the material, within the metal.” Built Environments designed an effective repair methodology that was within budget, the partners said. “We get the bizarre,” Doggett said. “I will say that’s something that has stayed the same over 25 years.” The partners said they are hiring, and that Cape Fear Community College is one of their main recruiting grounds. Davis and Doggett look for talented people who can understand traditional methodologies yet are open to on-the-job training and new understandings, they said. After all, it’s not just weather that can ruin a building. “My favorite saying is,” Davis said, “‘What are the eight most expensive words in construction? That’s how my daddy used to do it.’”
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