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Tyra Banks To Produce Feature About The Invention Of The Sports Bra
Tyra Banks will bring the stories of Lisa Lindahl, Polly Smith, and Hinda Miller, the inventors of the sports bra, to the big screen.
$55 million gift to fund Marietta College housing, health sciences facility
MARIETTA — Marietta College plans to renovate three first-year residence halls, remove several campus buildings and open a graduate health sciences facility on Fourth Street with support from a $55 million gift commitment from Joe and Linda Chlapaty. President Kathleen Poorman Dougherty announced the commitment Friday during her State of the College address, held during […]
Top business leaders sound the alarm over skilled worker shortage
From the people who keep us safe on the roads to those who wire our homes and are building the infrastructure powering the AI boom, America needs skilled workers. But a new report finds that the nation isn’t doing enough to keep up with demand. NBC’s Christine Romans sits down exclusively with BlackRock’s Larry Fink, Ford’s Jim Farley, Google’s Ruth Porat and Carhartt’s Linda Hubbard, who have come together with an urgent message.
Medical College of Wisconsin gets $50M gift to advance precision medicine
Precision medicine takes into account a person's genes and lifestyle, as well as the environment they live in, to treat their health care needs.
Linda Pauli named 2026 Athena Leadership Award recipient in Alliance
Alliance Area Chamber of Commerce held its annual Business Alliance Awards luncheon on Oct. 16. Here are the winners.
California students post gains in math, science and English in 2025-26
SACRAMENTO, Calif. — California students made gains across key academic and success measures during the 2025-26 school year, with test scores rising in English, math and science while the statewide graduation rate reached a record high of 87.9 percent. For the first time, the state released assessment results and California School Dashboard data together to give families and educators a more complete picture of student performance.English language arts scores increased 0.5 percentage points to 49.3 percent of students scoring proficient or advanced, while math scores rose 1.1 percentage points to 38.4 percent. Science showed the strongest improvement, jumping 3.3 percentage points to 36 percent of students scoring proficient or advanced.The statewide chronic absenteeism rate dropped 1.1 percentage points to 18.3 percent. The suspension rate declined to 2.8 percent, marking the third consecutive year of improvement."At a time when California continues to focus on accelerating learning and closing opportunity gaps, these results provide important evidence that our sustained investments are making a difference," Gov. Gavin Newsom said. "The continued progress we are seeing is a testament to the hard work of students, families and educators across the state—and we will continue working to build on these gains."The percentage of students prepared for college and career increased to 55.2 percent, up 2 percentage points from the previous year. More than 54 percent of graduates completed coursework required for admission to University of California and California State University systems, an increase of 0.9 percentage points."California has made important strides in expanding student supports and opportunities, but the pace of academic improvement reminds us that our work is far from finished," State Superintendent of Public Instruction Tony Thurmond said.Eighth grade students posted the strongest score trends in both English language arts and math. Science performance improved across all tested grades, with the strongest gains at the high school level.African American students demonstrated larger-than-average improvements across English, math and science. Hispanic or Latino students showed larger-than-average improvements in English and math, with positive math score trends across all grades.Students who were socioeconomically disadvantaged made gains across all 3 subjects, including larger-than-average improvements in English and math. Students who were homeless continued to demonstrate gains across grades, with particularly strong improvements in math."We are encouraged to see students making gains across all 3 major assessments and are especially encouraged by the progress of African American students, Hispanic or Latino students, socioeconomically disadvantaged students and homeless youth," said Linda Darling-Hammond, president of the California State Board of Education.The progress comes as California's public school system undergoes significant demographic change. Statewide school enrollment declined to approximately 5.73 million students in 2025-26, nearly 500-thousand fewer students over the past decade.The number of students with disabilities increased approximately 25 percent over the same period, from about 680-thousand to more than 850-thousand students. Graduation rates increased across nearly all student groups, including notable increases for American Indian or Alaskan Native students at 4.3 percentage points and students with disabilities at 3.7 percentage points.In Downey Unified School District, the rate of students demonstrating proficient or advanced grade-level knowledge increased by 2.1 percentage points in English, 2.8 percentage points in math and 4.7 percentage points in science. The district aligned graduation requirements with college admission expectations and invested in inclusive special education practices, expanded career technical education and expanded learning opportunities."The gains Downey Unified is seeing in student assessment results and on the Dashboard are the result of years of focused, consistent work across the district," Superintendent Roger Brossmer said.In Exeter Unified School District, proficiency rates increased by 4.6 percentage points in English, 2.3 percentage points in math and 3.6 percentage points in science. The district placed a strong focus on phonics and the science of reading, particularly in kindergarten through second grade."The gains Exeter Unified is seeing in student assessment results and on the Dashboard are the result of having great people who are focused on the right work, and great students who want to do well," Superintendent Melanie Dorough said.Union Elementary School District saw proficiency rates increase by 1.5 percentage points in English, 2 percentage points in math and 4 percentage points in science. Teachers regularly analyze state and local assessment data to guide instruction, supported by strong core instruction and early literacy strategies."Union Elementary School District's achievement gains reflect a focused, data-driven approach to meeting the needs of every student while fostering a strong sense of belonging, safety and connection," Superintendent Carrie Andrews said.The California Department of Education is examining local results to better understand strategies and conditions associated with stronger student outcomes. The state has made significant investments in recent years, including literacy and math coaching, tutoring, expanded learning opportunities, community schools and universal transitional kindergarten.
'Crystal Lake' review: Linda Cardellini slashes her way through this bloody Friday the 13th prequel
Pamela Voorhees gets extra blood on her hands in this spooky prequel.
Business For Good brings on CEO, plans to expand advocacy, provide training for entrepreneurs
Business For Good San Diego announced it is hiring a full-time CEO. Melinda Casey will join the progressive association this month.
Byron Donalds camp to knock doors with Sydney Gruters, Nick DiCeglie, Linda Chaney as GOP coordinates campaigns
Republicans have a favorable map, but are facing political headwinds nonetheless.
New York lawmaker seeks more data in 'Enough is Enough' law
Amid the Cornell University rape investigation, there’s a new push to update New York’s “Enough is Enough” law.
New York lawmaker seeks more data in 'Enough is Enough' law
Amid the Cornell University rape investigation, there’s a new push to update New York’s “Enough is Enough” law.
Celebrating Excellence in Student Health: District Nurses Earn National Certification - Pine Bush Central School District
We are proud to celebrate two of our very own school nurses, Kathleen Chamberlain and Linda Loennecker, our nursing department chair, for achieving national certification through the National Board for Certification of School Nurses (NBCSN)! Achieving NBCSN certification is a major milestone in school nursing. The rigorous examination tests advanced clinical expertise, specialized knowledge, and … Continue reading "Celebrating Excellence in Student Health: District Nurses Earn National Certification"
This is what the 2026 Nobel prize for chemistry is all about
The Nobel prize in chemistry 2026 has been awarded to two scientists, Henri B Kagan at Paris-Sud University in France and Kensō Soai at Tokyo University of Science in Japan. Their discoveries showed how chemical reactions can produce an overwhelming excess of one of two mirror image forms of a molecule. Science journalist Linda Geddes tells Madeleine Finlay how this has become an important tool in drug development, allowing a greater understanding of how medicines work in the body
Watch Robinhood's Kerbrat on Business Strategy, Crypto
Johann Kerbrat, Senior Vice President and General Manager of Crypto and International at Robinhood, discusses the company's expansion plans and investment opportunities in the cryptocurrency market. He speaks with Haslinda Amin on the sidelines of the Token2049 conference in Singapore.
‘Crystal Lake’ star Linda Cardellini on tackling horror icon in her post-Emmy era (exclusive)
Linda Cardellini is Mother (Voorhees). The ‘Crystal Lake’ star talks about her biggest horror role to date, paying homage to Betsy Palmer’s ‘Friday the 13th’ character, and what’s next after her Emmy win.
50 children in our area hit by cars every year; toxic pond water in Centennial Park; ‘gas station heroin’; plus other stories with Vanderbilt Health sources
In a news report following a Murfreesboro child who was killed by an automobile, reporter Amber Jayanth from WSMV Channel 4 News cited statistics gathered at Monroe Carell Jr. Children’s Hospital at Vanderbilt about pediatric pedestrian injuries. Trauma registry data from Monroe Carell indicates that about 50 children per year on average are treated after being hit by a car. William Schaffner, MD, Professor of Preventive Medicine, was quoted by several news outlets about public health issues, including: CNN (mRNA flu vaccine); ABC News and the American Journal of Managed Care (Pennsylvania measles outbreak); News Channel 5 (blue-green algae in the pond at Centennial Park, which can release toxins that make people and pets sick). WSMV Channel 4 News interviewed Saumya Aujla, MD, Assistant Professor of Clinical Physical Medicine and Rehabilitation, about the health risks of kratom, sometimes called “gas station heroin,” and why Tennessee banned the drug. WTVF News Channel 5 interviewed Brianna Smith, MD, Assistant Professor of Pediatrics, Hematology/Oncology at Monroe Carell Jr. Children’s Hospital at Vanderbilt for a piece on Childhood Cancer Awareness Month. Prevention interviewed Mitchell Gigandet, MD, Assistant Professor in the Neuro-Sleep Division, for a story about MDPI research on caffeine that used EEG imaging to see how the drug impacts sleep. It was found that caffeine may make sleep less restorative even when you fall asleep normally and stay in bed for eight hours. The Wall Street Journal reporter Laura Landro interviewed Joseph Schlesinger, MD, Professor of Anesthesiology Critical Care Medicine, for a story about ICU alarms keeping patients from getting sleep and creating alarm fatigue for nurses. Billboard reporter Melinda Newman interviewed country star Dasha about her upcoming vocal surgery at Vanderbilt Health. The story was picked up by numerous print and radio outlets including People.
Mike Rowe on America’s great tradesperson shortage: ‘I don’t care what your politics are. Math doesn’t care, either’
At Ford Pro Accelerate, Rowe sparred with Education Secretary Linda McMahon and Defense's Mike Duffy about the divide between college and the trades.
Florida Museum welcomes visitors back Nov. 23
Following a large-scale construction project, the Florida Museum of Natural History is delighted to reopen the Ken and Linda McGurn Exhibition Hall to the public on Monday, Nov. 23.
Broward Health Medical Center Dedicates Boyce Haller Family Cardiac Catheterization and Electrophysiology Suite, Made Possible by $5.2 Million Family Gift
(L-R): Michelle Thoman, chief operating officer, Broward Health Medical Center, Eileen LaMarca, consultant for the Broward Health Foundation, philanthropist Linda Haller, Shane Strum, president and CEO of Broward Health, Stacy Angier, commissioner on the North Broward Hospital District Board of Commissioners, and Lauri Littleton, associate chief nursing officer, Broward Health Medical Center, cut the ribbon […]
Building Automation for Good: Energy Efficiency & Business Benefits (VNC Panel Recap)
PANELISTS Emily Lindahl | Oak View Group / Director, Sustainability (moderator)Greg Farley | MD Energy Advisors / Director of Strategic Energy ProgramsOmar
A trailblazer in science and teaching - College of Arts and Sciences
Chemistry Professor Emerita Linda Spremulli will be honored for her lasting impact on generations of scientists ahead of the Linda L. Spremulli Trailblazer Chemistry Symposium on Oct. 2.
4D Wizard Of Oz Success Could Be A Game Changer For Sphere Entertainment Stock
Sphere Entertainment Co. reported that The Wizard of Oz at Sphere in Las Vegas has generated over US$500 million in ticket sales and 4 million tickets since its August 2025 launch, and recently introduced expanded 4D effects including animatronic Winged Monkeys, themed scents, scented apples, pyrotechnic fireworks, and “Glinda Glitter.” The scale of ticket revenue and attendance for The Wizard of Oz at Sphere, combined with continued investment in new 4D effects, suggests that Sphere...
EU science policy wonks debate prospect of stronger ties with Canada
Europe’s research and innovation sector has started asking questions on how European Commission President Ursula von der Leyen’s offer to make Canada “the first associate member of the EU” would actually work in practice, and who will get to shape priorities in a transatlantic relationship that is getting stronger. The Commission says it wants “a new model of association” under which the EU and Canada will aim to develop “a shared space” to face ongoing challenges. “Working in close coordination with our member states and the European Parliament, we will aim to create a new form of partnership that has not existed until now, building the closest imaginable form of association with a partner outside Europe,” a spokesperson told Science|Business.Locked in an escalating trade war with US President Donald Trump, who has repeatedly talked of annexing Canada, Prime Minister Mark Carney has been looking east, but full EU membership was never in play. Taking the floor a day after von der Leyen’s proposal, he agreed to strengthen ties under “an alliance of the future” but reined in enthusiasm on the new label. He also suggested expanding Canada’s involvement in the Erasmus+ student mobility scheme, to which it currently has limited access, and the next iteration of Horizon Europe. Canada joined the present Horizon Europe in 2024, but only contributes to collaborative projects.Neither side has detailed the next practical steps in developing this new relationship. “I think nobody at the moment truly knows how this will work,” said Michael Browne, chief executive and founder of Crowdhelix, a global collaborative network that connects players in research and innovation. “It’s more of a statement of intent for closer collaboration, which requires legislative frameworks and approval processes, which have not started.”Kurt Deketelaere, secretary general of the League of European Research Universities, said von der Leyen’s pitch to Canada is “politically significant, but the legal content still has to be negotiated and constructed.”Mattias Björnmalm, secretary general of the Cesaer university group, agreed that she had only opened “a political door” to Canada, as “associate membership does not come with a predefined set of rights in the EU institutions.”Not only does this status not currently exist as a legal category in the two treaties that set up how the EU functions, but the Commission president cannot unilaterally create a new category of EU membership.According to Deketelaere, Article 217 of the Treaty on the Functioning of the EU, which allows the bloc to make association deals with non-EU countries involving reciprocal rights and duties, is “the most obvious existing legal basis for building a much deeper EU-Canada relationship.”Getting universities involvedNo matter how this new cooperation takes shape, Liviu Matei, who heads the School of Education, Communication and Society at King’s College London, hopes to see universities involved in discussions from an early stage.“Its primary motivations, entirely justifiably, are political and geopolitical,” he said. “In the area of higher education, however, restricting the initiative to political and geopolitical considerations would limit the scope of cooperation and lead to distorted frameworks and counterproductive implementation.”It is all the more important since academic interests on the two sides of the Atlantic are “neither identical nor fully aligned,” Matei added. “This is not insurmountable; it simply requires work to articulate the details of this privileged cooperation, including its governance and funding frameworks, as well as its substantive content in education and research.”Related articlesCanada looks to deepen research and education links with the EUZaharieva hopes for a Horizon Europe deal in 2026Canada might participate in European Research Council schemes, for example, which was not on offer in the present Horizon Europe association agreement. But “there would have to be something in it for the EU,” Browne said. “They don’t want to be funding projects outside of the EU where intellectual property is going to sit outside of the EU. There has to be some kind of transfer of knowledge.”But access to funding will not by itself resolve all the practical difficulties of working together, said Björnmalm. “For researchers and students, these include visas and residence arrangements, recognition of qualifications and study periods, and the conditions for pursuing a research career across borders,” he said. “For universities, there is scope for more predictable access to shared laboratories, computing and research data, and stronger support for joint doctoral training and long-term institutional partnerships.”Linda Doyle, provost and president of Trinity College Dublin, said Europe should strive for the “closest possible expression” of this new political alliance. “If Europe is serious about recovering its voice and its place in the world, it needs to be strongly allied with countries who share its values and its vision for a stable, rules-based, peaceful world.”
Young Australian scientists learn from Nobel Laureates
Nine early-career scientists joined Nobel Prize winners for a week of scientific exchange at the 75th Lindau Nobel Laureate Meeting.
Why Melinda French Gates is shifting her philanthropy on women’s health
The philanthropist is investing in care for women in their midlife.
Beloved '70s Singer, Who Sang With Linda Ronstadt and Neil Young, Was All But Forgotten After Her Death at...
She seemed destined to become one of the era's biggest voices, and some of music's most famous artists knew exactly how special she was.
Melinda French Gates Shares the State of Women’s Health
Melinda French Gates joins the 3rd Hour of TODAY to talk about new surveys from her organization, Pivotal, which found that one in four women are living in fair or poor health. “Women have been telling us this for years, and yet we’re not making changes to really support them in their health,” she says, adding, "I want to make sure that women can get the care they deserve at the right time in life." Melinda also talks about doubling donations at Olivia Rodrigo’s Daisy Chain Fields Festival and opens up about being a grandmother. "They are just the light of my life," she says of her two grandchildren.
How bad healthcare can derail a woman’s entire life
Exclusive: Melinda French Gates on the ways the US health system fails American women — and how to turn it around.
TMJ acquires Felkrem’s women’s football representation business
Dallas-based women's soccer agency TMJ has acquired Felkrem's women's soccer representation business, bringing Colombian forward Linda Caicedo and defender Kate Del Fava to the firm.
Truth and Politics in the Age of Post-Truth
Get E-International Relations delivered to your inbox, free of charge. As you sign up, consider becoming a paid subscriber, or make a donation, to support our work. Subscribe This is an excerpt from Global Politics in a Post-Truth Era. You can download the book free of charge from E-International Relations. The term post-truth is by now so ubiquitous in describing the state of politics in the Western world and even beyond that the most pressing issue of the day appears to be about making democracy work in the era of post-truth rather than questioning the normalisation of the term itself in the first place. The critical turning point appeared to have occurred in 2016 when the term was chosen by the Oxford English Dictionary as ‘The Word of the Year.’ On its website, the Dictionary notes the transformation of post-truth from ‘being a peripheral term to being a mainstay in political commentary and connects ‘the spike in frequency’ directly with the Brexit referendum in the United Kingdom and the election of Donald J. Trump in the United States – both occurring in 2016. Paired with the noun ‘politics,’ post-truth is defined as an adjective ‘relating to or denoting circumstances in which objective facts are less influential in shaping public opinion than appeals to emotion and personal belief.’ The Oxford English Dictionary traces the first use of the term to a 1992 essay in The Nation by the playwright Steve Tesich as he reflected on the 1980s Iran-Contra scandal and the 1990–91 Gulf War: We are rapidly becoming prototypes of a people that totalitarian monsters could only drool about in their dreams. All the dictators up to now have had to work hard at suppressing the truth. We, by our actions, are saying that this is no longer necessary, that we have acquired a spiritual mechanism that can denude truth of any significance. In a very fundamental way we, as a free people, have freely decided that we want to live in some post-truth world (Tesich 1992, 13; emphasis added). He then continued, The Gulf War is over but the war at home goes on. The gulf between rich and destitute widens – between those of us who live in a modern post-industrial nation and those of us who live in the Third World countries of our inner cities. The present administration’s response to this internal crisis has shifted from benign to malignant neglect. The current levels of misery and decomposition of our cities and the economic gulags of our ghettos are acceptable. Since there is only so much hope to go around, there is a freeze on hope. The have-nots have now been reclassified as never-will-haves (Tesich 1992, 13). In the context of Tesich’s essay, truth includes both facts, as in what happens, and ‘moral absolutes,’ as in the ‘self-evident truths mentioned in our Constitution’ (Tesich 1992, 14). Together, these two notions of truth entail the obligation to both act and react. The two passages cited above show that even in the early post-Cold War years, Tesich was already deeply concerned that the American people are neither prepared to act on truth nor react to truth that is disconcerting, or what he calls ‘bad news’ (Tesich 1992, 12). Accordingly, Tesich’s insight as captured by the term post-truth is not that truth is irrelevant to what we know, but rather it is irrelevant to how we act. In contrast, ‘post-truth politics,’ as defined by Oxford as a term that pitches ‘objective facts’ against ‘emotion and personal belief’ such that the latter appears to have overtaken the former in shaping ‘public opinion’ and thereby, democratic politics. When Tesich’s post-truth politics and its current usage are juxtaposed, the two are in fact not identical in terms of what truth is and how it relates to politics. Against such consideration, this chapter provides a critical survey of selected historical events and theoretical considerations for the purpose of gaining a more nuanced understanding of the relation between truth and politics. Truth and Language One notable impact of post-truth politics is that language is being overtly deployed as a political weapon not only by politicians and those in power, but among the general population. It seems that once facts are irrelevant to the validity of what is being said, language becomes the platform for an all-out political contest in which what is said is no more than an act of will expressed as an assertion of power and/or an exercise in defiance. As early as in the writings of Thucydides (460–400 BCE), the vulnerability of logos – which is the human capacity for rational discourse in tumultuous times – was already noted. Thucydides belonged to a school of Greek thought which maintained that language is conventional and that the association between name and things is a result of ‘human use and habit’ rather than ‘nature or divine dispensation’ (Connor 1984, 99). The conventional nature of language means that it is incapable of providing its users with any independent criteria for judgement. In Thucydides’ study of the Peloponnesian War (431–405 BCE), the subversion of logos as seen in the manipulation of language was introduced through his account of the civil war in Corcyra (Thucydides 1972, 236-245). The war first broke out in 427 BCE between the pro-Athenian democratic faction and the pro-Spartan oligarchic faction before it spread to the rest of the Greek world. There was a general breakdown of law and order, resulting in extreme violence and death. Language underwent changes that were reflective of the events of the time. The English philosopher Thomas Hobbes (1588–1679) translated Thucydides’ description of the situation as follows: The received value of names imposed for signification of things, was changed into arbitrary. For inconsiderate boldness, was counted true-hearted manliness: provident deliberation, a handsome fear: modesty, the cloak of cowardice: to be wise in everything, to be lazy in everything... he that had been so provident as not to need to do the one or the other, was said to be a dissolver of society, and one that stood in fear of his adversary. In brief, he that could outstrip another in the doing of an evil act, or that could persuade another thereto that never meant it, was commended (Hobbes 1839–1845, 8: 348; Thucydides 1972, 242-243). What concerned Thucydides most was that the meanings of words are no more than linguistic conventions that require logos to support them. The Corcyrean civil war was a reminder that such capacity cannot be assumed. This is why history understood as an authentic account of what happens matters. Guided by logos, the historian’s task is ‘the search after truth’, which is established through ‘the absence of the fabulous,’ including ‘the rejection of myth and unverifiable stories’ (de Jonge 2017, 2). Thus, history plays an important role in facilitating the stability of language – without which distinctions and judgements cannot be rendered communicable. Just like Thucydides, Hobbes was a nominalist who subscribed to the view that there is no inherent meaning to words. Hobbes’ state of nature, where there is no common authority, is precisely one in which distinctions cannot be made. As Hobbes put it, there is ‘no Mine and Thine distinct’ nor is there distinction between ‘the notions of Right and Wrong, Justice and Injustice’ (1968, 188; emphasis in original). This is clearly an unsustainable condition for everyone. Behind Hobbes’ famous words that life in the state of nature is ‘solitary, poor, nasty, brutish, and short’ is his uncompromising argument for the ‘Leviathan’, which is described by the late American political theorist, Sheldon Wolin (1922–2015), as the ‘sovereign definer’ (Hobbes 1968, 186; Wolin 2004, 238–243). Accordingly, the social contract is importantly a ‘linguistic contract’ that binds all parties to ‘general names agreed upon’ (Peters 1979, 125; Hobbes 1968, 111). Through Thucydides and Hobbes, we can identify a line of thinking that sees politics as a contestation over the use of language, which is based on shared conventions and norms. Thus understood, politics is not a collective quest for the true nature of our being or an epistemological exercise in pursuit of true knowledge. Rather, politics is about humans living with one another by finding a shared language to communicate with one another on matters that affect them all. Truth is in that sense contingent on what is being said as opposed to setting the standard for it. In other words, truth is the embodiment of shareability among us. While truth as such ensures the viability of a political entity, truth by no means represents a normative standard to adjudicate among contesting actors in what they say, let alone in what they do. During Thucydides’ times, ancient China was also experiencing a tumultuous time as the ruling Zhou dynasty deteriorated into the period of the Warring States (481–221 BCE). This was when the rulers of Zhou no longer presided over the territories brought under its control through conquest. Instead of professing allegiance to the Zhou royalty, the lords of these territories became kings themselves to rule over their own land. The period was one marked by endless military campaigns as each of the seven major states aimed to conquer the rest (Lewis 1999). Yet, the period was also known for its intellectual vibrancy as different thinkers challenged the restoring of order among these warring states – including offering ideas and advice to rulers on good governance. Among these thinkers was Confucius (551–479 BCE). His thought, which came to be known as Confucianism, went on to become the state ideology of China from the Han dynasty (206 BCE–222 CE) until the end of the Qing dynasty in 1911 when China became a republic. The founding text of Confucianism was the Analects, which is a collection of dialogues between Confucius and his students as recorded by them. One key concept Confucius advanced is the ‘rectification of names’. Though the term only appears in one exchange in the Analects, it is considered a major aspect of Confucius’ thought. Generations of Confucian scholars from past and present, including Western academics, have debated over its interpretation (Makeham 2003). The passage in question reads as follows: Zi Lu said: ‘The monarch of the state of Wei wants you to govern the country, what is the first thing you plan on doing?’ Confucius said: ‘First it is necessary to rectify the names.’Zi Lu said: ‘Is that really what has to be done? You are being too pedantic, aren’t you now? How will you rectify these names?’Confucius said: ‘Zhong You, you are too unrefined. A gentleman, faced with a matter that he does not understand, takes a skeptical attitude. If names are not correct, one cannot speak smoothly and reasonably, and if one cannot speak smoothly and reasonably, affairs cannot be managed successfully. If affairs cannot be managed successfully, rites and music will not be conducted. If rites and music are not conducted, punishments will not be suitable. And if punishments are not suitable, the common people will not know what to do. So, when the gentleman uses names, it is necessary to be able to speak so that people understand. If one can say it, one can definitely do it. A gentleman should not be careless with words’ (Analects 13:3 in Cao 2016, 148). This translation is offered by the contemporary philosopher Cao Feng. As Cao notes, the passage is what started the whole debate over ‘exactly what kind of names did Confucius... wish to rectify’ (Cao 2016, 148). Of the three major groups of interpretation examined by Cao, beginning with classical Confucian scholarship, one is arguably the most influential and certainly most pertinent to the issue of language and politics. This is the interpretation that was first associated with the Neo-Confucian master, Zhu Xi (1130–1200), who argued that the ‘rectification of names is simply the rectification of politics’ (Cao 2016, 149). Within this interpretive framework, rectification has the dual functions of correction and prescription by ensuring that predetermined hierarchical roles are strictly adhered to through following ‘the system of rites and propriety’ (Cao 2016, 151). In addition, the rectification of names entails ‘using names to rectify actuality’ (Cao 2016, 151). Yet Cao rejects this whole body of interpretive works by arguing that these were ideas developed later. Instead, Cao suggests the following: The original meaning of Confucius’ rectification of names may, then, be quite simple. Confucius did not mean to establish a concrete, normative system of “names”; rather, Confucius was simply the first person in history to realize or remark upon the importance of language in politics. As a politician, he noticed and foresaw the impact that the indeterminacy, ambiguity, and arbitrariness of names would have on politics. Confucius recognized the political consequences of language’s not accurately expressing meaning or not being accurately received by people. He realized the great role that names, as a means of distinguishing right and wrong and establishing norms, could play in society and politics (Cao 2016, 168). Scholarly debates aside, Cao’s view has the advantage of identifying an interpretation of this controversial exchange in the Analects that enables its readers to extrapolate from it the observation that the meaning of words depends as much on their users as on their interpreters; neither of which can be predetermined. Accordingly, a good ruler is someone who can speak without ambiguity to his subjects and make good his words through actions. Stated differently, Cao’s view on what concerned Confucius then, who was living through times of protracted political upheaval, is that language is an indispensable political tool for those in power and can be deployed by both good and bad rulers alike. To sum up, this historical survey shows that politics as a war of words is by no means a distinctive marker of contemporary politics nor the Western world. Be it ancient or current, east or west, language is subject to manipulation to serve political purposes and when there is an outright war of words that defies existing norms, it is indicative of a political situation in which people no longer share a language and truth becomes irrelevant. Accordingly, political order entails stability in language use. Truth and Politics As previously noted, current use of the term post-truth as an adjective to the term ‘politics’ suggests that once there was a time when politics aligned with truth. Indeed, if we start with Plato’s Republic as the key founding text of Western political thought, we see that the ideal polis (city-state of ancient Greece) is where truth and politics converge, and justice is achieved. Written around 380 BCE when Athens was still coping with its defeat by the Spartans in the Peloponnesian War, the Republic is a defence of the rule of the ‘philosopher king’, defined as someone who is ‘guided by the truth’ and is ‘always and in every way’ in pursuit of the truth (Plato 1974, 490a). For Plato, truth converges with virtues and hence, letting the philosopher take charge of politics is to let the wisest and the most virtuous lead the less wise and the less virtuous even if it requires compulsion (Plato 1974, 499b). In Plato’s words, ‘…until the philosophers attain power in a city there will be no respite from evil for either city or citizens…’ (Plato 1974, 501e). The uncompromising rule of philosopher-kings is made palatable by the claim that we are all ‘earth- born brothers’ with random mixtures of gold, silver, bronze and iron, but only the gold can rule (Plato 1974, 414–415). Understandably, academic debates over the interpretation of Plato’s Republic revolve around the question of whether truth as attained in philosophy can be realised in politics as action and whether such a connection is even desirable. Without getting into the details of these scholarly exchanges, I suggest that they all share the concern that truth acquired through the rigorous process of philosophical reasoning is not without problem when applied to the real world of living humans. This is because not all humans are philosophers – and indeed, in Plato’s view, not everyone is capable of becoming a philosopher given the protracted and arduous training that one needs to endure to become one. Hannah Arendt (1906–1975), a highly influential political philosopher of the twentieth century, notes that ‘Plato was the first to introduce the division between those who know and do not act and those who act and do not know’ and that such a separation has remained ‘at the root of all theories of domination’ (Arendt 1958, 223, 225). What Arendt points out in this remark is not the gap between theory and practice, but rather that Plato provides the normative ground for those who know the truth to tell those who do not know what to do. Arendt herself took on the challenge of understanding the relationship between truth and politics through her analysis of Nazism and Stalinism. Arendt’s insight, which was controversial when The Origins of Totalitarianism was published in 1951, was to identify Nazism and Stalinism as representative of a new form of political rule – totalitarianism – making it distinct from ‘other forms of political oppression... such as despotism, tyranny and dictatorship’ (Arendt 1973, 460). Arendt defines totalitarianism as a self- contained system of ideas driven by their ‘logic’ and marked by a mode of reasoning called ‘ideological thinking.’ Ideological thinking as such is a distinctive form of political reasoning defined by three characteristics. First, ideological thinking claims to provide a ‘total explanation’ of all historical happenings, encompassing the past, the present, and the future. Second, while ideological thinking is an attempt to account for ‘factual reality’ in its totality, this mode of thinking is paradoxically divorced from reality and experience. This is because experience, being rooted in specificity, is clearly limited in its claim to totality. It follows that as its third characteristic, ideological thinking aims to emancipate thought from the limitation imposed by experience through a ‘specific method of demonstration.’ The method involves arranging facts into an ‘absolutely logical procedure’ that starts from an ‘axiomatically accepted premise’. It is, in short, a ‘process of deduction from a premise’ – which is the only possible movement in the realm of logic that leads to one definitive conclusion. This is how the ‘logicality of ideological thinking’ provides the basis for total explanation and the ‘principle of action’ for totalitarian movement (Arendt 1973, 468–474). Stated differently, totalitarianism is a form of uncompromising idealism that exists in one’s head irrespective of shared reality as experienced. It is the perverse form of what Arendt later refers to as ‘rational truth’, which is the product of the ‘speculative mind’ that belongs to philosophy, mathematics and the sciences. The ‘speculative mind’ is the mind working on its way to generate axioms and theories by relying on the cognitive capacity of the human brain (Arendt 1977, 231). The presence of others has no bearing whatsoever on rational truth. In contrast, ‘factual truth’ is what happens when humans are ‘living and acting together’ (Arendt 1977, 231). Factual truth is therefore particular and temporal by definition. But more importantly, factual truth is ‘political by nature’ because it can only be validated in the context of the human community (Arendt 1977, 238). In other words, factual truth is about humans in their plurality rather than in their singularity. For factual truth to be sustainable, we need what Arendt calls ‘common sense’ – understood as ‘community sense’ (Arendt 1982, 72). There is also another distinction about truth that Arendt makes which is pertinent to understanding how totalitarianism works. The issue is whether the so-called totalitarian ideology is simply an unnecessarily cumbersome way of saying that it is an all-round and polished lie. Here, Arendt calls totalitarian ideology the ‘modern lie’ – in contrast to the ‘traditional lie’. The latter is restricted by two conditions: that it is a lie about the ‘particulars’ and that it deceives only the ‘enemy’ – which means that the liar is not engaged in self- deception. The modern lie, however, involves a ‘complete rearrangement of the whole factual texture’. It also intends to deceive everyone alike, to the extent that those who initiate the lie eventually ‘fall victims to their own falsehood’ (Arendt 1977, 249–254). This distinction between the traditional and modern lie is important. It indicates that not only is totalitarianism a lie, but the lie is in fact too big to fit into the standard meaning of the word. To tell a lie from truth, we need a common standard. In the case of a traditional lie, the common standard is precisely ‘the fabric of factuality’. As such, a lie always appears as a ‘tear’ to that fabric. Yet, modern lies require making a surrogate reality with a completely different context for facts to fit ‘without seam, crack, or fissure, exactly as the facts fitted into their original context’. Arendt notes that as long as those who concoct the surrogate reality are prepared to engage in self- deception to ‘create a semblance of truthfulness’, there is nothing to prevent ‘these new stories, images, and non-facts from becoming an adequate substitute for reality and factuality’ (Arendt 1977, 253–254). Totalitarianism therefore requires a person to stand outside of the system itself in order to make sense of it. Arendt points out that it is futile for us to argue with (for example) a Nazi or a Stalinist on race or class. To confront totalitarianism requires more than just a confrontation with specific facts. It is a more fundamental confrontation between reality as experienced and its total rejection. This means that Nazism and Stalinism are more than radical ways of conducting racial conflict or class struggle. Rather: Totalitarian politics – far from being simply antisemitic or racist or imperialist or communist – use and abuse their own ideological and political elements until the basis of factual reality, from which the ideologies originally derived their propaganda value– the value of struggle, for instance, or the interest conflicts between Jews and their neighbours – have all but disappeared (Arendt 1973, xv). Accordingly: The ideal subject of totalitarian rule is not the convinced Nazi or the convinced Communist, but people for whom the distinction between fact and fiction (that is, the reality of experience) and the distinction between true and false (that is, the standards of thought) no longer exist (Arendt 1973, 474). Who then is the ‘ideal subject’ of totalitarianism? Although there is a revival of interest in Arendt’s observation on truth and politics since the onset of post- truth politics, not enough has been said about her reply to the question (Hyvönen 2018; Klinkler 2018; Lee 2019; Zerilli 2020). Yet if we take a look at Arendt’s portrait of this ideal subject, her view is even more pertinent to our current challenge. As a self-contained system of ideas that is detached from experience, totalitarian thinking offers consistency in ways that reality cannot. Arendt notes that this kind of consistency is especially appealing to those who have lost a sense of bearing in the world (Arendt 1973, 353). They constitute what she calls the ‘masses’. The ‘mass man’ is thus a highly isolated and atomised individual, who is ‘obsessed by a desire to escape from reality’ (Arendt 1973, 318, 352). In his ‘essential homelessness’ the mass man can ‘no longer bear its accidental, incomprehensible aspects’ (Arendt 1973, 352). This longing for escape from reality is a ‘verdict against the world’ in which one is ‘forced to live’ but ‘cannot exist’ (Arendt 1973, 352). Such a situation is ripe for the ‘revolt of the masses’ against ‘common sense,’ which is ‘the result of their atomisation, of their loss of social status’ and with it, the ‘whole sector of communal relationships in whose framework common sense makes sense’ (Arendt 1973, 352). In short, the masses are people who are considered to be ‘superfluous or can be spared … [who] cannot be integrated into any organisation based on common interest’ (Arendt 1973, 311). Whether one agrees with Arendt’s analysis of the social conditions in the interwar years that led to the formation of the ‘masses’, her portrait of the ‘mass man’ is a powerful account of what can happen to an individual who has become disposable to the society that they used to belong to. Hand in hand with this phenomenon is indeed the collapse of ‘common sense’ that leaves the dislodged individual scrambling for reconnection. By offering the masses a substitute reality validated by the ‘logic of an idea’ rather than by experience, totalitarianism makes it possible for them to live in a world where there is no condition of plurality. Between ‘facing the anarchic growth and total arbitrariness of decay’ and ‘bowing down before the most rigid, fantastically fictitious consistency of an ideology’, the masses will likely ‘choose the latter’ (Arendt 1973, 352). A world created by ideology, then, is more attractive to the masses not because ‘they are stupid and wicked, but because in the general disaster this escape grants them a minimum of self- respect’ by conjuring up ‘a lying world of consistency which is more adequate to the needs of the human mind than reality itself’ (Arendt 1973, 353). Moreover, it is precisely this ability to guarantee consistency that makes it possible for the leaders of totalitarian movements to demand ‘total, unrestricted, unconditional and unalterable loyalty of the individual member’ (Arendt 1973, 323). While this chapter is not a study of the social factors that led to specific contemporary developments such as the result of the Brexit referendum or the election of Donald Trump in 2016, Arendt’s ‘mass man’ seem to have found their counterparts among the supporters of Brexit and Trumpism. Studies of voters’ profiles in both events point to a disproportionate share of supporters from white male lower income backgrounds without university educations. These are individuals who have either already lost their jobs to globalisation or who are at high risk of losing their job with very little capacity to be retrained for the twenty-first century market economy of advanced industrialised states (BBC 2016; Pew Research Center 2018). In short, these displaced workers are part of the tapestry forming the modern equivalent of Arendt’s ‘mass man’ – ready to be the recruits of totalitarianism. Conclusion If we step back to take a more comprehensive approach to the relationship between truth and politics, both historically and theoretically, it is not so obvious that 2016 is a defining moment. From ancient China and ancient Greece to our so-called post-truth age, the indeterminacy of language appears to be a persistent political challenge. Language is always open to manipulation by its users to serve power. Nonetheless, the tendency these days is to single out the ubiquity of social media and the proliferation of Internet platforms as the incubator for the countless cyberwars of words that in turn fuel the real world of politics. In this context, language is no longer the conveyor of objective facts and accurate information, but rather the medium for expressing subjective opinions and feelings, as captured by the Oxford Dictionary’s definition of the term ‘post-truth politics’. In contrast, the historical approach used in this chapter shows that it is in fact too easy to point the figure at the Internet and digital communication for the political challenge that we face today. What is being suggested here is that with or without the Internet, language, be it used to convey facts or emotions, is simply a tool for communication that humans have invented. While language per se cannot adjudicate what is true or not true, what is right or wrong, it embodies such capacity when language is a shared norm. That shared norm cannot be sustained without some semblance of cohesion in any given community. Any war of words, irrespective of its platform, is indicative of the breakdown of such cohesiveness. Returning to the original context in which the term post-truth politics was first used by Steve Tesich helps to identify the important distinction between truth as the standard for knowledge and truth as the standard for action. The two do not necessarily coincide. Placed in the context of the history of political thought, this distinction is in fact at the heart of Plato’s Republic. Yet when the philosopher as the quintessential bearer of truth becomes king, the polis that he rules over is far from the ideal of a just state that it purports to be. Instead, it is one that is held together by lies and coercion. What Arendt reveals through her study of Nazism and Stalinism is that it is dangerous for the kind of truth that philosophy generates – ‘rational truth’ – to become the guide to politics. Politics guided by rational truth can only be uncompromising and follows a logic of its own that cannot afford the ambiguity and indeterminacy of reality as lived experiences of humans. A world of post-truth politics can be an opportunity for a new kind of politics if it is indeed about dismantling the idea that truth is the ideal that politics should strive for. But as it stands, the post-truth politics of today is more about invoking a past that never exists to judge the presence as a crisis in naming when the real crisis is about rebuilding a shared space that has room for all – be they of the left, right or centre; cosmopolitan or parochial; civic-minded or self-centred; liberal-minded or bigoted. Politics is and always will be about striving for that space, without which no human can thrive. References Arendt, Hannah. 1958. The Human Condition. Chicago: The University of Chicago Press. Arendt, Hannah. 1973. The Origins of Totalitarianism. Rev. ed. New York: Harcourt Brace Jovanovich. Arendt, Hannah. 1977. “Truth and Politics.” In Between Past and Future, 227–264. New York: Penguin Books. Arendt, Hannah. 1982. Lectures on Kant’s Political Philosophy, edited by Ronald Beiner. Chicago: University of Chicago Press. British Broadcasting Corporation. 2016. “Brexit vote: The breakdown.” BBC News, December 7, 2016. https://www.bbc.com/news/uk-politics-38227674 Cao, Feng. 2016. “A New Examination of Confucius’ Rectification of Names.” Journal of Chinese Humanities 2: 147–171. https://doi-org.subzero.lib. uoguelph.ca/ doi/ 10.1163/23521341-12340032. Connor, W. Robert. 1984. Thucydides. Princeton: Princeton University Press. de Jonge, Casper C. 2017. “Dionysius of Halicarnassus on Thucydides.” in The Oxford Handbook of Thucydides, edited by Sara Forsdyke, Edith Foster, and Ryan Balot. Oxford University Press. DOI: 10.1093/ oxfordhb/9780199340385.013.17 https://www-oxfordhandbooks-com.subzero. lib.uoguelph.ca/view/10.1093/oxfordhb/9780199340385.001.0001/oxfordhb-9780199340385 Hyvönen, Ari-Elmeri. 2018. “Careless Speech: Conceptualizing Post-Truth Politics.” New Perspectives 26 (3): 31–55. https://www.proquest.com/ scholarly-journals/careless-speech-conceptualizing-post-truth/ docview/2204515132/se-2?accountid=11233. Hobbes, Thomas. 1839–1845. The English Works of Thomas Hobbes, edited by Sir William Molesworth. London: John Bohn. Vol. 8. Klinkner, Melanie. 2018. “Reasonable Truth.” International Journal of Media & Cultural Politics 14 (3): 393–99. doi:10.1386/macp.14.3.393_7. Lee, Haiyan. 2019. “When Nothing Is True, Everything Is Possible: On Truth and Power by Way of Socialist Realism.” PMLA/Publications of the Modern Language Association of America 134 (5). Cambridge University Press: 1157–64. https://doi.org/10.1632/pmla.2019.134.5.1157 Lewis, Mark E. 1999. “Warring States Political History.” In The Cambridge History of Ancient China: From the Origins of Civilization to 221 BC, edited by Michael Loewe and Edward Shaughnessy, 587–650. Cambridge: Cambridge University Press. Makeham, John. 2003. “Zheng ming (Rectification of names).” In RoutledgeCurzon Encyclopedia of Confucianism, edited by Xinzhong Yao. Vol. 2: 813-814. New York: Routledge. Oxford Languages, n. d. “Word of the Year 2016.” Accessed 19 August 2017. https://languages.oup.com/word-of-the-year/2016/ Peters, Richard. 1979. Hobbes. Westport: Greenwood Press. Pew Research Center. 2018. “An examination of the 2016 electorate, based on validated voters.” Report, August 9, 2018. https://www.pewresearch.org/ politics/2018/08/09/an-examination-of-the-2016-electorate-based-on- validated-voters/ Plato. 1974. Republic. Translated by G. M. A. Grube. Indianapolis: Hackett. Tesich, Steve. 1992. “Watergate Syndrome: A Government of Lies.” The Nation: 12-14. January 6/13, 1992. Thucydides. 1972. The Peloponnesian War. Translated by Rex Warner. Harmondsworth, England: Penguin Books. Wolin, Sheldon. 2004. Politics and Vision: Continuity and Innovation in Westen Political Thought. Expanded Edition. Princeton: Princeton University Press. Zerilli, Linda M. G. 2020. ‘Fact-Checking and Truth-Telling in an Age of Alternative Facts.’ Le foucaldien 6, no. 1: 2, 1–22. Theresa Man Ling Lee is an Associate Professor of Political Science at the University of Guelph (Canada). Lee is a political theorist who specializes in contemporary political thought. Her research and teaching areas include continental philosophy, Marxism and critical theory, feminism, postmodernism, philosophy of social science, psychoanalysis, multiculturalism, human rights, disability studies, modern Chinese political thought and comparative political theory. Lee has published on a wide range of subjects in these areas, including intercultural pedagogy and the challenges of teaching as a person with multiple minority designations in a Canadian university classroom.
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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. 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Now that the kids are in college, Rod and Linda Windley are looking to sell their not-so-little piece of heaven in Sandy Springs, Ga., for $18.25 million.
Drummond: Yorba Linda helps its small businesses to adapt, thrive
Jim Drummond is a longtime Yorba Linda resident. He regularly gives his take on local issues.
Why politicians are punchlines at the Edinburgh Fringe
There was a time when satire had an easier gig. Politicians said something ridiculous, comedians made fun of them, audiences laughed, and everyone went home. Subscribe Now the joke is often the headline. In a world where the unbelievable regularly makes the news, where politics can veer into parody before the comedians have had time to write the punchline, you might reasonably wonder: is satire running out of material? Not in Edinburgh. At the Fringe, I can confirm satire has a pulse, even in a relentless and rapid news cycle. Politicians as punchlines Take NewsRevue, the world’s longest-running live sketch show, where politicians are turned into punchlines at industrial speed. Its latest target? Andy Burnham - or, more accurately, his doppelganger, pictured below in the middle. The joke, he tells us, is that there have been so many politicians coming and going that even satire risks suffering from political fatigue. But perhaps that revolving door is precisely why comedy matters. When the news cycle moves faster than our ability to process it, comedians can hold up a mirror - and make us think twice. Small talk Take Ayoade Bamgboye, the Saturday Night Live UK star who won the Best Newcomer prize at last year’s Edinburgh Comedy Awards. Her Fringe debut was critically acclaimed; this year she is turning her attention to one of Britain’s most baffling social rituals: small talk. Share It’s a reminder that satire doesn’t always need a politician in its sights. Sometimes the target is simply us civilians - the strange little rules and rituals we have collectively agreed to pretend are normal. Politics and Palestinian identity For British-Palestinian comedian Sami Abu Wardeh, pictured below, comedy has a more urgent job. His new show, Sami Abu Wardeh Hates You, asks who gets to hate, and whether anger belongs to everyone, not just the far right. His comedy confronts politics and Palestinian identity while refusing to surrender the simple business of making people laugh. Shakespeare meets climate crisis And then there is HAM: an “eco-hijacking” of Hamlet, which its creators describe as “a sordid wrestle between a vegan and a sausage-lover”. Shakespeare meets the climate crisis. Meat meets moral panic. The end result? You’ll leave promising to become vegan and swiftly bulk buying Linda McCartney sausages. HAM was created by theatre company Hotter Project, aka Ell Potter and Mary Higgins, pictured below. They say comedy helped them avoid the preachiness sometimes associated with climate activism - using Shakespeare as a vessel for uncomfortable questions about the planet, politics and the way we live. Perhaps that is satire’s secret weapon. It doesn’t necessarily make the world less absurd. It makes the absurdity crystal clear. And at a moment when reality increasingly feels like it has been written by a sketch writer, the Fringe is proving there is still plenty to laugh and cry at. Satire isn’t dead. It’s alive, subletting and having the time of its life at the Fringe. Subscribe Share Channel 4 News Leave a comment
Lindale business owner jailed for selling counterfeit luxury goods
A Lindale business owner is behind bars after he was charged with selling counterfeit merchandise of six different high-end fashion brands, according to court records.
Pictures: Sentinel 150 — Politics in Orlando panel discussion
Former Orange County mayors Linda Chapin and Teresa Jacobs; University of Central Florida Political Science Associate Professor Aubrey Jewett, and AdventHealth Senior Vice President of Advocacy and Public Policy Michael Griffin answer…
New York Comic Con 2026 confirms movie and TV panels (exclusive)
New York Comic Con 2026 panels confirmed for Marvel TV, ‘American Horror Story,’ ‘Crystal Lake,’ ‘Yaga,’ and more. Get the details.
New York’s physician shortage is creating a health care crisis
Congress must act to stabilize Medicare payments to help encourage more physicians to establish practices in high-need communities.
Indigo Girls to share songs, stories at Columbus Commons in September
The Indigo Girls and special guest Linda Perry will perform in the Bicentennial Pavilion at the Commons on Sept. 16.
Loma Linda University Health and Lifepoint Rehabilitation Break Ground on new Inpatient Rehabilitation Hospital in Loma Linda
Loma Linda University Health and Lifepoint Rehabilitation, an operating division of Lifepoint Health, celebrated a major milestone today as they officially broke ground on the new Loma Linda University Rehabilitation Hospital, a free-standing hospital that will include 80 dedicated rehabilitation beds. “For three decades, our East Campus Hospital has provided comprehensive rehabilitation services to those […]
Watch NYSE President on Asia Business, IPO Pipeline
Lynn Martin, President at the NYSE Group, discuses the exchange's business strategy and priorities in Asia, as well as the IPO pipeline in the US. She speaks with Paul Allen on Insight with Haslinda Amin.
Nurses chase cyclospora, aided by interviews, fast-food receipts
More than 900 people in Washtenaw County, Michigan, have been sickened with cyclosporiasis since mid-June. Linda Kim, a public health nurse, has called more than 100 of them. Almost everyone has said the same thing: It’s excruciating, and one of the worst illnesses they’ve experienced.
Linda Blair offers update on ‘bizarre’ raid of her property over reported kennel operation
Linda Blair is glad that that the ‘bizarre’ search of her property could ‘shed light’ on the animal rescue crisis amid the active investigation of a ‘kennel operation.’
Linda Perhacs found ‘safe’ 8 months after 82-year-old folk singer went missing
Linda Perhacs, a pioneering psychedelic folk musician, has been found safe eight months after she was discharged from a Los Angeles-based residential care facility.
Folk singer Linda Perhacs, 82, has been missing for 8 months
Linda Perhacs, the psychedelic folk artist known for her rediscovered album "Parallelograms," has been missing for nearly eight months as her loved ones seek out answers.
Folk music pioneer Linda Perhacs declared missing as loved ones seek public’s help
Linda Perhacs, the pioneering psych-folk musician whose dormant career underwent a renaissance in the mid-2010s, is missing. Perhacs’ friends and collaborators are seeking the public’s help in locating her.
Summer heats up arts, entertainment scene for Dispatch reporter
Dispatch reporter Belinda M. Paschal shares a look at the arts and entertainment beat, breaking/trending news and upcoming stories.
Summer heats up arts, entertainment scene for Dispatch reporter
Dispatch reporter Belinda M. Paschal shares a look at the arts and entertainment beat, breaking/trending news and upcoming stories.
Melinda French Gates says it took 3 doctors to diagnose the condition she was suffering from
Melinda French Gates says it took three doctors to diagnose her perimenopause, revealing a startling gap in OB-GYN menopause training nationwide.
Melinda French Gates Struggled to Get Perimenopause Care
The philanthropist said that even in her “unbelievably privileged situation,” it took three different doctors to diagnose her.
Freedom, trust and the future of science: Nobel laureates reflect on the ideas shaping tomorrow
Behind every scientific discovery are years, sometimes decades, of fundamental research, failed experiments, uncertain funding, international collaboration and the freedom to pursue questions without knowing where they might lead. The Nobel laureates recently gathered at the 75th Lindau Nobel Laureate Meeting in Germany argued that scientific breakthroughs depend on far more than brilliant ideas alone. Those conversations unfolded against the backdrop of Russia’s full-scale war against Ukraine, ongoing conflicts in the Middle East and growing geopolitical competition. The question running through the discussions was therefore broader than science itself: what conditions make discovery possible? ‘Europe is a space of freedom’
Billy Joel credits this music legend, who turns 80 today, for his hit song ‘Just the Way You Are’
Billy Joel says a multi-platinum music legend is responsible for making his megahit song ‘Just the Way You Are’ a hit: ‘She talked me into it’
Tom Brady: This is how we can democratize health and wellness like never before
NFL legend and eMed chief wellness officer Tom Brady and eMed CEO Linda Yaccarino discuss eMed's mission on 'The Claman Countdown.'
Watch Eternal Founder Goyal Bets on Health Tech, Aerospace
India's quick commerce billionaire Deepinder Goyal is planning to launch his first product after stepping back from the empire he led for 18 years. Goyal says Temple, a wearable device worn on the side of the forehead, will retail for about one-thousand U-S dollars. The founder of Eternal Limited, which counts quick delivery apps Zomato and Blinkit under its umbrella, spoke with Bloomberg's Haslinda Amin in an exclusive interview at his private residence in New Delhi.
AI data center boom meets rural reality in Edgecombe County
This low-wealth county is facing economic promises and residents’ concerns over fossil‑fuel power, water use and rising utility bills.
‘Crystal Lake’ first look: Linda Cardellini dives into ‘Friday the 13th’ prequel (exclusive)
‘Crystal Lake’ exclusive first look reveals Linda Cardellini’s Pam Voorhees in the ‘Friday the 13th’ prequel series. The Emmy nominee talks exploring the original killer’s origin story.
Pam Shriver Criticizes ESPN For Its Lack Of Female Announcers
Longtime women's tennis star and sports media figure Pam Shriver hasn't been thrilled with ESPN's coverage of Wimbledon this year. ESPN aired the women's singles final on Saturday afternoon. Linda Noskova topped Karolina Muchova in the women's final, 6-2, 5-7, 6-3. On Sunday morning, the men's ...
How Buc-ee's mania is affecting a nearby Goodyear business
Ass Kickin’ products was founded in downtown Glendale in 1986 by the owner, Jeff Jacobs, manufacturing a few barbeque and hot sauces. He met his wife, Linda, who took on the business with him.
Business Briefs: July 2026
Fallen Tree Breaks New Ground with Wine Wins In the tasting room of Fallen Tree Vineyard, co-owner Matt Hales offered a glass of petit manseng. He’d just been manning the kitchen, his wife Lisa overseeing the front of the house, and out on the lawn a small crew of workers built the foundation of a
Palm Beach police union offers backup for Belinda Keiser
'In Washington, she will effectively advocate for the needs of law enforcement, defending the rule of law.'
New Scientist recommends an unsettling deep dive into forensic science
Esteemed forensic anthropologist Sue Black gives a candid insight into the UK criminal justice system and how it really works in her book An Expert Witness, finds Linda Geddes
Sports TV trailblazer Linda Cohn retiring from ESPN after record-setting career
Over her career, Cohn appeared in more episodes of "SportsCenter" than any other anchor.
Opinion | Menopause and the Failure of Women’s Health Care
Readers respond to “Menopause Should Not Be Such a Mystery,” an Opinion guest essay by Melinda French Gates.
Quincy Museum holds Women in Politics Talk with Mayor Linda Moore
Women’s rights started long before the 19th Amendment was adopted into the Constitution in 1920. As women spoke out for their right to vote, the city of Quincy and the state of Illinois was prominent in the support of women’s suffrage.
Quincy Museum holds Women in Politics Talk with Mayor Linda Moore
Quincy Mayor Linda Moore spoke to women about the importance of the history of women in politics.
Business People: Belinda Jensen to be brand ambassador for Kowalski’s
RETAIL Kowalski’s, a Shoreview-based metrowide grocery store chain, announced Belinda Jensen as brand ambassador. Jensen retired this year as chief meteorologist for Twin Cities NBC affiliate KARE 11-TV. EDUCATION The…
Melinda French Gates has ‘visceral reaction’ recalling ‘abhorrent’ Epstein in new interview
Bill Gates and Melinda French Gates are again reckoning with the Microsoft co-founder’s past ties to Jeffrey Epstein, with Gates testifying this week to Congress about their past interactions and his ex-wife newly opening up about her “visceral reaction” to the late convicted sex offender.
Melinda French Gates Just Revealed the Health Crisis She Was Completely Blindsided By
The philanthropist recently announced that she will direct $215 million to women's health initiatives.
Belinda Keiser rolls out four congressional endorsements in CD 22 as qualifying week begins
'She has been a champion for our nation-leading higher education system and the future of every Florida student.'
Did Gates just swing open for Sonics' return?
Melinda French Gates joining the Kraken's parent company as a minority investor has grabbed Seattle's attention, but it's not hockey nets that people are thinking about.
Linda Julien drops Miami-Dade Commission bid one week after launching it
‘Miami Gardens is not a stepping stone for me; it is my home.’
Melinda French Gates is done waiting for health care to take menopause seriously
Celebrities like Halle Berry and Naomi Watts have jumped on menopause startups. Now Melinda French Gates is throwing her weight behind the category—with philanthropic dollars.
Melinda French Gates donates $215 million to improve women's health worldwide
Philanthropist Melinda French Gates will expand her giving to improve women’s health globally, pledging another $215 million to support contraceptive access
Melinda French Gates donates $215 million to improve women's health worldwide
The new funding pushes Melinda French Gates' donations for women's health over $600 million in the past two years.
Melinda French Gates pledges $215M to advance women’s health worldwide
Melinda French Gates will expand her giving to improve women’s health globally, pledging another $215 million.
Melinda Gates pledges another $215 million to improve women's health around the world
In the past two years, the philanthropist's donations for women's health have exceeded $600 million.
Melinda French Gates invests $215 million in health. Inside her surprising choice
Melinda French Gates is giving $215 million to improve women’s health. Her first-ever grant to benefit menopause and women in midlife.
Melinda French Gates on Menopause, Midlife, and the Women's Health Gap
Melinda French Gates talks menopause, mental health, and the systemic gaps in women's care.
Melinda French Gates donates $215 million to improve women’s health worldwide
The new funding announced Thursday pushes French Gates’ donations for women’s health over $600 million in the past two years.
Melinda French Gates donates $215 million to improve women's health worldwide
Melinda French Gates is expanding her efforts to improve women's health worldwide, pledging $215 million for contraceptive access and maternal care, as well as initiatives for middle-age women
Opinion | Melinda French Gates: America Needs a Menopause Revolution
Too many women walk out of their doctors’ office with no diagnosis, no treatment and no plan.
Belinda Keiser brings South Florida trailblazer star power to CD 22 race
'I will fight alongside President Trump to lower costs for families.'
Loma Linda University Health agrees to pay nearly $8 million settlement for improper disposal of hazardous waste, medical records
Loma Linda University Health officials agreed to pay a $8 million settlement over a lawsuit that was filed after a multi-year investigation by Riverside County and San Bernardino County officials found that medical records and hazardous medical waste were improperly disposed of.
Melinda French Gates Just Made a Massive, Unexpected Move Into Professional Sports
Yesterday, the philanthropist announced that she would join a popular organization as a minority investor.
One Roof Sports and Entertainment Announces Investor Update
One Roof Sports and Entertainment, the parent brand of the Seattle Kraken and Climate Pledge Arena, today announced Melinda French Gates, philanthropist and businesswoman, as the organization's newest minority investor, pending NHL approval.
Linda Julien launches bid to succeed Oliver Gilbert on Miami-Dade Commission
Julien enters the race as speculation intensifies about Gilbert’s future in Congress.
Clorox CEO to Step Down for Health Reasons
Clorox Chief Executive Officer Linda Rendle is stepping down for health reasons after more than 20 years at the company.
The future of the American healthcare workforce
The U-S is facing a steep healthcare worker shortage. A 2025 federal analysis projected that by 2038, 30 out of 35 physician specialties will be hurting for practitioners, with over 140,000 roles left unfilled. And for nurses, that shortage is projected to be over 108,000. And last week, 24 states plus the District of Columbia filed a lawsuit against the Department of Education over new federal student loan limits on graduate degrees. Those caps apply to programs that could graduate workers into these threatened health care fields. But Education Secretary Linda McMahon say these worries are overblown and that these new rules aim to force colleges to lower tuition rates. So, what do these changes really mean for the future of our healthcare workforce in the U.S.?