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Entertainment isn’t just promotion; it is value creation: Authentic Brands Group’s founder Jamie Salter

Authentic Brands Group’s founder Jamie Salter shares his playbook on creating a powerhouse of brands, eyeing $100 billion in sales.

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Nov 9 • 9:15 AM EST • Entertainment • fortuneindia.com
Orchard’s First Fruit

Well, well, well - ask and ye shall receive. From a few weeks ago: I don’t see anything distinct for Orchard customers yet, so either they’re not live or not distinguished as easily as Garden Plot Eight days later, my wish was granted! Epic’s public FHIR endpoint directory added an organization called Enterprise Orchard Shared Services (Epic org ID 38769) managing an endpoint named “PA Health Center Technology Alliance,” along with 36 facilities under the same brand: The Alliance’s main office 18 Union Community Care sites 11 Delaware Valley Community Health sites Six Community Health and Dental Care sites Off to the races we go! As far as I can tell, no trade publication or Epic has covered this yet - the only public traces I see are a PACHC annual report plus a few patient FAQ pages. I’m not sure why - I think it deserves way more attention! We learn who’s actually buying (and it isn’t who Epic pitched at UGM) We get yet another entry in Epic’s playbook for reaching the low end of the market We get a census of who Epic is coming for next Grab a basket and let’s start picking. An Unexpected Harvest When Epic announced Orchard at UGM 2025, the pitch was a dedicated instance for practices of 80 to 180 providers while keeping the prewired third party applications that make Garden Plot appealing. But the first customer to surface is not that profile at all! Instead, we see something entirely different and arguably more valuable to Epic. The Alliance is a subsidiary of the Pennsylvania Association of Community Health Centers (PACHC). As I wasn’t totally familiar myself, let’s add some quick background for readers who operate outside the safety net: Federally qualified health centers (FQHCs) are community clinics funded under Section 330 of the Public Health Service Act t They serve patients regardless of ability to pay, which results in a payer mix heavy on Medicaid / the uninsured As you might expect, this often results in margins too thin to fund an enterprise EHR on their own (especially in the current very tough funding environment) Every state has a primary care association (PCA), funded in part by HRSA, that supports its FQHCs with advocacy and shared services PCAs have historically been trade associations, so this move is notable in that PACHC is morphing itself into something closer to a holding company. In October 2024, its board voted to form the Alliance to contract directly with Epic and run a statewide technology hub for health centers of any size. A second subsidiary, the Pennsylvania Community Care Collaborative (PC3), is a clinically integrated network of 28 health centers built for value-based contracting. CEO Shelley Riser runs both PACHC and the Alliance and calls the arrangement a “family of companies.” From the latest annual report: PACHC is the only Primary Care Association in the nation with a wholly owned subsidiary directly contracting with Epic. Why does this matter way more to Epic than a single 120-provider group ever could? One contract may only bring in three health centers and 35 sites on day one, but every other PACHC member sits in the pipeline. Moreover, the distributor is an organization those health centers already trust, funded to serve them and literally governed by a board of their own CEOs. And if that wasn’t enough, every state has one! Grafting onto the Safety Net

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Nov 9 • 4:46 AM EST • Health • healthapiguy.substack.com
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The political playbook that unraveled US transgender rights in the past decade

From the military to healthcare, Trump systematically dismantled Obama-era protections for transgender rights

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Nov 8 • 10:00 AM EST • Politics • theguardian.com
Past White House adviser Raj Panjabi has written a playbook for 'living room' crises

Dr. Raj Panjabi is the author of Safer: A Playbook. His goal is to help people face a personal crisis — health, workplace, family conflicts — and "turn fear into action."

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Nov 6 • 6:57 AM EST • Health • npr.org
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The Texas-size Political Tremor Rattling Big Business

The Lone Star State’s business-friendly playbook could be rewritten by the Democrats’ election sweep there.

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Nov 5 • 7:41 AM EST • Politics • nytimes.com
Bickley: Gardner Minshew is rewriting the Arizona Cardinals playbook

Stay ready, my friends: Gardner Minshew is bringing Minshew Mania to the desert, Dan Bickley writes.

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Nov 4 • 5:10 PM EST • Sports • arizonasports.com
Prop. 40's failure points to the tax California already pays for its wealth: Politics overrun by money

The playbook for defeating the the billionaire tax was simple: Stoke economic fears and confuse Californians.

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Nov 4 • 11:12 AM EST • Politics • calmatters.org
Why big mergers aren’t in Inova’s playbook

Inova President and CEO Dr. J. Stephen Jones outlined the system's growth plans and capital project strategy.

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Nov 4 • 6:01 AM EST • Health • modernhealthcare.com
Sandstorm: A new playbook for sharing desert science

Wildcats football and a board game about battling invasive grasses are giving U of A researchers creative ways to connect people with the science of protecting the Sonoran Desert.

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Nov 3 • 1:44 PM EST • Science • news.arizona.edu
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The Gen Z playbook for ultrarich reputation makeovers

When the ultrarich want a reputation makeover, they call these Extremely Online Gen Zers.

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Nov 3 • 5:05 AM EST • Business • businessinsider.com
How my 8-person company uses AI agents to avoid doubling our team

Founder Rachel Woods explains how her 8-person company uses AI agents to automate work and avoid 4 new hires. Here's her playbook.

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Nov 1 • 6:00 AM EST • Business • businessinsider.com
Apollo is bringing its private-equity operating playbook to nonprofits

The private equity giant just hosted its biennial Apollo Opportunity Foundation summit for nonprofit leaders.

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Nov 1 • 5:47 AM EST • Business • businessinsider.com
Apple’s Secret iPhone 20 Plans Will Completely Rewrite the Smartphone Playbook

iPhone 20 redesign rumors point to a massive 20th-anniversary update in 2027. Apple might skip the iPhone 19 and introduce solid-state haptic buttons.

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Nov 1 • 2:30 AM EST • Technology • geeky-gadgets.com
Business Owners Have a Window. Most Aren't Ready to Use It. by Tully Ryan

I spend my working life on both sides of a business sale. As an M&A advisor based in Wilmington, I help lower middle market owners across North Carolina, South Carolina and Virginia sell what they've built. As the founder and CEO of IQExit, I work with the bankers, wealth advisors, CPAs and attorneys who sit beside those owners for years before a sale ever comes up. From both seats, I keep seeing the same thing. The market is ready for our owners. Too many of our owners aren't ready for the market. Start with our own backyard. Wilmington's metro area added more than 12,000 residents between July 2024 and July 2025, a 2.6% jump that ranked seventh in the country. It also posted the highest job growth rate of any metro in North Carolina. I see the same pattern in the growth markets I work in across the Southeast. New residents mean new customers and new workers. They also mean new buyers: people who moved here from corporate jobs and want to own something, private equity groups looking for add-ons in HVAC, electrical, landscaping and other trade services, and younger entrepreneurs who would rather buy a running business than start one from scratch. The ownership numbers are hard to ignore. About half of North Carolina's small businesses have an owner who is 55 or older, and roughly 85% of those owners have no succession plan, according to the North Carolina Employee Ownership Center. Nationally, more than half of Baby Boomer business owners have no documented transition plan. That isn't a crisis yet. It's a timing problem. A lot of businesses will change hands over the next decade, and the prepared ones will get the better buyers and the better terms. Buyers have money and they're using it. But an active market doesn't mean a fast one. The IBBA's latest Market Pulse survey found that Main Street deals took six to 10 months from engagement to close in the second quarter, and lower middle market deals took 11 to 12 months. That clock starts after the owner decides to sell. In my experience, the real preparation has to start years before. Two clocks, two playbooks When I sit down with an owner or their advisor, my first question isn't “What's it worth?” It's “When?” The answer puts the owner in one of two groups. If the owner wants out within 24 months, we're in execution mode. There's no time to rebuild the business. The work is cleaning up what a buyer will test: three years of financials that tie to the tax returns, an add-back schedule you can prove, customer and vendor contracts in writing, a lease that can be assigned, and a price the market will actually pay. The goal is certainty to close. If the exit is two to five years away, the owner has something worth more than time. They have choices. That window is where most value gets built, and most owners waste it by waiting. What kills deals In the lower middle market, deals rarely die over the headline price. They die in diligence, or they get retraded late in the process. I see the same causes again and again. The owner is the business. If every key customer relationship runs through the owner's cell phone, a buyer sees risk and a lender sees more of it. The books don't hold up. Buyers spot weak accounting fast. Statements that get revised mid-process, a revolving door in the bookkeeper's chair, revenue tracked on a side spreadsheet, and margins that slip while sales climb with no clear reason all make a buyer nervous. So does an owner who pushes back when asked for documents. And plenty of private owners run personal expenses through the company. Add-backs are normal. Add-backs you can't document turn into a lower offer. The real estate isn't sorted out. Many owners hold their building in a separate LLC. That's fine, but the lease terms or the property sale should be settled before a buyer shows up, not halfway through diligence. Revenue sits in too few hands. Picture a contractor with 40% of its work coming from one builder, or a service company running on handshake deals. Buyers will still look, but the terms shift toward more seller financing, an earnout, or less cash at closing. Owners and advisors: if your exit is three to five years out • Get a baseline now. Find out where the business really stands today: what a buyer would pay, who that buyer is likely to be, and which gaps would hurt you in diligence. You can't fix what you haven't measured, and the answer is often different from what the owner expects. • Make yourself less necessary. Spend the next few years building a manager or small team that can run daily operations and own customer relationships. Put handshake deals into written contracts. A business that runs without its owner is worth more and is far easier to finance. • Clean the books for three straight years. Buyers and lenders look back at least three years. Separate personal expenses, keep the financials tied to the tax returns, track every add-back as you go, and settle the real estate plan early. A word to CPAs CPAs often see a sale coming before anyone else, and you're usually the most trusted voice an owner has. Year-end meetings are the right time to start this conversation. Here's what I'd ask every CPA to do this season with business owner clients over 55: • Ask the timing question. “Do you see yourself owning this business in five years? If not, who takes it over?” Write down the answer and bring it up again at next year's meeting. • Run a proof of cash and review revenue recognition. Make sure the cash in the bank ties to the revenue on the books. Pay close attention to contractors with work in progress and to companies selling memberships or service plans. These issues are easy to fix with years of lead time and painful to fix a month before closing. • Pair the tax return with an exit readiness review. Invite clients to complete IQExit's Exit Readiness Intelligence (ERI) process as part of year-end planning. It gives you and the client a shared picture of readiness gaps and an indicative value range, and the results come back to you as the advisor. That turns a tax meeting into a planning relationship, and it puts you in position to bring in tax and M&A help early, when choices like purchase price allocation can still save the client real money. Changing the conversation For bankers, wealth advisors and attorneys, the hard part is raising the subject without seeming to nudge a client toward the door. I understand that. Nobody wants to tell a 60-year-old owner it's time to sell. So don't. Ask a different question: “If a buyer called tomorrow, what would they find?” That's a planning question, not a pitch, and it's useful whether the exit is two years out or 15. It's the question we built IQExit to help advisors answer. Whether you're in Wilmington, Raleigh, Charleston, Richmond or anywhere else, owners have a real opening right now. The buyers are out there and so is the capital. The owners who come out ahead will be the ones who start getting ready before they're ready to sell.

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Oct 31 • 8:00 PM EDT • Business • wilmingtonbiz.com
Democrats have big healthcare plans. The industry is preparing for a fight.

Corporations have always fought universal healthcare proposals. But will their old playbook still work in a new era?

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Oct 29 • 4:00 PM EDT • Health • vox.com
‘MNF Playbook’ altcast ratings drawing closer to slumping ManningCast

ESPN and the NFL have invested significant time and money in Monday Night Football altcasts. Now multiple altcasts, including ESPN2’s famed ManningCast and NFL Network’s MNF Playbook Next Gen Stats version, are competing. One of the headlines in NFL media this season has been the ManningCast’s declining ratings with Peyton and Eli Manning. After reaching millions of viewers…

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Oct 29 • 2:30 PM EDT • Sports • sports.yahoo.com
Why the 2026 midterms could mark a turning point for influencers in political campaigns

Political campaigns are borrowing the brand playbook, turning to creators to reach voters as scrutiny over paid posts grows.

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Oct 29 • 12:01 AM EDT • Politics • digiday.com
Expect more from your wireless network: A playbook for growing businesses

Your business is growing. Can your network infrastructure evolve with you? With wireless operations becoming more complex, IT leaders should ensure the network can handle more locations, devices, and security threats. Read our playbook to see how.

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Oct 28 • 11:00 AM EDT • Business • blogs.cisco.com
BREAKING: Global Fund Appoints Mark Dybul As Executive Director Amid Mandate And Funding Challenges

Former Global Fund Executive Director Mark Dybul returns to the helm in Geneva facing an unprecedented $5.36 billion funding gap, fraught domestic transitions, and mounting demands to overhaul the global health architecture. While experts welcome his track record, balancing transatlantic rivalries with rising country sovereignty will demand delicate diplomacy and an updated playbook.

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Oct 28 • 10:56 AM EDT • Health • healthpolicy-watch.news
Women’s heart health gets a new playbook, starting in childhood

For the first time, four leading medical societies have banded together to create a shared framework for assessing and improving women’s heart health across the lifespan, starting in childhood.

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Oct 26 • 12:56 PM EDT • Health • news.northwestern.edu
Georgia’s Audi megadeal comes with political flashbacks

With Election Day nearing, President Donald Trump unveiled plans for a $4.2 billion Audi plant in Middle Georgia, reviving a familiar GOP election-year playbook.

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Oct 26 • 8:52 AM EDT • Politics • ajc.com
How to build a police state

To understand where Trump is trying to take the US, we should look to the authoritarian playbook of his favorite ally: El Salvador’s Nayib Bukele

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Oct 25 • 9:00 AM EDT • Politics • theguardian.com
The Private Equity Playbook Most Small Business Owners Never Get Access To

What does the $650 billion wave of private equity capital moving into Main Street mean for owners who are unprepared for acquisition?

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Oct 23 • 5:00 PM EDT • Business • fool.com
Netflix reportedly offered Microsoft $500 million to license Xbox games for adaptations.

Xbox CEO Asha Sharma and team countered by asking for $800 million, and Netflix has pulled its offer, Puck reports in an article discussing the new leadership at Netflix. Xbox launched an “XP” division this month that will work on adaptations of its games, and Xbox is already working with Netflix on a Diablo animated series. [Link: The Peter Rice Playbook & Elon's Skydance Motive | https://puck.news/newsletter_content/what-im-hearing-the-peter-rice-playbook-elons-skydance-motive/ | Puck]

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Oct 23 • 4:09 PM EDT • Technology • theverge.com
Australian treasurer says opponents want higher inflation for political gain

In a Canberra Playbook Podcast interview Jim Chalmers accused Liberals of wanting Australians to suffer, as their path back to power.

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Oct 22 • 8:32 AM EDT • Politics • politico.com
The non-gamer CEO racing to save Microsoft’s Xbox

Asha Sharma has cut thousands of jobs, consolidated studios, and rewritten the playbook. Insiders wonder if she’s saving the brand or preparing it for a non-Microsoft future.

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Oct 20 • 12:10 PM EDT • Technology • fortune.com
AMD Ryzen AI Halo Review - Local-AI Powerhouse with 128 GB of Memory

The AMD Ryzen AI Halo is great at running local AI workloads, featuring a Ryzen AI Max+ 395 APU with 128 GB of unified memory in a compact form factor. It excels at handling large models, enabling tasks that most consumer GPUs struggle with. With AMD AI Playbooks, getting started is simple, allowing you to explore the frontier of AI at home.

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Oct 19 • 2:00 PM EDT • Technology • techpowerup.com
Serena Williams, Kevin Durant, and Aaron Rodgers Have a Business Playbook Beyond Sports

Professional athletes are expanding their legacies through venture capital, strategic investments, and turning personal brands into wealth.

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Oct 18 • 11:00 AM EDT • Business • inc.com
Here's the playbook for investors as new fears rattle the AI trade

It was a brutal start to October for the AI trade. Where should investors go from here?

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Oct 18 • 5:15 AM EDT • Business • businessinsider.com
Green Sports Alliance announces the release of the Sustainable Apparel Playbook

/PRNewswire/ -- Today, the Green Sports Alliance announced the release of the Sustainable Apparel Playbook, which highlights practical approaches for sports...

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Oct 16 • 10:00 AM EDT • Sports • prnewswire.com
Plague is stoppable. The next health threat may not be.

The word plague is scary. Centuries ago, the Black Death killed tens of millions of people and changed the course of history. Plague still kills people around the world, and the word still evokes catastrophe. New fears of plague surfaced on October 2, when a lab worker in Irkutsk, Russia, died of pneumonia. Reports suggested that she may have contracted plague through a laboratory exposure. Understandably, people were alarmed. On October 7, the World Health Organization called for the Russian Federation to be transparent about what it knew. WHO issued an update on October 10. Russian authorities told WHO that testing did not identify plague and that investigations found no laboratory release. WHO said confidence in its risk assessment remained limited and that further clinical, epidemiological, and laboratory information was needed. The cause of the woman’s illness remains unknown, and WHO says a laboratory-associated exposure cannot be excluded. As I explained in a recent interview, this incident is very unlikely to lead to a pandemic. Plague is still active, including in the U.S., which sees a handful of cases each year. But it is a disease we can prevent and treat. Plague doesn’t spread readily, and it responds to antibiotics. The standard response—isolate the patient, trace contacts, and administer antibiotics and monitor for symptoms among contacts for seven days—works. We have even planned for antibiotic-resistant plague. At CDC, we developed a playbook for antibiotic-resistant plague and ran exercises on how to find and stop it. CDC guidance anticipates engineered resistance and recommends two different classes of antibiotics if there’s reason to suspect it. There is no evidence that resistance—or even confirmed plague—is involved in this incident. We have thought through how to address plague, but we’re not ready for the next major health threat that emerges from a lab or from animal spillover to humans. What should concern people is how little stands between the world and the next pathogen to get loose. Since peak COVID, epidemic preparedness has fallen off the political agenda, but the risk is greater than ever. More labs handle dangerous pathogens with more ways to make those pathogens deadlier, and more people live and work in close contact with animals. There are actions we can take now: We need better lab safety in every country. The number of labs that work with dangerous pathogens has increased worldwide over two decades, but there’s no enforceable international standard and no inspection regime; the Biological Weapons Convention, fifty years on, still has no verification mechanism. Labs that study dangerous germs need strong safety systems, training, and oversight. We need to reduce spillover events. Three in four emerging human infections start in animals, and there’s a lot we can do to reduce spillover risk, but the world is doing very little of it. Live-animal markets are one place to act. For instance, closing live-bird markets helped control H7N9 influenza in China. Reducing opportunities for people to encounter infected animals can prevent infections before they become outbreaks. In The Formula for Better Health, which is now out in paperback along with the hardcover, Kindle, and audiobook versions, I argue that labs do too many risky experiments with too many dangerous pathogens in too many institutions, and that every experiment should first answer one basic question: Is the likely benefit greater than the risk? Spillover risk can also be reduced: In the book, I discuss how Brazil cut its deforestation rate by 70% from 2004 to 2012 while increasing agricultural production and reducing risky contact between people and forest animals. We need faster detection and response. Delay costs lives. Strong surveillance, good labs, and trained responders can turn a single case into a small cluster of infections instead of an epidemic. Resolve to Save Lives has worked for nearly a decade to help countries find and stop outbreaks faster. The 7-1-7 target, which Resolve to Save Lives developed with partners in Uganda and elsewhere, provides a clear standard: detect within 7 days, notify within 1 day and complete all essential early response actions within 7 days. In Uganda’s Kasese district, for example, a review of a measles outbreak using 7-1-7 identified shortages of accessible funds, fuel, and vehicles that delayed the response. District leaders established funds they could access quickly. When, a few months later, the Crimean-Congo hemorrhagic fever appeared, the district detected it in three days, notified authorities in one, and mounted an effective response in two. Only one case was confirmed, and the patient survived. Because funds were available before the emergency, authorities were prepared and able to act. This kind of preparation can’t wait until the next crisis begins. Plague is an old disease we that know how to stop. The next threat may be harder to recognize, harder to treat, and easier to spread. Safer labs, less risk of spillover, and faster outbreak detection and response need sustained investment now, while we still have time to prevent the next emergency. Share

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Oct 16 • 8:57 AM EDT • Health • tomfrieden.substack.com
Clinton Policy Institute outlines maternal health solutions for states

Health Care Clinton Policy Institute outlines maternal health solutions for states It’s the first major report from the project, which launched in July to foster nonpartisan policies to improve the wellbeing of children and families. Stephanie Akin 10:00 AM, Oct 15, 2026 Dr. Jacob Lenz performs an ultrasound at the Oklahoma State University obstetrics and gynecology clinic in Tulsa, Okla., on Tuesday, July 16, 2024. (AP Photo/Mary Conlon) The Clinton Policy Institute is calling on states to lead efforts to curb maternal mortality, releasing a 61-page playbook Thursday highlighting successful policies that could be adopted nationwide. The playbook is the first major report from the Clinton Foundation’s project, which launched in July to foster nonpartisan state and local policies to improve the wellbeing of children and families. “Eighty percent of maternal deaths are preventable, and we know what works,” CPI Chair Jennifer Klein said. “The solutions are well established and evidence-based.” CPI’s mission is to convene political leaders from both parties, policy experts, state officials and other stakeholders to explore solutions to longstanding problems. “What we aim to do is bring together people who are deeply engaged, but may not be meeting together in the same room,” Klein said, noting that state policymakers might not always be aware of what their peers are doing in other states. In May, CPI brought together lawmakers from Virginia and Pennsylvania, two of the 14 states that have passed bipartisan maternal health “Momnibus” packages modeled after a comprehensive federal proposal that has repeatedly stalled, called the Black Maternal Health Momnibus Act. Other participants included Dr. Mona Hanna, founder of Rx Kids, a Michigan program that provides direct cash allowances to pregnant women and infants. Pennsylvania Rep. Morgan Cephas, who was part of the group, said she learned about funding opportunities she hadn’t come across during her decade in the Legislature. “As legislators we can issue grants, we can pass legislation, we can move policy, but we want to ensure that funding opportunities and programs that are tackling this issue are sustainable,” Cephas said. The playbook outlines broad areas where state policy can make a difference, such as allowing Medicaid to pay for doulas and remote patient monitoring, and using federal and private grant funding to pay for home visits to pregnant and postpartum women. For each category, it highlights innovative programs that can serve as models, with examples of specific actions state lawmakers and governors’ offices can take. Those include the Rx Kids model, which gets funding from the Michigan state budget; Pennsylvania’s Healthy Moms Vibrant Futures strategic action plan, emphasizing equity-centered maternal care, regional collaboration, Medicaid innovation, and workforce development that was launched this year with more than 160 stakeholders; and Kansas’s Bridging Plan, which reserves three slots and provides at least $26,000 in loan forgiveness for obstetric residents who commit to practicing in rural or underserved communities for 36 months. CPI emphasizes that its work is nonpartisan. Klein, the director of the White House Gender Policy Council under former President Joe Biden, acknowledged that CPI also takes positions on abortion, Medicaid funding, and the need to address the economic and social drivers of poor health, which might rankle some conservatives. “We don’t shy away from talking about those things that we think are part and parcel of the maternal health crisis in this country,” Klein said. “That said, there are so many policies that are both evidence-based and have been tried successfully in both red and blue states, and people can see that they can have real impact.” She pointed to the federal option to extend postpartum Medicaid coverage from 60 days to 12 months that was made available during the Biden administration and has since been adopted by every state but Arkansas. Other initiatives embraced across party lines include Medicaid coverage for midwives and doulas, as well as “bundled” payments for prenatal and postpartum care. That alternative payment model, pioneered in states such as Arkansas, Colorado and Tennessee, incentivizes fixed fees to cover all healthcare services associated with pregnancy and childbirth. Advocates say it promotes more coordination among caregivers, discourages unnecessary interventions, and expands postpartum support. In addition to maternal health, the initiative is also focused on addressing family economic security, children’s well-being, and democracy and civic resilience.

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Oct 15 • 10:00 AM EDT • Health • pluribusnews.com
Put Me Out of the Leafy Green Business, Please. The Beef Industry Did It After I Asked in 2002. I Asked the Lettuce Industry in March 2006, and Six Months Later Came Spinach. Twenty Years, Forty E. coli Outbreaks and 12,883 Cyclospora Cases Later, Here Is the Beef Playbook, Line by Line.

The International Fresh Produce Association’s Global Produce & Floral Show opens in Orlando this week. I am not on the program. I have one

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Oct 13 • 11:38 PM EDT • Business • marlerblog.com
Rewriting the playbook: The grassroots movement for Black midlife health

I was 45 when my body first started sending distress signals: drenching night sweats, sudden 2 a.m. awakenings and a persistent brain fog that had me forgetting...

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Oct 10 • 4:00 AM EDT • Health • post-gazette.com
In New York governor's race, a Republican rallies with Trump and leans into his political playbook

NEW YORK (AP) — In his campaign to become the next governor of New York, Republican Bruce Blakeman has suggested Democrats might steal the election, played up fears about immigrant criminals and posted AI-generated videos depicting the state as dangerous and unaffordable.

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Oct 9 • 7:33 AM EDT • Politics • wral.com
In New York governor's race, a Republican rallies with Trump and leans into his political playbook

In his campaign to become the next New York governor, Republican Bruce Blakeman has suggested Democrats might steal the election, played up fears about immigrant criminals and posted AI-generated videos depicting the state as dangerous and unaffordable.

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Oct 9 • 7:29 AM EDT • Politics • clickorlando.com
In New York governor\'s race, a Republican rallies with Trump and leans into his political playbook

In his campaign to become the next New York governor, Republican Bruce Blakeman has suggested Democrats might steal the election, played up fears about immigrant criminals and posted AI-generated videos

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Oct 9 • 7:29 AM EDT • Politics • lancasteronline.com
In New York governor's race, a Republican rallies with Trump and leans into his political playbook

NEW YORK (AP) — In his campaign to become the next governor of New York, Republican Bruce Blakeman has suggested Democrats might steal the election, played up fears about immigrant criminals and poste...

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Oct 9 • 7:29 AM EDT • Politics • yahoo.com
In New York governor's race, a Republican rallies with Trump and leans into his political playbook

In his campaign to become the next New York governor, Republican Bruce Blakeman has suggested Democrats might steal the election, played up fears about immigrant criminals and posted AI-generated videos depicting the state as dangerous and unaffordable.

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Oct 9 • 7:29 AM EDT • Politics • news4jax.com
In New York Governor's Race, a Republican Rallies With Trump and Leans Into His Political Playbook

NEW YORK (AP) — In his campaign to become the next governor of New York, Republican Bruce Blakeman has suggested Democrats might steal the election, played up fears about immigrant criminals and posted AI-generated videos depicting the state as dangerous and unaffordable. And on Friday night, he'll ...

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Oct 9 • 7:29 AM EDT • Politics • usnews.com
New Report Assesses the Strategy to Remake the U.S. Science Ecosystem — and Lays Out a Path to Rebuild It

First installment of a multi-part series, Forging the Future of Science and Democracy, examines the players and the playbook that got us here.

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Oct 8 • 8:15 AM EDT • Science • einpresswire.com
Yale School of Medicine On the Science of Childhood Anxiety, Say, Anxiety Disorders Are the Most Common Mental Health Challenges In Youth

Credit: Matt Bradbury October 5, 2026 - By Isabella Backman - Anxiety disorders are the most common mental health challenges in youth. Left untreated, they can disrupt the lives of both children and their families. The good news is that with intervention, most children will overcome these conditions. Across Yale School of Medicine, scientists are working to understand anxiety at every level, from common anxious behaviors to molecular biomarkers in the brain. They are using their findings to develop and disseminate new evidence-based treatments for childhood anxiety. Today, the go-to treatment for childhood anxiety disorders is cognitive behavioral therapy (CBT). This is a form of psychotherapy that teaches children skills for confronting anxious thoughts and helps them practice managing situations that cause anxiety. While it is the gold-standard treatment backed by considerable scientific evidence, up to 50% of children will not see sufficient benefit from CBT alone. Wendy Silverman, PhD, Alfred A. Messer Professor in the Child Study Center, co-directs the Anxiety and Mood Disorders Program alongside Eli Lebowitz, PhD, associate professor in the Child Study Center. One of their main interests is learning how to improve outcomes beyond CBT. “We’re developing cutting-edge, research-based knowledge that can reduce the suffering that anxiety causes children and their families,” says Silverman. Changing parent behavior YSM experts are investigating how to improve CBT outcomes for children by involving the parents. Silverman’s research has uncovered two main components of parent intervention that improve childhood anxiety: not enabling children to completely avoid the things that make them anxious and taking steps to enhance their autonomy. Parents may unintentionally reinforce their child’s anxiety by allowing them to avoid what makes them anxious. They also may unintentionally limit the children’s sense of autonomy by being overly intrusive. “One of the things that we take pride in is that we’ve focused on trying to understand what parents need to do, and to test our ideas and see if changing the parents’ behaviors is enhancing the effects of CBT,” Silverman says. “Our findings thus far suggest that they do." As much as CBT can be helpful, it can also be challenging to get one’s child to do the necessary steps for CBT to work. This is one important reason why Lebowitz created a novel intervention program for parents named Supportive Parenting for Anxious Childhood Emotions (SPACE). Existing intervention programs often teach parents to act as therapists for their child, such as training them on how to practice breathing exercises. “It makes sense, but this doesn’t work very well in practice,” says Lebowitz. “And part of the reason, I think, is that it’s not easy to get your kid to do things, especially if they’re not excited about doing it.” SPACE is unique because it focuses entirely on parent involvement and changing parental behavior—children are not involved in the sessions. For example, parents learn how to use supportive messages that convey confidence that their child can tolerate and manage distress. “It might sound like a parent saying to a child, ‘I get that this is really hard for you, but I know that you can handle it,’” Lebowitz says. The program also works with parents to identify the ways in which they are accommodating anxious behaviors. “We’ll pick one thing that parents are doing that is an accommodation and help them make a detailed plan for how they’re going to change that,” Lebowitz explains. Treating Anxiety in Children and Adolescents Much of the existing research on SPACE has focused on parents of children under age 14. Ongoing studies are now exploring its use with parents of older teens. “Both anxiety and accommodation can interfere with normative developmental shifts during the teen years, including increased autonomy and individuation from parents,” says Rebecca Etkin, PhD, associate research scientist in the Child Study Center. “In this sense, SPACE may be particularly well-suited for anxious teens and their parents. We want to see whether it is effective during this distinct developmental window.” Unfortunately, many families in need of CBT face barriers, including limited availability of services and geographic constraints. One way to improve access is digital interventions. Silverman and her team are developing an evidence-based digitized intervention program for parents that they can access directly from their computer or smart phone. “The work we’re doing will be one of the very few parent interventions that is digitized and importantly tested for effectiveness,” she says. Creating interventions for anxiety-related challenges Silverman and Lebowitz recently received a generous gift to develop and test other interventions that help parents reduce other child anxiety-related behavioral and emotional difficulties, such as restrictive eating and unexplained somatic symptoms. One of these projects in particular focuses on understanding the risks of social media and its potential benefits, including offering a sense of connection. “A lot of research has focused on the idea that social media is harmful and the less of it the better,” says Lebowitz. “But we actually see is that this is not quite right—there are negatives, but there are also positives. So, we’re trying to get a little bit more nuanced of a picture.” The team is working with teens with social anxiety and their parents over an extended period to better understand their social media habits and how their anxiety levels affect engagement with different platforms. The teens will answer questions sent to an app on their phones about mood and social media usage in an effort to capture emotional responses as they unfold. “We hope to develop interventions that can help make the best of social media while protecting against the more problematic effects,” Lebowitz says. The brain’s role in anxiety Researchers are also testing therapies to address anxiety at the neurological and molecular levels. In collaboration with Dylan Gee, PhD, professor of psychology in Yale's Faculty of Arts and Sciences, and Hilary Blumberg, MD, John and Hope Furth Professor of Psychiatric Neuroscience at Yale School of Medicine, Lebowitz and Silverman are using brain imaging to identify changes in a child’s brain before and after parents enroll in SPACE. In one study, children viewed anxiety-inducing images while undergoing magnetic resonance imaging (MRI); the researchers conducted scans with and without the children’s parents nearby. Before SPACE, children’s brains were better able to activate the regulatory circuitry needed to turn off an anxious response when their parents were nearby. But after SPACE, children could activate this circuitry even without the parent around. “As parents work on gradually reducing some of their accommodations, you can see a child get better at regulating their own fear system in the brain,” Lebowitz says. “It’s remarkable.” Research into the molecular underpinnings of anxiety can also inform new childhood anxiety treatments. In a recent study, Lebowitz, Silverman, and Flora Vaccarino, MD, Harris Professor in the Child Study Center, discovered that a protein known as fibroblast growth factor 2 (FGF2) could be protective from the toxic effects of stress. FGF2 levels in children and their parents were linked to the children’s risk of developing anxiety and depression, the study showed. The findings could help explain why some children who are exposed to early life trauma such as poverty or abuse are more prone to developing mental health disorders. And FGF2 could be a target for treatment. “This is very novel because it starts to give a clue to what is the molecular chain that connects those lived experiences to the actual psychological outcomes,” Lebowitz says. New ways to study and treat childhood anxiety Michael Crowley, PhD, associate professor in the Child Study Center, collaborates with Silverman and Lebowitz to study the role that attention plays in development and maintenance of childhood anxiety. There is a large body of research that shows that anxious children, like anxious adults, are prone to focus on threatening stimuli such as angry faces compared with neutral faces. This has led to innovative interventions that involve attention retraining. The idea is that if experts train children to look away from threatening stimuli, it may reduce their anxiety—especially children with social anxiety who are most prone to attend to threats. The researchers have just completed a clinical trial for attention retraining with 10- to 14-year-olds with social anxiety disorders and are currently analyzing the findings. Besides this innovative attention retraining research, as Crowly notes, “I like to design tasks that are engaging to kids,” Crowley says. “My goal is to assess something without the kids knowing what we are assessing.” With this goal in mind, Crowley has created a virtual game, named Boom, to study threat processing in children with anxiety disorders. The game is similar to that of hot potato—the child and three digital players take turns virtually passing a ball to each other’s gloves. At some point, the ball turns into a bomb, and as the bomb lands in each player’s glove, the outline of the glove turns yellow. The goal is to avoid having the bomb go off in your glove. What isn’t obvious is that the game is designed to measure different types of threatening stimuli, both ambiguous and direct. In the game, the direct threat occurs as the bomb is traveling towards your glove. The ambiguous threat is the yellow outlined glove as it is unknown where the bomb will travel next. While children play the game, Crowley’s team measures their brain activity using electroencephalography (EEG). The researchers have discovered that in kids with anxiety, the brain reacts more strongly to ambiguous threats than it does in their peers, but less strongly to direct threats. They believe that the initial abnormally large brain response to not knowing where the bomb is going impairs the brain's ability to properly respond when the threat is actually traveling the child’s way. “The brains of children with anxiety are unable to differentiate between threats you need to do something about and those that are not your problem.” Michael Crowley, PhD, develops innovative games for studying anxiety in children and adolescents.Credit: Matt Bradbury Based on these insights, Crowley hopes to study whether interventions like attention training could restore appropriate threat processing. Crowley’s team is also working on a test called the Balloon Risk Avoidance Task, which evaluates risk-taking and avoidance behaviors. It features a digital balloon that is full of air and about to burst. Kids have six seconds to let air out of the balloon. The more air they let out, the less risk they face that the balloon will pop. But at the same time, the balloon becomes less valuable as it deflates. “The more air you keep in the balloon, the more points you get,” Crowley explains. So far, the researchers have found that when the balloons pop unexpectedly, teens with social anxiety show distinct brain responses. Studying these responses can help psychologists understand the underlying pathways driving the various manifestations of anxiety. The genetics of anxiety When Thomas Fernandez, MD, associate professor in the Child Study Center and of psychiatry, was still in training, there was a lot of excitement about understanding the genetics associated with autism spectrum disorder. Since then, scientists have identified around 250 genes associated with autism. The genetic contribution to anxiety disorders, on the other hand, has historically received less attention. Anxiety is less heritable than autism, but the genetic contribution for anxiety disorders that emerge in childhood may be higher than for anxiety disorders overall. While scientists estimate the heritability of anxiety disorders in general to be around 30% to 50%, some studies suggest higher heritability for certain childhood-onset anxiety presentations. “I saw firsthand how researchers in the field went about finding vulnerability genes for autism,” Fernandez says. “So, we’re using a very similar playbook for childhood anxiety.” “I saw firsthand how researchers in the field went about finding vulnerability genes for autism. So, we’re using a very similar playbook for childhood anxiety.” Thomas Fernandez, MD Associate Professor In the Child Study Center and in Psychiatry Now, Fernandez and Emily Olfson, MD, PhD, assistant professor in the Child Study Center, are studying children and their parents to identify genetic changes that are present in the child but not the parents, known as “de novo mutations.” “All of us have some de novo mutations—maybe about 50 to 100 sprinkled throughout the genome,” Olfson says. “But when they occur within the coding regions of genes, they can be really disruptive.” Previous research shows that people with autism have higher rates of damaging de novo mutations than the general population. In 2022, Olfson, Lebowitz, Silverman, and Fernandez published a study on 68 children and their families that found that children with anxiety had similarly high levels of these mutations. Studying de novo mutations can help point the researchers to where they should be looking for genes associated with anxiety. “The end game is using the genes to steer us toward the right part of biology that we can then target to come up with better treatments,” Fernandez says. Building on those findings, the team is now studying more families to better understand how these de novo mutations, along with other genetic and environmental factors, shape pediatric anxiety disorders. They recently received a National Institutes of Health grant to enroll 750 new families over the next five years. Olfson is the principal investigator, with co-investigators Lebowitz, Fernandez, Silverman, and Shuangge Steven Ma, PhD, department chair and professor of biostatistics at Yale School of Public Health. Neurodevelopment, Risk Genes, and Mental Health Conditions - The Olfson Lab Joel Gelernter, MD, Foundations Fund Professor of Psychiatry, is interested in how different anxiety disorders differ genomically. “We are studying social phobia, panic disorder, and generalized anxiety disorder, working to understand why people differ in their risk to these specific anxiety disorders and evaluating various risk factors,” he says. Gelernter was recently involved in one of the largest studies to date of the genomics underlying anxiety disorder. The study included around 122,000 people with anxiety disorders and around 730,000 without. It found that some genetic differences associated with anxiety were linked to signaling that helps reduce overactivity in the nervous system. Many anxiety medications available today work by targeting this process. “It’s nice when the biology that you get out of a large genome-wide study ratifies things that we already know because that can help increase confidence in further findings from the study,” Gelernter says. Uncovering the neurobiology of psychiatric disorders John Krystal, MD, Robert L. McNeil, Jr. Professor of Translational Research and chair of the Department of Psychiatry, is interested in the neurobiology of psychiatric disorders, including post-traumatic stress disorder (PTSD), of which anxiety is a major symptom. In the late 1980s, Krystal’s team discovered that the drug yohimbine activated symptoms in patients with PTSD. “This was the first time we could link a specific biological mechanism to the symptoms of PTSD,” Krystal says. At the time, he adds, this finding was highly controversial. “A lot of people felt that PTSD was a purely psychological syndrome that didn’t have an underlying biology.” Since then, Krystal has dived deep into understanding the neurobiology of PTSD to learn how to better treat it. His team is evaluating the use of ketamine and psychedelics. These would be among the first treatments to be developed specifically for PTSD. They may also be applicable for other disorders including anxiety disorders, Krystal adds. An important gap in PTSD treatment is the absence of biological tests that inform how to best help patients manage their PTSD symptoms. A doctor doesn’t diagnose cancer based on how they feel. Rather, they use tests of the biology of the cancer to determine the best course of treatment. “And we can’t do that in any psychiatric disorder other than Alzheimer’s disease,” Krystal says. “But now we are building a foundation for this approach to the treatment of anxiety disorders for the first time.” Source: Yale School of Medicine

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Oct 5 • 6:44 AM EDT • Science • goldrushcam.com
Lina Khan says AI companies shouldn't follow Big Tech's playbook

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Oct 4 • 2:03 PM EDT • Business • businessinsider.com
AI Made StarCraft Bot Swaps In Human Made Bot In Tournament

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JPMorgan lays out the investing playbook for 2026 midterm elections

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Oct 2 • 11:21 PM EDT • Technology • foxnews.com
The Democratic Playbook for Investigating Trump

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Oct 2 • 7:00 AM EDT • Politics • theatlantic.com
From Windmills To Ballrooms: Trump’s ‘National Security’ Playbook

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Sep 29 • 4:13 PM EDT • Politics • usnews.com
September 28 Playbook: Vaccination Regulations Rescinded

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Sep 28 • 8:13 AM EDT • Politics • politicspa.com
Herd health playbook: Vaccines and VCPR

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Sep 25 • 9:26 AM EDT • Health • beefmagazine.com
Herd Health Playbook: Vaccines, Timing and the Value of a VCPR

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Sep 25 • 8:35 AM EDT • Health • drovers.com
September 25 Playbook: The Vulnerables

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Sep 25 • 8:20 AM EDT • Politics • politicspa.com
UNC, Michigan followed the college sports investigations’ playbook: No paper trail

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Sep 24 • 6:00 AM EDT • Sports • nytimes.com
Meta's Charm gadget carries CEO Zuckerberg's big AI ambitions

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Sep 24 • 12:38 AM EDT • Technology • reuters.com
How Data Center Politics Are Rewriting The 3rd District Playbook

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Sep 23 • 11:39 AM EDT • Politics • urbanmilwaukee.com
BDHEA Releases New Health Equity Playbook to Help Safety-Net Institutions Turn Community Needs into Actionable Solutions

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Sep 22 • 10:17 AM EDT • Health • prnewswire.com
Conservation mentor uses practical science to form a soil health playbook

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Sep 19 • 1:06 PM EDT • Science • norfolkdailynews.com
Power & Politics: Voter registration hearing; New poll on NJ's 7th Congressional District; ICE accused of using Roxbury warehouse

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Sep 19 • 12:25 PM EDT • Politics • newjersey.news12.com
How Creators, TikTok, Spotify and Pinterest Fuel Fandom

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Sep 17 • 7:55 PM EDT • Entertainment • variety.com
Microsoft’s AI playbook shows businesses how to turn experiments into results

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Sep 17 • 3:46 PM EDT • Business • businessreport.com
These former collegiate athletes, and brothers, are helping train the next generation of athletes

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Sep 17 • 11:30 AM EDT • Business • abc7chicago.com
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3 Health Care Stocks Built For Higher Rates

When the Federal Reserve lifts rates and signals they may stay elevated for years, the easy-growth playbook breaks. Cash flows today matter more than promises tomorrow, and investors start to care a lot about balance sheet strength, pricing power and dependable dividends. This article walks through three large cap quality defensive stocks that screen well under those rules and explains how the latest Fed move could affect each one. The three stocks below are a sample of what this quality...

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Sep 17 • 3:13 AM EDT • Health • finance.yahoo.com
Trump taking notes from India? US$5,000 cash pitch draws ‘freebie’ comparisons

Indian politicians and commentators accuse the US president of mimicking South Asia’s election playbook to woo voters ahead of the midterms.

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Sep 16 • 8:00 AM EDT • Politics • scmp.com
California Gov. Newsom a focus of Nevada's gubernatorial race

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Sep 16 • 6:00 AM EDT • Politics • latimes.com
September 15 Playbook: Mail Voting Returns to Status Quo

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Sep 15 • 8:14 AM EDT • Politics • politicspa.com
Business Owners Undervalue Creative Thinking As A Leadership Skill

Employers say 39% of job skills will change by 2030, and creative thinking is what they will miss most. Artist Neha Shah on leading when the playbook stops working.

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Sep 14 • 9:53 PM EDT • Business • forbes.com
September 14 Playbook: The Races Defining the Midterms

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Sep 14 • 8:07 AM EDT • Politics • politicspa.com
Collins leans on familiar playbook in hopes of defying political headwinds

While commending the work of the businesses, organizations and schools she visits, Collins always highlights the federal funding she’s been able to secure — or in some cases claw back from President Donald Trump's administration — to bolster or make it possible.

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Sep 14 • 4:19 AM EDT • Politics • mainemorningstar.com
Oakland is borrowing SF’s playbook to revive struggling downtown

While perceptions around public safety have begun to shift in Oakland, organizers say the city has yet to see the rebound in activity that is taking place across the Bay.

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Sep 10 • 11:00 AM EDT • Business • sfchronicle.com
New Playbook Reveals Health Systems Are Saving Millions on EHR Training

/PRNewswire/ -- uPerform, the market-leading just-in-time learning platform, today released the Training Transformation Playbook, a practical guide for health...

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Sep 10 • 8:00 AM EDT • Health • prnewswire.com
Optum Health's partnership playbook

Optum Health's deal with TPG for its WellMed Florida clinics offers a potential playbook for its other provider markets like Texas.

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Sep 9 • 4:38 PM EDT • Health • axios.com
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Your Holiday Shopping Season Playbook: What to Do Now - Small Business & Entrepreneurship Council

By Barbara Weltman – The National Retail Federation (NRF) says the holiday shopping season runs from November 1 through December 31. Last year, an NRF survey found that 42% of consumers planned to begin holiday shopping before November. Will this year be different? And what will consumers on average spend? Last year, sales were strong, surpassing the prior […]

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Sep 9 • 9:04 AM EDT • Business • sbecouncil.org
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Sep 9 • 7:46 AM EDT • Politics • politicspa.com
This Founder Built a $220 Million Fitness Business. His Playbook Comes Down to 4 Decisions

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Sep 9 • 6:00 AM EDT • Business • inc.com
What to watch in New Hampshire tonight: From the Politics Desk

Plus, Republicans revive a familiar playbook in Texas.

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Sep 8 • 5:40 PM EDT • Politics • nbcnews.com
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Sep 8 • 8:07 AM EDT • Politics • politicspa.com
Can William Lawrence, a Progressive, Flip a Key Michigan House Seat?

William Lawrence, a progressive challenging a first-term Republican, is trying to rewrite the playbook for Democrats running in swing districts.

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Sep 8 • 5:05 AM EDT • Politics • nytimes.com
Cosm’s 700-seat domes make NFL rights run like venue operations

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Sep 5 • 6:16 AM EDT • Entertainment • marketscale.com
September 4 Playbook: Fetterman Shows Little Interest In Doing Job

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Sep 4 • 8:11 AM EDT • Politics • politicspa.com
Trump Returns to a Familiar Playbook as the War With Iran Flares Up Again

President Trump called on Iranians to “rise up and fight” on Tuesday as the United States seems increasingly bogged down after six months of conflict.

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Sep 2 • 10:00 AM EDT • Politics • nytimes.com
Florida Politics: Hope Florida, Nixon-Moody debate?

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Sep 1 • 4:07 PM EDT • Politics • fox35orlando.com
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The New Playbook for Companion Screen Advertising

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Aug 31 • 8:00 AM EDT • Sports • geniussports.com
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. 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(Fintech Takes Banking) Untangling Guggenheim: How Private Credit Built Its Own Universe (Net Interest) The Hater’s Guide To Circular Financing — Part One (Ed Zitron) Fiat Ventures Rebrands to FGV Capital, Announces $35M Oversubscribed Fund II (BusinessWire) Socure Announces Strategic Growth Investment at $5.2B Valuation and Acquires Agentic Operations Platform Fravity (Socure) Listen: When Consumer Protection Disclosures Work Too Well (Consumer Finance Monitor Podcast) Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices When Andreessen Horowitz led EarnIn’s $39 million Series B in 2017, Alex Rampell, a partner at the storied venture capital firm, described EarnIn’s small-dollar advance product as “free,” relying on “entirely on voluntary contributions instead of fees.” Rampell favorably compared EarnIn’s approach to typical payday loans, writing, “Payday loans historically have had the potential to be a slippery slope for consumers into financial distress: opaque systems and steep fees that are hard to repay and set individuals back further than where they started. For many Americans living paycheck to paycheck, that kind of slide into debt can be extremely difficult to recover from.” But EarnIn’s product — which, the company says, isn’t a “loan,” legally speaking — ends up being anything but free for most users. While it is technically possible to take a no-fee advance from the company, most users incur “Lightning Speed” (instant funding) fees and/or ostensibly optional tips that combined can equate to annualized percent rates that can reach over 1,000%. With an average term of 9.77 days, even fees and tips that are small on an absolute dollar basis are equivalent to high APRs on an annualized basis. A lawsuit filed last week by Colorado Attorney General Phil Weiser against EarnIn describes the company and its product and business practices quite differently than Andreessen’s Rampell; “EarnIn’s business practices are unfair because they are immoral, unethical, oppressive and unscrupulous,” the complaint, filed in District Court in Denver, Colorado, says. EarnIn’s marquee product, Cash Out, isn’t a loan, the company says, as Cash Out is not “[f]orward [l]ooking” because “[t]he money is transferred based on earnings to date,” does not carry a mandatory fee to access funds, and is “non-recourse,” meaning EarnIn cannot pursue recovery from users who don’t repay advanced funds. EarnIn is sometimes referred to as an “Earned Wage Advance” service. Though, unlike some others in the broader category, EarnIn does not integrate with employers’ payroll or time and attendance systems. Rather, EarnIn attempts to verify a user’s income and employment, by examining direct deposit transaction data in their linked external bank account, by using GPS location and Bluetooth data to estimate a user’s time spent at work, if they work in a fixed location, and/or by having a user provided a work email address. While repayment is theoretically optional, as EarnIn would have no recourse, such as reporting non-payment to the credit bureaus or a collections agency, this is anything but clear to users of the EarnIn app, Colorado’s complaint argues. During the process of taking a Cash Out, users must agree to a preauthorized debit of the amount advanced, plus any expedited funding fee and/or tips. Though users technically can revoke this ACH authorization, the fact that they have this right isn’t presented to users during the Cash Out process, but rather is included in linked terms and conditions few users are likely to actually read. And users who do wish to revoke their ACH authorization must do so three or more days before the scheduled transaction date by emailing EarnIn’s customer support. Similarly, EarnIn’s marketing claims that it carries “no interest” and “no mandatory fees” is technically true, but is not the reality for many of the app’s users, the Colorado complaint argues. Further, EarnIn has extensively marketed to users the ability to “access your pay today,” to get “instant” funds, and to get funds “the same day you work” — when, in reality, this speed of access was only possible by paying the additional, undisclosed Lightning Speed fee. The Colorado complaint highlights this contradiction specifically, noting: EarnIn tells consumers that they can ‘Make any day payday with EarnIn’ and that there no ‘hidden’ or ‘mandatory fees.’ For a consumer to access their pay on the same day requested, they would have to pay the Lightning Speed fee. In the fine print of the advertisement EarnIn discloses that ‘[f]ees apply to use Lightning Speed,’ a direct contradiction to the larger text of the advertisement, and a fact that would not be immediately understood by a consumer as ‘Lightning Speed’ is not defined nor explained. Like other small-dollar lending services, rather than explicitly charge interest, EarnIn collects a markup on the optional Lighting Speed fee, which, given the nature of the transactions, many users opt for, as well as offering users the option to leave “tips.” EarnIn leverages either Real-Time Payments (RTP) rails or push-to-card via debit rails if a user opts for the optional Lightning Speed. But while these capabilities cost EarnIn, on average, $0.075 or $0.20 per transaction, respectively, EarnIn charges users significantly more. Initially, EarnIn charged as little as $1.99 for Cash Outs up to $24. But EarnIn has hiked these fees multiple times, and now charges $4.99 for Cash Outs up to $75 and $6.99 for those over $75. According to the Colorado complaint, EarnIn leverages “dark patterns” to manipulate users and to make it more difficult to avoid tipping. Examples of these “road blocks” highlighted in the complaint include: As of 2023, in the EarnIn app, a consumer attempting to get a loan under the default settings had to make at least eighteen separate taps to complete the transaction and reduce the tip to $0. There is an alternative method to leave a $0 tip, via the “Custom tip” feature, but EarnIn made this option difficult to access by visually deemphasizing it and positioning it near devices’ “home” button. Using language and imagery such as “Tip to pay it forward,” “Your generosity supports the service + helps,” “Your tips make a difference,” and “[t]he APR for this cash out is 0%. Your tips help support us.” While Lightning Speed and tipping are, in theory, both optional, in practice, users nearly always ended up paying something. According to the Colorado suit, users were charged either a tip or an expedite fee for more than 92% of transactions, with an average APR of nearly 388%. And, although the advances are “non-recourse,” EarnIn successfully collects on nearly all transactions — 99.18%, according to the complaint, which, Colorado argues, “demonstrat[es] that EarnIn’s advances function as high cost loans, not voluntary payments.” The share of EarnIn users incurring fees — despite the product being marketed as 0% APR — is hard to reconcile with Andreessen investor Rampell’s favorable description of EarnIn vs. “opaque systems and steep fees” associated with payday loans, which, Rampell says, can be “extremely difficult” for borrowers to extricate themselves from. According to Colorado’s suit, EarnIn’s Cash Out product “trapped many consumers in extreme cycles of high-cost reborrowing.” The suit gives an example of one consumer in the state, who took out a whopping 1,151 loans, paying a total of $4,038.50 in Lightning Speed expedited funding fees on loans that averaged the equivalent of 1,421% APR. Another Colorado user, the suit says, took out 1,033 loans, paying $8,561.22 in tips and fees at an average APR of 1,539% . These types of usage patterns demonstrate “the severe and repeated financial harm caused by EarnIn’s illegal lending model,” the Colorado complaint argues. In aggregate, from January 2023 through July 2025, EarnIn extended 3.1 million loans to 56,778 users in Colorado — an average of nearly 55 transactions per person during the time period. EarnIn lent more than $300 million and collected more than $16 million from Colorado users in Lightning Speed fees and in tips. Ultimately, the Colorado complaint argues that “EarnIn’s Cash Outs are loans under Colorado law, and EarnIn’s contention that its product is not a loan based on its disclaimer of any legal repayment obligation lacks any real-world significance given how the Cash Out transactions actually operate in practice.” Colorado further argues that “EarnIn was not working with companies here in providing consumers with funds but acted as a third-party lender and charged illegally high rates, used deceptive design strategies to extract some charges, and trapped consumers in repeat borrowing. Colorado will continue to stand up for consumers and hold companies accountable when they violate our credit laws or attempt to evade them through misleading practices.” Colorado’s suit alleges EarnIn assesses finance charge in excess of that permitted by Colorado law, that EarnIn failed to make legally required disclosures to Colorado borrowers, that EarnIn made supervised loans to consumers without obtaining the requisite license, that EarnIn violated the state’s Deferred Deposit Loan Act, that EarnIn engage in unfair and deceptive trade practices, and that EarnIn made false or misleading statements concerning price. The suit seeks a court order enjoining EarnIn from violating relevant Colorado laws, for EarnIn to refund amounts charged in excess of state law, fees, costs, and penalties, and other relief the court deems to be just. Fintech Business Weekly is made possible by the generous support of paying subscribers — bringing you independent analysis of banking, fintech, and crypto without fear or favor. You can support my work by becoming a paying subscriber if you aren’t already. Paying subscribers enjoy: access to the entire archive of nearly six years of newsletters extended versions of the weekly newsletter, with additional content and analysis and (for founding member tier) quarterly personal 1:1 fintech Q&A / strategy calls with me, tapping into my unparalleled knowledge of the intersection of banking and fintech and experience working in the sector, including helping to launch Goldman Sachs’ retail bank Marcus Support Fintech Business Weekly You can also support Fintech Business Weekly by sponsoring a newsletter or podcast, putting you in front of 93,000+ of the most influential decision makers in banking, fintech, and crypto. Learn more about sponsor opportunities or request a media kit by dropping me an email. Q2 Quarterly Banking Profile: Five Quick Takeaways The FDIC released its quarterly banking profile, which is always worth a read, for the second quarter. The profile provides an aggregate snapshot about the overall health of the 4,238 institutions whose deposits are insured by the FDIC, who, collectively, hold more than $26 trillion in assets and saw a total net income of more than $90 billion in the second quarter. Net income was up 12% vs. Q1 2026, with lower provisions and realized gains on securities helping to drive the improvement, somewhat offset by increases in non-interest expense and applicable income taxes. Overall net interest margin was basically flat quarter over quarter (up 1 basis point vs. Q1 2026), though community banks saw NIM grow by 10 basis points, to 3.81%. Unsurprisingly, given that interest rates haven’t changed, unrealized losses on securities changed little, edging up slightly to $326.7 billion vs. $325.1 billion in Q1 2026. Aggregate credit quality has remained benign, with asset quality actually improving slightly in Q2. Overall, institutions reported a 9 basis point decline in their past-due and non-accrual rate, to 1.44%. Net charge off rate also declined by 2 basis points, to 0.57%. And finally, the FDIC’s deposit insurance fund stands at $161.1 billion, making the DIF reserve ratio 1.48% — above the statutory minimum of 1.35%, but still below the designated target reserve ratio of 2%. [Paid Subscriber Exclusive] Nissan Withdraws ILC App, State Associations Plan BankChain Alliance, FDIC Defines “Unsafe or Unsound Practice” For First Time Automaker Nissan withdrew its application to charter a Utah industrial loan company and its corresponding application to the FDIC for deposit insurance last week, on August 19th. Nissan’s application had been outstanding for more than a year, as it originally applied in June 2025. Recent applications to the OCC to form national banks have been decisioned, one way or the other, substantially more quickly than has historically been the case.

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Aug 30 • 9:00 AM EDT • Business • fintechbusinessweekly.substack.com
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