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7-Year MLB Veteran Immediately Leaves Philadelphia Phillies Organization

A seven-year Major League Baseball veteran immediately left the Philadelphia Phillies organization this offseason. The post 7-Year MLB Veteran Immediately Leaves Philadelphia Phillies Organization appeared first on HEAVY.

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Nov 7 • 9:49 PM EST • Sports • sports.yahoo.com
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Wake Forest Hammers Merrimack, 77-0

The best thing you can say about the Wake Forest game against Merrimack is that it’s over, with the win, and no significant injuries. The Demon Deacons, without their starting quarterback, slapped Merrimack around in a game that was over at halftime. Wake beat Merrimack 77-0. The Deacs scored seven times in the first half …

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Nov 7 • 8:33 PM EST • Sports • sports.yahoo.com
Michigan Rules 7 Players OUT vs. MSU

Michigan football has ruled out seven players for Saturday's rivalry game against Michigan State, with Hogan Hansen a game-time decision.

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Nov 7 • 5:46 PM EST • Sports • sports.yahoo.com
7 Cavs land on injury report ahead of Knicks game

The Cleveland Cavaliers face several availability concerns ahead of their Saturday meeting with the New York Knicks . Starting center Jarrett Allen headlines the list of absentees after being ruled out for a second straight game with a right knee contusion, as the NBA listed seven players as unavailable . The NBA’s official injury report lists […] The post 7 Cavs land on injury report ahead of Knicks game appeared first on ClutchPoints.

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Nov 7 • 4:02 PM EST • Sports • sports.yahoo.com
How did Democrats flip four Pennsylvania congressional seats?

Democrats defeated Republican incumbents in four Congressional seats in Pennsylvania – the first district in Bucks County, the seventh district in the Lehigh Valley, the 8th district in the Scranton/Wilkes-Barre area and the 10th district in the Harrisburg area. Political reporter Lauren Mayk talked to Eli Cousin with the DCCC about their strategy. She also talked with Republican Guy Ciarrocchi about what’s ahead for Republicans.

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Nov 7 • 3:35 PM EST • Politics • nbcphiladelphia.com
Rams' Quentin Lake apologizes to Justin Herbert for 'deli meat' remarks, Chargers not moving QB via trade

Herbert leads the NFL in interceptions and holds the league's worst QBR through seven games

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Nov 7 • 12:20 PM EST • Sports • cbssports.com
This popular KC neighborhood has become a hub for women-owned businesses

It has a block that is 100% women-owned. But beside those seven, there are 25 other women-owned shops and eateries.

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Nov 7 • 11:00 AM EST • Business • kansascity.com
Former “DWTS” contestant Danielle Fishel thinks judges are harder on women than men: They ‘get a pass’

Fishel and her pro partner, Pasha Pashkov, were eliminated seventh on season 34.

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Nov 7 • 9:20 AM EST • Entertainment • yahoo.com
Decade of Data Science Research Reveals Massive Growth and Global Disparities

A bibliometric analysis of over twenty-seven thousand scholarly records reveals how data science expanded across the globe between 2015 and 2025.

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Nov 7 • 3:54 AM EST • Science • bioengineer.org
Kevin Kilbane Reflects on Sunderland, Peter Reid and Derby Day

From back-to-back seventh-place finishes to THAT unforgettable derby victory at St James' Park, Kevin Kilbane looks back on his time at Sunderland and the people who shaped his career.

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Nov 7 • 1:00 AM EST • Sports • sports.yahoo.com
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Road Rash Finally Goes Digital as EA Adds 25 Classic Games to Steam

EA has put 25 classic PC games on Steam with a very interesting story behind them. Seven of them are restored Anniversary Editions of Road Rash and six Wing Commander titles. The other 18, which include Theme Hospital, Strike Commander, both Crusader games, and eleven Ultima games, are on Steam...

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Nov 6 • 10:38 PM EST • Technology • techpowerup.com
Springfield women’s mental health seminar encourages open conversations and support

State Rep. Bud Williams hosted the seventh installment of his health and wellness series Friday evening, bringing Springfield residents together for a seminar focused on women’s mental health…

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Nov 6 • 10:38 PM EST • Health • wwlp.com
Portland burglar sentenced to 7 years for apartment building, business break-ins

A Portland man has been sentenced to seven years in prison for a string of burglaries at several apartment buildings and businesses.

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Nov 6 • 7:56 PM EST • Business • kptv.com
Mariners finally bring Tanner Swanson home to join coaching staff

Local legend Tanner Swanson comes home to the Mariners after spending the last seven years with the Yankees

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Nov 6 • 6:07 PM EST • Sports • sports.yahoo.com
Commentary: Thomas Curry leads loaded Arkansas men's golf lineup

Curry is on the right trajectory after finishing in the top seven in all four of the fall golf tournaments.

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Nov 6 • 4:41 PM EST • Sports • wholehogsports.com
The Perfect Child Sued by Elevance Health over $800M in Fraudulent Billing

Seventeen subsidiaries of Elevance Health (NYSE: ELV) have sued The Perfect Child ABA, its founder Simcha Bendet and a massive network of

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Nov 6 • 3:39 PM EST • Health • bhbusiness.com
Seven Bangladeshi scientists elected fellows of prestigious global academy

Seven Bangladeshi scientists elected fellows of prestigious global academy

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Nov 6 • 1:05 PM EST • Science • muslimnetwork.tv
Spacewalk Cleanup, Biomedical Science, and Maintenance Wrap Up Week

The seven Expedition 75 crew members cleaned up after a spacewalk, conducted biomedical assessments, and maintained orbital systems to wrap up a busy week aboard the International Space Station.

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Nov 6 • 12:48 PM EST • Science • nasa.gov
Archrival Leaps Over Steelers Icon on All-Time NFL Leaderboard

With his 57 rushing yards in Thursday night’s 33-10 loss to the Jacksonville Jaguars, Derrick Henry moved into seventh place […]

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Nov 6 • 12:20 PM EST • Sports • sports.yahoo.com
Ellsworth City Council election heads to recount

The Ellsworth City Council election will head to a recount for the second year in a row after just seven votes separated the second-place finisher from the third.

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Nov 6 • 10:20 AM EST • Politics • ellsworthamerican.com
Majority of Americans Say Social Media Companies, News Outlets Have Too Much Power in Politics

About seven-in-ten Americans say social media firms wield too much political power; 55% say so of news outlets, but Republicans and Democrats differ.

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Nov 6 • 9:55 AM EST • Politics • pewresearch.org
Matt Damon reveals health scare that forced him to miss 2024 Oscars

Damon was part of the ensemble cast of ‘Oppenheimer’, which won seven Oscars that year

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Nov 6 • 5:23 AM EST • Health • yahoo.com
Seven-goal win provides cup inspiration for Aldershot

Aldershot Town defender Ollie Harfield says their famous 7-4 win at League Two Swindon is giving them belief ahead of their FA Cup trip to Barnsley.

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Nov 6 • 4:47 AM EST • Sports • sports.yahoo.com
German pension fund raided in probe of troubled real estate deals, including Chicago

At the heart of the probe are “loss making” investments by BVK in seven US real estate projects spanning Chicago, New York, Miami Beach, Beverly Hills and San Francisco.

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Nov 5 • 12:33 PM EST • Business • chicagobusiness.com
Bigger bacon and ditching breakfast: Wendy’s reveals turnaround plan as sales slump continues

Wendy’s reported its seventh consecutive quarter of declining sales, prompting the company to reveal a turnaround plan while rejecting a massive takeover offer.

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Nov 5 • 11:02 AM EST • Business • cnn.com
Tuomas Iisalo Praises Olivier-Maxence Prosper’s Energy Against Pacers

Tuomas Iisalo praised Olivier-Maxence Prosper for always being ready and bringing energy after his seven-minute spark against Indiana.

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Nov 5 • 9:58 AM EST • Sports • sports.yahoo.com
Regent raises the curtain on Seven Seas Prestige’s entertainment

Featuring six original productions and Regent Seven Seas Cruises’ most expansive live music offering yet, the brand's new ship debuts next month.

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Nov 5 • 9:34 AM EST • Entertainment • seatrade-cruise.com
How the Denver Broncos can beat the Carolina Panthers

The Denver Broncos head on the road to face the Carolina Panthers in Week 9. Here is how they can earn their seventh win of the season.

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Nov 5 • 8:00 AM EST • Sports • sports.yahoo.com
Unfinished business for Cantero as Pearson chases a Chilean double

Last Sunday in San Pedro de la Paz, five men came off the bike together and only 44 seconds separated them at the line. Seven days later, almost all of them…

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Nov 5 • 6:19 AM EST • Business • triathlon.org
Houston business owner gets water restored after seven weeks without service and nearly $2,000 bill
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Nov 5 • 6:12 AM EST • Business • click2houston.com
Four evening games in winter

The next seven matchdays in the Bundesliga have been scheduled. Eintracht play four times at 18:30, while the second half of the season begins on a Sunday.The Bundesliga has confirmed the schedule for...

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Nov 5 • 4:59 AM EST • Sports • sports.yahoo.com
Patriots’ Mike Vrabel doesn’t sound thrilled about catching up with Tom Brady before he calls Packers game

Tom Brady will return to Gillette Stadium on Sunday, but this time he won’t be wearing a Patriots uniform. The seven-time Super Bowl champion will be at the stadium as a FOX Sports broadcaster for New England ‘s Week 9 matchup against the Green Bay Packers. His return also gives former teammates a chance to reconnect. However, Patriots head coach […] The post Patriots’ Mike Vrabel doesn’t sound thrilled about catching up with Tom Brady before he calls Packers game appeared first on ClutchPoints.

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Nov 5 • 4:04 AM EST • Sports • sports.yahoo.com
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'Mormon Wives' star Jen Affleck files for divorce from husband Zac

"Secret Lives of Mormon Wives" star Jennifer Affleck is divorcing husband Zac Affleck after seven years of marriage.

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Nov 4 • 7:09 PM EST • Entertainment • centraloregondaily.com
‘Secret Lives of Mormon Wives’ star Jen Affleck files for divorce amid pregnancy

‘The Secret Lives of Mormon Wives’ star Jen Affleck has filed for divorce from Zac Affleck, her husband of seven years, months after announcing her pregnancy with their fourth child.

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Nov 4 • 6:29 PM EST • Entertainment • ew.com
Political science expert breaks down Tuesday's election results

BOWLING GREEN, Ky. – Election Day, Tuesday, brought both a large and small scale blue wave, along with some very close local races here in south-central Kentucky. On a national scale, the republican lead house has lost at least 29 seats with 64 seats still yet to be officially confirmed. The United States Senate Democratic Party has gained seven seats, while...

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Nov 4 • 5:23 PM EST • Science • wnky.com
Numbers Like Duke to Continue Winning Streak vs NC State

The Blue Devils are looking to win their seventh game of the year.

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Nov 4 • 4:36 PM EST • Sports • sports.yahoo.com
Pennsylvania health officials confirm a sixth measles-related death

Pennsylvania health officials are still investigating a seventh death reported by Franklin County’s coroner last month.

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Nov 4 • 4:33 PM EST • Health • inquirer.com
7 Central Valley businesses receive alcohol licenses

Seven businesses across the Central Valley received alcohol licenses, including restaurants and markets. See the businesses, locations and license types.

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Nov 4 • 1:12 PM EST • Business • thebusinessjournal.com
Let’s figure out Alex Vesia’s contract in free agency

Alex Vesia was a fixture in the Dodgers bullpen for the last six seasons, after getting acquired from the Miami Marlins ahead of the 2021 season. So much so that his 367 games pitched are 13th-most in Dodgers history, and seventh-most among relievers in franchise history. Now, Vesia is one of nine Dodgers free agents, […]

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Nov 4 • 12:08 PM EST • Sports • sports.yahoo.com
Leading the Health Care Workforce Through Change: Leadership, Policy, and Innovation in Action

On Sept. 17, human resources (HR) and employee relations leaders from seven essential hospitals gathered in Washington, D.C., for “Leading the Health Care Workforce Through Change: Leadership, Policy, and Innovation in Action.” Hosted by America’s Essential Hospitals and Essential Hospitals Institute with support from the Robert Wood Johnson Foundation, the convening focused on strategies for […]

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Nov 4 • 11:24 AM EST • Health • essentialhospitals.org
'Spider-Man: Brand New Day' Remains Atop Weekly U.K. Home Entertainment Sales Chart

Sony’s Spider-Man: Brand New Day remained atop of the Official Film Chart, the weekly U.K. home entertainment sales chart through Nov. 4, in its fourth week in the Top 10. Warner’s sci-fi thriller The End of Oak Street, starring Anne Hathaway and Ewan McGregor, leapfrogged 10 spots to No. 2 in its seventh week, followed … Continue reading "‘Spider-Man: Brand New Day’ Remains Atop Weekly U.K. Home Entertainment Sales Chart"

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Nov 4 • 10:37 AM EST • Entertainment • mediaplaynews.com
Browns make seven roster moves after Steelers loss

Practice squad shakeup for the Cleveland Browns heading into Week 9

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Nov 4 • 9:02 AM EST • Sports • sports.yahoo.com
The Miami Heat Are Losing What Made Them Dangerous

The Miami Heat have built their identity around toughness, defensive intensity, and holding opponents accountable. Those qualities have defined the franchise for years, but through the first seven games of the 2026-27 NBA season, the team has struggled to uphold those standards with the Heat's disastrous start. Miami's 138-117 loss to the Los Angeles Lakers …

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Nov 4 • 9:00 AM EST • Sports • sports.yahoo.com
Post-Election Analysis: The Annihilation of the Trump Coalition

Ten years ago, Donald Trump shocked the political world with an Electoral College victory that hurled defiance at the polls, the pundits, and the traditional tenets of the Republican Party. On Tuesday night, Republicans in Congress received a rebuke from voters that was equally earth-shattering.The sheer size of the Democratic wave — they are on track to flip at least 40 seats in the House and seven in the Senate — is even more impressive given how many of those seats Trump carried by double digits just two years ago.

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Nov 4 • 7:45 AM EST • Politics • cookpolitical.com
AI boosts operational efficiency but not systemic climate action, global study finds

Artificial intelligence (AI) is widely promoted as a tool for sustainable development, but whether its operational gains translate into deeper ecological transformation remains uncertain. A new global assessment examines how AI diffusion relates to seven core United Nations Sustainable Development Goals (SDGs), covering health, education, clean energy, industry and infrastructure, sustainable cities, responsible consumption and production, and climate action. It also explores the channels behind

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Nov 4 • 2:45 AM EST • Science • newswise.com
SC secretary of state wins 7th term leading office for business filings

South Carolina’s longtime secretary of state, Mark Hammond, won a seventh term in office.

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Nov 4 • 12:15 AM EST • Business • scdailygazette.com
AFGHS co-signatory countries ask health care users to help fill the financing gap

Hundreds of thousands of Ugandans living with HIV on antiretrovirals could be targeted for user fees or community health insurance schemes requiring modest premium payments, according to the April 2026 version of the country’s America First Global Health Strategy implementation narrative.1 As part of the “sustainable financing for the private not for profit sector” strategy, 491 facilities will be targeted for a phased introduction of user fees and scale up of community health insurance programs.2 In the Ugandan context, PNFP facilities include faith-based hospitals and other health facilities, US missionary organizations and centers of excellence—services that are often co-located at government facilities but run with additional financial and technical resources. 402,000 people—or about 28 percent of the total Ugandan adult PLHIV population on treatment—get ART from the private not for profit sector. The selected facilities provide the majority of ART and prevention of mother to child transmission (PMTCT) services. The plan doesn’t give the total number of clients served by the 491 facilities, so it is not possible to give a precise number. But the majority of 402,000 is a figure in the hundreds of thousands—hence the estimate I’m using.3 The April draft of the Ugandan implementation plan narrative is the only one I’ve been able to review. But the government of Uganda is not alone in turning to health care users to help fill the financing gaps caused by the abrupt withdrawal of US funds. In July 2025, the Government of Liberia introduced user fees for previously free services including “registration, accommodation, patient feeding, hospitalization, and a wide range of surgical and diagnostic procedures.”4 Earlier that year, Liberia rolled out a revolving drug fund designed to stabilize drug supplies by “allowing patients to pay a small fee for standardized, quality medications,” according to a Ministry of Health press release.5 (Both of these approaches had been proposed in the National Health Policy 2022-2031; media coverage explicitly connects the launch with the US foreign aid cuts.) The health financing strategies proposed by Uganda and established in Liberia are qualitatively different from user fees officially adopted by specific health facilities to cover funding shortfalls caused by the new US approach.6 The latter is a stopgap, adhoc change. The former is a national governmental adoption of policies that pass costs on to health care users, despite evidence that such approaches can exacerbate inequities and leave deficits unfilled. Two countries does not make a pattern, but they do point to urgent questions: Have other countries, including Liberia, included user fees or community health insurance schemes in their implementation plans? If so, do any of these narratives have what Uganda’s lacks: a fall-back plan in place in case these strategies for sustainable health systems fail to deliver—as they have before? I wonder if you think about it Subscribe Predictable pitfalls Both community-based health insurance and user fees are as old as the hills. And after decades of people climbing up these hills, duking it out, climbing back down—neither strategy has shown the results the Ugandan implementation plan is counting on. This is, in fact, a hill some folks are willing to die on. (You knew I’d get there, right?) In November 2025, an African-led team of health system experts published a paper directed at low- and middle income country governments trying to figure out how to create self-sustaining health systems. The money wasn’t coming back. It had been more than nine months since the season of freezing, waivering and wood-chippering; two months since AFGHS tumbled into the world touting co-financing requirements and reductions in future US government health aid. Governments were looking for strategies for sustainable, self-financed health systems, the authors wrote. For countries considering user fees and community health insurance to fill the financing gaps, they had a simple message: Don’t. On user fees, the paper states: “Reliance on user fees is ultimately a regressive and inequitable approach. It places a disproportionate burden on the poor and undermines health system goals of equity and financial protection. […] There is overwhelming evidence that user fees mobilise very limited resources for the public health sector, making it an inefficient mechanism for revenue mobilisation.” On community health insurance: “Attempting to shift the burden of funding previously donor-funded services, such as HIV care and management, and TB treatment, onto contributory schemes would exacerbate their fragility and fail to protect the population.”7 The WHO says that community-based health insurance “cannot be expected to provide a major source of funding or coverage,” and noted that most schemes offer only moderate benefit to individuals paying into them, and exclude the poorest segment of the population.8 And yet, the US-Ugandan implementation plan says that community health insurance is “the central pillar of this [PNFP] sustainability strategy” and that this approach that will generate “pre-paid pooled funding at facility and community level [that] improves financial risk protection for households, reduces catastrophic out-of-pocket expenditure, and generates structured, transparent revenue streams that can progressively absorb recurrent costs including health worker salaries.” Unfortunately, Uganda’s own history suggests the pillar might not be able to bear this weight. Ugandans Have Been to this Rodeo Before—and Some Want Their Money Back Uganda introduced its first community health insurance scheme in 1996 with support from international donors.9 Thirty years later, somewhere between 0.2 and 0.3 percent of the population is covered by CHI; just over 1 percent has any kind of health insurance.10 User fees were universally introduced in 1993 as a condition of a World Bank loan.11 They were abandoned in 2001, and in 2004—the year I moved to Uganda to watch the free HIV program get underway—a definitive study found that the fees did not improve health systems and outcomes.12 In 2004, most clinics and hospitals had ‘free’ and ‘fee for service’ options for getting care.13 The fee for service, or “cash and carry” programs had often been established in the years prior to PEPFAR and the Global Fund to Fight AIDS, Tuberculosis and Malaria. People who could afford to paid for the drugs, often at facilities in the private-not-for-profit (PNFP) sector. When free drugs arrived, some people who’d been paying kept on doing so, perhaps because of shorter wait times, greater confidentiality, convenience or other factors. But in the year that I spent visiting the same clinics around the country week after week—including a “center of excellence” that maintained separate days for cash and carry clients and those accessing free ARVs—lots of people who had been paying tried to switch to the free option. They’d paid because they had no other choice. They’d sold pieces of family land, begged family members for loans, bought pills by the week, and sometimes by the day. Or they were just cash-strapped, like most of us, and wanted the funds for other things. 14 Twenty-two years later, this hasn’t changed. Ugandans pay out of pocket for 30-40 percent of their health care costs, leading one paper to declare that “falling ill is more than a health crisis. It is a financial emergency.”15 One recent study found that up to 48.5 percent of households dealing with tuberculosis sold something, took out a loan or dug into savings to defray the costs of TB care—which is supposed to be universally free.16 The Ugandan implementation plan does anticipate challenges. It proposes a phased approach, with 187 facilities introducing user contribution systems in Year 1, 152 in Year 2, and 153 in Year 3. Willingness to pay and feasibility studies will precede roll out; fees will be tiered by region, and a waiver system is proposed to ensure that no one has to pay who is unable to. Moreover, the plan provides for quarterly reviews of epidemiological data to “ensure that user contributions do not compromise epidemic control gains, ART continuity for the client cohort, TB case management, or PMTCT services.” Alt text: A screenshot of a table included in the implementation plan narrative that is the subject of this stack. It’s got a fetching pink bar at the top. It uses the abbreviation “CHI” which is Community Health Insurance, and FBO which is Faith Based Organizations, and it details the number of facilities that will implement user fees with waivers and community health insurance schemes over the five years of the agreement. As I said in the footnote, this is a super interesting document with a lot of other rich material. Tell me what you see—and what you would have focused on. And if you’ve seen something like this, or anything else that strikes you, in another implementation plan, tell me that too. You can use the Substack message platform or try me on Signal at @endaplague_again.25 (because @mercoonfan was, weirdly, taken). But the plan doesn’t fully explain what will happen if this approach doesn’t work out. Yes, progress will be monitored, and corrective action triggered. However, there is no specified funding replacement if premium and fee revenue prove inadequate. Instead, the authors write, “Currently, COEs serve a total client cohort of over 180,000 across 28 facilities. In the initial years, the U.S. Government (USG) will provide financial support for clients; over time, user fees generated by COEs will become the primary source of funding for sustaining their services.” Failure does not really seem to be an option. Health insurance schemes are more acceptable to the Ugandan population than user fees. Members of Parliament and civil society traveled to Ethiopia to see how that country’s scheme worked. In a follow up report, a veteran civil society group recommended allowing the “health insurance ecosystem to grow organically and [to] keep reviewing the law and regulations as this growth takes root.”17 One study found that more than three-quarters of Ugandans were willing to join a health insurance program.18 However, coverage of community-based health insurance is minimal, as is coverage of any kind of insurance—including private plans.19 A national health insurance scheme bill has been stalled for several years and presently sits with President Yoweri Museveni.20 Community-based health insurance scheme that do exist are expanding in number, but losing enrollees. Between 2022 and 2026, the number of community-based health financing schemes across the country increased by 42 percent, while the number of people enrolled decreased by nearly 11 percent.21 None of this means that community-based health insurance should not happen in Uganda—or that people do not want insurance. It doesn’t even mean that user fees and waivers won’t ever work. But there is highly relevant evidence from Uganda and the surrounding region that it is quite optimistic to describe community health insurance and user fees as central supports for sustainable financing in any sector of the health system. And now for the best-case scenario In the best-case scenario22, the Ugandan approach does exactly what it sets out to do, and so does the Liberian fee structure and revolving pharmacy fund—though I’ve not confirmed that these are in the MoU. In one best-case scenario, Uganda is an outlier, and user fees and community health insurance are not recurrent pillars of self-sustaining financing in other countries’ implementation plans. In another best-case scenario, all countries that include these strategies enjoy success beyond anyone’s evidence-informed wildest dreams: reliable funding generated by health care users fees, great health care outcomes for everyone, no exacerbation of inequities, no crippling household debt. No sold land, repurposed school tuition or high-interest loans. In the best-case scenario, not one of the hundreds of thousands of Ugandans living with HIV receiving antiretrovirals from 491 PNFP facilities misses a refill or leaves care because of user fees or community health insurance premiums. This is the best-case scenario for these people for their own health, and for their families. It is also the best-case scenario if Uganda wants to stay on the path to eliminating HIV as a public health threat. According to the country’s most recent data, 96.5 percent of people living with HIV on antiretrovirals are virologically suppressed. Epidemic control depends ensuring that 95% of people living with HIV know their status, 95 percent of those individuals are on ART, and 95% of those individuals are virologically suppressed. Uganda is still struggling with the first “95"—a frankly abysmal 85.3 percent. If HIV epidemic control and the attendant prevention of new infections, avoidable suffering and premature death matter, the country cannot afford to lose any clients who are currently in care.23 As I write this a couple hours before the polls close for the US elections in the city I live in, I say with soul-deep sincerity: I am rooting for the best-case scenario. I think it’s safe to say that we all are.24 I think it’s also safe to say that if the US and co-signatory governments have inked plans that lead to successful expansion of community health insurance and strategic use of user fees, we all would like to know, now, so that we don’t miss the opportunity to celebrate when success happens. The implementation plan narratives have to enter the public domain. They are the fullest expression of a strategy co-created by two governments. There are assumptions and details that people living in the US and co-signatory countries need to understand that are not available in the MoUs or, to date, in the Congressional Notifications. Some of these details can help other countries that are, as I write this, still working on implementation plans. Others, like a solid count of how many other countries have plans for expanding user fees or health insurance, are important for regional and global health architecture reform initiatives. No matter how this election night turns out, there will be a slew of new Congressional member orientations, briefings and talking points papers in the next few months. Release of implementation narratives should be a bullet point in every context that AFGHS is discussed. These documents can be redacted so that procurement sensitive information isn’t disclosed. There is much more historical precedent for sharing such documents than there is for relying on user fees to fill health financing gaps. Let’s look at the information together so we can hope for the best and prepare for, you know, the other thing. Alt text: A substack first: a bicep selfie! It’s my arm - peachy-white skin, black shirt (flannel, notch neck, too hot for this appallingly balmy November weather, if you’re wondering) and a sticker that says I VOTED 2026. Beige letters on red for I voted. Beige on blue for 2026. You bet I did.25 In your wildest dreams. Subscribe 1 This is a really, really rich 95 page document. There are fascinating ideas and detailed plans in it. It is all worth reading AND I have, in this post, highlighted an instance of content that could pose challenges and certainly posits success of strategies that haven’t worked before. I would love to hear what readers’ see that’s interesting and should be lifted up as something to check for in other implementation plans. I will also shortly be adding a static page to the substack site where implementation plan documents will live. I will put the url into this footnote and it will also be there on emilybass.substack.com by the end of the week. Uganda Implementation Narrative Section 4 April 22 2026 Draft 1.51MB ∙ PDF file Download Download 2 User fees are costs charged for visits, labs, medicines or other health services, usually at the time they are provided. Community health insurance, or community-based health insurance, is what the World Health Organization calls “micro insurance,” which is health insurance targeted at low-income people. 3 As usual (by which I mean always), please prove me wrong. 4 https://smartnewsliberia.com/liberias-ministry-of-health-announces-2025-hospital-service-fees-for-public-facilities/?utm 5 https://moh.gov.lr/news/2025/grand-cape-mount-leaders-residents-embrace-new-community-pharmacy-program/?utm 6 https://www.christianitytoday.com/2026/09/hiv-usaid-pepfar-africa-foreign-aid-cuts-mission-hospitals/?utm 7 https://gh.bmj.com/content/10/11/e021270 8 https://www.who.int/news-room/fact-sheets/detail/community-based-health-insurance-CBHI 9 https://pmc.ncbi.nlm.nih.gov/articles/PMC2827475/ 10 https://pmc.ncbi.nlm.nih.gov/articles/PMC10861328/#b3-jpmph-23-110 11 https://pmc.ncbi.nlm.nih.gov/articles/PMC527704/ 12 Same citation as the footnote 2 - the article is called “Learning from failed health care reform in Uganda.” To which I say: If only. If. Only. 13 There is a whole taxonomy of user fees to be aware of, if not commit to memory. Out of pocket costs are everything that someone pays for themselves. In this Stack, user fees are planned and policy-supported out of pocket costs. There are also out of pocket costs that people pay to buy drugs or receive tests or health care assessments that would be free if the drugs were on the shelves, or the machines or kits were available, or the staff were on site. A user fee is usually designed to be modest, pegged to willingness to pay, and may be waiveable at the point of care for anyone who is unable to do so. The costs for things that would otherwise be free are whatever the market will bear and people either have to pay them or go without. Out of pocket costs for services and stuff that aren’t available in public facilities are different again from bribes or unofficial fees that some health workers may impose, even though most are indefatigable, tireless and tired, and devoted to their clients. 14 For the record—which really is these footnotes—I would give a whole stack of fridge magnets for a systematic analysis of the economic and social impact of the Mass Unemployment Event in AFGHS countries among the very people who used to be able to afford and cover user fees, both for themselves and vast family networks. Locally employed USAID technical staff, house cleaners, caregivers, drivers and technicians were financial anchors for cousins, friends, friends’ children, friends’ childrens’ cousins, teachers, pastors, neighbors and so many other kinds of kin. Aid recipients lost direct funding; many other people who had not been aid recipients, but parts of the elaborate care webs that function as safety nets for so many people, lost crucial support too. And that’s even before we get to the people who worked at the hotels and restaurants and bars where people employed by the US and its implementing partners used to spend disposable income. Those businesses have lost revenue; those folks have lost jobs. It will be some time coming—and someone will have to fund this work—but I do hope it happens. And I hope, as usual, to be proven wrong. 15 https://eprcug.org/blog/how-out-of-pocket-healthcare-costs-keep-driving-ugandans-into-poverty/ 16 Another straight-to-the-point journal article title. Households experiencing catastrophic costs due to tuberculosis in Uganda: magnitude and cost drivers. https://pubmed.ncbi.nlm.nih.gov/32938411 17 https://www.cehurd.org/download/technical-policy-brief-on-community-health-insurance-scheme/?wpdmdl=13661&refresh=6ae9122f5d4ed1793659439 18 https://pmc.ncbi.nlm.nih.gov/articles/PMC10125197/ 19 https://pmc.ncbi.nlm.nih.gov/articles/PMC10861328/#b3-jpmph-23-110 20 https://ugandapost.news/uganda-to-make-health-insurance-mandatory-by-2026/ 21 https://shu.org.ug/download/235 22 With a nod, tip of the stack hat, and wag of the Mercoon tail to a deeply valued reader who told me that I have a tendency to speculate about the worst-case scenarios a little too much of the time. 23 https://news.mak.ac.ug/2026/10/uphia-2025-shows-ugandas-hiv-status-awareness-gap-despite-strong-treatment-outcomes/ As you’ll see in the next footnote, I’ve already written a subSubstack on another topic, so I will be brief with regard to the study referenced in this article. The Uganda Population-Based HIV Impact Assessment, or UPHIA, will never happen in this way again. For more than a decade, PHIAs have been supported by the US government as a way to generate accurate estimates of country progress on key HIV indicators. They are a holdover from the PEPFAR program that was laser focused on ensuring US taxpayer dollars subsidized progress in pandemic control. There may be other population-level surveys and the data may even be publicly released, as the entire set of FY2026 MER data have not. But PHIAs will never happen again. If you’re wondering whether the estimates of HIV progress at country level might get less reliable….you’re not alone. 24 Ooh baby, I hate “we” in almost all forms. But sometimes I go there, when I am looking for company, which I am. Because this Stack moves into the somewhat-uncharted territory of assessing what the implementation plan narratives may suggest about co-signatory countries’ roles and responsibilities to the people living within their borders. The MoUs, specimen and data sharing agreements were templates. Countries’ answers fit into pre-specified questions that did not include, “how are you going to fill financing gaps and stabilize your health system as this plan unfolds?” In contrast, the implementation narratives are open form—the product of co-creation between the two governments. Co-creation can mean lots of things, but nothing leads me to believe that implementation plans are ghost-written by the US government, or that contents were imposed by the US counterparts. Instead, I think the parts of the plans that read like country government initiatives are endorsed, if not initiated by, those governments. For instance, the Ugandan implementation plan narrative describes plans for revenue-generation through fees charged for equipment calibration, repair and maintenance provided through Uganda’s National Equipment Calibration Laboratory, and laboratory accreditation through the Uganda National Accreditation Service (UGANAS), targeting private sector, PNFP, research and academic clients. That’s super specific and also quite ambitious. It doesn’t read like an American idea. There’s also a provision for solar panels, and other stuff that feels country owned and driven. This is where it gets interesting. If co-creation is the case, then both the US and co-signatory governments are accountable for the contents and the outcomes. Most discourse about AFGHS to date has focused on the decisions that America has made, or demanded that other countries make. The AFGHS architects have monopolized the hot seat. As they should, in so many ways. America absolutely created the conditions under which countries needed to come up with health financing strategies to fill unanticipated, catastrophic funding gaps. And with not-too-long a lens, we can look back and see that America is also on the hook for its role in the Bretton Woods institutions that made user fees and health system fiscal austerity conditions of loans during the era of structural adjustment. But in the here and now, it is not at all clear to me that the US is requiring Uganda or any other country to implement specific approaches to sustainable financing. Instead, it is as the authors of that paper up in footnote 6 suggest: African governments have agency. As implementation plans roll out—whether or not the narratives are shared—it will be important to understand what this agency looks like and what it means for people, including the poorest of the poor. And it will be important to figure out how to talk about it safely, respectfully and critically in places other than the literal and metaphorical footnotes. 25 This week’s song is “Once upon a time” by the Moody Blues. (I know, this is gonna be a weird, largely banger-free end of 2026 playlist. HMU with requests.) AND please do watch the video and appreciate the truly amazing opening sequence—a drum kit wasteland, a coupla plastic bags, a bit of sand. Sort of like the hill where fiscal austerity policies that put costs on health care users might go to perish. But then there’s a lady with amazing hair. It’s worth it.

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Nov 3 • 11:57 PM EST • Health • emilysbass.substack.com
Leadership Berkeley graduates 27 business and community leaders

MARTINSBURG — Twenty-seven business and community leaders celebrated their graduation from the Martinsburg-Berkeley County Chamber of Commerce’s Leadership Berkeley Program during an Oct. 29 ceremony at The Sycamore.

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Nov 3 • 5:27 PM EST • Business • journal-news.net
Leadership Berkeley graduates 27 business and community leaders

MARTINSBURG — Twenty-seven business and community leaders celebrated their graduation from the Martinsburg-Berkeley County Chamber of Commerce’s Leadership Berkeley Program during an Oct. 29 ceremony at The Sycamore.

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Nov 3 • 5:27 PM EST • Entertainment • journal-news.net
Seven players have 2027-28 rookie contract options declined
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Nov 3 • 3:48 PM EST • Sports • sports.yahoo.com
Oregon, Dan Lanning Receive Promising Update on Top 2028 Target

Four-star offensive tackle Lincoln Fa’alafi narrowed his list to seven finalists, potentially handing the Ducks a massive recruiting win to jumpstart their 2028 class and bolster the trenches.

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Nov 3 • 3:03 PM EST • Sports • sports.yahoo.com
First 'Challenger Center' planned for Iowa to boost space science education

Hawkeye Community College in Waterloo plans to build a space education center for Iowa middle-schoolers. Bids are being taken on a project that will bring Iowa’s first Challenger Center to campus, honoring the seven astronauts killed in the 1986 Space Shuttle Challenger disaster. The 32 other centers nationwide are run by a Washington D.C.-based nonprofit […]

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Nov 3 • 2:00 PM EST • Science • radioiowa.com
Your Website May Be Sharing Health Data Even If You’re Not a Healthcare Company: 7 Steps to Take After Landmark Appeals Court Ruling

In what appears to be the first federal appellate decision addressing pixel tracking on a health-related website, the 5th Circuit Court of Appeals just revived a class action accusing an eyewear retailer of sharing its website visitors’ health information with a social media company. In its October 23 Rand v Eyesmart decision, the 5th Circuit held that everyday shopping and scheduling activity on a healthcare-adjacent website can possibly count as protected health information, even when customers never typed in a diagnosis or symptom. For businesses like optical chains, pharmacies, dental practices, wellness providers, and telehealth platforms, the decision means higher litigation risk tied to particular data flows and identification practices, rather than a categorical prohibition on website analytics or advertising tools. Here’s what happened, what the court decided, and seven steps to consider now.

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Nov 3 • 11:04 AM EST • Health • fisherphillips.com
Private equity-backed equipment rental business opens seventh New England location

The sales and service center in Bourne on Cape Cod is aimed at landscapers, arborists and homeowners.

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Nov 3 • 10:55 AM EST • Business • hartfordbusiness.com
Luka Doncic Explains How Lakers Have Improved After Heat Win

Doncic is happy with where the Lakers are at seven games into the new season.

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Nov 3 • 9:00 AM EST • Sports • sports.yahoo.com
Who went home on 'DWTS' Week 8 from Disney Night?

Dancing with the Stars is waltzing towards its finale, with just seven couples remaining after Week 8's elimination. The reality competition show aired on a special Monday night to steer clear of Tuesday's midterm election coverage, and the participants all danced to a Disney hit from Broadway. The couples were also broken into two groups for the first group dances of the season.

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Nov 3 • 7:57 AM EST • Entertainment • kansas.com
Arkansas’ political history on display at Little Rock printing business

A visit to the downtown Little Rock business offers a glimpse at how the state’s campaign messages have changed over the years. For nearly seven decades, AdCraft has been the go-to printer for campaign signs, stickers, shirts and other political swag.

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Nov 3 • 6:00 AM EST • Business • arkansasadvocate.com
Arkansas’ political history on display at Little Rock printing business

A visit to the downtown Little Rock business offers a glimpse at how the state’s campaign messages have changed over the years. For nearly seven decades, AdCraft has been the go-to printer for campaign signs, stickers, shirts and other political swag.

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Nov 3 • 6:00 AM EST • Politics • arkansasadvocate.com
Republicans’ redistricting strategy is put to the test. Here’s how it’s looking

Republicans are aiming to flip 15 seats in seven states where they redrew maps. Democrats have six pickup opportunities.

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Nov 3 • 4:00 AM EST • Politics • cnn.com
Norfolk adds 11 local food businesses to city catering list after Bon Appétit program

Eleven food businesses completed Norfolk's eight-week Bon Appétit program and can now cater city events. A seventh cohort launches in March.

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Nov 3 • 4:00 AM EST • Business • wtkr.com
Seventeen's Joshua and Jeonghan hit the road on a besties' tour

Business Insider attended JxJ's South Korea tour opening, where Seventeen's Joshua and Jeonghan showcased their 12-year friendship onstage.

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Nov 3 • 3:53 AM EST • Business • businessinsider.com
Luther Burden III gets the scoring started in Seattle

Luther Burden III had 65 yards on seven receptions, which included a touchdown on Chicago's opening drive on MNF.

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Nov 3 • 12:37 AM EST • Sports • sports.yahoo.com
Pacers down to 7 players vs. Hawks due to injury

The Indiana Pacers are scheduled to take on the Atlanta Hawks on Monday evening with the goal of earning their third win of the season. Unfortunately, the roster is incredibly shorthanded, as head coach Rick Carlisle will be utilizing a seven-man rotation. Reports indicate that, technically, eight players are active for the Pacers, according to […] The post Pacers down to 7 players vs. Hawks due to injury appeared first on ClutchPoints.

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Nov 2 • 8:05 PM EST • Sports • sports.yahoo.com
Week 8 inactives for Seahawks

Seahawks have declared seven players inactive for Week 8

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Nov 2 • 6:59 PM EST • Sports • sports.yahoo.com
Pennsylvania measles cases rise to 1,433, state health department says

Nov 2 (Reuters) - The number of measles cases in Pennsylvania reached 1,433 as of Monday, up seven cases from the previous update, as the state battles its worst outbreak of the disease in years.

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Nov 2 • 2:22 PM EST • Health • yahoo.com
Grocery/entertainment complex Seed to Table offers interactive hologram

Seed to Table is greeting customers with a seven-foot hologram and an immersive shopping experience.

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Nov 2 • 12:18 PM EST • Entertainment • chainstoreage.com
NA boys qualify for State Tournament

The North Allegheny Water Polo teams traveled to Wilson High School to take part in the Western Conference Finals, which is also a state qualifier. The NA boys ended up with a third-place finish, good enough to qualify them for the state tournament. The NA girls would finish seventh. Boys The NA boys came in… More »

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Nov 2 • 11:43 AM EST • Sports • athletics.northallegheny.org
Seven Injured in Early Morning Shooting Near Fayetteville Entertainment District

Seven people were reportedly injured in an early Sunday morning shooting near Fayetteville’s Dickson Street entertainment district, according to information released following the incident. Fayetteville police responded to the shooting around 1:41 a.m. November 1st on West Avenue, between Watson and Dickson streets, near the […]

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Nov 2 • 11:30 AM EST • Entertainment • deltaplexnews.com
Poll flashes warning signs for Republicans in 7 battleground Senate races

Senate polls show Democrats leading in Texas, Kansas, Ohio, Maine and Alaska, with Trump's approval at just 38% across the seven battlegrounds.

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Nov 2 • 7:45 AM EST • Politics • foxnews.com
“Historic” November election finds Republicans trailing in early vote

More than seven million Texans have already voted. Democratic primary voters have the advantage over Republicans according to early vote data. Lone Star Politics speaks with Ross Hunt from Hunt Research about the all-important election day turnout which will decide all statewide races.

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Nov 2 • 5:25 AM EST • Politics • nbcdfw.com
Law Specialties 2026

Meet seven Orange County law firms in OCBJ’s Law Specialties section, with insight on corporate, family and business law from the region’s legal leaders.

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Nov 2 • 4:14 AM EST • Business • ocbj.com
Detroit Lions Open as Favorites Against Miami Dolphins

The Detroit Lions are seven-point road favorites against the Miami Dolphins in Week 9 following their emotional 19-15 victory over Minnesota.

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Nov 1 • 10:17 PM EST • Sports • sports.yahoo.com
BYU Football Moves up in Latest AP Top 25 Poll

After stifling Arizona State, the seventh-ranked Cougars prepare for a Holy War clash against unbeaten Utah, aiming to snap the nation’s longest winning streak this Saturday.

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Nov 1 • 9:20 PM EST • Sports • sports.yahoo.com
Keenan Allen totals seven grabs in Week 8 vs. Jaguars

Indianapolis Colts wide receiver Keenan Allen posted seven receptions for 67 yards on seven targets in Week 8

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Nov 1 • 9:17 PM EST • Sports • sports.yahoo.com
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CeeDee Lamb has seven grabs in Week 8 loss

Dallas Cowboys WR CeeDee Lamb leads passing attack in loss to Cardinals

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Nov 1 • 9:11 PM EST • Sports • sports.yahoo.com
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Corvette Skidpad Grip Ranked Best To Worst Across Generations

Corvette skidpad grip peaked in the car's seventh generation, with the eighth coming just below it. Otherwise, each generation had better grip than the last.

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Nov 1 • 4:45 PM EST • Technology • jalopnik.com
3 Signs Of Growth As Joan Beringer Starts Against Spurs

With Rudy Gobert out with back spasms, Joan Beringer started for the Timberwolves against Victor Wembanyama and the Spurs on Saturday. Beringer's start was hardly an unqualified success, as Wembanyama went off for 43 points, seven rebounds, four assists, and six blocks, and the Spurs won 121-111. But there were still a few positive signs …

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Nov 1 • 4:21 PM EST • Sports • sports.yahoo.com
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Why Florida State fired coach Mike Norvell despite massive buyout

The Seminoles are making a change after nearly seven seasons.

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Nov 1 • 4:09 PM EST • Sports • sports.yahoo.com
Florida State fires Mike Norvell after loss to Clemson

Norvell was in his seventh season at Florida State.

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Nov 1 • 3:36 PM EST • Sports • sports.yahoo.com
Week 8 inactives for Broncos

Broncos have declared seven players inactive for Week 8 game

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Nov 1 • 3:05 PM EST • Sports • sports.yahoo.com
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Capitals Trade For Devils’ 25-Year-Old Goalie

The Washington Capitals have traded for a goalie. The news was announced officially Sunday morning that the Caps completed a trade with the New Jersey Devils for Remi Poirier. The Capitals are sending the Devils a fourth-round draft pick in return. #NEWS: We’ve acquired a 2027 seventh-round pick from the Washington Capitals for goaltender Remi […] The post Capitals Trade For Devils’ 25-Year-Old Goalie appeared first on HEAVY.

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Nov 1 • 2:11 PM EST • Sports • sports.yahoo.com
Three talking points from the Premier League

Arsenal moved top of the Premier League with a statement 1-0 win at Liverpool as Manchester United plunged further into crisis with a 2-0 defeat at Chelsea.AFP Sport looks at three talking points from the weekend's action: Arsenal show grit of champions There are few feats Mikel Arteta has not achieved since taking charge of Arsenal seven years ago but a Premier League win at Anfield had eluded him until Sunday.

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Nov 1 • 2:05 PM EST • Sports • sports.yahoo.com
Devils trade goalie to Capitals after Connor Hellebuyck blockbuster

The New Jersey Devils are making moves , as the team tries to skate into the Stanley Cup Playoffs later this season. New Jersey is trading goaltender Remi Poirier to the Washington Capitals, the team announced Sunday. The Devils in return are getting a seventh-round pick in the 2027 NHL Draft. The move comes days after New Jersey traded for veteran […] The post Devils trade goalie to Capitals after Connor Hellebuyck blockbuster appeared first on ClutchPoints.

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Nov 1 • 12:59 PM EST • Sports • sports.yahoo.com
South Texas Health System (@stxhealthsystem)

1 likes, 0 comments - stxhealthsystem on November 1, 2026: "Develop Your Career at the Speed of Imaging: South Texas Health System is seeking talented radiology professionals to join our award-winning imaging teams across the Rio Grande Valley, including our four acute care hospitals and seven freestanding emergency departments. Take your career to the next level with the region's largest integrated healthcare network, where you'll have the opportunity to make a meaningful impact on patient care every day. STHS offers competitive pay, comprehensive benefits and sign-on bonuses for qualified candidates. Ready to bring your career into focus? Explore current opportunities and apply today by clicking on the link in our bio. #NowHiring #Radiology #STHS #RGV #EmploymentOpportunity".

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Nov 1 • 10:01 AM EST • Health • instagram.com
Giants GM Joe Schoen explains the Jameis Winston extension

Jameis Winston has seen it all through the first seven weeks of the New York Giants season.

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Nov 1 • 8:00 AM EST • Sports • sports.yahoo.com
Füllkrug focused on team success after matching Völler’s record

Niclas Füllkrug scored for the seventh Bundesliga game in a row on Saturday as he helped Werder Bremen to a 2-0 win over TSG Hoffenheim.In doing so, the 33-year-old West Ham loanee equalled a club re...

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Nov 1 • 5:07 AM EST • Sports • sports.yahoo.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
Report: Bend Studio’s Next Game Is a Third-Person Co-op Game; Reveal Set for 2027

It's been seven years since Bend Studio released Days Gone on April 26, 2019, and since then, the studio hasn't released anything new. While it seems that a sequel to…

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Oct 31 • 5:24 PM EDT • Technology • mp1st.com
Malik Nabers Is Giants’ Only True Star Through Seven Weeks

Malik Nabers leads the Giants' midseason awards with 509 yards in four games, proving he is the team's top asset despite injuries and QB changes.

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Oct 31 • 3:28 PM EDT • Sports • sports.yahoo.com
Maresca's big test is to address mounting Man City issues

Enzo Maresca enjoyed a flawless start as Manchester City manager, winning his first seven Premier League games in charge, but the honeymoon period is now over.

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Oct 31 • 3:05 PM EDT • Sports • sports.yahoo.com
Orange County restaurants shut down by health inspectors (Oct. 22-29)

There were seven restaurants and food establishments ordered closed by Orange County inspectors from Oct. 22 to Oct. 29.

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Oct 31 • 1:38 PM EDT • Health • ocregister.com
Le Havre manager Didier Digard to be sacked following chaotic early Ligue 1 season

Didier Digard has reportedly been sacked as Le Havre’s manager, according to information from L’Équipe.Bottom of Ligue 1 with seven defeats and just two points after nine league matches, the Norm...

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Oct 31 • 12:19 PM EDT • Sports • sports.yahoo.com
Jesse Minter's first 7 Ravens games reveal progress, major concerns

Jesse Minter's Ravens are 4-3 after seven games. Here's what's working, what's not and the biggest challenges facing Baltimore's first-year coach

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Oct 31 • 11:36 AM EDT • Sports • sports.yahoo.com
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Cherokee Nation opens north Tulsa apartments, plans more housing investment

Cherokee Nation opened seven affordable apartments in north Tulsa and outlined investments in additional rental housing, homeownership and housing for elders. %

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Oct 31 • 9:45 AM EDT • Business • tribalbusinessnews.com
Arsenal u18s win 10-goal thriller

Arsenal Under-18s made it seven wins in a row with a wild 6-4 victory over Brentford.Photo via Arsenal.comArsenal Under-18s made it seven wins in a row in all competitions after beating Brentford 6-4 ...

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Oct 31 • 9:37 AM EDT • Sports • sports.yahoo.com
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Saturday Sports: WNBA Finals; injuries in the NBA; Milwaukee Brewers' World Series title

NPR's Scott Simon and sportswriter Howard Bryant talk about the WNBA Finals game seven, a recent surge in injuries in the NBA and the Milwaukee Brewers' World Series title.

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Oct 31 • 7:42 AM EDT • Sports • npr.org
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Colorado River Basin Candidates Wade Into Water Politics, but Winners Are Unlikely to Make Big Changes

As tensions rise on the drought-stricken river, six of the seven Colorado River Basin states are holding elections for governor.

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Oct 31 • 5:00 AM EDT • Politics • insideclimatenews.org
“How Many All-Pros Does Tom Brady Have?”: Rob Parker Makes Massive Claim About Lamar Jackson’s NFL Legacy By Comparing Him To 7x SB Winner

NFL analyst Rob Parker showered praise on Baltimore Ravens quarterback Lamar Jackson and compared him to seven-time Super Bowl champion Tom Brady. On The Odd Couple Show, Parker highlighted Jackson’s three First-Team All-Pro selections and compared them with Brady, who earned the same number in 23 seasons.

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Oct 31 • 2:39 AM EDT • Sports • sports.yahoo.com
Why do scientists study toast crumbs, itching and head-banging? A new analysis identifies seven ways research gets funny

An analysis of 269 humorous scientific papers found that 48.3% applied rigorous methods to everyday subjects, while researchers identified six other recurring humor strategies.

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Oct 30 • 9:22 PM EDT • Science • medicaldaily.com
New Look Creighton Looks to Be Much Improved This Season

Last season was a disappointing one for Creighton, which finished with a losing record for the first time in 11 seasons. Many injuries stalled the Bluejays' season. It was an unfitting end to a very good tenure for Greg McDermott. With new head coach Alan Huss and seven transfers, Creighton looks to regain consistency in …

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Oct 30 • 8:41 PM EDT • Sports • sports.yahoo.com