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Texas Democrats pull off the breakthrough they’ve chased for decades
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Michigan's 'money out of politics' measure passes, faces legal challenge
Unofficial results from the New York Times show Proposal 2 received support from 81% of Michigan voters.
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.
Constitutional convention fails, Money Out of Politics approved
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Michigan votes in favor of Proposal 2 to get ‘Money Out of Politics,’ AP projects
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Phantom Blade Zero made $223M on Steam and PS5 in five days
Phantom Blade Zero was always going to be a hit. We’ve been banging on about it for months now. Well, the results are in, and Phantom Blade Zero has indeed been a hit. Yesterday, S-Game reported that Phantom Blade Zero has sold 4M copies. As of this morning, our estimates show that Phantom Blade Zero has generated $223M via 4.3M copies sold across Steam (3.1M) and PlayStation (1.2M). This instantly makes Phantom Blade Zero this year’s #10 new 2026 game by premium revenue across Steam, Xbox, and PlayStation – and without an Xbox release to boot. Want more free estimates and insights in your inbox twice a week? Subscribe below! Subscribe Combined, China, Taiwan, and Hong Kong account for 55% of Phantom Blade Zero’s copies sold – 56% of copies on Steam and 50% on PlayStation. But revenue is slightly different. Phantom Blade Zero actually made more revenue outside of China However, due to regional pricing, China, Taiwan, and Hong Kong account for a lower share of revenue, 45%. The three countries account for 40% of Phantom Blade Zero’s revenue on PlayStation, and 47% on Steam. This is due to regional pricing, which you can easily check in our platform: Using the $59.99 USD base price as a starting point, we can see that Phantom Blade Zero costs the equivalent of $40.31 in China (-32.8% of the US price) and $41.80 in Hong Kong (-30.3%). So while Chinese culture is at the heart of Phantom Blade Zero (in terms of theme and player base), it’s actually making more money in non-China markets. In fact, markets outside of China, Hong Kong, and Taiwan account for $123M in Phantom Blade Zero revenues via 2M copies. Even when we remove revenues from these markets from the analysis, Phantom Blade Zero remains a top 20 new 2026 title by revenue across Steam, Xbox, and PlayStation. Want more free estimates and insights in your inbox twice a week? Subscribe below! Subscribe In other words, Phantom Blade Zero is a global hit. It’s not all China – or even majority China, when it comes to revenues. The China spring board helped, but a successful State of Play and – more importantly – positive reviews helped this one land in other markets. Quality sells. China was hyped from the start, but Western players needed more convincing As we wrote back in August, China was always going to show up early for Phantom Blade Zero. Our daily Steam revenue data shows just that, and we can see when S-Game’s banging RPG won over players outside of China: On the day Phantom Blade Zero’s Steam pre-order button went live in mid-August, China accounted for nearly 70% of Phantom Blade Zero’s Steam revenue. The shares hovered around 68% throughout August. This is the hometown-hero effect we’ve covered in the past, with the home market committing first – almost sight unseen – on national pride and a lush-looking trailer alone. Then things get even more interesting. Following the State of Play on August 18, US daily revenue more than doubled (from $72K to $146K), China’s daily take nearly quadrupled ($237K to $892K), and the rest of the world’s revenues also more than doubled. As China spiked so much harder than the others, its share of revenue hardly moved, holding at around 68%. So the by-all-counts-awesome State of Play got non-China markets and the West interested (you can see daily spend jump), but it didn’t move the needle for overall revenue shares. Positive reviews were the Western tipping point. US daily revenue went from $106K on October 25 to $230K when the embargo lifted on the 26th, to $463K on the 27th, to $899K on the 28th. So nearly 8.5x more revenue in four days, boosted by the positive reviews and subsequent word of mouth. When Phantom Blade Zero launched on the 29th, things hit critical mass. On launch day, the US and the rest of the world combined out-earned China for the first time in Phantom Blade Zero’s whole pre-order history. You can see this unfolding pretty nicely in the revenue shifting shares, too. China’s lifetime revenue share sat at 68% in August and was still 65% as late as October 25th, but it dropped to 45% by November 2. Over that same period, the US nearly doubled its share from 10% to 18%, and the rest of the world climbed from 25% to 38%. Want more free estimates and insights in your inbox twice a week? Subscribe below! Subscribe That’s not to say that China sold less – far from it. The West and non-China markets just showed up later, won over by the reviews and word of mouth. However you look at it, Phantom Blade Zero has become one of this year’s highest-grossing premium games. Daily volume seems to be decelerating a bit (which is natural), so subscribe below for more updates on performance. Speaking of performance and deceleration… Gran Turismo 7 is one of PlayStation’s biggest earners While games like Ghost of Yotei, Helldivers 2, Astro Bot, Wolverine (2.7M now, by the way), and even Marathon and Saros tend to get all the headlines (we hold our hand up there, too!), there’s one PlayStation game from the past five years that’s earned more than all of these games: and it’s one that’s rarely talked about in enthusiast circles. Gran Turismo 7, which launched in March 2022, has sold 12.7M copies. This amounts to $840M in revenue, second only to Spider-Man 2’s $1.3B – if we’re talking PlayStation first-party for this generation. Gran Turismo 7 still brings in around 3M players every month (and between 400K and 700K active players per day). It’s also an evergreen seller every year. For example, Gran Turismo 7 generated: $189.7M in 2023 via 2.9M copies $161.3M in 2024 via 2.7M copies $119.1M in 2025 via 1.7M copies This year, Gran Turismo 7 has already sold 1.3M copies, generating $74.7M And there’s more laps to come Every December is comfortably GT7’s biggest month of the year (except launch), and the gap is widening there. December generated 2.1x a normal month in 2023, and by 2025 that had grown to 2.8x. Want more free estimates and insights in your inbox twice a week? Subscribe below! Subscribe As the typical months cool off with age, Christmas always holds strong, so the holiday period is becoming a bigger slice of Gran Turismo 7 yearly revenue. For Gran Turismo 7, the week around Christmas does 3x to 5x a typical week – three years running: Christmas week 2023: $14.7M (4.6x the year’s median week) Christmas week 2024: $9.3M (3.3x) Christmas week 2025: $8.5M (4.6x) These Christmas peaks happened at the full $59.99 (Gran Turismo 7 wasn’t discounted at all in December 2023 or December 2025). And although there was a discount late in December 2024, GT7’s peak week that year still happened at full price. You can really see why PlayStation hasn’t added this one to PlayStation Plus, eh? Say it after me: Subscriptions cannibalise premium revenue! On that note… Let’s take a quick look at how Gran Turismo 7 is doing versus its nearest competitor, Xbox console exclusive and long-running sim racer Forza Motorsport (released in 2023 as a reboot for the franchise, about 19 months after GT7). Forza Motorsport has sold around 1.3M copies across Xbox (75.4% for Xbox console and PC) and Steam (24.6%), grossing $89.9M across those platforms. Launch aligned, and on just PlayStation, Gran Turismo 7 had sold 10.2M copies, generating $676.1M, by that point. In other words, Gran Turismo 7 has sold the same number of copies this year as Forza Motorsport has sold since launch. When all is said and done, Gran Turismo 7’s 2026 revenues will have lapped Motorsport’s lifetime, too. It’s worth noting that Forza Motorsport was not released on last-gen consoles, and under a quarter of Gran Turismo 7’s revenue has come from PS4 consoles. Critically, Forza Motorsport is also on Game Pass, where nearly 7M players have accessed it. Meanwhile, the Forza Horizon series has been performing incredibly in terms of revenue. This year’s Forza Horizon 6 has generated $583.7M across Xbox and Steam despite Game Pass cannibalisation, and last year’s Forza Horizon 5 PlayStation port has generated $383.5M on PS5 alone. So two questions, then: How well is Forza Horizon 6 going to do when it launches on PS5 in January? Hit subscribe to get that in your inbox in January (which is in two months somehow!?) Subscribe 2. Open-world arcade Gran Turismo when? Also, if you like arcade racers, go and play Star Wars Galactic Racer. It rules. Like GOTY material, seriously. The last word Reply to this email – or reach out here – if you have any feedback for the newsletter – or want to request a game for us to cover. [Alinea Analytics boasts the most accurate PC and console estimates in the business. Game makers use our platform to understand their audience, keep an eye on the competition, monitor sales trends, and spot new opportunities. We equip game studios and financial institutions with accurate data and the confidence to make smarter, data-driven decisions. Want to talk about all things games market data? We’d love to chat!]
The million-dollar bull business: Forget the cowboys, the bulls are making big money, too
From six-figure prize money to lucrative breeding deals, elite bucking bulls have become the stars of a booming, multimillion-dollar business.
The million-dollar bull business: Forget the cowboys, the bulls are making big money, too
From six-figure prize money to lucrative breeding deals, elite bucking bulls have become the stars of a booming, multimillion-dollar business.
SCOTUS Justices Said They Knew How Much Money They Were Letting Into Politics. They Were Wrong.
As acting chair of the FEC, let me tell you how I know.
John Wall targets exploding high school NIL market for next major business move: “You're going to get your money back quick”
John Wall reveals his next basketball business play.
Prop. 38: This billionaire-backed measure would approve $8.4 billion for health research
California’s Prop. 38 would provide $8.4 billion to find cures for cancer and other diseases. Half the money would go to one institute.
Pennymac Made $29M. Its Origination Business Lost Money.
Pennymac is cutting jobs and accelerating automation after its mortgage production business swung to a third-quarter loss, even as servicing income kept the company profitable.The lender reported $29 million in net income for the quarter, but its production segment posted a $7 million pretax loss, reversing a $38 million profit in the second quarter and a $123 million profit a year earlier.
'Cloud of confusion.' State Health Plan changes leave participants dazed during open enrollment.
Provider tiers were meant to be a tourniquet for NC State Health Plan that was bleeding money. Status of Atrium has created major headaches.
Cubs’ Tarik Skubal Pursuit Tests How Far Chicago Will Go
The Chicago Cubs' Tarik Skubal pursuit is real, but it comes with a catch. According to ESPN’s Jeff Passan, the Cubs badly want the left-hander, yet they are skeptical that they will be willing to compete at the level of money he is expected to get. Free agency opened Monday, and Skubal is the biggest name …
Midterms will show the influence of money in politics, says author Walter Isaacson
CNBC’s “Squawk Box” team discusses the rise of plutocrats, the influence of CEOs on elections and more with Walter Isaacson, author of “Elon Musk,” professor of history at Tulane University and advisory partner at Perella Weinberg.
Every Election Is About Money. But This Time It’s Different.
Yes, voters are casting ballots over affordability. But something more fundamental has shifted here.
Foundation leader: Let Virginia students decide what college sports is worth to them
Athletic departments are good at raising money when they have to. They sell tickets, sponsorships and donor memberships every day. Asking them to sell themselves to their own students isn’t u…
Should public money fund political campaigns? Taking a look at California’s Prop. 4
Proposition 4 asks voters if the current ban on public funds for political campaigns should be repealed.
Business leaders weigh in on Beaufort County sales tax referendum
County leaders said the money would go toward transportation projects aimed at improving safety, mobility and connectivity across the county and business leaders urge that now is the time to make a…
Business leaders weigh in on Beaufort County sales tax referendum
County leaders said the money would go toward transportation projects aimed at improving safety, mobility and connectivity across the county and business leaders urge that now is the time to make a ch...
After topping 2024’s donor list, Elon Musk said he’d do ‘a lot less.’ Since then, he’s given more than George Soros has personally in his lifetime
Musk has given $427 million to federal political groups since May 2025. Soros has given $243 million of his own money since 1979.
Anthony Volpe has a chance to claim the Yankees second-base job
The Yankees can save money at second base this winter. That doesn’t mean they should hand Anthony Volpe the job […]
Your letters: Get big money out of politics
"It is the nefarious influence of our homegrown Epstein class billionaires, trying to keep their oversized influence in state government. They do not want to be taxed like the rest of us, or have the spigot of taxpayer money turned off to continue to fuel their swollen accounts." - Rick Lohr of Wausau
Vermont has assigned its $195 million in federal rural health dollars. Here’s where it’s going.
The largest sums of money are directed toward hospital infrastructure upgrades and funds to facilitate hospital redesign.
Luxury Asset Capital Fine Art Lead Chloe Kilburn on Borrowing against Collections
Chloe Kilburn helps collectors raise money without selling their art. Her valuations depend on auction records, marketability and what a work could fetch if a borrower fails to repay.
Midstream Health nabs $20M series A to help hospitals recover lost margin
Health systems are losing margins they’ve already earned, according to Sumit Kadakia, CEO and co-founder of Midstream Health. | Health systems are losing margins they’ve already earned, according to Sumit Kadakia, CEO and co-founder of Midstream Health. The startup bets artificial intelligence can improve hospital margins by finding money that is already embedded in contracts and transactions.
Can money ‘buy' elections? What big political donors get in return
Can wealthy donors buy political influence, or even an election? In the fifth episode of Follow the Money, we speak with U.S. senators, political scientists and campaign finance experts about how money can give candidates an advantage, provide donors access to elected officials and potentially shape policy decisions.
States step up ACA subsidies as premiums keep climbing
States including Virginia, Rhode Island and California are putting new money into ACA subsidy programs as exchange premiums rise and federal support shrinks.
Commentary: What price political influence? A lot more in Rhode Island.
Rhode Island allows individuals, including registered lobbyists, to contribute up to $2,000 annually to a candidate. But lawmakers should look to Connecticut, which generally limits contributions from communicator lobbyists to $100, for a lesson in strengthening public trust and reducing concerns about the influence of money in politics.
Ripple's Chris Larsen is spending tens of millions in the midterms
Even though he says there is far too much money in politics, Larsen has spent tens of millions in the midterm elections.
Excellence in Business and Charitable Giving
First Hawaiian Bank’s 1,961 employees contributed 7,362 hours of their own time and $886,450 of their own money through a giving program called Kōkua Mai, with participation above 99%.
Builder's song encourages workers to talk about mental health
A Somerset builder has written a song to raise awareness and money for mental health charities.
BUSINESS BRIEFS November 2, 2026: Business news in the Berkshires and beyond
Business news from Berkshire Art Center, Westside Legends, Bard College, Berkshire Money Management, and more
Police search for suspect in string of east Austin business burglaries
Austin Police said the suspect “targeted, burglarized, and stole money from the safes and cash registers of several East Austin businesses.”
James McAvoy reveals low-budget film still earning him 'bonkers' money
The BAFTA winner receives regular pay cheques for a movie he made a decade ago.
Midstream Health Snags $20M to Provide Health Systems More Financial Stability
Midstream's Series A round was led by Valtruis, and included participation from Andreessen Horowitz (a16z), Foundry and CommonSpirit Ventures.
Rotary 5K goes the distance for students’ mental health
About 200 runners and walkers, ages 6 to 85, laced up their sneakers for the sixth annual Marblehead Rotary 5K, raising money for mental health programs in local public schools. Participants gathered at Crocker Park on a bright Sunday morning before setting off through the Old and Historic District. The race finished back at Crocker
Yankees have a catching option that costs money, not prospects
The Yankees spent the summer looking for a right-handed catcher. This winter, they can examine one without first convincing another […]
NFL Week 8 expert picks, predictions: Moneyline, against the spread
A look at our expert picks and predictions for Week 8 of the 2026 NFL season.
As Election Day nears, a look at the big money, tight polls, and closing themes in the Texas Senate race between James Talarico and Ken Paxton
AdImpact Politics reports that when you add up the amount of ad spending in both the general election and the primaries, the Texas Senate race is now the most expensive non-presidential race on record — with ad spending reaching $544.5 million.
Who's enforcing the rules on billions in political spending?
Super PACs can spend unlimited amounts of money to influence elections, but they’re prohibited from coordinating that spending with candidates’ campaigns. In the fourth episode of Follow the Money, we examine how campaigns and outside groups navigate those rules, the controversial practice known as redboxing, and why vacancies and staffing shortages at the Federal Election Commission have raised serious questions about oversight of political spending.
Trump Accounts: What parents need to know about automatic enrollment, $1,000 seed money and activation
Your child may be enrolled in a “Trump Account” whether you realize it or not
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.
I'm a Tax Attorney: 5 Moves Small Business Owners Should Make Before Election Day
Small business owners can prepare for filing season and possible policy changes by reviewing books, taxes, payroll and compliance now.
Week 9 Predictions: Huskies at Huskers
Mike: Hello Darkness, my old friend… Jarek: I’ve come to talk with you again… Jon: I think this week’s games is about the crapshoot that happens every week in this league. Would you really put money on any of these games? Jill: Because a vision softly creeping… Wisconsin (+2.5) at Iowa Mike: Iowa’s top running […]
Dark money in politics: Who's really paying for political ads?
Who’s really funding the political ads you see? In the third episode of Follow the Money, we investigate how dark money groups can conceal the identities of political donors, explain how money moves through nonprofits and super PACs, and examine how reporting linked Elon Musk to a website that appeared to support Kamala Harris but promoted anti-Harris messaging during the 2024 election.
Credit card advocates argue using plastic for Halloween purchases saves businesses money
'Those savings help keep Halloween affordable for families.'
The world of shame-free money in politics
The outrageous, big bucks, negative crap-ads inundating us now make 1996 look like baby-cakes. What’s changed?
Skipped upgrading this year? 5 upcoming Android phones worth saving for
2026 wasn't an amazing year for smartphones, but that doesn't mean all is lost. If you held your money back, there is plenty coming up.
Austin police seek suspect in string of East Austin business burglaries
Austin police are asking for the public's help identifying a man suspected of breaking into several East Austin businesses and stealing money from safes and cas
Political parties dump $3+ million into Wausau-area Assembly race
More than $3 million has poured into the race for Wisconsin's 85th Assembly District, where Republican incumbent Pat Snyder faces Democratic challenger John Kroll. Much of that money comes from the state political parties, fueled by wealthy donors on both sides. With control of the Wisconsin Assembly at stake, The Badger Project examines who's funding the Wausau-area race and how the candidates' fundraising stacks up ahead of the Nov. 3 election.
Actor calls ex-wife’s remarks about earning less a ‘low blow’
Joe Manganiello says Sofía Vergara's comments about dating men who earn less money were a “low blow” following his yearslong health battle.
The Big Question: How has sports wagering shown up in your life?
New Hampshire is expecting record-breaking amounts of money spent on sports wagering this year.
Disney Entertainment Television Raises Ziv to CFO | Radio & Television Business Report
Disney Entertainment Television’s new money chief didn’t have to move far for the job. A finance executive with nearly a decade at the company, most of it around Freeform and ABC, is now the division’s CFO, with the networks, stations, and news group under his purview.
Augusta Health Foundation sells dinners for two to support mobile medical unit
Augusta Health Foundation is raising money for its Mobile Medical Unit, which brings care to underserved communities across the Shenandoah Valley, through a “Dinner to Go” fundraiser.
Augusta Health Foundation sells dinners for two to support mobile medical unit
Augusta Health Foundation is raising money for its Mobile Medical Unit, which brings care to underserved communities across the Shenandoah Valley, through a “Dinner to Go” fundraiser.
Augusta Health Foundation sells dinners for two to support mobile medical unit
Augusta Health Foundation is raising money for its Mobile Medical Unit, which brings care to underserved communities across the Shenandoah Valley, through a “Dinner to Go” fundraiser.
Video: ’Money in SF politics: Who’s spending big on the election?’
Watch the election panel co-hosted by the San Francisco Public Press and the League of Women Voters of San Francisco at the Internet Archive.
Gubernatorial candidate Rick Bennett unveils plan to end dark money in politics
Bennett said that as governor, he would require full disclosure of political funding to end anonymous spending.
Top Science Democrat probes cuts to research spending at National Science Foundation
A key Democrat is looking into a massive amount of money that was appropriated to the National Science Foundation (NSF) but reportedly not spent. In a letter first shared with The Hill, House Commi…
What opened the door to billions in political spending?
Why can corporations and wealthy donors spend millions on U.S. election campaigns? In the second episode of Follow the Money, we break down the Supreme Court’s Citizens United ruling, explain how super PACs operate and hear from U.S. senators and political experts about the impact of unlimited independent political spending.
From Year 10 Science Camp to medical research: Sarah’s sequence of studying science
Sarah Domoney attended our Year 10 Science Camp in 2015 and is now working towards a PhD at UCL Queen Square Institute of Neurology. Here we ask her about her experience at the John Innes Centre and how it influenced her next steps.
Why Justin Herbert, 3 other NFL stars won't be traded: Follow the money
These four NFL stars are highly unlikely to be dealt before the NFL trade deadline due to their contracts.
Frederick Health hosts fashion show to raise scholarship money
Corey Rabideau, the treasurer of Frederick Health Auxiliary, walked around Dutch’s Daughter in navy blue pajamas on Wednesday night holding a giant teddy bear, part of Frederick Health Auxiliary’s fashion
900-plus state contractors could be subject to 'money out of politics' plan
LANSING - A ballot proposal before voters in the Nov. 3 election could ban more than 900 businesses and nonprofits from contributing to Michigan political candidates, according to state contractor data reviewed by The Detroit News.
The Easy Money Offers That Disguise a Deathtrap for Small Businesses
Merchant cash advances deliver quick funding, but some carry effective finance costs as high as 2,000%.
Finally, a Chance to Stem the Torrent of Corporate Money in Politics
Montana is in the forefront of a movement to use state powers to fix the problem unleashed by the Supreme Court.
Did Trump invest more money in rural California health ahead of the election?
The Trump administration announced $233 million for rural California healthcare Thursday. Here’s where the money comes from.
Augusta Health Foundation sells dinners for two to support mobile medical unit
Augusta Health Foundation is raising money for its Mobile Medical Unit, which brings care to underserved communities across the Shenandoah Valley, through a “Dinner to Go” fundraiser.
Cramer's lightning round: Sell AMC
"Mad Money" host Jim Cramer rings the lightning round bell, which means he's giving his answers to callers' stock questions at rapid speed.
Money Is Pouring Into San Diego Politics. Where Is It Coming From?
A look at the top spenders in the region, and where they got their money
Money is pouring into San Diego politics. Where is it coming from?
Here's a look at the top spenders in the region, and where they got their money.
Advocates call on Michiganders to vote yes on political donation proposal
LANSING, Mich. (WLNS) — Advocacy group Michiganders for Money Out of Politics held a virtual press conference on Thursday, encouraging voters to approve Proposal 2, which would limit who can donate…
Deepwater's Gene Munster talks how personal AI bots are impacting Amazon's business
Gene Munster, Deepwater Asset Management, joins 'Fast Money' to talk Amazon's Q3 struggles and what he suspects is weighing on the retail side of the company.
Why Private Equity Is Still Hesitant to Invest in College Sports
There’s “plenty of money for the taking,” says Tim Pernetti.
‘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…
Colorado small businesses will suffer is this tax proposal goes through: Cheryl Casone
'The Big Money Show' discusses Florida's proposed property tax reform. The panel also analyzes Colorado's controversial ballot measures that could raise taxes.
Anderson County business warning others of circulating counterfeit money
An Upsate business is warning others about counterfeit money circulating in the area.
How much money is spent on U.S. elections? The numbers are staggering
Americans spent $14.8 billion on federal elections in 2024. In the first episode of Follow the Money, we ask USC students to guess the cost of elections and speak with experts from OpenSecrets to understand how political spending has grown, where the money goes and why campaigns cost so much.
How much money is spent on U.S. elections? The numbers are staggering
Americans spent $14.8 billion on federal elections in 2024. In the first episode of Follow the Money, we ask USC students to guess the cost of elections and speak with experts from OpenSecrets to understand how political spending has grown, where the money goes and why campaigns cost so much.
The Elder Scrolls 6 Title Reportedly Being Revealed Next Month
Sounds like fans were right on the money
A Magic City Classic challenge of business pitches—see who won
🏆 A&M TAKES THE CROWN: Alabama A&M’s BulldogBoys beat 10 other teams at the Regions Bank of Ideas Challenge with an app to help young adults master their money. Next stop: the Magic City Classic! 👇 NowPartner
Commentary: Mass deportation is diverting money that could be used for healthcare, other needs
Mass deportations have an incalculable human toll, and we stand to lose $4.4 billion in taxpayer money in Minnesota alone.
Bally’s Corporation Comments on The Star Entertainment Group AUSTRAC Decision and Continued Turnaround
PROVIDENCE, R.I., October 29, 2026--Bally’s Corporation (NYSE: BALY) today commented on the Federal Court of Australia’s decision in the Australian Transaction Reports and Analysis Centre ("AUSTRAC") proceedings against subsidiaries of The Star Entertainment Group Limited ("The Star") related to historical violations of the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.
Anthropic’s business plan: Build God or die trying
Anthropic faces intense competitive pressure and huge fixed costs. Can Claude build itself fast enough to succeed?