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The genetic secret helping bats survive a deadly epidemic

We’re easing you into Halloween season with an episode about bats. There’s a silent serial killer decimating little brown bats as they hibernate. White nose syndrome has driven populations across the U.S. to almost the brink of extinction over the last decade. But recently, conservation biologist Giorgia Auteri and her team noticed several genetic mutations in the survivors. These mutations could explain how natural selection has shifted the existing population – and inform conservation efforts in the future.Interested in more animal science? Email us your question at shortwave@npr.org.Support public media with NPR+ and enjoy perks for over 25 podcasts like this one. This show’s perks include sponsor-free listening. Learn more at plus.npr.org.

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Oct 5 • 3:00 AM EDT • Science • npr.org
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Penn State students win award for connecting health and environment through play

A series of games developed by a team of interdisciplinary Penn State students to help children in Iquitos, Peru, learn about the connections between human, animal and environmental health was recognized with a national American Society of Landscape Architects award.

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Oct 5 • 2:33 AM EDT • Health • psu.edu
Serb nationalist Milorad Dodik credits 'vast majority' to Trump, Putin

Pro-Russia Serb nationalist politician Milorad Dodik – who is serving a six-year ban from holding public office for defying rulings of Bosnia’s international envoy and Constitutional Court, claimed victory on Sunday, saying his party would hold a “vast majority”.

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Oct 5 • 1:44 AM EDT • Politics • euronews.com
Compass Health Network Included on Forbes America’s Best Emp...

Compass Health Network was named to Forbes’ America’s Best Employers for Healthcare Professionals 2026 ranking for the second consecutive year.

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Oct 5 • 12:40 AM EDT • Health • dailyjournalonline.com
Trump heads to Nebraska on Monday, where his plan to import more beef has angered ranchers

President Donald Trump is campaigning in Nebraska on Monday alongside GOP Sen. Pete Ricketts.

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Oct 5 • 12:11 AM EDT • Politics • wsls.com
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Pub owner next to Jeff Daniels' new bistro says his business damaged

Pat Cleary, owner of Cleary's Pub in Chelsea, says construction of Jeff Daniels' JD's Stage Bistro next door has caused structural damage to his pub.

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Oct 5 • 12:02 AM EDT • Business • detroitnews.com
Trump fights on home turf as Democratic midterm hopes rise

Republicans are defending territory they never expected to be at risk four weeks before Election Day, as President Donald Trump implores voters not to desert his party with the promise of more cash giveaways.

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Oct 5 • 12:00 AM EDT • Politics • cnn.com
China develops plant to extract hydrogen, fresh water and uranium from the sea

Scientists improve on existing technology, plugging an overlooked energy leak to achieve a potentially profitable green solution.

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Oct 5 • 12:00 AM EDT • Science • scmp.com
'All INdiana Politics': Albright and Forrestal battle for closely divided seat in Senate District 31

INDIANAPOLIS — One of Indiana’s most competitive Senate districts is the site of a high-stakes showdown as a family physician and a former sheriff vie for the seat vacated by Republican Sen. Kyle Walker. Senate District 31 covers Delaware and Fall Creek townships in Hamilton County, including most of Fishers, along with Lawrence and parts […]

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Oct 4 • 11:16 PM EDT • Politics • wrtv.com
Brazils presidential race heads to Lula–Bolsonaro run-off as right gains ground

Now there are two: Brazil heads into a runoff after a first round that failed to fully energize voters, setting the stage for a more polarized contest that Washington is watching very closely.

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Oct 4 • 10:31 PM EDT • Politics • opb.org
Flint residents ask questions at Mayoral and Board of Education forum

Flint Mayoral and Board of Education candidates answered questions from the public ahead of the November election at Brennan Community Center.

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Oct 4 • 8:13 PM EDT • Politics • abc12.com
CaSE calls for government and science sector to ensure R&D ...

Science policy organisation says a long-term vision and stable funding base is needed as public support for R&D is not a given

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Oct 4 • 8:00 PM EDT • Science • chemistryworld.com
Countries race to provide oral health care for all in 100-Day Sprint across Asia

Twenty Asian countries and areas across the WHO Western Pacific and South-East Asia regions vowed to strengthen essential oral health benefits as part of a “100-Day Sprint” initiative, during the 16th Asian Chief Dental Officers Meeting held from 27 to 29 September in Kota Kinabalu, Malaysia. The meeting marked the midpoint of the 100-day sprint bolstering support for countries to develop essential oral health benefit packages that can be integrated into national universal health coverage plans. Convened by the two WHO regional offices and the Malaysian Ministry of Health as the Secretariat, the meeting brought together national oral health leaders from 20 Asian countries, staff from all levels of WHO, WHO collaborating centres and other development partners. Participating countries and areas included: Bangladesh, Bhutan, Brunei Darussalam, Cambodia, China, Hong Kong (SAR) China, India, Indonesia, Japan, Lao People’s Democratic Republic, Malaysia, Maldives, Mongolia, Nepal, the Philippines, Singapore, Sri Lanka, Thailand, Timor-Leste and Viet Nam. Participants reviewed progress and refined proposals using the WHO Service Package Delivery and Implementation (SPDI) Platform. Countries conducted bottleneck analyses across four key areas: service delivery, workforce, access to essential medicines and health products, and health financing. They identified practical actions to address implementation challenges and refined proposed revisions to their national oral health benefit packages. “There is no health without oral health. Through the 100-Day Sprint, countries are advancing the implementation of the Western Pacific regional implementation plan on oral health and strengthening progress towards universal health coverage,” noted WHO Regional Director for the Western Pacific Dr Saia Ma'u Piukala. Participants identified bottlenecks and proposed workable solutions to strengthen access to essential oral health care through primary health care, sharing experiences and discussing how best to translate policy commitments into feasible and sustainable action at the country level. Malaysian Minister of Health Datuk Seri Dr Dzulkefly Ahmad highlighted the importance of prevention and primary health-care approaches to improve oral health: “Oral diseases can have lifelong consequences, yet many are preventable. By integrating essential oral health care into primary health care and promoting prevention in schools and communities, we can improve oral health across the life course.”The WHO team led by Dr Huong Tran, Director of the Division of Health Promotion, Disease Prevention and Control of the WHO Western Pacific Region and national oral health leads from over 20 Asian countries visited the SK Pekan Putatan School, Sabah for school oral health programme including flouride mouth rinsing. © WHO / V. ChaudharyDr Huong Tran, Director of the Division of Health Promotion, Disease Prevention and Control for the WHO Western Pacific Region, emphasized key collaborative roles WHO can play. “Oral diseases are the most common noncommunicable diseases, yet many can be prevented and treated through essential oral health services delivered at the primary health-care level,” she said. “By sharing experiences and using WHO tools such as the SPDI Platform, countries are accelerating progress towards universal health coverage for oral health.” “Integrating oral health into broader health services is essential for reducing inequities, expanding access and recognizing oral health as an integral component of overall health and well-being. The 100-Day Sprint provides an important opportunity to translate this commitment into practical action and ensure that quality oral health services reach all people, especially those most in need,” said Dr Suman Rijal, Director of the WHO South-East Asia regional Department of Healthier Populations and Noncommunicable Diseases. As host of the meeting, Malaysia showcased ongoing efforts to strengthen oral health care through primary health care and prevention-focused approaches, while providing a platform for countries across the two WHO regions to exchange experiences and accelerate progress towards universal health coverage for oral health. “WHO is encouraged by Malaysia's leadership in addressing the burden of oral diseases and advancing universal health coverage for oral health through practical, country-led action,” said Dr Rabi Abeyasinghe, WHO Representative to Malaysia, Brunei Darussalam and Singapore. Countries will continue to refine and figure costs for national oral health benefits during the remaining sessions of the 100 days. These efforts support implementation of the WHO Global strategy and action plan on oral health 2023–2030, while also helping to expand access to essential oral health services through stronger and more equitable health systems across the WHO Western Pacific and South-East Asia regions.______________For more information, or to arrange media interviews, contact: WHO Regional Office for the Western Pacific: wprocom@who.int WHO Regional Office for South-East Asia: SEMediaRelations@who.int

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Oct 4 • 8:00 PM EDT • Health • who.int
Rabid bat that came into contact with child found in Yuba City

Animal services collected the bat and sent it to the Sacramento County Public Health Lab, where testing confirmed it had rabies.

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Oct 4 • 7:27 PM EDT • Health • sacbee.com
Can HRT help prevent dementia? New research suggests it might

As debate continues over whether hormone replacement therapy can protect against dementia, new studies suggest timing and formulation are key.

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Oct 4 • 7:15 PM EDT • Health • scmp.com
Newsmakers: Southern NH Health names More VP of philanthropy

Southern New Hampshire Health named Cristine More vice president of philanthropy, among new appointments and leadership changes across New Hampshire organizatio...

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Oct 4 • 7:00 PM EDT • Health • unionleader.com
Newsmakers: Southern NH Health names More VP of philanthropy

Southern New Hampshire Health named Cristine More vice president of philanthropy, among new appointments and leadership changes across New Hampshire organizatio...

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Oct 4 • 7:00 PM EDT • Business • unionleader.com
OnMed, Jackson Health System and The Salvation Army Deploy OnMed CareStation™ to Extend Care Beyond Hospital Walls in Miami

Health system-sponsored CareStation creates a new front door to comprehensive, everyday care while strengthening connections to Jackson’s broader network of services SEPTEMBER 30, 2026 – OnMed, the leader in hybrid healthcare expanding access to care through the CareStation, today announced a new partnership with Jackson Health System, Miami’s only public health system, and The Salvation […]

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Oct 4 • 6:54 PM EDT • Health • southfloridahospitalnews.com
The Watch: Pesticide Contamination Threatens Drinking Water Sources

Atrazine is detected at harmful levels in more a quarter of rivers and stream miles … Few volunteer firefighters get health screenings … and more.

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Oct 4 • 6:43 PM EDT • Health • publichealthwatch.org
OpenAI's Altman says AI benefits warrant accepting some risks

OpenAI Chief Executive Sam Altman said the benefits of artificial intelligence justify accepting some risks and argued the technology should remain broadly accessible to the public

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Oct 4 • 6:35 PM EDT • Business • reuters.com
Your guide to California’s 6th Congressional District race

The new 6th District spans from Roseville and Rocklin in the north to West Sacramento in the south.

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Oct 4 • 6:34 PM EDT • Politics • sacbee.com
From nearsightedness to self-harm: Meta-review looks at how digital media impacts young people’s health

The authors of an expansive new series in ‘The Lancet’ argue that gaps in our understanding about digital harms shouldn’t delay urgent policy action.

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Oct 4 • 6:31 PM EDT • Health • fastcompany.com
Republican Senator Says Trump Goes From ‘Zero To A-Hole In 3 Seconds’
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Oct 4 • 6:10 PM EDT • Politics • yahoo.com
At Trump’s Rallies, a Familiar Mix of Rituals and a Plea to ‘Please Pretend’

President Trump is doggedly lending his support to Republican candidates facing a rough midterm season. He is the same campaigner he has always been, but his crowds have changed.

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Oct 4 • 5:53 PM EDT • Politics • nytimes.com
Italian Heritage Day returns to Rochester with food, entertainment, and language lessons

The fourth annual Italian Heritage Day returned to the Rochester Public Market.

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Oct 4 • 5:32 PM EDT • Entertainment • whec.com
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Gubernatorial candidate Byron Donalds speaks to FAMU for first townhall

The FAMU community gathered at Lee Hall to ask questions and hear from Byron Donalds, republican candidate for governor.

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Oct 4 • 5:06 PM EDT • Politics • wusf.org
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More than 1,000 walk in Concord for NAMI New Hampshire menta...

More than 1,000 people joined NAMIWalks New Hampshire in Concord, raising over $250,000 for mental health and suicide prevention as Mental Illness Awareness Wee...

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Oct 4 • 4:30 PM EDT • Health • unionleader.com
Adams Family Health Center to celebrate 10th anniversary

ADAMS — Samaritan’s Adams Family Health Center will celebrate its 10th anniversary with a public event from 5 to 7 p.m. Wednesday, Oct. 14, at 10881 U.S. Route 11.

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Oct 4 • 4:29 PM EDT • Health • nny360.com
Mobile healthcare clinic set up provide free services

This mobile health clinic provides screenings, chronic disease management, prescription management, dental care and primary care for free.

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Oct 4 • 3:44 PM EDT • Health • wsbtv.com
NH state retirees face 85% health premium hike

New Hampshire retirees in the state health plan will see premiums rise 85% in January under a one-year Anthem extension, while the state prepares to seek compet...

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Oct 4 • 3:25 PM EDT • Health • unionleader.com
James campaign scrubs some online elements of Trump support

Images of President Donald Trump were prominent on the campaign pages of Michigan Republican gubernatorial candidate John James before the Aug. 4 primary election, but afterward some of them have

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Oct 4 • 3:17 PM EDT • Entertainment • thederrick.com
Black Men, Mental Health and the Entertainment Industry

Black men, mental health and entertainment collide as Charlamagne Tha God and Lil Nas X open up about anxiety, trauma and bipolar disorder, while therapist Jahthaime Smith examines the pressures behind the public spotlight.

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Oct 4 • 3:12 PM EDT • Entertainment • lasentinel.net
Will Washington’s ‘millionaire tax’ drive people away? Business owners and lawmakers disagree

Supporters say the tax is needed to help fund education, tax credits for businesses and families, and other public programs. Opponents argue it could drive entrepreneurs, investors, and employers out of Washington.

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Oct 4 • 2:58 PM EDT • Business • kiro7.com
Vivian Kobusingye Birchall: The People Behind the Global Health Catalyst Summit

Vivian Kobusingye Birchall: The People Behind the Global Health Catalyst Summit / Augustin Bancalari, cancer care, Cancer research, Gavriel Ngwa, Geminai LLC,

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Oct 4 • 2:49 PM EDT • Health • oncodaily.com
Readers Write: Health care, AI, Minneapolis City Council and Public Schools, the death penalty

Be an informed health care voter this November.

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Oct 4 • 2:28 PM EDT • Health • startribune.com
Why Fun Is Serious Business: Boston’s Push To Build a More Vibrant, Competitive City

Boston public policy leaders and business advocates argued that a dynamic, cultural nighttime economy will help the city attract and retain talent while supporting local businesses.

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Oct 4 • 2:04 PM EDT • Business • bcheights.com
Italy contributes €3.5 million to strengthen health emergency response and public health services in Sudan

4 October 2026, Khartoum, Sudan – The Government of Italy, through the Italian Agency for Development Cooperation, has contributed €3.5 million to the World Health Organization (WHO) to strengthen Sudan’s health...

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Oct 4 • 1:46 PM EDT • Health • emro.who.int
AI, data science leaders join Cornell’s Radical Collaboration initiative

Cornell is expanding its expertise in artificial intelligence and data science thanks to the arrival of new faculty, with support from the Radical Collaboration initiative, building a research community that reaches across disciplines.

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Oct 4 • 12:44 PM EDT • Science • news.cornell.edu
On cusp of merger, ‘Digger bombs for Warner Bros., ‘Verity’ takes No. 1 at box office

On the cusp of the studio’s merger with Paramount, Warner Bros.

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Oct 4 • 12:41 PM EDT • Entertainment • seattletimes.com
All INdiana Politics: Albright and Forrestal battle for closely divided seat in Senate District 31

INDIANAPOLIS — One of Indiana’s most competitive Senate districts is the site of a high-stakes showdown as a family physician and a former sheriff vie for the seat vacated by Republican Sen. Kyle Walker. Senate District 31 covers Delaware and Fall Creek townships in Hamilton County, including most of Fishers, along with Lawrence and parts […]

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Oct 4 • 12:15 PM EDT • Politics • wishtv.com
How Long-Term Climate Change Harms Human Health - Global Health Otherwise

How Long-Term Climate Change Harms Human Health - Global Health Otherwise / Ana Maria de Roda Husman, cancer, Dieneke Bijkerk-Schram, Fábio Serafim, Global

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Oct 4 • 11:55 AM EDT • Health • oncodaily.com
Paly students combine science, compassion in children’s book

A group of Palo Alto High School students recently published a picture book — “The Brave Fuzzy” — that is geared toward getting young children excited for science.

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Oct 4 • 11:48 AM EDT • Science • paloaltoonline.com
Mental health courts help divert people from jail. Why don’t more NY counties have them?

This story originally appeared in New York Focus, a nonprofit news publication investigating power in New York. Sign up for their newsletter here (https://nysfocus.com/newsletter).

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Oct 4 • 11:45 AM EDT • Health • thelcn.com
Mental health courts help divert people from jail. Why don’t more NY counties have them?

This story originally appeared in New York Focus, a nonprofit news publication investigating power in New York. Sign up for their newsletter here (https://nysfocus.com/newsletter).

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Oct 4 • 11:45 AM EDT • Health • thedailynewsonline.com
Kansas City artist uses public installation to spark mental health conversations during awareness week

A Kansas City artist will pop up at Mill Creek Fountain during Mental Health Awareness Week to help people confront trauma and find help.

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Oct 4 • 11:16 AM EDT • Health • kshb.com
Tepper Sports & Entertainment announces Trane Technologies as Cornerstone Partner

Trane Technologies will serve as the exclusive Official Climate Technology Partner and Official Sustainability Partner for both the Carolina Panthers and Charlotte FC.

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Oct 4 • 11:12 AM EDT • Entertainment • wsoctv.com
Editorial: Public input should come before approval

A recent Reno town hall revealed tensions between developer Jacobs Entertainment and residents regarding urban design and public engagement.

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Oct 4 • 11:00 AM EDT • Entertainment • thisisreno.com
Lamont, Fazio make pitches to Connecticut business leaders as Election Day nears

With just over five weeks until Election Day, Gov. Ned Lamont and Republican challenger Ryan Fazio make their case to Connecticut business leaders. Plus, the sentencing of former state official Kosta Diamantis, more departures from Connecticut State Colleges and Universities (CSCU) and bipartisan calls to suspend Connecticut's gas and diesel taxes.

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Oct 4 • 10:30 AM EDT • Business • wtnh.com
Trump launches ‘Super Intelligence Force’ after calls for AI slowdown

Leaders from the intelligence community, the Pentagon, the Federal Trade Commission and the Office of Personnel Management will serve on the task force.

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Oct 4 • 10:26 AM EDT • Politics • washingtonpost.com
NC lawmakers call for special session of General Assembly to tackle high gas prices

Republican leaders in NC House and Senate announced Saturday that they plan to convene a special session to focus on gas prices.

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Oct 4 • 10:15 AM EDT • Politics • abc11.com
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Rahm Emmanuel says Democrats should focus on ethics reforms rather than impeaching Trump

Democrats have publicly weighed wether they should pursue impeaching Trump for a third time.

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Oct 4 • 10:12 AM EDT • Politics • nbcnews.com
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Kansas City artist uses public installation to spark mental health conversations during awareness week

A Kansas City artist will pop up at Mill Creek Fountain during Mental Health Awareness Week to help people confront trauma and find help.

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Oct 4 • 10:11 AM EDT • Health • kshb.com
Women and underrepresented minorities have higher tenure-track placement rates in the political science job market

What actually lands a PhD student a tenure-track professorship? A new study suggests a candidate's publication record, research field, and demographic identity are much stronger predictors of hiring success than the prestige of their university.

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Oct 4 • 10:00 AM EDT • Science • psypost.org
Trauma Farming: the New Politics of Public Suffering | Ash Sarkar meets Catherine Liu

The new politics of public suffering.

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Oct 4 • 10:00 AM EDT • Politics • novaramedia.com
From detailing family cars to cleaning rides for Patriots players: Local college student’s business

A local college student’s auto detailing business has grown from helping family and neighbors to servicing the vehicles of professional athletes across New England.

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Oct 4 • 9:19 AM EDT • Business • boston25news.com
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Blue surge could breach Cascades in this Washington race

For more than 50 years, every Washington state lawmaker chosen to represent Chelan County has been a Republican. That might change in this November's election.

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Oct 4 • 9:00 AM EDT • Politics • seattletimes.com
Poll: Latino voters swing away from Trump and Republicans

Democrats have a significant lead among Latino voters in 2026 amid economic concerns, according to the NBC News/Telemundo poll, though the GOP has made some long-term gains.

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Oct 4 • 9:00 AM EDT • Politics • nbcnews.com
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How Americans’ Financial Health Is Faring In The “K-Shaped” Economy

Hey all, Jason here. Money20/20 is still two weeks away, but I’ve already started packing (not procrastinating for once!). My calendar is already filling up with various sessions I want to catch, meetings, and of course happy hours, dinners, and other side events. If you’ll be in Vegas and want to catch up, let me know by replying to this email, and we can try to find a time amidst the chaos of the Venetian. A big if not totally unexpected piece of news dropped on Friday: the Independent Community Bankers of America, a trade group that represents smaller U.S. banks, filed a lawsuit against the OCC and Comptroller Jonathan Gould, arguing that the regulator’s move to grant trust bank charters to firms seeking to use them to conduct substantial non-fiduciary activities exceeds the authorities granted to the OCC by Congress. I haven’t had time to fully digest the legal filing or speak to folks in my network about it, but you can expect to see coverage and analysis on it in next week’s newsletter. Subscribe or Support by Upgrading The NerdCon agenda just dropped. It’s stacked. Partner content: Nubank built an AI-first bank. Chime built its own banking core. Figure and Valon are rebuilding the mortgage stack. At NerdCon, you’ll hear from the people behind those bets: what they chose, what they learned, and what they’re still figuring out. The agenda is live, with leaders from Nubank, Chime, OpenAI, Remitly, Mercury, Figure, Valon and more. Follow the mainstage conversations, bring the problem your team is wrestling with to a hands-on workshop, or pull up a chair at a roundtable. Pick your quests. Meet us in San Diego, November 18–20. Fintech Business Weekly readers save 20% with code FBW20. Explore the Agenda Things To Know & Other Good Reads Federal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements (Federal Reserve Board of Governors) FDIC Announces Conclusion of Independent Monitorship (FDIC) Modernizing Financial Regulation: Initial Observations from eSLR (Fed Vice Chair for Supervision Michelle Bowman) The Data Version of Godzilla versus Kong: FRED Takes on AI (Fed Governor Christopher Waller) Financing the AI buildout (Brookings) Q3’26: Rules for Banks but Not for Crypto (Fintech Takes Banking) The Inevitability of Local Stablecoins (Lombard Notes) Delusions of AI Governance: The Human-in-the-Loop Comfort Blanket (Fintech Snark Tank) Stripe agrees to acquire Parafin to expand revenue opportunities for platforms and help small businesses grow (Stripe) Listen: Fighting Fraud in the Age of AI, with SEON’s Tamas Kadar (Fintech Business Weekly) How Americans’ Financial Health Is Faring In The “K-Shaped” Economy If there is one overarching theme across the economy and politics in the U.S. at the moment, it’s “affordability.” The term is vague enough to encompass a panoply of factors shaping Americans’ day-to-day lives: rising costs for the hallmarks of being “middle class,” including healthcare, housing, childcare, and education, inflation and rising interest rates, and a job market with the specter of AI hovering over it. At the same time, policy shifts under the Trump administration have resulted in reduced subsidies to those who get health insurance under the Affordable Care Act and new restrictions on qualifying for Medicaid and SNAP, the impacts of which have yet to be fully felt. These factors are contributing to declining consumer confidence and general dissatisfaction with the economy, despite continuing GDP growth and stock market records. This divergence is encapsulated in the idea of the “K-shaped” economy, in which a small proportion of Americans have seen their wealth balloon, while the majority of American households struggle to preserve the lifestyle they have. Perhaps the greatest determinant of which branch of the “K” a household is on is whether their wealth and income are primarily derived from employment vs. from assets. Nearly two decades of low interest rates and, more recently, elevated rates of inflation have benefited asset owners, while those whose income is primarily or solely derived from labor have largely seen real purchasing power stagnate or decline. This is reflected in recent Bureau of Labor Statistics data showing that labor share of U.S. GDP — the fraction of economic output that accrues to workers as compensation in exchange for their labor — dropped to just 52.8% in Q2 2026, the lowest since the BLS began keeping records. In 1947, approximately 2/3rds of economic output accrued to workers; even as recently as 2001, labor’s share of GDP was 64.1%. Against this backdrop, we’ve seen the rise of more credit and credit-like products: cash advance apps, “no-fee” overdraft, earned wage access, and buy now pay later, which are often used as small-dollar short-term borrowing mechanisms to meet immediate consumption needs or pay other bills (eg utilities, cell phone, other debt payments). With the markers of a middle class existence and, increasingly, basic financial stability seemingly out of reach for many, it should be no surprise there’s been an increase in “financial nihilism,” something industry peers like Alex Johnson and Frank Rotman have discussed and analyzed the roots of. The explosion of gambling and gambling-adjacent products and services — often marketed under the guise of being an “investment” — is inextricably intertwined with the rise of financial nihilism. Crypto, sports betting, and, more recently, prediction markets offer an escape or even hope of sorts, like a contemporary, digital version of a scratch-off lottery ticket, while leaving the overwhelming number of people who use such products worse off. Share of Households That Are Financially “Vulnerable” Ticks Up The Financial Health Network’s 2026 Financial Health Pulse® report adds context on how American households are faring. (I linked to this report in last week’s newsletter, but wanted to take time to further unpack the data in the report this week.) The Financial Health Network publishes the report annually, providing insight into how Americans’ financial circumstances are changing over time. The 2026 report is derived from a survey fielded in April and May 2026. The report leverages survey responses to assess indicators of financial health across spending, saving, borrowing, and planning/protecting and to determine a zero to 100 “FinHealth” score. Those with scores between 0 and 39 are considered “Financially Vulnerable,” consumers with scores ranging between 40 and 79 are defined as “Financially Coping,” and those with scores of 80 to 100 are “Financially Healthy.” The report found that moderate improvements in 2025 were reversed, with the share of respondents considered financially “vulnerable” rebounding to 17%. The longitudinal data reflect the impact of pandemic-era programs, like expanded unemployment, cash stimulus payments, and pauses of federal student loan payments. The positive impacts of those programs, as reflected in the Financial Health Pulse reports, had largely disappeared by 2023. While pandemic-era inflation — to be fair, in part caused by the various support and stimulus measures — had come down from as high as 9% in 2022, it has rebounded since the start of Trump’s second term, with tariffs and energy market disruptions owing to the war in Iran pushing prices back up. Specific indicators in the survey that deteriorated from 2025 to 2026 include the share of respondents spending less than their income over the past 12 months, the share paying all bills on time over the past 12 months, the share that have a manageable amount or no debt, the share that are “moderately” or “very” confident their insurance is adequate to cover them in an emergency, and the share that “somewhat” or “strongly” agree that their household plans ahead financially. Unsurprisingly, lower- and moderate-income households are more likely to struggle to pay their bills on time and have any funds leftover to save. The share of low-income households whose income exceeded their spending dropped from 35% in 2025 to 31% in 2026, while the share of upper-income households whose income exceeded expenses remained unchanged at 63%. Households with student loans or revolving credit card debt reported having “a bit more” or “far more” debt than was manageable at rates far higher than those not carrying these types of debts. The share of those with student loan debt indicating their debt load was too high to manage increased from 50% in 2025 to 55% in 2026, while the share of those with revolving credit card debt saying the same ticked up from 51% in 2025 to 54% in 2026. Households that had student loans were markedly more likely to be financially “coping” or “vulnerable” vs. those without student loans. In 2026, 27% of households with student loans were considered financially vulnerable, a jump of 6% points vs. 2025. Households without student loans saw just a 1% point increase (not statistically significant) in those considered financially vulnerable. Households’ perception of the affordability of categories of goods and services paints a stark picture, with less than one-fourth considering higher education affordable, about a third deeming childcare affordable, and less than half viewing healthcare as affordable. Fintech Business Weekly is made possible by the generous support of paying subscribers — bringing you independent analysis of banking, fintech, and crypto without fear or favor. You can support my work by becoming a paying subscriber if you aren’t already. Paying subscribers enjoy: access to the entire archive of nearly six years of newsletters extended versions of the weekly newsletter, with additional content and analysis and (for founding member tier) quarterly personal 1:1 fintech Q&A / strategy calls with me, tapping into my unparalleled knowledge of the intersection of banking and fintech and experience working in the sector, including helping to launch Goldman Sachs’ retail bank Marcus Support Fintech Business Weekly You can also support Fintech Business Weekly by sponsoring a newsletter or podcast, putting you in front of 93,000+ of the most influential decision makers in banking, fintech, and crypto. Learn more about sponsor opportunities or request a media kit by dropping me an email. Democratic Senate Report Highlights How Iran Uses Tether to Evade U.S. Sanctions Iran uses stablecoins, specifically Tether, to evade sanctions, fund regional proxies, and to purchase military drones, a report released last week by the Senate Permanent Subcommittee on Investigations says. The report was authored by committee ranking member Senator Richard Blumenthal (D-CT) and the minority staff. Crypto and stablecoin proponents will often push back on criticism that criminals make use of these assets by arguing that, on an absolute dollar basis, far more illicit funds flow through traditional banking systems and payment rails than via crypto and stablecoins. And while that is likely true, it elides the reality presented in news story after news story: whether state actors — Russia, Iran, North Korea — or criminal groups, those looking to engage in illicit transactions increasingly favor stablecoins and, specifically, Tether (USDT). The report from the Senate Permanent Subcommittee on Investigations released last week adds context to how Iran uses Tether has a lynchpin in its shadow banking system. The report analyzed 846 wallets that have been sanctioned or targeted for seizure, finding that 84% of them transacted exclusively or primarily in Tether. The ability to create near limitless, anonymous wallets and to move funds effectively instantaneously and irreversibly have made crypto a favored financial mechanism for bad actors. Stablecoins solved key drawbacks of bitcoin, namely, the original cryptocurrency’s highly volatile value in dollars. And while Tether (the company) has the technical ability to “freeze” or destroy funds, the company is often limited and reactive in its approach to doing so, the Senate report argues. Tether, which is nominally based in crypto-friendly El Salvador, “has stated that its compliance with OFAC sanctions is ‘voluntary’ and that it follows ‘OFAC guidelines,’” the Senate report says. Owing to these favorable attributes, Tether “became a primary cryptocurrency for Iran, Hamas, Hizballah, and the Houthis beginning in 2023 and has expanded in scale since,” according to the report. Tether’s role in Iran’s shadow banking system, the report says, is enhanced by crypto exchanges like Bybit, Kyrrex, OKX, Gate, and Binance, and through “over the counter” exchanges and hawala networks. The consequences of these financial flows aren’t hypothetical. The Senate report links Tether as a funds transfer mechanism to Iranian proxies in the region, including Hizballah, the Houthis, and Hamas. Tether has also been used to make payments to secure components necessary to manufacture drones, the report says. The report concludes by arguing that “[s]tablecoin issuers with a significant nexus to the United States, particularly those that offer dollar-denominated stablecoins, should be subject to American sanctions law rather than being allowed to hide behind foreign jurisdictions.” Stablecoin issuers like Tether must be held accountable for repeated failures to prevent illicit finance and sanctions violations by law enforcement, the Department of Justice, the Securities and Exchange Commission, and OFAC, the report argues. [Paying Subscriber Exclusive] OUSD Goes Live, Make Your Own Neobank, U.S. Sanctions Russia’s A7 Network As “Transnational Criminal Organization” OpenUSD, the stablecoin issued by the Open Standard consortium that includes Stripe, Visa, Mastercard, core providers, crypto firms, and numerous banks, went live last week. Social commerce platform Whop raised eyebrows in fintech by offering creators on its platform the ability to launch their own neobanks, which the company describes as “great businesses that are easy to run,” in just 15 minutes. And OFAC and FinCEN target Russia’s “shadow banking” A7 Network — more on these stories after the paywall.

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Oct 4 • 8:59 AM EDT • Health • fintechbusinessweekly.substack.com
Georgia woman business owner arrested on fraud charges

Other Mad Marketing clients have also come forward with allegations of fraud.

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Oct 4 • 8:22 AM EDT • Business • wsbtv.com
OperaSLO brings massive Gilbert and Sullivan production to PAC

You’ve likely never seen this particular comedic opera — the “Olympics of live performing arts” — at this scale.

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Oct 4 • 8:00 AM EDT • Entertainment • sanluisobispo.com
Science Snapshots: October 4, 2026

Three new science finds: forest fragmentation alters temperatures, black-hole jets illuminate pre-existing gas, and butterfly wing patterns confuse predators.

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Oct 4 • 7:54 AM EDT • Science • thehindu.com
A Black community in Louisiana faces a future without a champion in Congress after redistricting

Scotlandville is a predominantly Black community in Baton Rouge, Louisiana, that’s facing challenges in its political representation

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Oct 4 • 7:37 AM EDT • Politics • washingtonpost.com
A familiar figure, a new voice: Meryl Streep’s Aslan stirs gender debate over Gerwig’s ‘Narnia’

Director Greta Gerwig's film adaptation from "The Chronicles of Narnia" is sparking controversy over casting of Meryl Streep to voice Aslan the divine lion in "Narnia: The Magician’s Nephew.".

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Oct 4 • 7:03 AM EDT • Entertainment • seattletimes.com
What Amendment 3 reveals about housing and politics

As we approach the Nov. 3 midterm elections, when seemingly everything is politically filtered or turned into a line of attack, it raises the question: is housing political?

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Oct 4 • 7:00 AM EDT • Politics • miamiherald.com
Fiber arts guild plans demonstrations

Foothills Weaving and Fiberarts Guild will offer a basket workshop and public waiving and spinning demonstrations at two locations in Clinton.

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Oct 4 • 7:00 AM EDT • Entertainment • romesentinel.com
Business Roundup: Olde Tymer’s space gets new life, Higher Purpose Homes honored

In this week’s business roundup: The former Olde Tymer’s Cafe building gets a makeover in preparation for a new restaurant, while Durango-based Higher Purpose

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Oct 4 • 7:00 AM EDT • Business • durangoherald.com
Nate Bargatze's love of cars and comedy makes Ford gig a perfect fit

Nate Bargatze had barely four hours of sleep when he took the stage at the Ford Accelerate conference at Michigan Central Station in Detroit.

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Oct 4 • 6:07 AM EDT • Entertainment • bradenton.com
Contributor: Democrats can become the party of business

Republicans are not standing up for the small U.S. companies that suffer in trade wars. Doing so would be good business and good politics.

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Oct 4 • 6:01 AM EDT • Business • latimes.com
The counties to watch on the massive midterm elections battlefield

The breadth of the public backlash against President Donald Trump’s tumultuous second term is rapidly widening the campaign battlefield for 2026.

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Oct 4 • 6:00 AM EDT • Politics • cnn.com
How Democrats hope to reverse Trump’s changes to the presidency

As the midterms approach, some of the president’s foes are working to ensure his aggressive approach to executive power doesn’t outlast him.

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Oct 4 • 6:00 AM EDT • Politics • washingtonpost.com
Election skeptics took over this county. They still don’t trust results.

In Shasta County, California, the election chief lost his job — then locked up the ballots and called the FBI.

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Oct 4 • 6:00 AM EDT • Politics • washingtonpost.com
In Shanghai’s ‘Science City,’ China’s ascendant biotechs make their pitch to the world

For two years, American labs and board rooms have been riven with excitement and anxiety over the vertiginous rise of Chinese biotech.

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Oct 4 • 6:00 AM EDT • Science • bostonglobe.com
Veteran political forecasters see midterm losses for GOP

Two of the country's top political prognosticators see Democrats likely seizing the House and possibly the Senate. The guardrails Republicans were counting on to stem their losses don't seem to be holding.

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Oct 4 • 6:00 AM EDT • Politics • latimes.com
INSIGHT KANSAS: The Political Storm of 2026

Mark R. Joslyn. Courtesy photo By MARK R. JOSLYNInsight KansasWill Kan

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Oct 4 • 5:15 AM EDT • Politics • hayspost.com
Littwin: Election-year debates are becoming increasingly rare. Is it fear or calculation? Or both?

The columnist writes that the lack of public debate stems from a combination of fear of gaffes and political calculation.

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Oct 4 • 5:05 AM EDT • Politics • coloradosun.com
Democrats Lead Governor Races Deep in Republican Territory, Polls Show

Democratic advantages in the races for governor in Texas, Iowa, Ohio and Alaska reflect deep unhappiness with President Trump and the economy. A Republican leads in Kansas.

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Oct 4 • 5:03 AM EDT • Politics • nytimes.com
Some Democrats, Scarred by 2024, Take a Harder Line on Trans Athletes

Democrats competing in historically conservative territory in the midterms are more aggressively responding to Republican attacks casting them as extreme.

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Oct 4 • 5:02 AM EDT • Politics • nytimes.com
Latter-day Saints women turn away from scandal-plagued Republican candidate in Arizona

Arizona Republican candidate for Congress Mark Lamb has been accused of sexual misconduct while sheriff. His controversy is turning many voters away as Democrats see an opportunity in the red seat.

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Oct 4 • 5:00 AM EDT • Politics • kgou.org
Why you should think about getting your flu shot right now

Flu is surging unusually early in some parts of the western United States, catching doctors by surprise.

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Oct 4 • 5:00 AM EDT • Health • washingtonpost.com
How a patient advocate could help you navigate your family's next health crisis

Here’s what you need to know to work with one most effectively.

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Oct 4 • 5:00 AM EDT • Health • washingtonpost.com
Latter-day Saints women turn away from scandal-plagued Republican candidate in Arizona

Arizona Republican candidate for Congress Mark Lamb has been accused of sexual misconduct while sheriff. His controversy is turning many voters away as Democrats see an opportunity in the red seat.

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Oct 4 • 5:00 AM EDT • Politics • wvasfm.org
How Roy Cooper became Democrats’ best chance to flip a Senate seat

The former North Carolina governor is running in a state that for decades has more often preferred Republicans for federal office.

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Oct 4 • 5:00 AM EDT • Politics • washingtonpost.com
Some of NC’s weirdest and worst political ads probably aren’t on your TV

We’ve all seen the ads in North Carolina’s U.S. Senate race, but they aren’t the only memorable ads airing right now. | Opinion

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Oct 4 • 5:00 AM EDT • Politics • charlotteobserver.com
Roma interested in Endrick loan deal -report

Real Madrid striker Endrick might be forced to consider yet another loan deal out of the club this upcoming winter and Roma appear to have serious interest in that kind of move, according to a report published today on MARCA. Endrick has only played four minutes for Real Madrid this season and appears to be […]

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Oct 4 • 3:38 AM EDT • Sports • sports.yahoo.com
Why Ken Paxton could lose a Texas GOP Senate seat to James Talarico

Plagued by ethics allegations, the Senate candidate is unusually vulnerable for a red state Republican.

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Oct 4 • 3:01 AM EDT • Politics • patriotledger.com
Why Ken Paxton could lose a Texas GOP Senate seat to James Talarico

Plagued by ethics allegations, the Senate candidate is unusually vulnerable for a red state Republican.

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Oct 4 • 3:01 AM EDT • Politics • northjersey.com
Inside the DC 'Power to the People' festival headlined by Bruce Springsteen

Bruce Springsteen and other music legends delivered a powerful message at the “Power to the People” protest festival in Maryland

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Oct 4 • 1:43 AM EDT • Entertainment • whio.com
Not All Magnesium Supplements Are Equal: What Science Says About Absorption

Magnesium has quietly become one of the most talked-about minerals in nutrition science, and a new narrative review published in Food Science and Biotechnology by Sanem Gultekin and Merve Tomas of Istanbul Technical University explains why the supplement aisle may be far more

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Oct 4 • 1:06 AM EDT • Science • bioengineer.org
Bosnia votes as pro-Russian politician looms large over the race and ethnic tensions simmer

Bosnia is holding a general election with citizens of all ethnicities focused on everyday problems

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Oct 4 • 12:13 AM EDT • Politics • washingtonpost.com
Mars shelter problem can be solved with engineered yeast: paper
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Oct 4 • 12:00 AM EDT • Science • scmp.com
Orlando Health completes acquisition of RMC Health System in Anniston

Orlando Health completes acquisition of RMC Health System in Alabama, renaming the facility Baptist Health Calhoun Hospital.

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Oct 3 • 11:39 PM EDT • Health • wftv.com
Hundreds gather in Duxbury to raise awareness for perinatal mental health support

Hundreds of people came together in Duxbury Saturday to make sure parents struggling with their mental health know they don’t have to face it alone.

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Oct 3 • 11:00 PM EDT • Health • boston25news.com
Free Narcan training at Bismarck-Burleigh Public Health

During the training participants learned how to administer Narcan and recognize the signs of an overdose.

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Oct 3 • 10:12 PM EDT • Health • kfyrtv.com
😐 Neutral (0%)
Trump Promotes Data Centers at Rally With Republican Facing Heat on Them

The president defended the complexes, which have become a liability for Senator Jon Husted in a challenging midterm race.

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Oct 3 • 10:10 PM EDT • Politics • nytimes.com
Ken Paxton’s estranged wife urges voters to back him in new ad

The ad hit the airwaves as Republican Ken Paxton is lagging behind Democratic candidate James Talarico in polls on the Texas Senate race.

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Oct 3 • 10:00 PM EDT • Politics • nbcnews.com
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Kansas candle-making business accused of fraud to get a loan

KANSAS CITY, KAN. – A federal grand jury in Kansas City, Kansas, returned an indictment charging a Kansas woman for allegedly submitting fic

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Oct 3 • 9:00 PM EDT • Business • hayspost.com
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As midterms near, Justice Alito shares his feelings about retirement

Speaking to CBS News, Alito described the calculation as a natural one that comes with age. At 76, Alito is the second-oldest justice on the court.

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Oct 3 • 8:41 PM EDT • Politics • seattletimes.com
Who will be Brazil’s next president?

The election could also serve as a bellwether of Donald Trump's influence in Latin America

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Oct 3 • 8:00 PM EDT • Politics • en.majalla.com
Trump rally attendees react to war and the economy ahead of the midterms

CNN’s Alayna Treene speaks with Trump supporters about their views on issues like the Iran war, gas prices and the economy, as the US president campaigns in Vandalia, Ohio in a bid to help Republicans retain control of Congress in next month’s midterm elections.

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Oct 3 • 8:00 PM EDT • Politics • cnn.com
Ken Paxton’s estranged wife backs him without saying his name

Texas state Senator Angela Paxton, Ken Paxton’s estranged wife, threw her support behind the Texas GOP Senate nominee without naming him, saying in a new ad that she will be “voting for the Republican ticket.” The ad comes after Paxton urged Republican women in remarks last month to support GOP candidates even if they have reservations about them.

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Oct 3 • 8:00 PM EDT • Politics • cnn.com