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‘NCIS’ Star Mark Harmon Reveals Why He and His Wife Pam Dawber Keep a Low Profile
They've been married since the late ’80s!
Apple's Newest Macs Just Got Their Biggest Price Cuts Yet on Amazon
Prime Big Deal Days sales are already starting, and have now hit Apple's brand new Mac mini and Mac Studio computers. You can get up to $199 off these 2026 devices with Amazon's latest savings. Note: MacRumors is an affiliate partner with some of these vendors. When you click a link and make a purchase, we may receive a small payment, which helps us keep the site running.
Apple Watch Prime Day Deals Arrive With New All-Time Low Prices for Series 12 and Ultra 4
Big Apple Watch discounts have started arriving ahead of Prime Big Deal Days, including new low prices on Apple Watch Series 12 and Apple Watch Ultra 4. These deals join some Apple Watch SE 3 discounts that we began tracking over the weekend, alongside other major early Prime Big Deal Days markdowns. Note: MacRumors is an affiliate partner with Amazon. When you click a link and make a purchase, we may receive a small payment, which helps us keep the site running.
The AI Advantage Minnesota Has Been Building for Decades
Software companies used to defend themselves in a handful of reliable ways. They built useful features, made their products easy to use and counted on the hassle of switching platforms to keep their customers from leaving. A new company that wanted to compete had to invest months, sometimes even years, of engineering time to catch
‘An anchor’: Oakshire fans celebrate, grieve as business prepares to shut down
Oakshire Public House has been a gathering space in the Whiteaker neighborhood since 2013 and holds many individual and community memories. Oakshire as a company is closing, but it plans to transition the Public House to a new company in the next two months, keeping the location open through the process.
Top Links 1245 Jobs in health care. Jobs for women. The US labour market is segmenting. Chernobyl’s radiation and Lenin’s love of literature.
Thank you for your support of Chartbook. Your generosity keeps this show on the road. Elmer Bischoff, Two Figures at the Seashore, 1957 The only really dynamic job-creator in the US economy is health care:
Jobs in health care. Jobs for women. The US labour market is segmenting. Chernobyl’s radiation and Lenin’s love of literature.
Thank you for opening your Chartbook email. Elmer Bischoff, Two Figures at the Seashore, 1957 The only really dynamic job-creator in the US economy is health care: The largest crunch has come in Federal government, which has shed 2.7 m jobs. Source: tchouvkov on Twitter Tech is struggling. [ Joey Politano 🏳️🌈@JosephPolitano The US tech sector continues bleeding jobs in official data released today—overall, employment decreased by 17k last month and is down 69k over the last year That's nearly as bad as the worst of the 2024 tech-cession, and much worse than the 2022 boom or even pre-2020 norms 12:42 PM · Oct 2, 2026 · 15.2K Views 15 Replies · 47 Reposts · 390 Likes ](https://x.com/JosephPolitano/status/2106001807847940232?s=20) The new jobs are all for women. [ Justin Wolfers@JustinWolfers I'm not sure who saw this coming, but so far nearly all the jobs created during the second Trump administration have gone to women. 1:09 PM · Oct 2, 2026 · 33K Views 70 Replies · 146 Reposts · 644 Likes ](https://x.com/JustinWolfers/status/2106008723533533601?s=20) Meanwhile, real wages are being eaten up by modest over-target inflation. [ Heather Long@byHeatherLong The financial pain is real: Wage growth fell to 3% (y/y) in September. That's the lowest in 5 years. Wage growth: 3% Inflation: ~3.4% Inflation has eaten up all wage gains for the average worker since April. Many people are having to make hard choices about what to buy and what … 1:24 PM · Oct 2, 2026 · 37K Views 24 Replies · 275 Reposts · 533 Likes ](https://x.com/byHeatherLong/status/2106012367712620728?s=20) HEY READERS, THANK YOU for opening the Chartbook email. I hope it brightens your day. I enjoy putting out the newsletter, but tbh, what keeps this flow going is the generosity of those readers who clicked the subscription button. If you are persuaded to click, please consider the annual subscription of $60. It is both better value for you and a much better deal for me, as it involves only one credit card charge. Why feed the payments companies if we don’t have to. Subscribe Elmer Bischoff, Bathers, 1960 Americans are disillusioned with higher ed. For contributing subscribers only. Subscribe Where the Chernobyl radiation went. h/t Simon Kuestenmacher aka simongerman600 How Lenin’s love of literature shaped the Russian Revolution - Tariq Ali This, then, was the intellectual atmosphere in which Lenin came of age. His father, a highly cultured conservative, was the chief inspector of schools in his region and much respected as an educationalist. At home, Shakespeare, Goethe and Pushkin, among others, were read aloud on Sunday afternoons. It was impossible for the Ulyanov family – “Lenin” was a pseudonym adopted to outwit the tsarist secret police – to escape high culture. At high school, Lenin fell in love with Latin. His headteacher had high hopes that he might become a philologist and Latin scholar. History willed otherwise, but Lenin’s passion for Latin, and taste for the classics, never left him. He read Virgil, Ovid, Horace and Juvenal in the original, as well as Roman senatorial orations. He devoured Goethe during his two decades in exile, reading and rereading Faust many times. Lenin put his knowledge of the classics to good use in the time leading up to the October revolution of 1917. In April of that year, he broke with Russian social-democratic orthodoxy and, in a set of radical theses, called for a socialist revolution in Russia. A number of his own close comrades denounced him. In a sharp riposte, Lenin quoted Mephistopheles from Goethe’s masterwork: “Theory, my friend, is grey, but green is the eternal tree of life.” Source: The Guardian Elmer Bischoff, The River, 1953 If you’ve scrolled this far, you know you want to click: Subscribe
Yale School of Medicine On the Science of Childhood Anxiety, Say, Anxiety Disorders Are the Most Common Mental Health Challenges In Youth
Credit: Matt Bradbury October 5, 2026 - By Isabella Backman - Anxiety disorders are the most common mental health challenges in youth. Left untreated, they can disrupt the lives of both children and their families. The good news is that with intervention, most children will overcome these conditions. Across Yale School of Medicine, scientists are working to understand anxiety at every level, from common anxious behaviors to molecular biomarkers in the brain. They are using their findings to develop and disseminate new evidence-based treatments for childhood anxiety. Today, the go-to treatment for childhood anxiety disorders is cognitive behavioral therapy (CBT). This is a form of psychotherapy that teaches children skills for confronting anxious thoughts and helps them practice managing situations that cause anxiety. While it is the gold-standard treatment backed by considerable scientific evidence, up to 50% of children will not see sufficient benefit from CBT alone. Wendy Silverman, PhD, Alfred A. Messer Professor in the Child Study Center, co-directs the Anxiety and Mood Disorders Program alongside Eli Lebowitz, PhD, associate professor in the Child Study Center. One of their main interests is learning how to improve outcomes beyond CBT. “We’re developing cutting-edge, research-based knowledge that can reduce the suffering that anxiety causes children and their families,” says Silverman. Changing parent behavior YSM experts are investigating how to improve CBT outcomes for children by involving the parents. Silverman’s research has uncovered two main components of parent intervention that improve childhood anxiety: not enabling children to completely avoid the things that make them anxious and taking steps to enhance their autonomy. Parents may unintentionally reinforce their child’s anxiety by allowing them to avoid what makes them anxious. They also may unintentionally limit the children’s sense of autonomy by being overly intrusive. “One of the things that we take pride in is that we’ve focused on trying to understand what parents need to do, and to test our ideas and see if changing the parents’ behaviors is enhancing the effects of CBT,” Silverman says. “Our findings thus far suggest that they do." As much as CBT can be helpful, it can also be challenging to get one’s child to do the necessary steps for CBT to work. This is one important reason why Lebowitz created a novel intervention program for parents named Supportive Parenting for Anxious Childhood Emotions (SPACE). Existing intervention programs often teach parents to act as therapists for their child, such as training them on how to practice breathing exercises. “It makes sense, but this doesn’t work very well in practice,” says Lebowitz. “And part of the reason, I think, is that it’s not easy to get your kid to do things, especially if they’re not excited about doing it.” SPACE is unique because it focuses entirely on parent involvement and changing parental behavior—children are not involved in the sessions. For example, parents learn how to use supportive messages that convey confidence that their child can tolerate and manage distress. “It might sound like a parent saying to a child, ‘I get that this is really hard for you, but I know that you can handle it,’” Lebowitz says. The program also works with parents to identify the ways in which they are accommodating anxious behaviors. “We’ll pick one thing that parents are doing that is an accommodation and help them make a detailed plan for how they’re going to change that,” Lebowitz explains. Treating Anxiety in Children and Adolescents Much of the existing research on SPACE has focused on parents of children under age 14. Ongoing studies are now exploring its use with parents of older teens. “Both anxiety and accommodation can interfere with normative developmental shifts during the teen years, including increased autonomy and individuation from parents,” says Rebecca Etkin, PhD, associate research scientist in the Child Study Center. “In this sense, SPACE may be particularly well-suited for anxious teens and their parents. We want to see whether it is effective during this distinct developmental window.” Unfortunately, many families in need of CBT face barriers, including limited availability of services and geographic constraints. One way to improve access is digital interventions. Silverman and her team are developing an evidence-based digitized intervention program for parents that they can access directly from their computer or smart phone. “The work we’re doing will be one of the very few parent interventions that is digitized and importantly tested for effectiveness,” she says. Creating interventions for anxiety-related challenges Silverman and Lebowitz recently received a generous gift to develop and test other interventions that help parents reduce other child anxiety-related behavioral and emotional difficulties, such as restrictive eating and unexplained somatic symptoms. One of these projects in particular focuses on understanding the risks of social media and its potential benefits, including offering a sense of connection. “A lot of research has focused on the idea that social media is harmful and the less of it the better,” says Lebowitz. “But we actually see is that this is not quite right—there are negatives, but there are also positives. So, we’re trying to get a little bit more nuanced of a picture.” The team is working with teens with social anxiety and their parents over an extended period to better understand their social media habits and how their anxiety levels affect engagement with different platforms. The teens will answer questions sent to an app on their phones about mood and social media usage in an effort to capture emotional responses as they unfold. “We hope to develop interventions that can help make the best of social media while protecting against the more problematic effects,” Lebowitz says. The brain’s role in anxiety Researchers are also testing therapies to address anxiety at the neurological and molecular levels. In collaboration with Dylan Gee, PhD, professor of psychology in Yale's Faculty of Arts and Sciences, and Hilary Blumberg, MD, John and Hope Furth Professor of Psychiatric Neuroscience at Yale School of Medicine, Lebowitz and Silverman are using brain imaging to identify changes in a child’s brain before and after parents enroll in SPACE. In one study, children viewed anxiety-inducing images while undergoing magnetic resonance imaging (MRI); the researchers conducted scans with and without the children’s parents nearby. Before SPACE, children’s brains were better able to activate the regulatory circuitry needed to turn off an anxious response when their parents were nearby. But after SPACE, children could activate this circuitry even without the parent around. “As parents work on gradually reducing some of their accommodations, you can see a child get better at regulating their own fear system in the brain,” Lebowitz says. “It’s remarkable.” Research into the molecular underpinnings of anxiety can also inform new childhood anxiety treatments. In a recent study, Lebowitz, Silverman, and Flora Vaccarino, MD, Harris Professor in the Child Study Center, discovered that a protein known as fibroblast growth factor 2 (FGF2) could be protective from the toxic effects of stress. FGF2 levels in children and their parents were linked to the children’s risk of developing anxiety and depression, the study showed. The findings could help explain why some children who are exposed to early life trauma such as poverty or abuse are more prone to developing mental health disorders. And FGF2 could be a target for treatment. “This is very novel because it starts to give a clue to what is the molecular chain that connects those lived experiences to the actual psychological outcomes,” Lebowitz says. New ways to study and treat childhood anxiety Michael Crowley, PhD, associate professor in the Child Study Center, collaborates with Silverman and Lebowitz to study the role that attention plays in development and maintenance of childhood anxiety. There is a large body of research that shows that anxious children, like anxious adults, are prone to focus on threatening stimuli such as angry faces compared with neutral faces. This has led to innovative interventions that involve attention retraining. The idea is that if experts train children to look away from threatening stimuli, it may reduce their anxiety—especially children with social anxiety who are most prone to attend to threats. The researchers have just completed a clinical trial for attention retraining with 10- to 14-year-olds with social anxiety disorders and are currently analyzing the findings. Besides this innovative attention retraining research, as Crowly notes, “I like to design tasks that are engaging to kids,” Crowley says. “My goal is to assess something without the kids knowing what we are assessing.” With this goal in mind, Crowley has created a virtual game, named Boom, to study threat processing in children with anxiety disorders. The game is similar to that of hot potato—the child and three digital players take turns virtually passing a ball to each other’s gloves. At some point, the ball turns into a bomb, and as the bomb lands in each player’s glove, the outline of the glove turns yellow. The goal is to avoid having the bomb go off in your glove. What isn’t obvious is that the game is designed to measure different types of threatening stimuli, both ambiguous and direct. In the game, the direct threat occurs as the bomb is traveling towards your glove. The ambiguous threat is the yellow outlined glove as it is unknown where the bomb will travel next. While children play the game, Crowley’s team measures their brain activity using electroencephalography (EEG). The researchers have discovered that in kids with anxiety, the brain reacts more strongly to ambiguous threats than it does in their peers, but less strongly to direct threats. They believe that the initial abnormally large brain response to not knowing where the bomb is going impairs the brain's ability to properly respond when the threat is actually traveling the child’s way. “The brains of children with anxiety are unable to differentiate between threats you need to do something about and those that are not your problem.” Michael Crowley, PhD, develops innovative games for studying anxiety in children and adolescents.Credit: Matt Bradbury Based on these insights, Crowley hopes to study whether interventions like attention training could restore appropriate threat processing. Crowley’s team is also working on a test called the Balloon Risk Avoidance Task, which evaluates risk-taking and avoidance behaviors. It features a digital balloon that is full of air and about to burst. Kids have six seconds to let air out of the balloon. The more air they let out, the less risk they face that the balloon will pop. But at the same time, the balloon becomes less valuable as it deflates. “The more air you keep in the balloon, the more points you get,” Crowley explains. So far, the researchers have found that when the balloons pop unexpectedly, teens with social anxiety show distinct brain responses. Studying these responses can help psychologists understand the underlying pathways driving the various manifestations of anxiety. The genetics of anxiety When Thomas Fernandez, MD, associate professor in the Child Study Center and of psychiatry, was still in training, there was a lot of excitement about understanding the genetics associated with autism spectrum disorder. Since then, scientists have identified around 250 genes associated with autism. The genetic contribution to anxiety disorders, on the other hand, has historically received less attention. Anxiety is less heritable than autism, but the genetic contribution for anxiety disorders that emerge in childhood may be higher than for anxiety disorders overall. While scientists estimate the heritability of anxiety disorders in general to be around 30% to 50%, some studies suggest higher heritability for certain childhood-onset anxiety presentations. “I saw firsthand how researchers in the field went about finding vulnerability genes for autism,” Fernandez says. “So, we’re using a very similar playbook for childhood anxiety.” “I saw firsthand how researchers in the field went about finding vulnerability genes for autism. So, we’re using a very similar playbook for childhood anxiety.” Thomas Fernandez, MD Associate Professor In the Child Study Center and in Psychiatry Now, Fernandez and Emily Olfson, MD, PhD, assistant professor in the Child Study Center, are studying children and their parents to identify genetic changes that are present in the child but not the parents, known as “de novo mutations.” “All of us have some de novo mutations—maybe about 50 to 100 sprinkled throughout the genome,” Olfson says. “But when they occur within the coding regions of genes, they can be really disruptive.” Previous research shows that people with autism have higher rates of damaging de novo mutations than the general population. In 2022, Olfson, Lebowitz, Silverman, and Fernandez published a study on 68 children and their families that found that children with anxiety had similarly high levels of these mutations. Studying de novo mutations can help point the researchers to where they should be looking for genes associated with anxiety. “The end game is using the genes to steer us toward the right part of biology that we can then target to come up with better treatments,” Fernandez says. Building on those findings, the team is now studying more families to better understand how these de novo mutations, along with other genetic and environmental factors, shape pediatric anxiety disorders. They recently received a National Institutes of Health grant to enroll 750 new families over the next five years. Olfson is the principal investigator, with co-investigators Lebowitz, Fernandez, Silverman, and Shuangge Steven Ma, PhD, department chair and professor of biostatistics at Yale School of Public Health. Neurodevelopment, Risk Genes, and Mental Health Conditions - The Olfson Lab Joel Gelernter, MD, Foundations Fund Professor of Psychiatry, is interested in how different anxiety disorders differ genomically. “We are studying social phobia, panic disorder, and generalized anxiety disorder, working to understand why people differ in their risk to these specific anxiety disorders and evaluating various risk factors,” he says. Gelernter was recently involved in one of the largest studies to date of the genomics underlying anxiety disorder. The study included around 122,000 people with anxiety disorders and around 730,000 without. It found that some genetic differences associated with anxiety were linked to signaling that helps reduce overactivity in the nervous system. Many anxiety medications available today work by targeting this process. “It’s nice when the biology that you get out of a large genome-wide study ratifies things that we already know because that can help increase confidence in further findings from the study,” Gelernter says. Uncovering the neurobiology of psychiatric disorders John Krystal, MD, Robert L. McNeil, Jr. Professor of Translational Research and chair of the Department of Psychiatry, is interested in the neurobiology of psychiatric disorders, including post-traumatic stress disorder (PTSD), of which anxiety is a major symptom. In the late 1980s, Krystal’s team discovered that the drug yohimbine activated symptoms in patients with PTSD. “This was the first time we could link a specific biological mechanism to the symptoms of PTSD,” Krystal says. At the time, he adds, this finding was highly controversial. “A lot of people felt that PTSD was a purely psychological syndrome that didn’t have an underlying biology.” Since then, Krystal has dived deep into understanding the neurobiology of PTSD to learn how to better treat it. His team is evaluating the use of ketamine and psychedelics. These would be among the first treatments to be developed specifically for PTSD. They may also be applicable for other disorders including anxiety disorders, Krystal adds. An important gap in PTSD treatment is the absence of biological tests that inform how to best help patients manage their PTSD symptoms. A doctor doesn’t diagnose cancer based on how they feel. Rather, they use tests of the biology of the cancer to determine the best course of treatment. “And we can’t do that in any psychiatric disorder other than Alzheimer’s disease,” Krystal says. “But now we are building a foundation for this approach to the treatment of anxiety disorders for the first time.” Source: Yale School of Medicine
Bob Kustra and Jenny Kustra-Quinn: The time for keeping beluga whales captive for our entertainment has passed
There is no legitimate reason for us to deprive belugas of the right to flourish.
49ers Handed Intriguing Take on Vita Vea After Defeating Broncos
The San Francisco 49ers sit at 4-0 through four weeks, and the trade deadline is on Nov. 10, but if the team keeps playing like this, it’s clear they’ll be buyers looking to improve.Wide receiver and the defensive line are two areas of concern for the Niners given the injuries and lack of depth. On […] The post 49ers Handed Intriguing Take on Vita Vea After Defeating Broncos appeared first on HEAVY.
DCCC names Pearson to ‘Red to Blue’ class in effort to hold TN-9: Exclusive
The DCCC added Justin Pearson to its Red to Blue program, hoping to defeat Republican Brent Taylor and keep control of TN-9.
Doctors Should Keep an Eye on Your Mix of Medication. If They Don’t, You Should.
There’s a term for reducing unnecessary or harmful drugs: “deprescribing.” Especially as patients age, experts say, it’s important to regularly review the medications they’re taking.
Seven-goal Clásico keeps Barcelona five points clear
Barcelona beat Real Madrid 7-0 in Liga F on Sunday, with Clàudia Pina scoring four goals to extend the Blaugrana’s perfect start and open a five-point lead at the top. The Guardian reported that mo...
DC performers, businesses grapple with impact of Kennedy Center closure
Following the Kennedy Center closure, businesses and arts organizations are taking financial hits as well as struggling to continue keeping their respective fields and organizations afloat.
George Kittle now ranks fourth in 49ers all-time TDs
George Kittle keeps moving up the 49ers record books.
Colorado football's quarterback carousel keeps going round and round
Deion Sanders struggles to find a consistent signal-caller as schematic failures and shifting offensive identities force another benching, leaving the Buffaloes searching for a desperate spark against Utah.
76ers' Scrimmage Shows Fans There’s Plenty To Be Excited About
The Philadelphia 76ers had a scrimmage that showed some flashy highlights. But, there's some important things that happened that should keep everyone in high spirits.
At San Francisco General, researchers are learning how to control HIV without drugs
Doctors at San Francisco General Hospital's famed AIDS clinic have shown the immune system can be primed to keep the virus in check — a promising advance just as U.S. funding cuts threaten future research.
Pakistan: Imran Khan supporters demand ex-PM's release
Thousands of Imran Khan supporters have begun a trek to Islamabad to demand he be freed as Pakistan's political leadership remains in deadlock. The government has set up roadblocks to keep protesters at bay.
Ben Johnson’s Calm Logic Keeps Overriding the Noise
Most coaches would have just stuck with Case Keenum. After a near-perfect Monday Night Football performance — 247 yards, three total touchdowns, and a 27-7 win over the previously unbeaten Eagles in his first start in more than 1,000 days — riding the hot hand felt like the obvious move. Ben Johnson didn’t make it […] The post Ben Johnson’s Calm Logic Keeps Overriding the Noise appeared first on HEAVY.
Bayern join Real Madrid and Arsenal in monitoring Kenan Yildiz
FC Bayern Munich are apparently keeping a close eye on former Campus academy product in Kenan Yildiz of Juventus.According to the Corriere dello Sport, the record champions are closely monitoring the ...
Amazon Launches Early Prime Day Discounts on AirPods, iPad, MacBook Air, and More
Earlier this week, we began tracking early Prime Day deals on Apple-related accessories, and today Amazon has introduced major early deals on Apple products as well. This includes AirPods, iPads, MacBooks, and more, all available at some of the lowest prices of the year so far. Note: MacRumors is an affiliate partner with Amazon. When you click a link and make a purchase, we may receive a small payment, which helps us keep the site running.
California agencies use confidentiality agreements to keep some Bay-Delta science secret
California state agencies have quietly been using confidentiality agreements to keep some scientific data and discussions behind the Newsom administration's updated Bay-Delta plan a secret, raising concerns about transparency in the rule-making process.
Three takeaways from UNC’s home loss to Notre Dame
Maybe there’s more to this team than we previously thought, but is it enough to keep the heat off Bill Belichick?
Liverpool Show Transfer Interest In Sunderland Youngster Amid EFL Loan
Sunderland goalkeeping product Matty Young has reportedly become the subject of transfer interest from Premier League giants Liverpool.
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.
Julian Hall scores AGAIN as USMNT stun Mexico
By MLSsoccer staffJulian Hall keeps on rising to the occasion during his first US men's national team camp.Red Bull New York's star forward opened the scoring in the USMNT's 3-0 defeat of arch-rivals ...
OPEC+ agrees to keep November oil output targets steady
By Ahmad Ghaddar, Alex Lawler and Olesya Astakhova LONDON/MOSCOW, Oct 4 (Reuters) - OPEC+ agreed to keep oil production targets steady for November at a meeting on Sunday, the producer
13 Cool New Gadgets to Keep on Your Radar
Catching you up on the past week’s most notable product releases.
Mike Evans Injury Update: 49ers WR’s Week 4 Status Revealed
Mike Evans suffered a rib injury midway through Week 3's shootout against the Arizona Cardinals, but it might not keep him from suiting up in Week 4. Originally entering the league as a first-round pick in the 2014 NFL Draft, Evans spent most of his career with the Tampa Bay Buccaneers and established himself as …
Liverpool bid launched after Arsenal and Chelsea transfer decision
Reds facing fight to keep hold of Giovanni Leoni
Meet moms who make it their business to keep university students feeling right at home
From Alabama to Auburn to universities around the country, concierge services that cater to college students are finding success.
Your Samsung Gallery app finally syncs with Google Photos — how to set it up right now
Samsung Gallery has moved on from OneDrive to Google Photos. Here's how to set it up to keep your photos backed up.
How do I keep checks from being stolen in the mail?
Dear Liz: In response to a reader whose check to the IRS was stolen from the post office, you (again) warned readers that mail theft and check fraud have soared and that electronic payments are now the safest way to send money.
Liverpool keeping tabs on Barcelona midfielder Bernal
Liverpool and Atletico Madrid are keeping tabs on the situation of Barcelona midfielder Marc Bernal.The teenager is set to assess his future should his minutes not increase under Hansi Flick, having b...
Eagles rookie storylines for the Rams game
Keeping an eye on Philadelphia’s 2026 NFL Draft picks.
Kyle Shanahan explains why 49ers keep welcoming back former players
Deebo Samuel, Dre Greenlaw and Dante Pettis all returned to the 49ers after spent at least the past season on other teams.
iPhone Owners Turn Off This Setting To Save Battery Life
The Background App Refresh on iPhone keeps your apps updated with the latest information before they are opened, which is nice, but it drains the battery.
Fulton County pairs deputies with mental health clinicians to help keep people in crisis out of jail
When a person is experiencing a mental health crisis, a call for help can bring law enforcement to the door. But in Fulton County, a new team is giving deputies another option before someone ends up in jail.
Fulton County pairs deputies with mental health clinicians to help keep people in crisis out of jail
TST Best Bets: October 3, 2026
Mississippi State gets a chance to show how far it has come Saturday, welcoming No. 7 Alabama to Starkville for a matchup of unbeaten SEC teams. Kamario Taylor has helped turn the No. 16 Bulldogs into an early surprise, but keeping up with the Crimson Tide will be their biggest test yet.Over in the Big Ten, No. 14 Iowa returns home after its dramatic win at Michigan to face No. 6 Ohio State. The Hawkeyes will lean on their defense again, this time trying to slow down Julian Sayin and Jeremiah Sm
David Jolly clears $1M raised in a week with help of matching funds, but can't keep pace with Byron Donalds
It's now or never if national Democrats want to flip the Governor's Mansion.
NVIDIA Raises Shield TV Pro Price to $299, Discontinues Standard Shield TV
NVIDIA has raised the price of the Shield TV Pro from $199.99 to $299.99, effective October 2. The streaming box launched in October 2019 at $199.99 and held that price for almost seven years. Earlier this year, NVIDIA promised to keep updating the Shield TV, with hardware engineering SVP Andrew...
Ocean chemistry on ancient Earth could help scientists search for life on alien worlds
A new look at ancient rocks suggests that a self-sustaining nutrient cycle in ancient oceans helped keep Earth's atmosphere rich in oxygen for millions of years.
White Sox vs. Guardians: Two Keys to Winning the ALDS
The White Sox face a familiar rival in Cleveland as they look to keep their magical postseason run alive and advance to the ALCS. Here’s how they can do it.
NYC restaurant inspectors scored these among the worst for week of Sept. 21
Here's a look at the inspection results from eateries across New York City from Sept. 21-25.
Pau Cubarsi opens up on Barcelona pressure, mental health and life as a teenager: ‘You have to keep fighting’
Pau Cubarsi has opened up about the demands of becoming a Barcelona first-team player at such a young age, explaining how psychological support helped him during the early stages of his breakthrough.T...
Juventus keeping tabs on Brentford defender Michael Kayode
Juventus are keeping tabs on Brentford defender Michael Kayode as the Serie A giants look to bring more Italian talent into their squad, according to La Gazzetta dello Sport.Bianconeri chief executive...
Sandy's Fine Food Emporium's new owners keep it a family business
WESTERLY — A new chapter in the story of Sandy's Fine Food Emporium — the local, family-owned market at 15 Post Road — began this week as Sandy’s approaches its
North Huskies take down Vincennes
EVANSVILLE, Ind. (WEHT) — The North Huskies beat Vincennes, 34-17 on Friday. The Huskies will look to keep the wins coming when they face Jasper next week.
Football Frenzy 10/02
NORTHEAST KANSAS (KSNT) — Week 5 of the high school football season is in the books. Send final scores to Kole.Emplit@ksnt.com and Sydney.Clark@ksnt.com. 6A 5A 4A 3A 2A 1A 8-Man For more sports news, click here. Keep up with the latest breaking news in northeast Kansas by downloading our mobile app and by signing up for […]
Culture refocuses attention on the Palestinian cause: ‘It has always been central to political struggle’
Musicians’ tours, film festivals and literary forums keep the flame for Gaza alive and spark debates about the limits of free expression and the concepts of censorship and cancellation
FBI gives employees a classified 'Patel Report' about times the agency 'fell short'
The document's existence is in keeping with Director Kash Patel's vocal criticism of the leaders who preceded him
Apple changes full-disk access permissions to curb abuse from AI agents
Meta says FDA isn't sufficient to Muse reading messages. Apple begs to differ.
Trump heads back to Texas on Wednesday as GOP fights to keep state red
Texas, long a safe Republican state, has emerged as a top battleground in midterm races up and down the ballot — but especially in the U.S. Senate race.
The ‘WarGames’ Problem: Computer Science Has Long Understood What It Takes to Keep AI Under Control
The AI hacking events involving OpenAI, Anthropic, and Google underscore lessons that draw on years of computer science research.
Scouting Patrick Mahomes : Las Vegas Raiders Chiefs Week
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Neto: ‘Juventus changed a lot, positive Spalletti impact’
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Security Camera Health: How to Keep Cameras Performing
Improve security camera health with ongoing assessments that identify image issues, guide maintenance, and help keep video usable.
Analysis | How Trump keeps embracing AI
And what else happened this week under his administration.
Apple’s Flirtation With Surveillance Tech Could Put Its Reputation to the Test
Will you care if Apple devices see and hear everything, so long as they don’t actually keep the video or audio?
Only one browser has this really helpful search tool
This is great for experimentation with a different search site, keeping a particular search out of your history at your usual site, or giving yourself a break from AI-first answers.
The Mindsets Leaders Need as AI Accelerates the Pace of Business
AI is changing not only what leaders need to know, but how they need to think. Yet many are struggling to adapt to the speed, uncertainty, and emotional complexity of an AI-driven workplace. To keep pace, you need to shift the mindsets that shape your behavior in three important ways: from certainty to clarity, from expertise to exploration, and from emotional control to emotional insight. A simple four-step practice—pause, perceive, pivot, and practice—can help you start to recognize and change automatic reactions. By deliberately reshaping the assumptions and patterns that guide your behavior, you can become more adaptable, curious, and effective as the nature of work continues to change.
6 Drinks for Better Joint Health, According to a Dietitian
Joint health is essential for staying active without pain. These seven drinks provide anti-inflammatory nutrients that may help keep your joints working well.
Carlos Alcaraz Is Whining About the ATP Schedule, Again
Carlos Alcaraz has been whining about the ATP schedule again, so naturally I am now going to whine about Alcaraz whining about the ATP schedule. Somebody has to keep this cycle going. In fairness to Alcaraz, the central argument is hardly ridiculous. Professional tennis has a calendar problem. The season stretches across almost the entire …
Are we getting closer to bringing people back after death? Inside the science of resuscitation
For most of history, a heart that stopped beating marked the practical end of life. Modern medicine has changed that. CPR can keep blood moving, defibrillators can restart certain heart rhythms, machi...
After turmoil, South County Health lands Mayo Clinic deal
South County Health joins Mayo Clinic’s network, giving RI patients access to top specialists and resources while keeping local control.
10 Healthy Brain Habits To Keep Your Career Sharp This Fall
As autumn days become shorter, 10 brain health habits keep your thinking sharp and give your brain the same care you give to your heart, lungs and digestive health.
Opinion: As AI political deepfake advertisements go viral, state lawmakers struggle to keep up
Opinion from Stefani Langehennig: Imagine watching a political campaign video in which a candidate admits to taking a bribe. You recognize the face and voice. But the confession is entirely fabricated, thanks to artificial intelligence.Now imagine that your state has passed a law against these AI-generated election deepfakes. Would that mean the video has to be removed from the airwaves?
Pedro Neto and Portugal keep rolling amid Cristiano Ronaldo drama
Thursday internationals
Bellevue business loses dozens of beehives to flooding
Beekeeper loses dozens of hives and bees to flooding
Jadarian Price unable to practice
Chest injury keeps Jadarian Price on the sidelines Thursday
Mike Evans remains sidelined
Injured ribs keep San Francisco 49ers WR Mike Evans out of action
Baker Mayfield not practicing
Thumb injury keeps Tampa Bay Buccaneers QB Baker Mayfield sidelined
Harry Cohen grows bipartisan support with nod from Suzy Lopez
'Our residents expect us to work together to keep their families safe.'
50 children in our area hit by cars every year; toxic pond water in Centennial Park; ‘gas station heroin’; plus other stories with Vanderbilt Health sources
In a news report following a Murfreesboro child who was killed by an automobile, reporter Amber Jayanth from WSMV Channel 4 News cited statistics gathered at Monroe Carell Jr. Children’s Hospital at Vanderbilt about pediatric pedestrian injuries. Trauma registry data from Monroe Carell indicates that about 50 children per year on average are treated after being hit by a car. William Schaffner, MD, Professor of Preventive Medicine, was quoted by several news outlets about public health issues, including: CNN (mRNA flu vaccine); ABC News and the American Journal of Managed Care (Pennsylvania measles outbreak); News Channel 5 (blue-green algae in the pond at Centennial Park, which can release toxins that make people and pets sick). WSMV Channel 4 News interviewed Saumya Aujla, MD, Assistant Professor of Clinical Physical Medicine and Rehabilitation, about the health risks of kratom, sometimes called “gas station heroin,” and why Tennessee banned the drug. WTVF News Channel 5 interviewed Brianna Smith, MD, Assistant Professor of Pediatrics, Hematology/Oncology at Monroe Carell Jr. Children’s Hospital at Vanderbilt for a piece on Childhood Cancer Awareness Month. Prevention interviewed Mitchell Gigandet, MD, Assistant Professor in the Neuro-Sleep Division, for a story about MDPI research on caffeine that used EEG imaging to see how the drug impacts sleep. It was found that caffeine may make sleep less restorative even when you fall asleep normally and stay in bed for eight hours. The Wall Street Journal reporter Laura Landro interviewed Joseph Schlesinger, MD, Professor of Anesthesiology Critical Care Medicine, for a story about ICU alarms keeping patients from getting sleep and creating alarm fatigue for nurses. Billboard reporter Melinda Newman interviewed country star Dasha about her upcoming vocal surgery at Vanderbilt Health. The story was picked up by numerous print and radio outlets including People.
Ed Sheeran told Bono he didn’t want to get into politics when collaborating on song about Ukraine war
The U2 singer said that Sheeran told him: “I just want to keep my thing free.”
Jets Backfield Remains Solid Despite Breece Hall Injury
Even with Breece Hall on the week-to-week list, the Jets have the depth to keep their ground game moving against the Bears this Sunday.
Allowing remote access to WIC nutrition, health benefits could keep more children enrolled | Harvard T.H. Chan School of Public Health
Allowing families to recertify their WIC eligibility remotely helped keep more kids in the program, according to a new Harvard Chan School study.
Physicists unveil the most accurate atomic clock ever — and it could literally redefine the second
Physicists have used radioactive lutetium to create what they say is the most accurate atomic clock ever, keeping time perfectly up to 19 decimal places.
Raptors Lock Up Young Point Guard Before Preseason Opener
Toronto is betting on the guard who never missed a game last season, and the new deal keeps him around for years.
Manufacturing Depends on Logistics to Keep Supply Chain Moving
When JBE Inc. opened in Hartsville in 1982, the “old school manufacturing company” was mainly working with metal — clinging it, grinding it, whatever the manufacturing companies the subcontractor served needed. More than 40 years later, the...
Scientists, fishermen want feds to keep funding deep-ocean observation system
New England scientists and fishermen are urging the Trump administration to continue funding the Ocean Observatories Initiative — a network of hundreds of buoys and gliders that collect data from remote parts of the ocean. The National Science Foundation began quietly dismantling the deep-ocean observation system last summer, until the effort was blocked by the U.S. Senate
Apple TV just added a bunch of free classic movies, here’s everything new
Apple TV keeps adding new batches of classic movies to kick off each month, with 13 fresh films available free for subscribers today.
Midtown Costco set to close, reopen as business center
Costco has committed to keeping the Midtown pharmacy open during the conversion.
Amanda Peet reveals 'weird' breast cancer symptom
Amanda Peet's advice for protecting your health? Keep an eye out for the warning signs.
Science on Repeat, Peat, Peat
Scientists and Knowledge Keepers, industries, and communities are all seeking answers—and finding even more questions—buried in carbon-rich wetlands.
Dave And Buster's Entertainment (PLAY) Stock Sees Fair Value Cut As Turnaround Questions Persist
The fair value estimate for Dave & Buster's Entertainment has been cut from US$17.00 to US$13.00, which represents a reduction of about 23.5% in the price target. Analysts are clustering around this lower range as they reassess how much weight to give the turnaround story against concerns about sales mix, margins, and execution. As you read on, you will see how this shift fits into the broader analyst narrative and how to keep track of where the story goes next. Stay updated as the Fair Value...
Candidates keep Iowa’s 4th District debate civil despite policy differences
Republican Chris McGowan and Democrat Dave Dawson disagreed on several issues but also found common ground during their first major debate of the election cycle, hosted by KTIV in Sioux City.
What type of jacket to buy to keep yourself warm this winter
Warmth isn't about puffiness or price. Learn the three physics principles — trapped air, wind block and breathability — behind a truly warm winter jacket.
Matthew Golden Left Heartbroken by Tough Packers News
The blows just keep on coming to Matthew Golden and the Green Bay Packers, who are only 1-2 after three weeks of the 2026 NFL season. Even in their lone win thus far against the New York Jets in Week 2, the Packers didn’t look particularly convincing, and making matters worse was the neck injury […] The post Matthew Golden Left Heartbroken by Tough Packers News appeared first on Gridiron Heroics.
Amazon Refreshes Kindle, Kindle Paperwhite, and Kindle Colorsoft E-Readers With Flush Screens
There are also fun new colors and two page-turning accessories—a wireless remote and a cover case—that keep the e-reader fresh.
Audible's new features let you explore book worlds — and use AI to talk to characters
Audible is rolling out new features that help listeners keep track of characters, explore places and imagery mentioned in books, and even interact with characters using generative AI.
Inter After Napoli Duo and More Future Free Agents
Inter pressed pause on Bosman signings for a couple of years to keep their payroll and ancillary costs in check and rejuvenate their squad. However, they resumed such a practice last summer, bringing ...
Dodgers notes: Offense, Freddie Freeman, Miguel Rojas
As the Los Angeles Dodgers await the outcome of the final game between the Philadelphia Philles and Atlanta Braves to see who they will face in the NLDS, the team is busy working on keeping their bats and arms fresh and ready for the road to a three-peat that lies ahead. As Bill Plunkett of […]
Time lost to political haggling means lost momentum for research
While it’s not up to universities to set deadlines for EU institutions, “lost time” in the run-up to the launch of the next Horizon Europe would translate into “lost momentum” for universities, according to Dag Rune Olsen, president of the Young European Research Universities Network.“I think it's important to have [the EU budget] in place in order to be able to work on the research funding mechanisms, because we cannot afford to lose more momentum than we already have,” Olsen told Science|Business in an interview in September, just after EU research lobbies gathered in Brussels to push for a €200 billion budget for the next Horizon Europe programme.A funding gap would mean ramping down research activities, said Olsen. “You can do that quite swiftly, that’s not a problem, but ramping up again is much more difficult.”The last-minute push for an ambitious budget, and for a timely adoption of the research programme, comes at a time when the richest EU states have teamed up to call for significant cuts to European Commission’s proposal for the next multiannual budget, which allocates €175 billion for Horizon Europe. At the same gathering of research associations in September, the European Parliament’s budget rapporteur warned that the EU will need to raise its own taxes, otherwise political pressure and tighter national budgets will translate into a limited EU budget with a less ambitious envelope for research. The research sector hopes EU institutions will reach timely agreement on the budget and on Horizon Europe, but progress has been slow. Legislative progress has been delayed, partly because the European Parliament’s budget committee is still haggling over how to apply new EU-wide spending rules, known as the Performance Framework Regulation, and partly because EU governments have yet to agree on the size of the next EU budget. EU research Commissioner Ekaterina Zaharieva told Science|Business in July that she was hoping for an agreement on Horizon Europe by the end of 2026, but the timelines have been pushed back significantly, with the Parliament now aiming to announce its official position on Horizon Europe only in November. Avoid the funding gapAccording to Olsen, delayed EU funds could prompt universities and researchers to move on and do something else, potentially jeopardising years of work building consortia and collaborations. “If funding is interrupted, the networks fall apart in just a few months,” he said. Olsen also noted that an interruption would affect junior researchers first. PhD students and postdocs are on shorter term contracts and universities risk losing them if funding for EU projects is interrupted. Related articlesEU own resources ‘essential’ for future research budget, says leading MEPParliament haggle over EU-wide spending rules delays vote on Horizon EuropeZaharieva hopes for a Horizon Europe deal in 2026Universities usually have more employees, permanent and short-term staff, than they can cover with national funding, and external funding is essential to keep them all on the payroll. In case of an EU funding gap, “there will be a huge number of people that might end up without any contracts,” he said. Apart from the money issue, Olsen said EU projects forces universities to collaborate more which, in turn, increases the quality of teaching and research. In case of a funding dip, people will look around for opportunities elsewhere, in the private sector or abroad. “And then then you have to recruit again, and it's a tedious business,” said Olsen. “A gap is not a good idea, it's actually a waste of money.”According to Olsen, the difficult political context should encourage universities to make a stronger case for the EU increasing research funding, as universities can deliver on competitiveness, technological sovereignty, security and defence. “The reason why we ask for substantial investments in research is exactly what the Commission, what Europe, the Parliament have been discussing,” he said. “You really need to invest in order to thrive in the longer run.”Focus on the member statesBut EU and national R&D expenditure hasn't kept up with the times. EU governments have failed to reach a spending target set almost 25 years ago. Only six EU countries spend 3% or more of their GDP on R&D. Asked whether universities should put more effort into convincing the governments to ramp up their own spending, but also to support a strong budget for Horizon Europe in the ongoing budget negotiations, Olsen said “the answer is yes.”“We are very actively encouraging our members to talk to their ministries in order to enlighten them about the joint effort,” he said. The network is made up of 25 universities from across Europe, all established in the past 60 years or so.Who will call the shots?Budget and timing issues aside, the Parliament’s research committee has been locked in behind-the-scenes negotiations over the future structure of Horizon Europe, with MEPs disagreeing on the degree to which its collaborative research should be governed by councils of experts.The European Parliament’s lead rapporteur on Horizon Europe wants councils of independent experts to decide on the funding agenda, but the Commission, the Council, and parts of the Parliament disagree. For Olsen, it is normal for politicians to point at the big challenges, but when they start detailing how those challenges should be solved, the endeavour “fails utterly.” He does not necessarily think that “bureaucrats who don’t know the field” would be “much better at it” either. “There has to be a combination” of broad political directions and bottom-up implementation, Olsen said.
Proposed 2027 Amherst budget includes 6.9% tax levy increase
Town Supervisor Shawn Lavin said this increase is a way to keep essential services funded through the $188 million budget.