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Results for " Kit " 906 found 🔀 AI-powered Shuffle

Altour's Boult: Rising Travel Costs a 'Permanent Phenomenon'

Travel costs will continue rising into 2027, though more slowly than earlier this year, according to the annual GBTA-Altour forecast. Altour chief commercial officer Michael Boult spoke with BTN's Michael B. Baker about the findings, why travel buyers should expect little relief from higher prices in the near term, and why policy might not be the answer.

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Sep 9 • 12:00 AM EDT • Business • businesstravelnews.com
Home-based bread business Golden Grain opens first Worcester café

Golden Grain Artisanal Bread Café, which began in a family kitchen in 2024, is opening its first brick-and-mortar location at 250 Commercial St. in downtown Worcester

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Sep 8 • 11:13 PM EDT • Business • theworcesterguardian.org
Recent 49ers moves hint towards George Kittle return

The possibility of George Kittle playing in the San Francisco 49ers' Week 1 game against the Los Angeles Rams is still up in the air. But based on recent moves, the stars are aligning towards a potential return.

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Sep 8 • 7:45 PM EDT • Sports • sports.yahoo.com
People in Wausau work to build mental health wellness kits

100 kits are being made with tools and resources to support mental well-being.

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Sep 8 • 7:31 PM EDT • Health • wsaw.com
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Nick Bosa, George Kittle limited participants in practice
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Sep 8 • 6:44 PM EDT • Sports • sports.yahoo.com
Hackers breach F5 BIG-IP APM devices to deploy Linux rootkit

A Linux rootkit targeting devices in F5 BIG-IP APM environments can intercept PHP file loading and inject a fileless web shell directly into memory, avoiding the need to write malicious code to disk.

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Sep 8 • 4:08 PM EDT • Technology • bleepingcomputer.com
Third kit to debut against Fluminense

The debut of Galo’s third kit, in orange, will take place in next Saturday’s match (12/9), at 4:00 p.m., against Fluminense, at Arena MRV. The match will be valid for the 27th round of the Brazili...

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Sep 8 • 3:10 PM EDT • Sports • sports.yahoo.com
Northrop Grumman lands defense contracts worth $1.37B

Falls Church-based defense supplier Northrop Grumman landed two major military contracts collectively worth $1.37 billion.

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Sep 8 • 3:05 PM EDT • Business • virginiabusiness.com
How to watch the Seattle Seahawks opener against New England

The reigning champions take on the New England Patriots in a Super Bowl LX rematch to start the season, with a unique Wednesday game. Here's why.

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Sep 8 • 2:12 PM EDT • Sports • sports.yahoo.com
This Russian River Home on the Market Was Built for Entertainment

Built in 1994 and rooted in traditional style, the home includes a pool, outdoor kitchen, island-style bar, wine cellar and vineyard.

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Sep 8 • 1:39 PM EDT • Entertainment • sonomamag.com
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OM System PEN Camera Pre-Order Available at Amazon US

The upcoming OM System PEN camera is now available for preorder at Amazon US here. OM SYSTEM PEN preorders Product Description OM SYSTEM PEN is a compact interchangeable-lens camera for travel and everyday photography, designed for people who want high image quality and creative flexibility without carrying a bulky kit. At just 393g, its easy-to-carry…

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Sep 8 • 1:08 PM EDT • Technology • 43rumors.com
Kit Leak: Germany’s first Nike away kit could be green

Nike turns to German football tradition with a striking green and black colorway for the DFB men's national team.

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Sep 8 • 10:30 AM EDT • Sports • sports.yahoo.com
Official: Roma unveil Adidas third kit

AS Roma has unveiled the official third jersey for the 2026-2027 season. The kit’s design celebrates the Roman Fides, a virtue and symbol of loyalty for the team and its fans, and will be available ...

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Sep 8 • 4:05 AM EDT • Sports • sports.yahoo.com
George Kittle "in good shape" to play season opener
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Sep 7 • 11:16 PM EDT • Sports • sports.yahoo.com
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Le Creuset x Star Trek Collection: Prices, availability, release date

Vulcan oven mitts, spaceship baking dishes, and an out-of-this-world communicator grater—you'll need warp speed to Klingon to this limited edition kitchen kit, ideal for perfecting the broth of Khan.

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Sep 7 • 7:00 PM EDT • Technology • wired.com
George Kittle at practice Monday

San Francisco 49ers TE George Kittle (Achilles) was at practice Monday.

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Sep 7 • 11:50 AM EDT • Sports • sports.yahoo.com
Rob Reiner wins posthumous Emmy for role in ‘The Bear’

Nine months after his tragic death, Rob Reiner has received a posthumous Emmy for his performance in FX’s kitchen drama “The Bear.”

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Sep 7 • 8:01 AM EDT • Entertainment • cnn.com
Health Centre Rosenthal / kit

Completed in 2021 in Switzerland. Images by Ruedi Walti. The Rosenthal Health Centre translates the spatial qualities of a village into a contemporary setting for care, healthcare, and assisted living,...

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Sep 7 • 2:00 AM EDT • Health • archdaily.com
The core anti-Pangram constituency is phony writers

Welcome to The Closing Argument, our verdict on the news, plus everything The Argument published and appeared in this week. The Verdict, by Kelsey Piper A lot of people hate AI for drowning the internet in slop and displacing human creatives. You might think that these people would be thrilled by a program that can identify and flag AI-generated work. But many people who hate AI also hate Pangram, an impressively accurate AI detector that produces very few false positives, according to high-quality independent research. This loathing found its most recent expression in a bizarre Wired article that amplifies a wide range of false arguments from Pangram skeptics: that AI detectors are racist (they’re not) or ableist (they’re not)1 or don’t work (this one does)2. Rather than starting from the premise that it would be really valuable to have a working AI detector and scrutinizing Pangram to make sure it lives up to that promise, the article starts from the premise that Pangram obviously has bad vibes and sets out to discover why. (One answer: The CEO microwaved lunch during an interview!) Why aren’t writers who resent Pangram more eager to distinguish themselves from posters who are having ChatGPT ghostwrite all their work? There are a few different things at play, but I think one key dynamic is this: These are often the same people. A core constituency for arguments like Wired’s is “writers” who are using AI to write their posts but resent this fact being made public. They stand to lose from AI detectors because AI detectors call them out. Share When Substack announced a partnership with Pangram, a sizable fraction of the platform’s authors rose up in outrage. Some people had experience with other AI detectors that didn’t work, and some felt that AI writing ought to be encouraged — both of which are fair enough. But the fury was fueled by authors passionately insisting that Pangram kept wrongly accusing them on almost every post they published. Pangram can be wrong, especially on short passages. But in the overwhelming majority of cases where Pangram looked at a whole blog post rather than a single paragraph, the program correctly detected work as AI. Even if we can’t be 100% sure in any individual case, we can notice the trend in the aggregate. Wired quotes Sam Illingworth, a professor of critical AI literacy at Edinburgh Napier University, who said, “I don’t think [AI detectors] work. … I think that detectors are prejudiced against certain people.” This spring, he said that he used AI for research and editing; this summer he acknowledged that in addition to research and editing, he also uses it “now and then for a turn of phrase I keep.” Pangram informs us that most of his posts are 100% AI-written (some are mixed AI-and-human) and that 100% AI-written posts started appearing last year. The favorable interpretation is that, as someone whose recent work Pangram consistently mistakes for AI, Illingworth sees Pangram’s flaws firsthand. The unfavorable interpretation is that the tool’s credibility trades off against his own, because its account of who writes his posts is not consistent with his. Illingworth is not alone in insisting the detector does not work. “It’s a Monday night in late July, and I’m pasting my own Substack draft into an AI detector for the first time. Not because I’m worried. Because I’m curious. I wrote every word of it myself, the way I write everything, out loud in my head first, in a rhythm that still carries the accent of a language I learned to think in before I learned to write in this one,” begins one Substack post by an author indignant that Pangram flags her writing as AI. “That’s the part I had to sit with before I could write this.” If you, like me, have worked with AIs a lot, you won’t even need Pangram there. The author of that piece is AI. It is obviously AI! I checked 10 other posts on the blog, and they were also obviously AI! “I have spent 22 years as an award-winning author and essayist. And now this bullshit tool that learned from MY writing is going to accuse me of plagiarism,” popular Substack writer Carlyn Beccia wrote in an anti-Pangram post. “For the last and final time, AI DETECTORS DO NOT WORK.” Here’s what her writing sounded like in 2020: “Most success stories revolve around one person who believed enough in you to say — give it a try. We call these people muses, but they are so much more than that. They are the strong man giants whose shoulders we stand on so we can see the horizon. Throughout the editing process, I am sure my editor felt less like a giant of greatness and more like Atlas with the world on her shoulders.” Pangram says it was 100% human-written. (So were other articles of hers in 2020.) And here’s what it sounds like now: “And then there is the reshuffling, which sounds like paperwork until you remember that empires have always loved paperwork. The Trump regime recently moved special education oversight from the Education Department to HHS. That is not a minor bureaucratic transfer. It changes the frame.”3 Pangram says this is mostly AI. I am not convinced that Pangram is wrong. In my own experience, Pangram is very effective on long texts — if it marks a long essay as AI, the essay was either written by AI or deliberately written to sound like AI. On tweet-length or paragraph-length texts, it’s not perfectly reliable. It seems to work just as well for non-native English speakers as for native speakers. While I have seen dozens of claims of pre-2022 text returning a positive result on Pangram, I have tried repeatedly to corroborate those and have never once succeeded. To be clear, I’m absolutely not saying that complaining about Pangram suggests a writer is a cheat. There are plenty of other concerns. Most are mistakenly premised, such as the false claim that Pangram trains on work you put into it, but others are reasonable: It’s unreliable on sufficiently short text segments; it creates an internet witch-hunt mentality when there are defensible uses of AI; people who are open about their AI use are sometimes blamed, when the only people really doing something wrong are the ones who hide it; and it isn’t perfect, so a single positive result shouldn’t be taken as decisive proof of misconduct. I’m happy to concede that Pangram is imperfect and possible to over-rely on. If an author’s posts are mostly non-AI and one scans as partially AI, this could be a mistake. It’s also possible to defeat Pangram with intentional effort. If you think we need something more robust and more reliable, fine! But if you don’t like AI and don’t like Pangram, your attitude really ought to be that it’s a shame that our existing tools for AI detection are imperfect, and it’s important to invent better ones. If your stance is instead that AI is evil and so is looking for AI, then ultimately you’re contributing to the sloppification of the internet. You’re making it harder for people who write their own text to distinguish themselves, and providing cover for authors who are definitely not writing their own text. Subscribe Top stories this week, by Kobe Yank-Jacobs Commentators often worry that the decline of reading could mean the decline of liberal democracy — but deliberative governance actually predated widespread literacy. This week, Maibritt Henkel pointed out that many liberal cultures thrive on a culture of raucous, interactive debate, which can happen in-person as easily, if not more so, than in text. Read on, dear reader, to learn more. It may actually cheer you up: [ ](https://www.theargumentmag.com/p/reading-wont-save-liberalism) [ Reading won’t save liberalism ](https://www.theargumentmag.com/p/reading-wont-save-liberalism) Maibritt Henkel · Sep 1 [ Read full story ](https://www.theargumentmag.com/p/reading-wont-save-liberalism) It used to be bad to downplay climate change (if we mean denying its reality). Today, it’s actually good to downplay climate change (if we mean keeping the issue out of political fights so we can make real progress). This counterintuitive view is called “climate hushing,” and contributor Alex Trembath argued that it’s the key to enacting good policy going forward. Get up to speed on the latest in climate politics: [ ](https://www.theargumentmag.com/p/we-wont-stop-climate-change-by-talking) [ We won’t stop climate change by talking about it ](https://www.theargumentmag.com/p/we-wont-stop-climate-change-by-talking) Alex Trembath · Sep 2 [ Read full story ](https://www.theargumentmag.com/p/we-wont-stop-climate-change-by-talking) Canada’s Prime Minister Mark Carney is standing up for the forces of liberalism against Donald Trump’s assault on our closest ally. So, why is one prominent left-wing commenter attacking Carney? Columnist Matthew Yglesias explains: [ ](https://www.theargumentmag.com/p/when-economic-liberty-means-central) [ When "economic liberty" means central planning ](https://www.theargumentmag.com/p/when-economic-liberty-means-central) Matthew Yglesias · Aug 31 [ Read full story ](https://www.theargumentmag.com/p/when-economic-liberty-means-central) 🌟Abundance Wins of the Week🌟 Shout out to my home state of California, whose legislature passed two housing bills this week. One requires a housing density minimum in transit-oriented areas of the state’s most transit-rich cities (Los Angeles, Sacramento, San Francisco, Oakland, San Jose, San Diego, and Long Beach). Another bill closes two common loopholes used by third parties to delay housing projects, including an opportunity to challenge maps of a given lot created by the developer after a project has been approved. Shout out to our big-state rival, Texas, where pro-housing SB 785 took effect this week. The new state law requires municipalities to have at least one district permitted for manufactured housing without a special permit. This will promote zoning changes in 44% of municipalities. The company Fervo Energy signed a deal with Google for what is set to be the world’s largest enhanced geothermal facility, proving a technology can work at a scale that could be crucial to a decarbonized, energy-abundant economy. Share Worth watching… This week, forecasting legend Nate Silver joined Jerusalem, Matt, and Jeremiah on a crowded episode of the pod. It was a party. And speaking of parties, our round table debated the factional lines within the Democratic Party: Is it possible to be center-left and also anti-establishment? Watch or listen to find out: The Rio Grande Valley in Texas is one of the areas that swung hardest toward Trump in 2024, but musician Bobby Pulido is running to flip it back. Right now, The Argument/Split Ticket’s model has him running 1.1 points behind his Republican opponent in a district Trump won by 18 points. Tune in to find out how he differs from national Democrats and what he thinks he can to do win this seat. On Thursday, Bernie Sanders was among the first politicians to call for a ban on superintelligence. My guest this week, Andrea Miotti, has been lobbying to ban superintelligence for several years, most recently in the U.K., U.S., and Canada. I asked him how he gets legislators to take speculative risks seriously, and we dug into what plans might look like to actually pass a ban. Listen to learn more: What’s News with The Argument The Argument recommends, by Kobe Yank-Jacobs If we ever lose track of Justin Zuckerman, I’ll have the team split up and check all the movie theaters in the city. I’m shocked (and a little jealous) at how often he gets out to see good cinema. This week, he brings us It Ends, a “horror-ish movie,” which he described as a “Gen Z Waiting for Godot.” I was intrigued before he added that it was “funny, dark and existential” — at which point I was fully locked in. I guess I also had existential themes on the mind this week. One morning, a single line from a poem I read long ago just came to me: “Is death a stretch of time in which a life is just a flash?” The poem is called “From 20,000 Feet” by Heather McHugh. I suggest the version in The Vintage Book of Contemporary American Poetry, which, by tradition, my best friend and I always bring backpacking, extra weight be damned. We’ll stay thematically dark for just one more rec from senior editor John Robert Thomason, whose upcoming trip to Baltimore reminded him to suggest Michael Clune’s memoir White Out (about being addicted to heroin in Baltimore in the 1990s). Ben Lerner’s blurb called it _“_Disturbing, brilliant, hilarious—it’s as if Proust had written Jesus’ Son.” John told me this “seems accurate, with the caveat that I’ve never read Proust.” I, personally, have also shelved Proust until retirement. At this point, I was a little concerned for the team since all of us tossed out such psychologically grim material — maybe we’re all down about the end of summer — but thankfully, at least a few of us were into more upbeat selections. Milan Singh recommended Made In’s 5-quart stainless clad saucier, suggesting he had some fun in the kitchen. Jeremiah Johnson asked if he could recommend yet more Carly Rae Jepsen. Once denied, he offered up Game Changer instead_,_ calling it “the most wildly creative game show, maybe in the entire history of the genre.” Eli Richman mentioned _Lucky, “_a B-tier show with an A-tier cast and an S-tier theme song.” I suppose he was recommending the song, Horns of a Bull. Still, despite these cheerier recs, I couldn’t help but be concerned that we were subconsciously worried about racing toward summer’s end — the end of swim trunks and splashing around. Then a message landed reminding me of the three-day weekend to come. A whole extra day for sunshine. One more swim in the lake. I was grateful this called to mind yet another line from a poem, one by Mary Oliver, the patron saint of every gorgeous summer day (and about whom a documentary is now out). Speaking to God in the poem “Thirst,” she wrote: grant me, in your mercy,a little more time. Love for the earthand love for you are having such a longconversation in my heart. We have merch! We have quarter-zips, keychains, hats, and stickers. Each one is a great conversation starter in its own way. Buy them here. Subscribe More to read: [ The Opening Argument ](https://www.theargumentmag.com/p/seeing-like-an-elite)[ Seeing like an elite ](https://www.theargumentmag.com/p/seeing-like-an-elite) Kobe Yank-Jacobs · Sep 4 What do Americans hear when they watch Sen. Bernie Sanders or Vice President JD Vance rail against the elite? Are they thinking of right-wing tech billionaires? Imperious college professors? Liberal magazine writers? [ Read full story ](https://www.theargumentmag.com/p/seeing-like-an-elite) [ The Weekly Scroll ](https://www.theargumentmag.com/p/god-is-back-on-the-timeline)[ God is back on the timeline ](https://www.theargumentmag.com/p/god-is-back-on-the-timeline) Jeremiah Johnson · Sep 5 This week, we’re talking about Substack’s new religious debates, the continuing MAGA influencer scandal, how to retire from YouTube, and aura battles. [ Read full story ](https://www.theargumentmag.com/p/god-is-back-on-the-timeline) 1 This was a legitimate thing to worry about, but doesn’t seem to be a problem given the actual technology: Marijke Van Vlasselaer, Filip Van Droogenbroeck, and Bram Spruyt’s 2026 paper looks at whether Pangram is less accurate when evaluating the work of non-native speakers of English. It isn’t. That’s because Pangram isn’t really looking at how “unusual” a piece of writing is but whether it has the characteristic patterns of LLMs. The Wired article makes an odd gesture at a different Pangram-is-racist argument. There were several controversies this summer during which upcoming books were canceled after being discovered to be AI-written: “The three novels mentioned earlier — Shy Girl, Daggermouth, and Call Me, easily publishing’s biggest AI-detection scandals — were all written by writers of color.” But come on! As Zvi Mowshowitz put it: “They were not primarily written by people of color. They were primarily written by AIs.” That’s the whole problem! And as my colleague Jeremiah Johnson recently observed with respect to Cambridge’s Arday scandal, a community being unwilling to call out fraud if it’s perpetuated by people of color is not an anti-racist tendency; it is ultimately quite racist. 2 Many non-Pangram detectors don’t work, but many possible airplane designs also don’t work, and no one considers this a general argument against aviation; the thing that matters is whether any detection works. 3 The phrase “empires have always loved” mysteriously became all the rage in the last few years. See here, here, here, here and here. Before 2025, the only use of that phrase I have been able to find is a single Tweet. The logic of the sentence, too, is incoherent in an AI-characteristic way. “...sounds like paperwork, until you remember that empires have always loved paperwork”? Does remembering that make it sound less like paperwork? It’s a craft-ful sentence, but what is it actually saying??

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Sep 6 • 6:05 PM EDT • Technology • theargumentmag.com
Column: How the brotherhood among Chicago’s young stars fuels our great sports town’s next wave

Caleb Williams leading the “PCA” chants from behind the Cubs dugout Thursday night at Wrigley Field reminded us of a time when the starting quarterback of the Bears was not so beloved. It was 14 years ago next week that TMZ reported angry Bears fans at Stanley’s Kitchen & Tap, a North Side restaurant, lit a Jay Cutler jersey on fire. The video showed former Blackhawks star Chris Chelios as one ...

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Sep 6 • 7:00 AM EDT • Sports • sports.yahoo.com
Heading off to college? Make healthcare a priority

Dr. Paul Mackarey: If you or your child are college-bound, it pays to be prepared for problems, with a first-aid kit, healthcare history and insurance file.

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Sep 6 • 12:00 AM EDT • Health • thetimes-tribune.com
Man struggling with mental health sentenced for stabbing Santaquin officer

Timothy Olesen will spend less than two year in jail and four years on probation for stabbing an officer with a kitchen knife who had responded to his call. The officer was wearing a vest that protected him.

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Sep 5 • 11:04 PM EDT • Health • ksl.com
Liverpool have another Hugo Ekitike and he's special

Liverpool have another exciting attacker who is special and who could be another Hugo Ekitike. It has been a disappointing transfer window for the Reds, which has put a lot of pressure on the Frenchma...

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Sep 5 • 2:35 PM EDT • Sports • sports.yahoo.com
Watch: Donny Osmond sings his ‘Mulan’ hit ... on a kitchen countertop

Even after 6 decades in the entertainment industry, Donny Osmond is still finding new places to perform his greatest hits

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Sep 5 • 2:20 PM EDT • Entertainment • deseret.com
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20 under-the-radar home and kitchen Labor Day sales 2026

Skip the generic mega sales. I found 20 secret home and kitchen Labor Day sales and secret bundle hacks at QVC, Le Creuset, Quince, and more.

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Sep 5 • 12:59 PM EDT • Business • businessinsider.com
I'm a nutritionist from Japan: 7 'essential' anti-inflammatory foods that I swear by

Japanese nutritionist and longevity expert Michiko Tomioka shares the inflammation-fighting foods that are always in her kitchen.

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Sep 5 • 11:30 AM EDT • Health • cnbc.com
What Kauaʻi and Niʻihau residents, visitors, businesses need to know about Hurricane Lowell

Now is the time to complete your emergency disaster and to-go kits, get your homes prepared for possible electric and water outages and know what resources are available.

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Sep 5 • 12:15 AM EDT • Business • kauainownews.com
White House arcade games spark criticism

The Trump administration launched a series of arcade-style games on the official White House website Thursday to tout its priorities — the latest turn in its aggressive online effort to troll Democrats that has at times surfaced racist and offensive images. CNN’s Kit Maher reports.

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Sep 4 • 3:44 PM EDT • Politics • cnn.com
'About average:' Maryland health officials warn about increase in rabid animal incidents

A dead fox picked by Baltimore City Animal Control is the latest in a series of rabid animals incidents across the state, including a rabid kitten bite, aggressive raccoon and bat encounters, and multiple beaver attacks.

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Sep 4 • 7:35 AM EDT • Health • wbal.com
KIER achieves world-record 26.7% efficiency in perovskite/CIGS tandem solar cells

The Photovoltaic Research Department of the Korea Institute of Energy Research (KIER) achieved a certified world-record efficiency of 26.7% for perovskite/CIGS tandem solar cells, opening a new chapter in next-generation thin-film photovoltaics. This achievement was officially certified by the Fraunhofer Institute for Solar Energy Systems (ISE) in Germany and listed in the Best Research-Cell Efficiencies Chart published by the US National Laboratory of the Rockies (NLR, formerly NREL).

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Sep 4 • 12:46 AM EDT • Science • eurekalert.org
SSM Health professionals assemble kits to help people experiencing homelessness

MADISON (WKOW) -- SSM Health physicians from across Wisconsin came together for a community service project to help people experiencing homelessness.

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Sep 3 • 6:17 PM EDT • Health • wkow.com
Think you need 10,000 steps a day? Science says otherwise

Granted, we typically recite the 10,000-step goal as if it is gospel, but whether you're clocking up the miles on your commute to work or walking around in circles in the kitchen last thing at night, the truth of the matter is, you might already be walking enough.

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Sep 3 • 1:24 PM EDT • Science • journal-news.com
Anker's New MindBase Home Hub Runs AI Locally, Doubles as NAS

Anker today announced the launch of Anker MindBase, an AI home hub meant to work with almost 100 Anker devices and Matter-enabled smart home devices from other companies. It works alongside HomeKit, and is equipped with an AI Core compute card and the on-device Anker TrueSmart AI Agent. In addition to working as a smart home hub, the MindBase supports up to 48TB of local storage, and it functions as a NAS. It can be used for storing files, photos, and videos locally.

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Sep 3 • 3:30 AM EDT • Technology • macrumors.com
Home sports competitions kick off at The Nest

Albany High hosted its first home sports competition of the 2026-27 season at The Nest on Tuesday evening as our boys' soccer team faced off against Schalmont! Our Falcons delivered a thrilling win, defeating the Sabres 4-0. Ahadi Wangya, Adam Rouse, Garnett Ngome Ekiti and Rajanie Morgan each scored a goal, with Ngome Ekiti also delivering an assist. Evan Bermejo recorded five saves for Albany to record the shutout. Come to Albany High tonight, Sept. 2, to pack the stands with Falcon fans! Our girls' tennis team will face off against Guilderland at 4:15 p.m. and our girls' soccer team takes on Berne-Knox-Westerlo at 4:30 p.m. Let's go Falcons!

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Sep 2 • 6:00 PM EDT • Sports • albanyschools.org
Free Educator Webinar: Refresh Your STEM Toolkit with NOVA

Looking for fresh ways to engage students and enrich your science curriculum this year?

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Sep 2 • 3:28 PM EDT • Science • pbs.org
August Monthly Review: ChatGPT In Epic

Death, taxes, another frontier lab healthcare launch inspiring truly insane LinkedIn takes. As much as I want to stay away, I repeatedly am the crewman unplugging his ears whenever we pass these sirens. So it’s not the first and probably not the last time we dial up the typewriter rather than tie ourselves to the mast. The full blow-by-blow timeline: Health API Guy is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe The End of the Standalone PHR (Jan 8): ChatGPT Health arrives for consumers, at the time powered by b.well. I was bullish on the approach in that the best way for the PHR to finally solve distribution was to meet consumers were they already are (i.e. When Horizontal Meets Healthcare (Jan 9): OpenAI for Healthcare puts out the shingle for enterprises, with SharePoint ingestion standing in for the EHR integration the product actually needed. Another One: Anthropic’s Healthcare Debut (Jan 16): Claude's version, on HealthEx rails instead of b.well, with Agent Skills for FHIR development as the one true vertical-specific investment. ChatGPT for Clinicians: The Trap Sprung (Apr 24): OpenAI filled in the missing GTM middle with a free product for verified clinicians, effectively peeling the enterprise wrapper off ChatGPT for Healthcare and taking the PLG fight directly to OpenEvidence. OpenAI’s Second Attempt at Health (Jul 31): a relaunch of their patient specific app, now branded Health in ChatGPT, where the privacy partition came out, the connectors thinned, and b.well disappeared in favor of first-party FHIR work against a smaller network Beyond a Shingle So what was announced now? Today, we’re introducing a new electronic health record integration that brings authorized patient context from Epic into ChatGPT for Healthcare, along with the Healthcare Public Data plugin for direct, structured access to official healthcare datasets like PubMed, DailyMed, and CMS Coverage. Together, these capabilities bring ChatGPT closer to the systems and sources healthcare teams trust, while supporting the controls and compliance healthcare work requires. The core portfolio is unchanged from prior announcements we delineated and discussed (aside from the relaunch of patient-facing). Since trade publications still seem to be confusing them by using the wrong names: Enterprise sales motion: ChatGPT for Healthcare Protecting their core product / PLG: ChatGPT for Clinicians Consumer/patient-facing product: Health in ChatGPT So really, this is a feature release (specifically for ChatGPT for Healthcare when it comes to EHR integration). What’s cool about it, though, is that we are moving beyond just putting out a shingle. Everything in the January enterprise launch was horizontalizable: Horizontal tech companies thus generally start verticalization with their “putting out a shingle phase”. Telling the world you’re open for business as a horizontal tech company reliably attracts early inbound interest from buyers who are already trying to force-fit horizontal tools into domain-specific workflows and are eager for any signal that the vendor intends to support their use case more directly. Nothing was really vertical specific, which is exactly what you'd expect from the ultimate hypergrowth horizontal company dipping their toes into specific industries. But eventually you have to stop changing the sign on the door and start changing the product. Can you guess where the horizontal product was going to run out of road? This is the core dilemma writ large: verticalization requires differentiation, while scale economics of consumer and horizontal push toward unification. I’ve buried the lede so deep here it will be painful to some readers, but what should be shocking to no one is that my perspective is that EHR integration is the only path that meaningfully resolves this tension for ChatGPT for Healthcare. Integration with Microsoft Sharepoint is fine, but it is categorically insufficient for any product that hopes to influence clinical decision-making. SMART Money Well here we are, eight months later! Real vertical investment has begun, which surprised a few people. One friend in the industry messaged me: “Absolutely no way Epic gave ChatGPT API access.” Looking forensically at the announcements, the integration is notably read-only across appointment notes, laboratory results, medications, and specialist documentation. So while I’m not a betting man, I'd wager the house this is a SMART on FHIR launch: That sounds a lot like USCDI! The recommended path for the workflow they outline would be SMART on FHIR Their Health AI lead’s post is evocative of both standalone and EHR launch SMART, which another termed “ChartGPT” and “EHR Plugin” The implementation burden for SMART on FHIR is the lowest of the available integrative paths This is the team who literally did patient-facing SMART on FHIR with Epic last month Most importantly, if you’re a horizontal company, you generally still haven’t taken the full plunge and thus (overly) value reusability. SMART on FHIR is the logical compromise: healthcare-specific enough to matter, but standardized enough to reuse. Nobody Asked Judy Another friend asked “I thought they had to go to each health system, or did they go direct to Epic and now health systems opt in?” Given the trust paradigms in healthcare, this functionally cannot be Epic hoovering up all the data for OpenAI and shoving ChatGPT in their customers’ faces (or they would revolt). However, I do believe the aforementioned terrible coverage by TechCrunch and other outlets is probably responsible for that question, given the 325 million reference. When using FHIR as a business associate to an Epic customer, there is no EHR gatekeeping to speak of, as that isn’t how fhir.epic.com works: You register an app You pick your APIs You test against the sandbox APIs You list as “Ready for Production” Hospitals pick your app You test and go live with them Bluntly, nobody had to say yes or no in Verona (nor were they given the chance). Vendor Services (their next developer tier up that I doubt OpenAI is using quite yet in this initial release) certainly has contractual paperwork that some resent, but even there, the twin pressures of mounting antitrust and information blocking make outright gatekeeping increasingly fraught. My friend’s sentiment is, to me, representative of a broader industry neurosis, perhaps a sort of scar tissue of prior eras: people assume the gate is still there and never actually try the door. There are certainly other ways Epic (and any EHR) can put its thumb on the scale, but they are not so dumb as to stand in front of a federally mandated API and play bouncer at this exact moment in time. So I think they can and probably should go deeper, as this release is at best parity and at worst behind vertical-specific competition. OpenEvidence did a basic SMART launch with Sutter Health in February, allowing for more convenient evidence search by providers. They then add patient-context (the equivalent SMART on FHIR flow to what we see here) when Cedars-Sinai went enterprise-wide in May. UpToDate has four distinct applications across deeper workflows like patient engagement listed in Epic Showroom and announced a partnership with Epic to power Art at UGM Abridge and other ambient scribes have invested deeply into the deepest bidirectional clinical copilot workflow with integrations well beyond SMART on FHIR. In that light, the “Who is OpenAI primarily targeting here?” is clear. This release brings them into striking distance of OpenEvidence, but not the others quite yet. They are the only one of the three you can reach without building something truly Epic-specific. When will they go further? Competition is a great motivator to overcome the horizontal demons and start building things that can’t be reused: not across industries, not across EHRs, maybe not past the customer you built them for. That’s the price of actually verticalizing. The question is if and when OpenAI will be willing to pay it. Month in Review Here is the monthly review. As a reminder, this is a regular round-up of the month’s posts and other content to surface things you may have missed across regulation, litigation, interoperability, and beyond. AI assistance is used in these bullet summaries so I can focus on articles. Articles Published: None this month Video Content: The Information Exchange: Standards-based Thruple Edition (Aug 14): Back to school for us too, with Brad reporting in from the CMS Health Tech Ecosystem’s one year anniversary in DC. We get into the January CMS-0057 deadline, the fall rulemaking reading list, and why enrollment still keeps most apps off FHIR. The Information Exchange: Epic Dúnadan Edition (Aug 25): A UGM roundup with Ryan Brickner joining for the first time to check our takes against what the building actually thinks. Rangers, Ergo sitting on top of EHI, and a down-market lineup that needs some cuts. Regulatory: Stacked Deck, Bad Hand (Aug 05): ONC’s website refresh took the entire HIT Policy Committee record with it, so I rebuilt the archive and went looking for the regulatory capture story everyone assumes is buried in there. Stacking the deck and winning the hand turn out to be very different things. The Sixth Generation of Patient Access (Aug 19): A quick catalog of the five generations of patient access we’ve layered on since HIPAA, and the two candidates now competing to be the sixth. One is planned. The other is the market routing around the plan entirely. Court cases: Three Cases Walk Into a Docket (Aug 06): Two surprise settlements cleared the board in a single week, and then Judge Maddox dropped ninety-four pages on Vyne v. Henry Schein. The sleeper is a DMCA holding that makes direct-to-database a considerably riskier business model. Epic v. Health Gorilla: Into the MDL (Aug 10): Nine class actions are headed to Miami, and the Panel signaled it wants to bring the case that spawned them along too. That would leave Epic arguing the requests were obviously fraudulent in one courtroom and unknowable in the other. Amazon v. Perplexity: Agents Are Legalized! (Aug 11): The Ninth Circuit vacated the injunction against Comet, holding that the user is the one accessing the servers rather than the company that built the agent. A real win for agentic access, and a much narrower one than the headline suggests. Veeva v. Epic: Come At Me, Bro (Aug 26): Epic’s response brief wants the dismissal affirmed and, unusually, wants the opinion published as precedent. Buried in it is Epic’s own description of what its non-competes actually prohibit, which current and former employees should read closely. EHRs: The Contract Epic Would Never Sign Today (Aug 04): A 1999 SEC exhibit catches Epic licensing nearly its entire product line, Tapestry included, to the company that became TriZetto. The marketing services menu attached to it is the part that will make you blink. Forecast from Verona (Aug 07): The Epic Almanac makes one argument six different ways: the AI is only as good as the networks behind it. Emmie headlines, Art’s context stack is the most ambitious part, and Penny finally gets an autonomous coding date on the calendar. Works With Epic MyChart (Aug 17): Epic’s first new Showroom category since the death of Workshop certifies hardware instead of software, badge on the box and all. Made for iPhone, but for blood pressure cuffs, and rough news for anyone selling the RPM stack sitting in between. UGM Hot Takes 2026 (Aug 20): Everyone else covered the AI announcements, so I went after Savvy deleting the payment gateway, Rangers as Boost with the timer removed, and a down-market lineup with too many entries. Plus the Health Grid tidbits I cannot help myself on. MyChart Central Grows Up (Aug 24): Device data and Emmie turn Epic’s identity hub into a full consumer platform, which is both a logical answer to ChatGPT and a bit of a mistake. It also happens to be the best scraping target Epic has ever shipped. Industry Analysis: The Wrong Yardstick (Aug 12): Vertical software keeps getting judged against Superhuman and Notion, which is the wrong bar entirely. Your user is comparing your product to a whiteboard and forty phone calls before lunch. Primitives vs. Abstractions (Aug 27): Developers want building blocks, systems of record prefer to hand out business logic, and both sides have a real case. There’s no test from the outside that separates the engineering reason from the competitive one, which is why this keeps ending up in court. Cross-industry Comparisons: The Two Kinds of Platform Power (Aug 18): Attention power and record power are different problems that keep getting handed the same regulatory toolkit. Congress’s latest swing at Big Tech shows both what’s possible and where it falls apart. The Dogs of (Platform) War (Aug 21): A CourtListener alert turned up a property management fight with healthcare’s exact shape and none of the Cures Act. Shell prospects, ghost accounts, a notetaker bot that came back to haunt someone, and a lawyer arguing both sides of the same theory in two states. Fractals All the Way Down (Aug 31): Yardi dominates property management right up until you zoom into one segment, where AppFolio owns it outright and Yardi doesn’t appear at all. Where you draw the line around a B2B software market is about to decide an awful lot of cases. Other News: If Judy Had the Courage (Aug 13): A short eulogy for the era when software was allowed to look insane: WinAMP, bold colors, and everything the grey chatbot era has taken from us. External Media: Portland Monthly Health Tech Meetup: Erin O’Brien channeled my own feelings - maybe it’s just because it’s August and beautiful, but the monthly edition of the PDX Health community meetup was a ripper. Make sure to reach out if interested to join for the next one. STAT’s Coverage of Epic This Month: Brittany Trang of STAT did a fantastic job of breaking the FTC investigation that’s been lurking, as well as UGM related coverage, so I had to give her her wish of a meme. Fall Conferences: I’m pumped to be kicking off my fall conference season in NYC at Nabla Accelerate next month, which Chrissy provided the link to apply for. Here’s the rest of my schedule in case you want to meet up: Commonwell (Redwood Shores, CA): Oct 13-14 Open@Epic (Madison, WI): Oct 21-22 eHealthExchange (Austin, TX): Oct 27 Sequoia Project (Austin, TX): Oct 28-29 HLTH (Vegas): Nov 15-18 RSNA (Chicago): Nov 29-Dec 3 Posts I Liked: HTI-6 Should Unbundle API Certification: Josh Mandel makes the case that HTI-6 should split (g)(10) into separate authorization and data certifications, so a PACS or a genomics platform can certify only the role it actually performs. Imaging is the urgent example, but the structure solves a much bigger problem. On implementing ePrior Auth with Epic: Scott Rossignol’s field notes from a live ePrior Auth build on Epic, including the two app registrations nobody warns you about and the CPT mapping problem waiting at the end. CMS-0057 implementations are going to be such a beast. Healthcare point solutions are starting to look a lot like streaming services: Spencer Dorn runs the cable-to-streaming arc against health IT and lands squarely on the bundling half of the cycle. Bundling can be good! It can also be bad! Life is nuanced. Health API Guy is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe

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Sep 2 • 5:05 AM EDT • Health • healthapiguy.substack.com
Get to Know Your Phone’s Built-In Emergency Kit

In times of natural disasters and other dangers, special features tucked away on your iPhone or Android device could help make a difference.

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Sep 2 • 5:03 AM EDT • Technology • nytimes.com
Here’s what’s new in College Park’s business scene

From Peter Chang Kitchen & Bar’s closure to renovations in the Lidl grocery store, a lot has changed in College Park’s business scene this summer.

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Sep 2 • 1:25 AM EDT • Business • dbknews.com
Marriott Partners With LG Electronics to Improve In-Room Entertainment

The new partnership will create a cloud-based guest entertainment platform.

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Sep 2 • 12:00 AM EDT • Entertainment • travelpulse.com
Holland America pumps up poolside entertainment

Lido Pool bandstands to bring live music on Oosterdam and Zuiderdam.

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Sep 2 • 12:00 AM EDT • Entertainment • travelweekly-asia.com
Mozilla launches ad blocking for Firefox on iOS

Mozilla is using Apple’s WebKit Content Blocker technology and the EasyList filter to block ads in Firefox.

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Sep 1 • 9:00 AM EDT • Technology • theverge.com
49ers get major George Kittle news ahead of season opener

Next three days will decide George Kittle's Week 1 status.

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Sep 1 • 8:06 AM EDT • Sports • sports.yahoo.com
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Protecting Your Health Starts Long Before a Disaster

"The best emergency kit reflects your real life."

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Sep 1 • 8:00 AM EDT • Health • news.blueshieldca.com
Opinion | The Political Power of Christian Kitsch

Precious Moments figurines and Christian romance novels aren’t overtly political, but they shape how Christian women see themselves and the world.

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Sep 1 • 5:00 AM EDT • Politics • nytimes.com
Business Monday: Big Island VIP seeks to sell tour company to buyer eager to educate visitors

Jodi Kitsell, co-owner and guide, is seeking a buyer committed to providing tours of Hawaiʻi Volcanoes National Park while preserving the business’s educational mission.

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Aug 31 • 11:00 AM EDT • Business • bigislandnow.com
Rice-developed BuoyBeads bring biotechnology lessons to high school classrooms

A biotechnology kit developed at Rice allows high school students to create living materials.

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Aug 31 • 8:00 AM EDT • Science • news.rice.edu
Walthourville community honors beloved business owner

A Walthourville community honored the legacy of a beloved local business owner Saturday.

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Aug 30 • 1:56 PM EDT • Business • wtoc.com
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Washington to receive $227M in Meta settlement to protect children’s mental health

Washington State Attorney General Nick Brown said the harm done by platforms like Instagram and Facebook has taken away things that used to be normal for kids.

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Aug 30 • 1:28 PM EDT • Health • opb.org
Google Maps adds 'Lake America' as Ford compares change to 'SNL' skit

"No one's going to call it Lake of America. It's been Lake Ontario for hundreds of years," Ontario Premier Doug Ford said.

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Aug 30 • 10:50 AM EDT • Politics • axios.com
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Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices

Hey all, Jason here. When this hits your inbox, I should be en route to the airport — not to go anywhere myself, just to pick up my better half. I must admit, it’s been strange to be home alone (well, with two dogs) for two weeks! Really lets me “optimize” to spending more time on reading/writing/working, whether that’s healthy or not! Looking forward to getting back into a (somewhat) more balance routine. Subscribe or Support by Upgrading Compare Notes With the People Who Built Modern Fintech Partner content: Remitly CEO Sebastian Gunningham. Increase founder Darragh Buckley. Linda Du, Co-founder & President at Valon. They’ll unpack the decisions behind building and scaling major financial products: what they got right, what broke, what they would do differently, and how AI and new infrastructure are changing the operator playbook. Most events tell you where fintech is going. NerdCon puts the people who built the present in the room and asks them what comes next. Expect an operator-led conversation grounded in real products, real trade-offs and lessons earned the hard way. Fintech Business Weekly readers save 20% on Regular tickets with code FBW20 before standard pricing ends September 11. Meet the Builders Things To Know & Other Good Reads Advent and Stripe Abandon $50 Billion Pursuit of PayPal (Bloomberg) Trump Family’s New Crypto Bank Is Backed by Abu Dhabi Sheikh (Wall Street Journal) The multiplying risks of financing data centres (FT) Let the Bond Market Speak (Wall Street Journal) Did we waste a crisis? Modest proposals to reform deposit insurance. (Fintech Takes Banking) Untangling Guggenheim: How Private Credit Built Its Own Universe (Net Interest) The Hater’s Guide To Circular Financing — Part One (Ed Zitron) Fiat Ventures Rebrands to FGV Capital, Announces $35M Oversubscribed Fund II (BusinessWire) Socure Announces Strategic Growth Investment at $5.2B Valuation and Acquires Agentic Operations Platform Fravity (Socure) Listen: When Consumer Protection Disclosures Work Too Well (Consumer Finance Monitor Podcast) Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices When Andreessen Horowitz led EarnIn’s $39 million Series B in 2017, Alex Rampell, a partner at the storied venture capital firm, described EarnIn’s small-dollar advance product as “free,” relying on “entirely on voluntary contributions instead of fees.” Rampell favorably compared EarnIn’s approach to typical payday loans, writing, “Payday loans historically have had the potential to be a slippery slope for consumers into financial distress: opaque systems and steep fees that are hard to repay and set individuals back further than where they started. For many Americans living paycheck to paycheck, that kind of slide into debt can be extremely difficult to recover from.” But EarnIn’s product — which, the company says, isn’t a “loan,” legally speaking — ends up being anything but free for most users. While it is technically possible to take a no-fee advance from the company, most users incur “Lightning Speed” (instant funding) fees and/or ostensibly optional tips that combined can equate to annualized percent rates that can reach over 1,000%. With an average term of 9.77 days, even fees and tips that are small on an absolute dollar basis are equivalent to high APRs on an annualized basis. A lawsuit filed last week by Colorado Attorney General Phil Weiser against EarnIn describes the company and its product and business practices quite differently than Andreessen’s Rampell; “EarnIn’s business practices are unfair because they are immoral, unethical, oppressive and unscrupulous,” the complaint, filed in District Court in Denver, Colorado, says. EarnIn’s marquee product, Cash Out, isn’t a loan, the company says, as Cash Out is not “[f]orward [l]ooking” because “[t]he money is transferred based on earnings to date,” does not carry a mandatory fee to access funds, and is “non-recourse,” meaning EarnIn cannot pursue recovery from users who don’t repay advanced funds. EarnIn is sometimes referred to as an “Earned Wage Advance” service. Though, unlike some others in the broader category, EarnIn does not integrate with employers’ payroll or time and attendance systems. Rather, EarnIn attempts to verify a user’s income and employment, by examining direct deposit transaction data in their linked external bank account, by using GPS location and Bluetooth data to estimate a user’s time spent at work, if they work in a fixed location, and/or by having a user provided a work email address. While repayment is theoretically optional, as EarnIn would have no recourse, such as reporting non-payment to the credit bureaus or a collections agency, this is anything but clear to users of the EarnIn app, Colorado’s complaint argues. During the process of taking a Cash Out, users must agree to a preauthorized debit of the amount advanced, plus any expedited funding fee and/or tips. Though users technically can revoke this ACH authorization, the fact that they have this right isn’t presented to users during the Cash Out process, but rather is included in linked terms and conditions few users are likely to actually read. And users who do wish to revoke their ACH authorization must do so three or more days before the scheduled transaction date by emailing EarnIn’s customer support. Similarly, EarnIn’s marketing claims that it carries “no interest” and “no mandatory fees” is technically true, but is not the reality for many of the app’s users, the Colorado complaint argues. Further, EarnIn has extensively marketed to users the ability to “access your pay today,” to get “instant” funds, and to get funds “the same day you work” — when, in reality, this speed of access was only possible by paying the additional, undisclosed Lightning Speed fee. The Colorado complaint highlights this contradiction specifically, noting: EarnIn tells consumers that they can ‘Make any day payday with EarnIn’ and that there no ‘hidden’ or ‘mandatory fees.’ For a consumer to access their pay on the same day requested, they would have to pay the Lightning Speed fee. In the fine print of the advertisement EarnIn discloses that ‘[f]ees apply to use Lightning Speed,’ a direct contradiction to the larger text of the advertisement, and a fact that would not be immediately understood by a consumer as ‘Lightning Speed’ is not defined nor explained. Like other small-dollar lending services, rather than explicitly charge interest, EarnIn collects a markup on the optional Lighting Speed fee, which, given the nature of the transactions, many users opt for, as well as offering users the option to leave “tips.” EarnIn leverages either Real-Time Payments (RTP) rails or push-to-card via debit rails if a user opts for the optional Lightning Speed. But while these capabilities cost EarnIn, on average, $0.075 or $0.20 per transaction, respectively, EarnIn charges users significantly more. Initially, EarnIn charged as little as $1.99 for Cash Outs up to $24. But EarnIn has hiked these fees multiple times, and now charges $4.99 for Cash Outs up to $75 and $6.99 for those over $75. According to the Colorado complaint, EarnIn leverages “dark patterns” to manipulate users and to make it more difficult to avoid tipping. Examples of these “road blocks” highlighted in the complaint include: As of 2023, in the EarnIn app, a consumer attempting to get a loan under the default settings had to make at least eighteen separate taps to complete the transaction and reduce the tip to $0. There is an alternative method to leave a $0 tip, via the “Custom tip” feature, but EarnIn made this option difficult to access by visually deemphasizing it and positioning it near devices’ “home” button. Using language and imagery such as “Tip to pay it forward,” “Your generosity supports the service + helps,” “Your tips make a difference,” and “[t]he APR for this cash out is 0%. Your tips help support us.” While Lightning Speed and tipping are, in theory, both optional, in practice, users nearly always ended up paying something. According to the Colorado suit, users were charged either a tip or an expedite fee for more than 92% of transactions, with an average APR of nearly 388%. And, although the advances are “non-recourse,” EarnIn successfully collects on nearly all transactions — 99.18%, according to the complaint, which, Colorado argues, “demonstrat[es] that EarnIn’s advances function as high cost loans, not voluntary payments.” The share of EarnIn users incurring fees — despite the product being marketed as 0% APR — is hard to reconcile with Andreessen investor Rampell’s favorable description of EarnIn vs. “opaque systems and steep fees” associated with payday loans, which, Rampell says, can be “extremely difficult” for borrowers to extricate themselves from. According to Colorado’s suit, EarnIn’s Cash Out product “trapped many consumers in extreme cycles of high-cost reborrowing.” The suit gives an example of one consumer in the state, who took out a whopping 1,151 loans, paying a total of $4,038.50 in Lightning Speed expedited funding fees on loans that averaged the equivalent of 1,421% APR. Another Colorado user, the suit says, took out 1,033 loans, paying $8,561.22 in tips and fees at an average APR of 1,539% . These types of usage patterns demonstrate “the severe and repeated financial harm caused by EarnIn’s illegal lending model,” the Colorado complaint argues. In aggregate, from January 2023 through July 2025, EarnIn extended 3.1 million loans to 56,778 users in Colorado — an average of nearly 55 transactions per person during the time period. EarnIn lent more than $300 million and collected more than $16 million from Colorado users in Lightning Speed fees and in tips. Ultimately, the Colorado complaint argues that “EarnIn’s Cash Outs are loans under Colorado law, and EarnIn’s contention that its product is not a loan based on its disclaimer of any legal repayment obligation lacks any real-world significance given how the Cash Out transactions actually operate in practice.” Colorado further argues that “EarnIn was not working with companies here in providing consumers with funds but acted as a third-party lender and charged illegally high rates, used deceptive design strategies to extract some charges, and trapped consumers in repeat borrowing. Colorado will continue to stand up for consumers and hold companies accountable when they violate our credit laws or attempt to evade them through misleading practices.” Colorado’s suit alleges EarnIn assesses finance charge in excess of that permitted by Colorado law, that EarnIn failed to make legally required disclosures to Colorado borrowers, that EarnIn made supervised loans to consumers without obtaining the requisite license, that EarnIn violated the state’s Deferred Deposit Loan Act, that EarnIn engage in unfair and deceptive trade practices, and that EarnIn made false or misleading statements concerning price. The suit seeks a court order enjoining EarnIn from violating relevant Colorado laws, for EarnIn to refund amounts charged in excess of state law, fees, costs, and penalties, and other relief the court deems to be just. Fintech Business Weekly is made possible by the generous support of paying subscribers — bringing you independent analysis of banking, fintech, and crypto without fear or favor. You can support my work by becoming a paying subscriber if you aren’t already. Paying subscribers enjoy: access to the entire archive of nearly six years of newsletters extended versions of the weekly newsletter, with additional content and analysis and (for founding member tier) quarterly personal 1:1 fintech Q&A / strategy calls with me, tapping into my unparalleled knowledge of the intersection of banking and fintech and experience working in the sector, including helping to launch Goldman Sachs’ retail bank Marcus Support Fintech Business Weekly You can also support Fintech Business Weekly by sponsoring a newsletter or podcast, putting you in front of 93,000+ of the most influential decision makers in banking, fintech, and crypto. Learn more about sponsor opportunities or request a media kit by dropping me an email. Q2 Quarterly Banking Profile: Five Quick Takeaways The FDIC released its quarterly banking profile, which is always worth a read, for the second quarter. The profile provides an aggregate snapshot about the overall health of the 4,238 institutions whose deposits are insured by the FDIC, who, collectively, hold more than $26 trillion in assets and saw a total net income of more than $90 billion in the second quarter. Net income was up 12% vs. Q1 2026, with lower provisions and realized gains on securities helping to drive the improvement, somewhat offset by increases in non-interest expense and applicable income taxes. Overall net interest margin was basically flat quarter over quarter (up 1 basis point vs. Q1 2026), though community banks saw NIM grow by 10 basis points, to 3.81%. Unsurprisingly, given that interest rates haven’t changed, unrealized losses on securities changed little, edging up slightly to $326.7 billion vs. $325.1 billion in Q1 2026. Aggregate credit quality has remained benign, with asset quality actually improving slightly in Q2. Overall, institutions reported a 9 basis point decline in their past-due and non-accrual rate, to 1.44%. Net charge off rate also declined by 2 basis points, to 0.57%. And finally, the FDIC’s deposit insurance fund stands at $161.1 billion, making the DIF reserve ratio 1.48% — above the statutory minimum of 1.35%, but still below the designated target reserve ratio of 2%. [Paid Subscriber Exclusive] Nissan Withdraws ILC App, State Associations Plan BankChain Alliance, FDIC Defines “Unsafe or Unsound Practice” For First Time Automaker Nissan withdrew its application to charter a Utah industrial loan company and its corresponding application to the FDIC for deposit insurance last week, on August 19th. Nissan’s application had been outstanding for more than a year, as it originally applied in June 2025. Recent applications to the OCC to form national banks have been decisioned, one way or the other, substantially more quickly than has historically been the case.

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📸 This week’s kit news 👕

Official announcements, leaks and great finds: OneFootball brings you a full roundup of this week’s kit news.Chelsea finally unveil their shirt sponsorAfter three years without a permanent sponsor o...

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Aug 30 • 7:24 AM EDT • Sports • sports.yahoo.com
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A fifth-grader in Kansas City clicked ball-and-stick atoms together in science class and asked her teacher if she'd made a real molecule — he photographed it, sent it to a chemistry professor, and at ten years old she became co-author of a published paper on a structure nobody had ever described

A ten-year-old's casual question about her chemistry model kit led to a published paper describing a molecular structure that had eluded professional scientists for decades.

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Aug 29 • 10:02 PM EDT • Science • spacedaily.com
WHO releases US$150 000 emergency funds to support Nepal’s flood response

The World Health Organization has released US$150 000 from the South-East Asia Regional Health Emergency Fund (SEARHEF) to support urgent health and other needs of the communities impacted by the devastating flash floods in Nepal, one of the worst tragedies in the country in recent times. “The emergency funds will support immediate response priorities. WHO is committed to supporting Nepal through the response and recovery efforts,” said Dr Nilesh Buddha, Officer-in-Charge, WHO South-East Asia Regional Office. Earlier, within hours of the flash floods on 26 August, WHO mobilized and dispatched essential emergency medical supplies, including an Interagency Emergency Health Kit that can cater to the health needs of nearly 10 000 people for 3 months, along with multipurpose tents.

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Aug 29 • 8:00 PM EDT • Health • who.int
Auto review: 2026 Nissan Frontier Pro-4X offers function over flash

There is an arms race underway in the automotive industry. Blackened chrome, LED strips, giant grilles, screens the size of suburban kitchen islands, illuminated logos, animated turn signals, ambient lighting

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Aug 28 • 11:40 AM EDT • Entertainment • thederrick.com
Cath lab procedure kits recalled due to ongoing safety concern

The manifolds inside these kits have been linked to a significant risk of contamination. The FDA is urging users to place a warning label on each kit.

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Aug 27 • 4:57 PM EDT • Business • cardiovascularbusiness.com
City launches program to help Oahu small businesses prepare for disasters

The city launched a small businesses preparedness program called Stay Open Oahu to provide small businesses with a set of resources in time of emergencies.

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Aug 25 • 8:32 PM EDT • Business • kitv.com
Why the Democrats' Path Back to Power Runs Through the Kitchen Table

A unique new messaging study underscores the supremacy of economic populism in rural America and beyond.

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Aug 25 • 9:38 AM EDT • Politics • thenation.com
Nikita Bier charges $15,000 for business advice on Intro

Nikita Bier, former X head of product, offers $15,000 business advice sessions on Intro, targeting venture-backed companies.

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Aug 25 • 7:51 AM EDT • Business • businessinsider.com
Health systems warn of coordinated phishing targeting Epic’s patient portal

It isn’t clear how many scammers are involved in the effort, but health systems across the country are warning their patients to ignore fake messages, many of which offer a “reward” in the form of a “MyChart Medicare Kit.”

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Aug 25 • 1:29 AM EDT • Health • healthexec.com
Giant anomalous exciton-multiphoton nonlinearities in layered hybrid perovskites

Light: Science & Applications - Giant anomalous exciton-multiphoton nonlinearities in layered hybrid perovskites

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Aug 24 • 8:00 PM EDT • Science • nature.com
Kit Harington boards ‘Harry Potter’ season 2 as Gilderoy Lockhart, replacing Nicholas Hoult

‘Harry Potter’ shake-up: Kit Harington will play Gilderoy Lockhart in season 2 after Nicholas Hoult’s surprise exit.

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Aug 24 • 12:53 PM EDT • Entertainment • ew.com
Kit Harington Joins ‘Harry Potter’ Season 2 As Gilderoy Lockhart In Recasting, Reprising Voice Role

EXCLUSIVE: Game of Thrones star Kit Harington is joining another tentpole fantasy series for HBO. He will play Gilderoy Lockhart in Season 2 of Harry Potter. Harington replaces Nicholas Hoult who was ...

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Aug 24 • 12:30 PM EDT • Entertainment • yahoo.com
Warhammer 40k: A Legend Returns — New Space Marine Captain On Bike Revealed

A brand new kit is here for a venerable 40k hero. Get a closer look at the new Space Marine Captain!

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Aug 24 • 12:22 PM EDT • Technology • belloflostsouls.net
Israel accused of using kites as pretext to justify escalating Gaza attacks
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Aug 24 • 7:57 AM EDT • Politics • aljazeera.com
49ers News: Life’s better with George Kittle and Christian McCaffrey

Your daily San Francisco 49ers news for Monday, August 24th, 2026

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Aug 24 • 4:50 AM EDT • Sports • sports.yahoo.com
Another major Android phone maker caves to soaring RAM costs with price hikes

Xiaomi has announced that it will start hiking smartphone prices across various models and configurations starting September.

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Aug 23 • 11:24 PM EDT • Technology • androidauthority.com
George Kittle, Christian McCaffrey startle 49ers training camp

SANTA CLARA — It was a novel scene, one not seen in almost a month of training camp. On one end of the 49ers’ practice field in the shadow of...

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Aug 23 • 7:11 PM EDT • Sports • sports.yahoo.com
49ers Announce Major George Kittle Decision Ahead of Season Opener

The San Francisco 49ers are inching closer to their season opener against the Los Angeles Rams in Melbourne, Australia, on Thursday, Sep. 10.The 49ers have completed their open training camp portion of the offseason. They played two of their three preseason games.San Francisco narrowly lost 19-13 against the Tennessee Titans. The 49ers mainly played their […] The post 49ers Announce Major George Kittle Decision Ahead of Season Opener appeared first on HEAVY.

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Aug 23 • 4:33 PM EDT • Sports • sports.yahoo.com
EA Sports shares Top 10 highest-rated players in NHL 27, featuring Oilers’ Connor McDavid

Connor McDavid leads NHL 27 ratings, ahead of Nathan MacKinnon and Nikita Kucherov.

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Aug 20 • 1:19 PM EDT • Sports • sports.yahoo.com
🙂 Positive (50%)
A Business in Kabul, A Business in Eugene

Cardamom, fennel, cumin and coriander are all frequently used spices in Tamana Ashor’s kitchen cabinet. She carried those spices with her to Eugene to preserve her Afghan roots and share with her…

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Aug 20 • 3:00 AM EDT • Business • eugeneweekly.com
Lawmakers, business leaders discuss insurance, workforce at Legis-Gator event

Policy makers from around the state gathered to assess the present and look toward the future of Louisiana.

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Aug 19 • 10:37 PM EDT • Business • kplctv.com
How Taylor Kitsch returns in 'Terminal List' Season 2 first trailer

"The Terminal List" Season 2 is dropping its first teaser trailer, with Chris Pratt returning as former Navy SEAL commander James Reece – and revealing a big surprise.

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Aug 19 • 7:50 PM EDT • Entertainment • centraloregondaily.com
Skyhawk Sports Talk Returns To Woodfire Pizza Kitchen On Monday Night

MARTIN, Tenn.- The University of Tennessee at Martin athletic department has announced the return of the Skyhawk Sports Talk podcast to Woodfire Pizza Kitche...

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Aug 19 • 11:31 AM EDT • Sports • utmsports.com
Harold Ford Jr rips clickbait politics over real policy solutions

Fox News contributor Harold Ford Jr. examines the rise of clickbait politics, urging lawmakers to focus on kitchen-table issues instead of social media clicks, on ‘The Five.’

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Aug 18 • 6:52 PM EDT • Politics • foxnews.com
Harold Ford Jr rips clickbait politics over real policy solutions

Fox News contributor Harold Ford Jr. examines the rise of clickbait politics, urging lawmakers to focus on kitchen-table issues instead of social media clicks, on ‘The Five.’

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Aug 18 • 6:43 PM EDT • Politics • foxnews.com
☹️ Negative (-10%)
Apple's Home Hub Will Have a Widget Gallery With iPhone Widget Support

Apple is working on a home hub that incorporates Siri AI, and it's set to launch as soon as this year. The home hub will use a Widget Gallery that lets users select the content they want to appear on the device's home screen. Mentions of the Widget Gallery were found in macOS Tahoe 26.7, an update that leaked a long list of unreleased Apple products. The strings were found in a file named PosterKit-J490, and J490 is the codename for the home hub.

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Aug 18 • 3:56 PM EDT • Technology • macrumors.com
Penn State Health, Penn State College of Medicine recognized as best places to work for disability inclusion

Penn State Health and Penn State College of Medicine have been named “World’s Top Disability Inclusive Businesses” in the 2026 Disability Index.

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Aug 18 • 12:10 PM EDT • Health • pennstatehealthnews.org
5 Anker Gadgets Under $25 Worth Adding To Your Kit

Anker USB-C to Ethernet Adapter, USB-A to USB-C Adapter, 5-in-1 USB-C Hub, USB-C Charging Cable, and 10-in-1 Power Strip with 300J Surge Protector.

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Aug 17 • 8:47 PM EDT • Technology • bgr.com
Business Ins & Outs: Bombas, Café Tulúm, Ciao Bella, Kith, Edikted

In the weeks and months ahead, as previously forecast, we will see an interesting mixture of retail and restaurants making their Georgetown debut: Uniqlo,

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Aug 17 • 11:30 AM EDT • Business • georgetowner.com
Is hormone therapy the cheat code to perimenopause?

Perimenopause can be overwhelming. Mood swings, insomnia and hot flashes can make you feel like a completely different person. Hormone therapy is one way a lot of women are treating the symptoms. Life Kit’s Marielle Segarra talks with Dr. Mara Gordon of NPR’s Real Talk with a Doc column about the risks and benefits.Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit

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Aug 17 • 3:00 AM EDT • Health • npr.org
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This simple cooking trick changes everything about boiling eggs, say scientists - Futura-Sciences

A Generational Culinary Debate Adding salt to the water when boiling eggs is a kitchen tradition that has split home cooks for decades. Some see it as an old wives’ tale, while others swear by it as an essential culinary technique. What does modern food science have to say about...

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Aug 16 • 7:00 PM EDT • Science • futura-sciences.com
Pyrex Collectors Are Always Looking For This Rare Mod Pattern

Vintage Pyrex dishes are well-known to collectors who look for the fun colors and patterns, but the Mod Kitchen dish is more rare than others.

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Aug 16 • 3:40 PM EDT • Technology • tastingtable.com
His family fled socialism. He’s trying to spread it.

A young Cuban American is selling democratic socialism door-to-door across Miami. But he cannot bring himself to discuss it across his family’s kitchen table.

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Aug 16 • 6:00 AM EDT • Politics • washingtonpost.com
Richmond Baker Combines Science and Passion in Cottage Bakery

Valeriya Romashchenko opened Cuprum Bakery in 2024, offering sourdough and other baked goods produced in her home kitchen in the Inner Richmond. The popularity of Romashchenko’s cottage bakery, lik…

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Aug 16 • 1:46 AM EDT • Science • richmondsunsetnews.com
Deep dive
😐 Neutral (8%)
love
42%
ahah
34%
wow
24%
'X-Men' cast, release date revealed at D23

Maya Boyd, Inde Navarrette, Samara Weaving, Christopher Abbott, Kit Connor, Jake Schreier, Sadie Sink and Kevin Feige, President, Marvel Studios, speak onstage at the Disney Entertainment Showcase at D23: The

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Aug 15 • 8:10 AM EDT • Entertainment • kmaland.com
Deep dive
😐 Neutral (10%)
ahah
42%
love
33%
angry
25%
📸 This week’s kit news 👕

Official releases, leaks and great finds: OneFootball rounds up all the kit news from the week. Fair warning, this week’s batch is INSANE!🩷🩵 Fulham - Third 2026/27 (official)🪻 Eintracht Fra...

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Aug 15 • 7:46 AM EDT • Sports • sports.yahoo.com
‘X-Men’ movie cast confirmed: Sadie Sink, Kit Connor, and more announced

‘X-Men’ movie cast officially confirmed: Marvel reveals the new mutants coming to the MCU.

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Aug 15 • 12:17 AM EDT • Entertainment • ew.com
Outside Science Experiments

Summer is the perfect season to get kids outside and spark their curiosity with hands-on adventures. Liz Heinecke, known as the Kitchen Pantry Scientist, stopped by with creative activities that turn backyard playtime into exciting science discoveries.

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Aug 14 • 5:15 PM EDT • Science • kstp.com
Firefighters rescue kittens from Decatur business fire

Firefighters rescued a litter of kittens while responding to a business fire in Decatur Thursday morning.

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Aug 14 • 3:36 PM EDT • Business • waff.com
🙂 Positive (48%)
love
50%
wow
50%
Arizona has become a destination for women’s sports

Arizona has evolved into one of the nation's fastest-growing women's sports markets. Coaches, athletes and industry leaders explained how decades of progress, increased visibility and investment transformed the state's women’s sports culture.

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Aug 14 • 12:59 PM EDT • Sports • cronkitenews.azpbs.org
How RFK Jr. picked the wrong side of vaccine science

By seeing himself as a crusader, RFK Jr. neglects to acknowledge how science works, and why we should vaccinate kids.

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Aug 14 • 11:50 AM EDT • Science • kitsapsun.com
Hoto’s new cordless soldering iron heats up in three seconds

The latest addition to Hoto’s modular Snapbloq toolkit line can also be plugged in when you need more power.

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Aug 14 • 7:00 AM EDT • Technology • theverge.com
How to watch Seattle Seahawks vs. Dallas Cowboys preseason opener

After a long offseason of celebrations, roster moves and training camp, the Seahawks officially begin their 2026 season on Saturday.

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Aug 14 • 6:10 AM EDT • Sports • sports.yahoo.com
Why This Shark Glows in the Dark—and What Scientists Just Discovered About It - Futura-Sciences

The Glow of the Kitefin Shark The kitefin shark (Dalatias licha) is a master of the twilight zone, cruising the deep-sea gloom like a spectral submarine. Like many marine creatures, it produces its own blue-green light. Until recently, scientists believed this bioluminescence mainly helped the shark perform what’s called “counter-illumination”—by...

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Aug 13 • 1:30 PM EDT • Science • futura-sciences.com
Philadelphia Union Unveil Retro-Inspired “Philly Kit,” a Tribute to Philadelphia Sports

The club’s official third kit pays homage to Philadelphia’s unmatched sports culture

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Aug 13 • 11:00 AM EDT • Sports • philadelphiaunion.com
WATCH | Science to go: Mid-America adds mobile planetarium to toolkit

Students will have a new opportunity to explore science through a 360-degree immersive learning experience as Mid-America Science Museum brings its new Planetarium To Go to schools through a $30,000 grant from the Arvest Foundation.

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Aug 13 • 5:03 AM EDT • Science • hotsr.com
Celtic to open talks over sixth summer signing

Niko Sigur playing for Hajduk Split in white kit

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Aug 13 • 2:00 AM EDT • Sports • sports.yahoo.com
Don’t miss opportunity to learn how your food business can avoid common mistakes made during inspections

Join Hawaiʻi Commercial Kitchens from 1 to 4 p.m. Aug. 13 for a free workshop with guest speaker retired Hawaiʻi Department of Health inspector John Nakashima to walk you through what a strong plan actually requires; only 4 in-person spots remained available as of afternoon of Aug. 11, but Zoom participation is an option, so register today!

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Aug 12 • 4:00 PM EDT • Business • bigislandnow.com
Food businesses: Learn how to avoid common mistakes made during inspections

Join Hawaiʻi Commercial Kitchens from 1 to 4 p.m. Aug. 13 for a free workshop with guest speaker retired Hawaiʻi Department of Health inspector John Nakashima to walk you through what a strong plan actually requires, including recordkeeping and monitoring habits that matter most when an inspector shows up.

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Aug 12 • 2:00 PM EDT • Business • kauainownews.com
NEW: Arab AI Slop and the Precarious Politics of Digital Kitsch

Dear Friends and Comrades, If you spend any time on social media, you’ve seen the uncannily rendered videos and memes known colloquially as AI slop, crudely generated videos playing on stereotypes meant to generate viral outrage. In our upcoming summer issue of Middle East Report, Nermin Elsherif looks at

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Aug 12 • 9:00 AM EDT • Politics • merip.org