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Trump says 'Meet the Press' host Kristen Welker will be reported to FCC
President Donald Trump sharply criticized Kristen Welker, the moderator of NBC's "Meet the Press," after abruptly exiting an interview with her earlier this year.
Nearby business owner describes damage, calls for safety answers after explosion
A business owner near the site of an explosion says the force of the blast damaged his building, shut down operations for a day and raised concerns about the sa
Nearby business owner describes damage, calls for safety answers after explosion
A business owner near the site of an explosion says the force of the blast damaged his building, shut down operations for a day and raised concerns about the sa
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.
Moulton says Sen. Markey, 80, is too old for another term. Young Massachusetts Democrats are divided
Young Massachusetts voters agree that 80-year-old U.S. Sen. Ed Markey stumbled when asked during a debate how he uses artificial intelligence
Moulton says Sen. Markey, 80, is too old for another term. Young Massachusetts Democrats are divided
Young Massachusetts voters agree that 80-year-old U.S. Sen. Ed Markey stumbled when asked during a debate how he uses artificial intelligence.
Rest for a priest not a luxury but a necessity for mental health, Nigerian Vatican official says
As part of a formation program, the secretary of the Vatican Dicastery for Evangelization urged priests to take time away from ministry to sustain their physical and mental health.
MoonPie Over Mobile set to announce entertainment for New Year’s Eve
And the Facebook post says the announcement will be made live during the Mobile City Council meeting at Government Plaza.
Health plan in NY deny your claim? Research says keep appealing
For home health care, 78.4% of claims denials taken to the second level of appeals were overturned during tthe study period, researchers found.
TerminalFix Uses Fake Cloudflare CAPTCHAs to Deploy Reverse-Tunnel Backdoor
Microsoft says TerminalFix uses fake Cloudflare CAPTCHAs to trigger PowerShell and deploy a reverse-tunnel backdoor for internal network access.
Does microwaving food make it unhealthy? What the science says
There is something about the microwave that makes it seem less wholesome than a stove. Perhaps it is the speed, the strange humming sound or the long-running fear that radiation somehow gets into the food. But when scientists look at what actually happens inside a microwave, the story is considerably less alarming. Microwaving food does not make it radioactive or inherently unhealthy. In fact, research suggests that, for many foods, microwave cooking can preserve nutrients as well as, or sometimes better than, conventional cooking. Scroll down to read more....
Windows 11 is warning people that Defender Antivirus has been turned off, but don't worry, says Microsoft
It might be a false alarm.
Xbox CEO says next-gen Project Helix will be a “family of devices,” hinting at another Xbox Series S|X-style lineup
Xbox CEO Asha Sharma says the next-generation Project Helix will launch as a “family of devices,” suggesting a tiered lineup similar to the Xbox Series S and X. Microsoft has confirmed AMD-powered hardware supporting Xbox and PC games but has yet to disclose pricing, release timing, or disc-drive options.
EA Motive's New Iron Man Game Footage Leaks, EA Says "That Didn't Go As Planned"
Unfinished gameplay footage from EA Motive's long-quiet Iron Man game leaked online on Friday, and EA just came forward and confirmed it's real. The roughly two and a half minute clip, watermarked "AUG26 TEST", spread first on ResetEra and then across Reddit and social media. The footage shows...
L.A. Phil Offers $10 Hollywood Bowl Tickets for Medi-Cal, EBT Users
Starting in 2027, the L.A. Phil says it will offer $10 Hollywood Bowl tickets to Medi-Cal and EBT cardholders in an effort to make concerts more accessible.
GTA 6 Takes Around 80 Hours To Complete, Says Developer
Rockstar North co-studio head Rob Nelson has given us the first real number on GTA 6's length. Nelson told The New York Times that his own playthrough, completed back in February, took around 80 hours. That run covered the main story plus some optional objectives that carry actual narrative...
Sony says Claude trained on pirated lyrics, seeks $150K a song
In a new lawsuit, Sony Music and Warner Chappell say Anthropic used "thousands upon thousands" of songs to train Claude, including "Eye of the Tiger."
Jamel Dean says Steelers are capable of winning Super Bowl
Jamel Dean believes Steelers can win Super Bowl
Bessent says disorderly yen moves can destabilize global markets
U.S. Treasury Secretary Scott Bessent said disorderly moves in the yen could trigger "forced unwinds" of positions that risk destabilizing global markets and ultimately raising borrowing costs for U.S. households and businesses.
Most Business Advice Is 'Trash,' Says Kalshi CEO. But There’s a Catch
Great leaders know when to trust their instincts and when seeking advice is the smartest move they can make.
'The sky's the limit' for Packers in 2026, Bullard says | FOX 11 One on One
FOX 11 Sports Director Ryan Wing sits down with Green Bay Packers safety Javon Bullard for a special training camp edition of FOX 11 One on One.
Fed Chairman Warsh shows courage with Jackson Hole speech, defying political pressure, says Harvard's Rogoff
Ken Rogoff said Warsh made it clear that if the inflation data didn't improve, he's going to hike interest rates.
Gamescom Says Exhibitors Have To Protect Against Theft
Gamescom's official statement noted that while they treat the theft 'very seriously and understand the frustration of affected exhibitors,' there's also options to pay extra for 'individual stand security'
“Adults” co-creators and stars talk shocking season 2 finale hookup: ‘We have many, many plans’
“This is a very different dynamic than the kind of relationship we’ve explored in the show thus far,” co-creator Ben Kronengold says.
Trump promises action to help local beef processing
President Donald Trump says he is taking steps to help farmers and ranchers process their own food.
Project Helix will be a ‘family of devices,’ Xbox CEO confirms
Xbox CEO Asha Sharma says Project Helix will focus on affordability…
Doctor Says: Staying up late? There could be health risks.
This is a column in a series from Dr. Olivia Ragusa, a primary care physician at Baton Rouge General, sharing insight on a variety of health topics for patients of
Packers' Matt LaFleur says Josh Jacobs will be on roster during legal process
Packers coach Matt LaFleur wouldn't say whether running back Josh Jacobs will be available for the Sept. 13 opener, but he expects him to be on roster
Odell Beckham says it would mean everything to make the Giants' roster
Tom Begich says he will withdraw from Alaska governor’s race
The move paves the way for Jonathan Kreiss-Tomkins to be the only Democrat on the November ballot.
Trump says U.S. has entered deal with Venezuela to take control of 65 billion barrels of oil reserves
President Trump says his administration has entered a sweeping agreement with Venezuela that could give the U.S. access to vast amounts of the South American country's untapped oil reserves, at cost.
Jamie Foxx reflects on ‘second chance’ after near-death stroke
Jamie Foxx says he was told he’d been given a ‘second chance’ after he nearly died from a stroke. Here’s why that frustrated him.
11 deaths linked to Upper East Side Legionnaires' outbreak, city says
The city announced two more deaths linked to the Upper East Side Legionnaires' outbreak, bringing the toll to 11.
California’s opposition is facing a political ‘machine,’ Christopher Rufo says
Manhattan Institute senior fellow Christopher Rufo reviews California Gov. Gavin Newsom’s tenure on ‘Life, Liberty & Levin.’
Blakeman says Lake America is 'fun' as other NY pols push back
Republican Western New York state Sen. George Borrello told Spectrum News 1 it’s a distraction from actually addressing trade issues with Canada.
Trump says U.S. has entered deal with Venezuela to control 65 billion barrels of its oil reserves
The announcement of the deal comes nearly nine months after the U.S. military at Trump’s direction carried out an operation to capture Venezuela’s president Nicolás Maduro and spirit him to the United States to face federal narcoterrorism and drug trafficking charges.
Trump announces ‘biggest oil deal in world history,’ says it will substantially lower gas prices
Trump announces a major oil deal with Venezuela, saying the US secured majority control of 65 billion barrels and the agreement will lower gas prices.
College football analyst says college sports don’t need NCAA anymore
Paul Finebaum says the NCAA is no longer needed as college football conferences gain power amid constant NIL, transfer portal, and eligibility battles.
Trump says he will observe the 25th anniversary of 9/11 at the Pentagon
Vice President JD Vance will attend the New York observance and other administration officials will go to the ceremony in Shanksville, Pennsylvania
Trump says he will observe the 25th anniversary of 9/11 at the Pentagon
Vice President JD Vance will attend the New York observance and other administration officials will go to the ceremony in Shanksville, Pennsylvania
Trump says he will observe the 25th anniversary of 9/11 at the Pentagon
Vice President JD Vance will attend the New York observance and other administration officials will go to the ceremony in Shanksville, Pennsylvania
Politics panel says Indiana likely will suffer amid US-Canada trade spat
Political strategists warned that the recent trade dispute between the U.S. and Canada involving new tariffs will likely harm Indiana's consumers and producers.
Alaska campaign watchdog says Treg Taylor should not be allowed to run for governor
A state commission says Taylor, a former attorney general, failed to file a financial disclosure as required by law.
Abdul El-Sayed must take stand against political violence
Lon Johnson says it's time for Abdul El-Sayed to stop equivocating on political hate and violence
Delaware psychiatrist who testified in Lindsay Clancy case resigns from Nemours, health system says
Avram Mack testified on Friday, Aug. 21, and Monday, Aug. 24, as a prosecution rebuttal witness in the nationally watched case against Clancy.
Colorado election website error exposes personal data of confidential voters
The Colorado Secretary of State’s Office says a system update accidentally lifted protections on confidential voter records, exposing dozens of voters’ personal information. The limit that normally blocks access to confidential voter profiles was inadvertently disabled during an update to the Find My Voter Registration Tool, briefly exposing personal information for 59 voters who had […]
Two dead, one injured in shooting at business in north Tulsa Friday morning
The Tulsa Police Department says two people are dead follwing a shooting at a business in north Tulsa.
Rep. Crockett says she’ll be campaigning ‘downballot’ instead of with Talarico
The congresswoman, who lost the primary Senate race to state Rep. James Talarico, did not mention him by name.
Jasmine Crockett has no plans to campaign for James Talarico
Jasmine Crockett tells Laura she will not be campaigning with James Talarico in the closely-watched Senate race in Texas. Crockett says she’ll be supporting down ballot candidates in the midterms who are often overshadowed.
Hugging Face says Microduck sales topped $2.6 million in 24 hours
The future of robotics can waddle. Hugging Face said its bot-maker, Pollen Robotics, recorded over $2.6 million in sales of Microducks in 24 hours.
Warsh says inflation still too high, interest rates may need to be raised
He addressed global banking leaders and finance ministers Friday at the Jackson Hole Economic Symposium in Wyoming
Warsh says inflation still too high, interest rates may need to be raised
He addressed global banking leaders and finance ministers Friday at the Jackson Hole Economic Symposium in Wyoming
DPSCD board addresses funding gaps between sports teams
The Detroit school district provides $200 in funding for each K-8 sports team. That’s not enough, says DPSCD Board President LaTrice McClendon.
U.S. added 79,000 fewer jobs in 12 months through March, BLS says
The U.S. economy likely created 79,000 fewer jobs in the 12 months through March than previously estimated, the government said on Friday.
iPhone 18 Pro pre-orders could kick off slightly later than usual
iPhone 18 Pro will be unveiled on September 9, and a new report says pre-orders for the device will kick off slightly later than usual.
Rockstar says GTA 6 runs at 30 FPS, while it's reportedly unsure about a 60 FPS performance mode
The GTA 6 extended look trailer was apparently captured on PS5. Maybe that's why people noticed some frame-rate choppiness. But what FPS will it run at?
Judge says Pentagon's measures against Anthropic were 'illegal and baseless'
The government labeled the company a supply chain risk earlier this year
Judge says Pentagon's measures against Anthropic were 'illegal and baseless'
The government labeled the company a supply chain risk earlier this year
New Irvine hospital is a dream fulfilled | UCI Health
Dr. Thomas Cesario was a practicing UC Irvine School of Medicine physician even before the University of California bought the old Orange County medical center in 1976. After decades of pushing to get a modern hospital built on Irvine campus, he has finally seen that dream fulfilled. "We fought to have this hospital built for over 50 years, and a lot of sweat and anxiety went into that effort,” says the 86-year-old former medical school dean. “I'm thrilled that it’s now finally here."
Rock legend says 2026 is his last year after more than 5 decades performing
Time is running out to see this legendary performer in person.
TN Politics: Some county legal fees come due; MLGW wraps up storm restoration
Legal expenses for the MSCS takeover and Wanda Halbert litigations should advise future intra-government battles, says Otis Sanford.
GTA has always raised anxieties over video games and violence—here’s what the science actually says
The evidence in favor of and against video games promoting aggressive behavior is murkier than you might think
PaperCut Zero-Day Exploited in Attacks, Affecting All NG and MF Versions
PaperCut says a zero-day affecting all NG and MF versions is actively exploited; emergency patches are available for v25 and v26.
Massive lettuce-linked outbreak expands to 3 more states with over 11,000 illnesses
The FDA says the cyclosporiasis outbreak linked to iceberg lettuce from Taylor Farms de Mexico has now spread to Georgia, Tennessee and Texas.
Mark Carney says Lake Ontario's historic name is here to stay
President Donald Trump has signed an executive order that he said would "immediately" rename Lake Ontario to "Lake America."
When Bill Gates talks world-changing computer technology, people listen. Have you heard what he’s saying about AI in healthcare?
“Bill Gates warns ‘there is no plan’ for the ‘upheaval’ AI will cause.” … “Bill Gates says AI will either be ‘greatest equalizer’ or ‘worst source of injustice’” … “Bill Gates is deeply worried about AI—and he’s no longer staying quiet” ...
Laser-wielding mosquito killer hits market promising to track and zap backyard pests midair
Photon Matrix says its laser mosquito zapper uses lidar, radar and AI vision to detect and eliminate mosquitoes midair, but the device costs nearly $1,000.
Congo begins Ebola vaccinations to fight country’s worst outbreak in history, health minister says
The vaccination campaign was officially launched in Kisangani, the capital of Tshopo province, in the country’s east, Health Minister Roger Kamba said.
Two people with measles died in Pennsylvania. Misinformation and politics erupted.
The state Health Department said an infant’s death was associated with measles. The county coroner says the baby with measles died of a ruptured spleen.
UK business confidence hits highest since March, Lloyds says
British businesses turned the most confident since March this month, bolstered by a rosier view of the economy, according to a survey that echoes other signs of an improving outlook.
UK business confidence hits highest since March, Lloyds says
LONDON, Aug 28 (Reuters) - British businesses turned the most confident since March this month, bolstered by a rosier view of the economy, according to a survey that echoes other signs of an improving
The Literacy Crisis Reaches Dog-Bear Science
“New analysis of more than 300 bear encounters suggests our canine companions often increase odds of conflict and rarely serve as early warning systems many recreationists assume,” reads a subhead in Mountain Journal. The thing is, that study reaches no such conclusion. But you have to read beyond the abstract to understand that. Mountain Journal is not alone. Let’s look at a brief list of takeaways published elsewhere just to establish that none of them seem to know how to read science. Wes Siler’s Newsletter is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe Here’s CBC: “A new peer-reviewed study, The Canine Conundrum: Is a Dog a Help or Hindrance in Bear Country?, dug into conflicts similar to what the video depicts, by analyzing 326 reported human-bear conflicts from 1901 to 2023 involving dogs.” “The study found 54 per cent of conflicts were started by dogs. In the encounters researchers included in the study, five people and 56 dogs were killed, and 170 people were injured.” “Lana Ciarniello, an independent researcher who co-authored the study, said researchers found when a person goes hiking with at least one other person, the odds of a negative bear encounter decrease by 50 per cent.” “However, when a dog is involved, the chances of a negative bear encounter increase because ‘a dog really adds a chaotic factor into the mix of recreation,’ said Ciarniello.” Again, the study finds no data supporting that conclusion. “Hiking with your pet dog may make you feel safer in bear country—but a hiker’s recent encounter and a new study prove that the numbers don’t add up,” writes Backpacker, which is now part of Outside. The numbers don’t add up to support this take. There’s plenty more examples, but all are equally dumb, so I’ll stop there. How did so many people get this so wrong? Three reasons: 1) the study is published behind a paywall, with only the abstract freely available. 2) the methodology sets out to create work relevant to a hyper-specific audience, not the public. And 3) the dataset studied is almost absurdly limited and doesn’t bear (get it?!) comparison to wider information. Let’s work through all three. The Problem is Money I understand the irony, since I’m writing about this on a subscription-model newsletter, but information wants to be free. The study is published by The Wildlife Society and costs $16 to access. Reprinting it is specifically prohibited by the terms of use, so I can only share snippets and my conclusions with you here. Having worked as a journalist for 24 years, I can report with some authority that journalists are both lazy and cheap. I don’t think it’s a stretch to say that much of the material you’re seeing written about this study is drawn from the freely-available abstract (above) only, and not a deep dive into its methodology or data. And that’s a problem, because abstracts are where researchers are able to break from their numbers and editorialize their opinions about conclusions. So what’s getting reported isn’t based on numbers, it’s based on an opinion designed for a specific audience, not the general public. Hell yeah ladies, kick that bear’s ass. The Methodology is Designed to Support a Predetermined Conclusion One of the biggest issues with the science that everyone likes to cite about bear spray’s efficacy is that no one understands that study was designed for a specific audience, looking for a specific answer. And since that audience is not the public, and our safety was not the question being asked, its conclusion is rendered irrelevant to our needs. Yes, I’m talking about Efficacy of Bear Deterrent Spray in Alaska, which was created by Tom Smith and Stephen Herrero, two of the same scientists who put together this dog-bear conflict analysis. In the spray study, the purpose was to present relevant agencies with the information they needed to issue their field workers with bear spray. As such, incidents where people were unable to access the spray or similarly failed to get it deployed in time were excluded from the results, and only incidents they deemed successful were included. Could a ranger roll down their vehicle’s window and scare a bear away from a dumpster by spraying it? Turns out the answer was yes, and that was good enough for the purposes of that study. The sample size of actual bear attacks—the thing you and I would want bear spray to provide a solution to, was too small to draw conclusions from, and didn’t indicate success in that role. Is a Dog a Help or Hindrance in Bear Country? has similar limitations. “Insights provided here are intended to help wildlife managers create effective guidelines regarding the presence of domestic dogs in bear habitat,” is explained clearly by the study’s text. To conduct the study, Smith and Herrero went looking for publicly available reports of dog-bear conflicts: “All incidents included in our analysis involved at least one bear, one dog, and one person who was at immediate risk of injury (e.g., not in a protective structure such as a cabin or vehicle), injured, or killed,” explains the report’s methodology. Why is that a problem? “We recognize that data used in this study are biased in that people generally only report adverse interactions with bears, not benign ones. Consequently, we assume that for the most part, people and their dogs pass through bear country without incident.” As was the problem with the bear spray study, people are drawing conclusions here from a study that was never intended to be relevant to the general public. The Smith-Herrero database famously excludes Alaska’s Defense of Life and Property records, which are elsewhere considered the largest and most authoritative source on human-bear conflict. The Dataset is Absurdly Limited A 2009 study conducted by the Washington Department of Fish & Wildlife estimates that each year there are at least 43,000 documented complaints of human-bear conflict across North America. Is a Dog a Help or Hindrance in Bear Country? Examined those reports for years ranging from 1901 to 2023, and only managed to find 326 such incidents that met the criteria explained above. Let’s do some quick math, poorly. 43,000 incidents x 122 years = 5,246,000 total incidents of documented human-bear conflict. Smith and Herrero were only able to find 326 incidents that met their criteria for dog+human+bear+risk or occurrence of injury. That means there’s a 0.006 percent chance that the study’s conclusion—that dogs make bear encounters more dangerous—even gets a chance of occurring. And remember, that’s only in documented conflicts. There’s no way to know how many people across North America run into a bear in any given year without any conflict, but it’s probably safe to assume that the total number is well in excess of 43,000. And, dig deeper into the study and you can find further restrictions that skew its conclusions even more. “While the people involved in these incidents did not report the level of training their dogs had received, it is our assumption that most were untrained companion dogs as opposed to well-trained bear dogs, such as Karelians and livestock guardian breeds that have proven to be significant aids in bear country,” the study’s methodology explains. And that’s a problem, because an ongoing study here in Montana is finding that the simple presence of a Kangal like our youngest dog Teddy can reduce visits to private property from grizzly bears by 87.8 percent. In addition to being a badass, Teddy is also a companion animal. And in my admittedly limited sample size of the three dogs currently present in our living room, she’s no more effective than her mutt brothers. Plenty of people own a dog capable of deterring bears, even if they didn’t set out to own a bear dog. The real purpose of this study appears to be a recommendation that leashes are mandated and recreationists pursue training in their deterrent of choice. But that doesn’t make for sensational headlines. Are There Any Real Takeaways Here? Let’s throw some numbers around, just to try and get our hands around what the larger picture might look like for bears and dogs here. The American Veterinary Medical Association estimates that 42.6 percent of American households own a dog. The Canadian Animal Health Institute says roughly 35 percent of households in Canuckistan own a dog. In an attempt to create the worst possible result for dogs, let’s run with that 35 percent number. And given that outdoorsy and rural people are more likely to both own a dog, and have bear encounters, let’s just make a giant assumption and apply that number to those 43,000 conflicts documented annually. If 35 percent of 43,000 human-bear encounters involve a dog, then we can assume that at least 15,050 dog-bear conflicts are occurring annually in North America. 15,050 x 122 = 1,836,100. Smith and Herrero were only able to find 326 incidents that met their human, dog, chance or occurrence of injury criteria across 122 years. And only 170 documented human injuries. So, with all the obvious caveats about these numbers in no way describing reality beyond narrow study parameters, what they actually found is that your risk of injury if your dog tangles with a bear is only 0.009 percent. I’ll take those odds next time I’m hiking my dogs in bear country. Top photo: “Superintendent Horace Albright, eating pancakes with bears, at Lake Lodge, Yellowstone National Park.” NPS. A journalist with more than two decades of experience working around the world, Wes Siler is here to cut through the outrage and disinformation to bring you the factual, insightful, actionable reporting you need to understand what’s going on. Upgrading to a paid subscription supports this reporting, and buys personal access to Wes, who will help you save money on gear, plan outdoor adventures, and prepare for real life, and who promises he’s less salty in real life than he sometimes comes across as on the Internet. Wes Siler’s Newsletter is a reader-supported publication. 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