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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
Opposition Lowdown: Mansfield Town Starting Season Strong
Reading return home this Wednesday with an evening game under the lights of the SCL, facing Mansfield. Join us as we take a closer look at the opposition.
The Five Questions You Should Ask Before Believing the ‘Science of Math’ (Opinion)
Here’s why we should be wary of people claiming to have found the next ‘science of reading.’
Risky science: why connecting research to application matters
There is not much benefit in producing science that just sits on a shelf. Effective science must extend beyond publication and address real-world needs argues Lynn Johnston, a Forest Fire Research Specialist with Natural Resources Canada and the Canadian Forest Service, in an editorial for the International Journal of Wildland Fire. While reading journal articles […]
Cat Tests Positive for Rabies in Chatham County
CHATHAM COUNTY, GA – The Chatham County Health Department’s Environmental Health office is alerting the community that a cat... Continue Reading This Post
Streaming, Studio Entertainment Stock Prices Surged in August
It was a good month for entertainment stocks in August, led by Paramount, which saw its share price surge nearly 39% as Wall Street processed the long-term potential of its upcoming merger integration with Warner Bros. Discovery, despite some grinding regulatory reviews. At the same time, WBD saw its once-morbid (pre-asset sale) stock price increase … Continue reading "Streaming, Studio Entertainment Stock Prices Surged in August"
4 Compact Tablets Perfect For Reading And Entertainment
Compact tablets strike the perfect balance between immersive entertainment and portability, so we've picked some great options from Apple, Lenovo, and Samsung.
Canada claps back at Trump's efforts to rename Lake Ontario as 'Lake America'
Ontario Premier Doug Ford has unveiled a giant billboard reading: "Lake Ontario — Now and Always." But tech giant Google has said it is renaming the lake for U.S. users, as President Trump demanded.
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.
AI chatbots may be better than search engines in guarding against foreign propaganda
In a test, popular AI chatbots mostly debunked falsehoods spread by other countries and avoided uncritically spreading falsehoods better than search engines. AI summaries above search results fared worse.
“I always love spreading knowledge of the game, and …
“I always love spreading knowledge of the game, and …
Digital technologies reshape clinical research and public health
JMIR Publications this week released seven feature News and Perspectives articles covering how digital tools are transforming clinical research, public health readiness, health care institutions, and consumer choices.
Heartflow tech limits unnecessary catheterizations in patients with suspected CAD
AI-powered software from Heartflow can provide cath labs with a lot of value, according to new late-breaking data presented at ESC Congress 2026.
Lonergan named to endowed chair in glass science
Kim Day, president of the TKD Foundation, poses with Dr. Charmayne Lonergan, the inaugural Richard K. Brow Chair of Glass Science. Photo by Andrew Layton/Missouri S&T Dr. Charmayne Lonergan has been named the inaugural Richard K. Brow Chair of Glass Science at Missouri University of Science and Technology, effective Sept. 1. Lonergan is currently a...Continue Reading Lonergan named to endowed chair in glass science
Chautauqua County Health Department warns residents about measles
BUFFALO, N.Y. (WIVB) — The Chautauqua County Health Department is warning residents about measles cases spreading across Western New York, Ohio and Pennsylvania. Measles is highly contagious.…
Navy Medicine Advances Operational Health IT for Distributed Maritime Operations
CHESAPEAKE, Va. —Navy Medicine leaders, Fleet representatives, and operational health IT experts convened to accelerate the fielding of medical information capabilities designed to support patient movement, medical logistics and force readiness across distributed maritime operations, August 24-28. Hosted by The Bureau of Medicine and Surgery (BUMED) in Chesapeake, Virginia, the five-day Operational Health Information Technology Fielding Summit served to build upon work that began in 2024 and 2025, to refine Joint Operational Medicine Information Systems (JOMIS) software delivery, implementation, and training.
Florence Harding Photographed Taught Me About Women Partaking in Politics
What would Florence Kling Harding think now? A week or so ago when I cast my ballot at my designated polling place this thought crossed my mind. I imagine the former first lady would be pleased about how routine voting has become for women in the United States. But perhaps she would not be satisfied. Today, a published essay I wrote for In Pursuit spotlights a lesson in leadership demonstrated by First Lady Florence Harding. In my research, I discovered there’s a lot to be said about this strong female historic figure. But it was the blurry photograph capturing Mrs. Harding voting for her husband Warren G. Harding, one of two presidential candidates from Ohio, on Nov. 2, 1920—Election Day—that drew my attention. It was the first presidential election held in the United States after the ratification and certification of the 19th Amendment, granting women the right to vote. Its 106th anniversary was marked on Wednesday. I remember thinking what a shame it was that her presence in the image was imperfect while the mostly men surrounding her were in sharp focus. Perhaps cynically I thought, “No surprise!” On further examination, though, the clear reaction of the people surrounding Mrs. Harding was equally important. In that snapshot of time, many of their expressions were serious. One man stood elevated above the rest with a slight smile as he caught a glimpse of history. Mr. Harding hovered over his wife’s shoulder closely observing the last seconds of her vote being cast. Their gazes were locked in on who would hours later become first lady. Subscribe The attention she drew is worth noting, mostly because, as I learned, Mrs. Harding understood the power her image could have on women across the country. She and I share in common a career in newspapers—hers the business side and mine on the editorial side. Nevertheless, it became clear to me as I write in the essay that she understood if she was seen voting, other women would follow suit. That wouldn’t necessarily be the case in that 1920 election, though, Karen Kedrowski, the director of the Carrie Chapman Catt Center for Women and Politics at Iowa State University, explained to me. Florence Harding was a suffrage advocate. But, suffrage was a contentious issue and women were far from united at the time of the election. In fact, a substantial number of women and active anti-suffrage organizations thought women participating in elections was a “bad idea and antithetical to their roles in the private sphere as mothers and homemakers,” Kedrowski said, adding that women were also viewed as the moral compass for their husbands and sons. If women got involved in politics they would become contaminated by it. Suffragists, on the other hand, wanted to bring that moral presence into politics to help clean things up. Only about 30% of women voted in that 1920 presidential election. That was a start. More than 100 years later in the 2024 presidential election, 66.9% of eligible women voted (91.3 million), compared to 63.7% of men who voted (82.6 million), according to the League of Women Voters. Yes, Florence Harding would be pleased. Subscribe That imperfect Election Day image was important symbolism about women’s potential during what was known as the “Modern Woman” era and the growing public role women were taking in the 1920s. I imagine Florence Harding might agree with other succeeding first ladies when it comes to gender equality and the importance of the vote. Like Michelle Obama when she said in her memoir Becoming, “We all play a role in this democracy. We need to remember the power of every vote.” Or Hillary Clinton during her unsuccessful run for president in 2016 when she remarked on International Women’s Day: “We celebrate the progress we’ve made to advance the full participation of women in economies and societies. And most importantly, we recommit to finishing the unfinished work that remains …” I hope if you are reading this, you will also read my essay on Florence Harding’s leadership lesson for In Pursuit. And perhaps that will move you to dig deeper and read more about Florence Harding’s life circumstances in biographies like First Lady Florence Harding: Behind the Tragedy and Controversy by Katherine A. S. Sibley. No, I do not think Florence Harding would be satisfied despite how far women have come from that day she first entered her polling place. She once wrote to the Camp Fire Girls, “The part that women play in the world has been greatly changed … It has been broadened and enlarged …” It has. And as women continue to engage in civics it continues to be. I imagine Florence Harding would want women to keep meeting the moment. Read the In Pursuit essay Watch on C-SPAN Share East Wing Magazine is a reader-supported publication. To receive new posts and support our work, consider becoming a free or paid subscriber. Subscribe
Dolly’s generosity to Vanderbilt Health highlighted; reading test results before your doctor has a chance; staying healthy this fall; plus other stories with Vanderbilt Health sources
Dolly Parton’s generosity to Vanderbilt Health was mentioned in many of her obituaries. A sampling: The New York Times, the BBC, NPR, NBC News, The Guardian, and Scripps News. Vanderbilt Health News posted a tribute to her, as well, and Mark Denison, MD, Professor Emeritus of Pediatrics and former director of the Division of Pediatric Infectious Diseases, spoke to NewsNation for a story about her impact on his research. Everyday Health interviewed Trent Rosenbloom, MD, MPH, Professor of Biomedical Informatics, for a story about a new JAMA study that found two-thirds of patients read test results before connecting with a doctor. Comprehension of test results varied: 6.6 percent said they had a poor understanding, 26.8 percent understood the results fairly well, 31.7 percent understood them well, and 34.9 percent understood the results very well. William Schaffner, MD, Professor of Preventive Medicine, was quoted by several news outlets about public health issues, including: Healthline (cyclosporiasis cases now in 47 states); “The Naked Scientists” podcast (salmonella outbreak sickens hundreds); Medscape (the lighter-than-usual just-completed Australian flu season); and People (how to stay healthy this fall). Scripps News interviewed Jessica Young, MD, Associate Professor of Clinical Obstetrics and Gynecology, about Vanderbilt researchers launching a study to determine if GLP-1 drugs can help people with opioid use disorder. WSMV Channel 4 News reporter Diana Rocco interviewed Kashish Goel, MBBS, Associate Professor of Medicine and Director of Transcatheter Heart Valve Interventions, for a story about patient Dixie Watt and her minimally invasive valve replacement with the M3 device, the first Food and Drug Administration-approved transseptal transcatheter mitral valve replacement. Fogarty International Center writer/editor Susan Scutti interviewed John Koethe, MD, Associate Professor of Medicine, Division of Infectious Disease, for a profile article for their newsletter, Global Health Matters. The article presents him as an example of a Fogarty Fellow success story and focus on his past and present research, including the HIV/AIDS research he conducted for his Fogarty project at the Centre for Infectious Diseases Research in Zambia in 2008 and 2009.
Best Buy Quarterly Entertainment Revenue Drops 6.3%
Best Buy Aug. 27 reported a 6.3% drop in second-quarter (ended Aug. 1) same-store entertainment sales, compared with a 39.3% surge in the previous-year period. The entertainment segment, which includes video game hardware and software, books, music CDs and computer software, saw revenue of $571.41 million, or 6% of Best Buy’s domestic revenue of $9 … Continue reading "Best Buy Quarterly Entertainment Revenue Drops 6.3%"
Best Buy Quarterly Entertainment Revenue Drops 6.3%
Best Buy Aug. 27 reported a 6.3% drop in second-quarter (ended Aug. 1) same-store entertainment sales, compared with a 39.3% surge in the previous-year period. The entertainment segment, which includes video game hardware and software, books, music CDs and computer software, saw revenue of $571.41 million, or 6% of Best Buy’s domestic revenue of $9 … Continue reading "Best Buy Quarterly Entertainment Revenue Drops 6.3%"
Students ‘cracking the code’ as GRPS expands science of reading instruction
Students at Grand Rapids Public Schools are learning reading "codes" as the district expands its science of reading approach. (Aug. 27, 2026)
Students ‘cracking the code’ as GRPS expands science of reading instruction
Cleo Murphy is starting second grade at Mulick Park Elementary in Grand Rapids, but she can explain one reading rule better than most adults.
Vikings Make Stunning Move in Preseason Camp
Veteran Carson Wentz is splitting second-team reps with J.J. McCarthy, signaling a high-stakes battle for the backup role as Minnesota questions the young signal-caller’s immediate NFL readiness.
Nelson County SOL pass rates rise in math, reading and science, new scores show
New Standards of Learning test scores from the 2025-2026 school year show students in Nelson County are improving across multiple subjects.
Round out your summer reading with these 4 thrillers and mysteries
In these four darkly funny and deeply unsettling novels, obsession loosens buried secrets and accountability rarely lands where it should.
Emplify Health by Bellin clinics boost brain development for kids through reading
WLUK FOX 11 is your source for Balanced News and Severe Weather Coverage for Appleton, Shawano, Sturgeon Bay, Kewaunee, Two Rivers, New London, Bonduel, Pulaski, Suamico, Menasha, Neenah, Shiocton, Ashwaubenon, Algoma, Mishicot and Wrightstown.
Reading the Mud: How the Science Museum Looks Into the Past to Guide Freshwater’s Future
The Science Museum of Minnesota’s world-renowned St. Croix Watershed Research Station is a global leader in freshwater sediment core research.
On Happiness, Politics, Language and the Universe: The Week 10 Winners of Our Summer Reading Contest
As our contest comes to a close, we honor a video and three essays, and hear reflections on this year’s submissions from our judges.
Health: The DRC Ebola Outbreak Is Spreading At A Rapid Pace. Why?
The current Ebola outbreak in the Democratic Republic of the Congo is the deadliest in the country’s history.With over 2,500 deaths and more than 5,000 confirmed cases, it’s now the second largest ever worldwide. And it’s spreading at record speed. It’s even outpacing the West Africa outbreak that killed more than 11,000 people between 2014 and 2016.What do we know about why this outbreak is moving so quickly?Find more of our programs online. Listen to 1A sponsor-free by signing up for 1A+ at plus.npr.org/the1a.
GTA VI keeps cyberleeking, with trips to the club, a used game store, and the beach.
A new round of leaked video clips has surfaced, and they appear to show that the well-populated areas from Rockstar’s trailers will be featured in the actual game. Like all of the leaked gameplay before, they feature only the Jason character, walking through a crowded nightclub, and cycling down a beach. The last clip takes him to “Game Horde” with plenty of used PS5s and physical copies of games lining the shelves, readily available for rental or trade, even if GTA VI won’t be. [Image: https://platform.theverge.com/wp-content/uploads/sites/2/2026/08/Screenshot-2026-08-25-135930.png?quality=90&strip=all]
Q&A: The Works, Inc. on climate, health and why community development in Memphis must be holistic
The Works, Inc. is helping redefine what community development looks like in Memphis, one of four focus cities where Kresge does long-term, place-based work. The Works’ comprehensive neighborhood revitalization and community development efforts in historically underserved Memphis neighborhoods strengthen pathways to stronger, safer communities for families. This looks like affordable housing programs, food security programs, … Continue reading Q&A: The Works, Inc. on climate, health and why community development in Memphis must be holistic
Making career readiness part of the science student experience
Drawing from career development theory, educational research and principles of scientific inquiry, Christina Igl developed a series of interconnected career frameworks that guide students to evaluate opportunities, reflect on experiences and make informed decisions over time.
H2F Proponency Transitions to the MCoE advancing the Army’s Holistic Health and Fitness System
The H2F System continues to evolve as the US Army’s primary investment in Soldier readiness and lethality and is now aligned under the new Transformatio...
The art and science of leadership: AMEDD Civilian Corps chief shares lessons with Team BJACH
Joseph “Chris” Rheney, chief of the Army Medical Department Civilian Corps, visited Bayne-Jones Army Community Hospital Aug. 21 to share his "TRUTH" leadership philosophy with the military and civilian workforce. During an interactive leader professional development session, Rheney emphasized the critical role of emotional intelligence, relationship building, and empowering civilian employees to ensure long-term readiness and success across Army Medicine.
Bird flu is spreading. Your backyard feeder could make it worse
Backyard bird feeders could become unexpected hotspots for H5N1 as Australia’s bird flu outbreak spreads, bringing species together in ways that rarely occur naturally. Experts say stopping feeding is safest, while smaller amounts of food, no hand-feeding, and careful cleaning can reduce the danger.
Reading Chamber Launches AI That Delivers: Insights From Berks Business Leaders
Skip the buzzwords and join the Greater Reading Chamber Alliance on Friday, Oct. 2, at Redner's Event Center for a morning of real conversations with Berks County business leaders who are putting AI to work every day.
Journalism Can Help Expose Bad Science And Trigger Real-World Change, New Study Shows
Thanks for reading.
Sharing Stories About Author Philip K. Dick at Saturday CSUF Science Fiction Festival
The Philip K. Dick Festival 2026 took place over four days and included panels, lectures, readings, and film screenings split between CSUF’s library and the Fullerton Marriott.
The Watch: Parkinson’s Risk Higher Near Dry Cleaners
Chemicals from dry cleaners can break down, contaminate buildings, expose residents…wildfire pollution spreading into waterways…cases of silicosis lung disease likely underestimated…and more
The No. 1 Weekend Hobby The Smartest People Indulge In, By A Psychologist
Psychologists find the least productive weekend habit—reading a novel with no goal—quietly trains the reading of other minds and comfort with ambiguity.
Bipartisan Energy Politics | Reading and Podcast Picks
Reading and Podcast Picks is a collection of what we’ve been reading and listening to over the last week or so about energy topics. In addition to these R&P Picks, paid subscribers receive access to the full archives, Grid Roundups, and select episodes of the Energy Capital Podcast. Please subscribe today. Texans, legislators debate transmission lines at hearing | Texas Tribune “Republican legislators, Democratic statewide candidates, landowners from rural Texas and environmentalists” alike joined together Wednesday to protest the buildout of 765-kV lines across the state. At the protest and nine-hour hearing that followed, lawmakers heard a variety of recommendations, including from local officials arguing for more local control of data center proposals and more time to reform the process behind approving transmission lines across Texas. Though discussed in separate hearings, landowners and protesters said the issues are connected… Regulators have already been working through a new way to decide how much of the cost of building new transmission lines needs to be paid for by individuals and how much needs to be paid for by companies such as data centers. Experts said they believe the new system will lower the burden on residential consumers relative to the industrial groups. Data-Center Backlash Leads to New Land Rush in Texas Oil Patch | The Wall Street Journal While the data center protests rage, investors converge on the Permian Basin to build data centers powered by cheap natural gas. “A lot of places you see all over the country they’re worried about water, they’re worried about power, they’re worried about transmission, and the Permian has all of those things in spades,” said EagleRock Chief Executive Greg Pipkin Jr. Dallas-Fort Worth Dethrones Virginia as the World’s Top Data Center Market | Dallas Innovates Two reports show growth in North Texas data centers despite political concerns about the industry. Boasting five highly ranked data center markets, Texas is experiencing an explosion of data center activity. Long anchored by the DFW market, “the state is growing at a pace that could soon bring total installed capacity in line with — and potentially beyond — that of Virginia,” the Cushman & Wakefield report said. A new report from commercial real estate services provider JLL takes a slightly different view, anointing Texas the top data center market in North America. Texas eclipsed longtime frontrunner Virginia based on the level of existing and under-construction data center inventory in the state as measured by gigawatt capacity. A gigawatt equals 1 billion watts.
August is Children’s Eye Health and Safety Month
Protecting your child’s vision starts early.
The Weekly Bobbins: Nothing New Under The Sun
A closer look at Reading’s 0-0 at AFC Wimbledon from Bobbins.
New LA County program offers assistance to small businesses
The Clinic will help small businesses strengthen financial resilience through coaching, financial education, capital readiness and debt management support.
In 2011, scientists injected yellow-green fluorescein dye into Maui’s wastewater wells; 84 days later, it appeared near the Pacific, supporting an underground wastewater connection
For years, environmental groups and residents near Lahaina, Maui, suspected that treated wastewater pumped underground was somehow finding its way into the Pacific Ocean, a concern later confirmed by a University of Hawaii tracer study that Earthjustice and other groups cited in their legal campaign against Maui County’s disposal practices. Divers had documented unusual submarine springs bubbling up off Kahekili Beach Park as early as 2007, and elevated nitrogen isotope readings in nearby macroalgae hinted that these springs carried something other than ordinary groundwater, according to USGS-led research on nearshore groundwater discharge at the site.
‘Reading Rainbow’ Host Mychal Threets Shares Health Update After ‘5-Day Psychiatric Hold,’ Says Doctors ‘Saved My Life’
Mychal Threets revealed in a video on Threads on Aug. 22 that he was hospitalized for five days on a ‘psychiatric hold’ and thanked medical staff for saving his life.
How the bipartisan data center backlash could reshape politics nationwide
Bipartisan backlash to data centers is spreading nationwide. How could the panicked political response carry lasting consequences? Plus, Democratic socialist Angie Nixon’s upset in the Florida Demo…
Mental Health Is a Warfighting Readiness Problem for the U.S. Navy
“You cannot be at mental peace always. You will be worried. So even my family — they are scared all the time, and they were anxiously praying the vessel
AI may know how you’ll respond to a vaccine before you get it
AI may be able to predict how strongly someone will respond to a vaccine before they receive it. By analyzing antibody patterns in more than 4,000 people, researchers found signs of “immune readiness” that helped distinguish strong responders from weak ones. Surprisingly, even some healthy people responded poorly, while some immunosuppressed people mounted strong responses.
4 Tests To Pass Before You Take Your Side Hustle Full-Time
Wondering when to turn your side hustle into a full-time business? Use four tests to assess demand, economics, career fit and your readiness to pivot.
Mortgage rates fall for second consecutive week
The average rate on a 30-year fixed mortgage fell this week to 6.65%, according to the latest Freddie Mac data released Thursday. That is down from last week's reading of 6.67%.
Munson Army Health Center open house connects beneficiaries with healthcare services
FORT LEAVENWORTH, Kansas — Fort Leavenworth community members visited Munson Army Health Center Aug. 12 for “Operation Know Your MTF,” an open house designed to connect service members, military families and retirees with healthcare, readiness and support services.
Reading Isn’t Rocket Science… But In This Case…
While Hackaday’s bread and butter is, of course, hacks, we sometimes cover things that most of us are interested in that are probably out of reach for the typical hacker. Space, for example, …
PENN Entertainment announces plans for Boomtown Casino New Orleans property
The Berks firm plans to relocate and rebrand the casino operations.
First Reading. Then Math. Is the 'Science of Writing' Next?
Integrating reading and writing can lead to better student outcomes in both areas, studies show.
Charlamagne tha God on Podcast, Being a Girl Dad, Mental Health
Radio royalty and New York Times bestselling author Charlamagne tha God joins TODAY’s Jenna Bush Hager and Sheinelle Jones to discuss his No.1 video podcast on Netflix, “The Breakfast Club” and share a story of working with Craig Melvin early in their careers. He also talks about the importance of reading, receiving a star on the Hollywood Walk of Fame, being a dad to four girls and his advocacy for mental health. Then, they play a game of “Charlamagne Sounds Off,” where he gives his hot takes to pop culture news.
'Michael' Remains Atop Weekly U.K. Home Entertainment Sales Chart Through Aug. 19
Lionsgate/Universal’s Michael Jackson biopic Michael continues its Official Film Chart run, spending a fifth non-consecutive week atop the weekly U.K. home entertainment sales chart through Aug. 19. Also making a return at No. 2 in its 10th week on the chart was Amazon MGM Studios’ Project Hail Mary, starring Ryan Gosling as science teacher who … Continue reading "‘Michael’ Remains Atop Weekly U.K. Home Entertainment Sales Chart Through Aug. 19"
'Michael' Remains Atop Weekly U.K. Home Entertainment Sales Chart Through Aug. 19
Lionsgate/Universal’s Michael Jackson music biopic Michael continues its Official Film Chart run, spending a fifth non-consecutive week atop the weekly U.K. home entertainment sales chart through Aug. 19. Also making a return at No. 2 in its 10th week on the chart is Amazon MGM Studios’Project Hail Mary, starring Ryan Gosling as science teacher who … Continue reading "‘Michael’ Remains Atop Weekly U.K. Home Entertainment Sales Chart Through Aug. 19"
‘Reading Rainbow’ star reveals plan to check into hospital: ‘I am not okay’
‘Reading Rainbow’ star Mychal Threets revealed his plan to check himself into a hospital. ‘I am not okay,’ he wrote on social media.
Flock CEO: Drones are our fastest-growing business
Flock, the license plate-reading company, is developing its drone business. CEO Garrett Langley says drones could help police and citizens stay safe.
Trump cast a mail ballot in Florida's primary despite spreading falsehoods about mail voting fraud
Each election, tens of millions of Americans vote by mail, and evidence from court records and studies shows only a tiny fraction of those ballots are fraudulent.
Why Pro Sports Teams Are Holding Back on Prediction Market Deals
Prediction market partnerships are spreading slowly among major U.S. sports teams as leagues await regulatory and legal clarity.
Rear Adm. Case Visits Naval Health Research Center, Underscores Importance of Warfighter Readiness
SAN DIEGO –Rear Adm. Matthew Case, Acting Surgeon General and chief, U.S. Navy Bureau of Medicine and Surgery, visited the Naval Health Research Center (NHRC) on August 7 to gain firsthand insight into the command's most recent research initiatives supporting warfighter health, readiness, resilience and recovery.
Paving the way for public health careers
UIC’s Pre-Health Academic Readiness Program prepares first-year students for campus life.
Enterprise AI Is Scaling Fastest Where Businesses Can Measure the Results
For all the attention paid to enterprise artificial intelligence strategy, adoption is not spreading evenly across the organization. According to findings
Why Vin Diesel 'was crying' reading the 'Fast Forever' script
The long-delayed "Fast 11" is making star Vin Diesel teary-eyed.
Three South Mississippi schools named Emerging Science of Reading Schools
State recognizes Pineville, Waveland and North Bay elementary schools for reading progress.
Three South Mississippi schools named Emerging Science of Reading Schools
The Mississippi Department of Education has named Pineville Elementary, Waveland Elementary and North Bay Elementary as Emerging Science of Reading Schools
Pass Christian elementary school named Emerging Science of Reading School for 2026-2027
Pineville Elementary in Pass Christian was named one of Mississippi’s emerging science of reading schools for the 2026-2027 academic year.
NFIB Small Business Optimism Index rises to highest level since August 2025
Small business optimism increased in July, with the National Federation of Independent Business (NFIB) Small Business Optimism Index rising 2.4 points to 99.8, above its 52-year average of 98.0. The reading marks the highest level since August 2025. Of the index’s 10 components, eight increased and two decreased. Hiring plans improved substantially and contributed the […]
Stephens College of Business Professional Sales Program Invited to Join Prestigious University Sales Center Alliance
The University of Montevallo Professional Sales Program in the Stephens College of Business has been invited to join the University Sales Center Alliance (USCA) as an Associate Member. USCA will formally recognize the Stephens College for this accomplishment at the USCA fall meeting Sept. 10-12 in Chicago. The University Sales Center Alliance mission is to provide… Continue reading Stephens College of Business Professional Sales Program Invited to Join Prestigious University Sales Center Alliance
Reddit begins testing a new audio and video experience, similar to popular TikTok videos
Reddit is beginning to test video and audio versions of popular posts, allowing users to watch or listen to Reddit stories instead of just reading them.
Pluto TV Bows 'Double Feature Fridays' Weekly Movie Promotion With 'Entertainment Tonight'
Pluto TV is rolling out a weekly classic movie promotion, “Double Feature Fridays,” with “Entertainment Tonight” beginning Aug 21. The free ad-supported streaming television (Fast) platform will pair a studio classic with a new indie title, streaming 8 p.m. Eastern Time. Each pairing is connected by shared talent, genre, or theme, and introduced through original … Continue reading "Pluto TV Bows ‘Double Feature Fridays’ Weekly Movie Promotion With ‘Entertainment Tonight’"
Hayden Panettiere Was Early Home Entertainment Video Star
Actress Hayden Panettiere, who died unexpectately Aug. 16 at the age of 36 in Greenville, S.C., leaves behind a film and TV career that got its start in the nascent home entertainment video industry in the early 2000s. Panettiere’s Hollywood star rose following memorable runs on NBC’s “Heroes” (2006 – 2010), and ABC/CMT’s music drama … Continue reading "Hayden Panettiere Was Early Home Entertainment Video Star"
Beyond the Buzz: How AI Is Rebuilding the Entertainment Industry
Walk the halls of any major media conference and you’ll find one topic that dominates the conversation. Artificial intelligence. It surfaces in discussions about content discovery, advertising, programming, localization, customer engagement, metadata, audience measurement, marketing and production. Regardless of whether the conversation begins with FAST channels, subscription streaming, connected television or advertising technology, it almost … Continue reading "Beyond the Buzz: How AI Is Rebuilding the Entertainment Industry"
Chinese brain-reading AI model may predict depression risk 4 years in advance
Scientists from Shenzhen University used data studying teenagers’ responses to facial expressions to identify possible warning signs.
The Weekly Bobbins: An Indefensible League Opener
Bobbins focuses on the defence, Lewis Wing’s role as captain and Reading’s overall balance in his post-Luton analysis.
Saturday Sports: Tim McCreadie inducted to Hall of Fame and more
Here’s a recap of your North Country sports this Saturday.
AI can ensure Florida’s small businesses remain competitive
AI readiness is not only about acquiring technology. It is about preparing people to use it well.
The Science of Reading and Teaching English Learners to Read Are Not Incompatible
Williams: Some advocates fear that the science of reading is a poor fit for English learners, but there are ways to make its practices work.
Opinion: The Science of Reading and Teaching English Learners to Read Are Not Incompatible
For all the noise and attention and — laudable — political energy behind it, the science of reading is not a thing. Or, rather, it is not a thing that schools can implement. The science of reading is ...
False claims about miscarriage risk from Covid-19 vaccines are spreading online. They use a faulty interpretation of data
Numerous studies have shown that Covid-19 vaccines are safe during pregnancy, but Republican lawmakers and Trump administration officials have recently stirred up false and misleading claims that are now spreading on social media.
This superbug's toll exceeds 3,400. How to protect your loved ones.
The Candida auris fungus is spreading. Here’s what to know about the superbug, who’s most at risk, symptoms and your next steps should be.
A New Phonics Debate Shows How the 'Science of Reading' Movement Is Evolving
Growing momentum behind 'linguistic' phonics has raised questions about how best to use classroom time.
AI needs science’s search history
“Actually, that’s where the gold is,” said Alasdair Russell, my graduate school friend who leads a pre-clinical genome editing group at Cambridge. He was talking about the winding road of science that is omitted from published papers. “When you’re discussing how to do the experiment, and why this way is better than another way, and what does the data really mean? I know what it shows, but what does it mean?” At RAAIS 2026, he described how his group has begun logging the twisting path of discovery as it happens, recording the verbal and written exchanges that normally disappear. Ideas become nodes in a living graph: they branch when a meeting produces two plausible experiments, merge when separate lines of evidence converge, and go dark when someone quietly stops pursuing them. In his implementation, one agent scores novelty, while another tries to learn “how scientists think and how they navigate through a complex world of data,” so that high-potential nodes can trigger deeper investigation. As frontier AI labs deploy agents toward scientific discovery, giving AI authentic scientific taste remains a trillion-dollar dilemma. The bottleneck is that the record we have kept for centuries of science might be insufficient to get us there. The experiments that never make the paper Peter Medawar, 1960 Nobel laureate and “father of transplantation,” asked in 1963 whether the scientific paper was a fraud, and answered yes: the form of the paper misrepresents the thinking that produced it. Sixty years on, the diagnosis is unchanged. A paper presents a clean progression from hypothesis to result to conclusion. Lost along the way are the unconventional theories, the abandoned or unaffordable methods, and the underwhelming and inconclusive data. It reads like a browser history with every dead end deleted: the ten open tabs, the four rephrased queries, the wrong turn down a subforum. All scrubbed, leaving one clean path from question to answer as the canonical path. What has changed since then is that the discarded material is now worth something. No high-impact journal wants these artifacts, but raw trial and error is the most likely source of the training data required to develop scientific intuition, or what researchers call taste. Earlier attempts to capture the discards were motivated by scientific integrity. The Journal of Negative Results in Biomedicine launched in 2002 to publish rigorous studies that disputed established models or exposed ineffective treatments. Its archive preserved negative conclusions after they had become papers, rather than the live alternatives and arguments that produced them. BioMed Central closed it in 2017, saying the mission had been served now that other journals publish null results. A less generous reading is that in fifteen years it published around 200 papers because almost nobody wants to read a negative result, let alone write one up when it will not count toward academic tenure. AI models are different. Even an uninteresting negative result can be useful, provided it is labeled. Earlier this year, Anthropic put a version of this to the test. The company pulled 129 decision points from real Claude Code sessions between January and March 2026, showed models the work up to a human detour, and asked what should happen next. Claude Mythos Preview beat the human choice 64% of the time, while Opus 4.5 managed 51%. The comparison was tilted toward the models because Anthropic deliberately chose moments where the human decision had room for improvement. On 127 further scenarios where the human action was already strong, the models improved on it only about 20% of the time. The study was possible because Anthropic’s researchers work inside a tool that logs by default. The reasoning, detours and outcome are produced in the same working environment. Biology has no equivalent. Its reasoning happens in hallways, at benches, in Slack threads and on whiteboards, while the outcome arrives weeks later somewhere else. The record has to emerge from the work itself. Ask scientists to reconstruct it afterwards and we’ll create another polished account. Subscribe A log is not a label Before any of this becomes training data, a negative result has to say what failed. The first paper published in the Journal of Negative Results in Biomedicine examined 234 negative studies across five leading medical journals. Only 30% discussed statistical power, and half clearly defined a primary outcome. Tell a model an experiment failed, without telling it whether the assay was underpowered, a reagent had degraded, or the hypothesis was simply wrong, and it will learn noise with confidence. Decision histories have a second missing label too. When a lab considers five experiments and runs one, only the chosen branch returns an outcome. The other four are experimental counterfactuals. Researchers call this the selective labels problem: the data reveal results only for the actions someone chose to take. Such a record can teach a model to imitate a lab’s taste, but it cannot establish that the taste was good. It also smuggles local constraints into general lessons. A lab that never ran cryo-EM because it did not own a microscope teaches a model that cryo-EM is rarely the right call. Alasdair’s nodes preserve the candidate set, which is the necessary first step. To be useful, each decision record needs six fields: The evidence available at that moment, and nothing that arrived later. The candidates considered, including the ones dismissed in a sentence. For each candidate: the expected result, the confidence attached to it, and the cost in time and money. The route chosen, and the reason. What happened next. How the evidence changed the scientist’s view. These must be timestamped before the outcome, because hindsight turns uncertainty into inevitability. Disagreement also has to survive. Averaging three scientists into one clean rationale reproduces exactly the information loss we are trying to fix. But there is an obvious failure mode here. Once decisions are logged and scored, people log for the record post-facto. Anyone who has watched an electronic lab notebook fill up with retrospective tidying knows how quickly a research tool becomes a compliance exercise. A record that costs a scientist ten minutes of honest reflection per decision is worth far more than one that costs an hour of performance. A publication initiative called Registered Reports offers a useful starting point. Here, researchers submit their rationale, methods and analysis plan for peer review before the data exist, and the journal commits in principle to publish if they follow the approved plan. Nature has now expanded the format across every field it covers. This approach to paper writing timestamps intent before the outcome, but it freezes one plan. A useful search history must also preserve how the plan changed, which alternatives were rejected, when, and on what evidence. Subscribe Run the runner-up Autonomous labs show what happens when decisions and outcomes are connected in a loop. Liverpool’s mobile robotic chemist ran 688 experiments over eight days in a ten-variable formulation space. A batched Bayesian search used each result to choose the next experiments and found photocatalyst mixtures six times more active than the starting formulations. Every completed experiment changed what the system did next. The robot optimized within a goal and search space that humans had already chosen. It did not decide which scientific question mattered. So what this work demonstrates is narrower, but still useful: a search history pays off when the options return standardized outcomes quickly. Open-ended biology is harder because branches can take weeks and the discarded alternatives may never be run. Some exploration therefore has to be bought. Where two branches are plausible and the stakes justify the cost, a lab should sometimes run the runner-up. Otherwise the record captures what today’s scientists usually chose and stays silent on what they systematically overlooked. A funder could ring-fence a small fraction of a grant for the branch not taken, provided that the decision record and the outcome are both deposited. That costs money, but so does having every lab rediscover the same abandoned path. Test whether taste transfers When it comes time to evaluate if our new AI system exhibits taste, the comparison should run across laboratories and fields. At selected decision points in a live research campaign, we should freeze the six fields: the evidence, the candidates, expected results, confidence, costs and the choice made. Experts then rank the options before the outcomes are known, and those outcomes are checked independently later. We could give models one of two diets - papers alone, or papers plus decision histories - and ask them to rank the next experiment on unfamiliar projects. Then, we score information gained per dollar and week, calibration, and how quickly weak branches are abandoned. If histories improve choices only inside the lab that produced them, they amount to useful organizational memory. If they improve choices on unfamiliar problems elsewhere, Alasdair’s group will have captured something science has never managed to write down: a transferable record of taste. Until that happens, a scientific search history is a promising record, not yet a training set.
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