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Fiona Ma explains why she should be California's next Lieutenant Governor
Fiona Ma, California’s state treasurer, is running for lieutenant governor and shared her vision for addressing economic challenges, housing shortages, and regulatory issues across the state in an interview on California Politics 360.
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.
Lane County caregiving business becomes employee-owned
Lane County caregiving business Rise & Shine Social Enterprise has become Oregon's first employee-owned business of its kind, aiming to reduce staff turnover and support community care.
Syria continues to normalize with international business fair as credit card payments are back
More than 60 countries attended the fair, including key regional allies Saudi Arabia and Iraq, while Syrian President Ahmed al-Sharaa confirmed that credit cards are available again.
When big business goes too far, government matters
Two corporate settlements show how regulators can protect children, preserve competition and restrain profit-driven abuses.
Today on Pinstripe Alley
One last regular season game with the Sox is on the docket.
Flutter Entertainment (FLUT) After The Court Ruling Is It Still A Bargain
A recent Ninth Circuit court ruling that sports bets are not swaps has eased a regulatory hurdle for Flutter Entertainment (NYSE:FLUT), with the stock gaining about 8% as investors reassessed legal risk. The court ruling arrived after a difficult stretch for Flutter Entertainment shareholders, with the year to date share price return down about 53% and the 1 year total shareholder return down roughly 67%. As a result, the recent 1 day share price gain of just over 7% mainly reflects investors...
'Feeling lots of gratitude': Anonymous donation keeps local businesses afloat
Not even a year into business, Mark Gregory had to close Fifth House. Now, thanks to an anonymous donor, the restaurant is back on the menu.
Watch the 28/22 Sports Friday Night Football Show
Check out all the highlights from Friday night, and Week One of the PIAA High School Football Regular Season!
The all-time Unsung Heroes Awards honoree list
The Wichita Business Journal honors 60 indispensable employees across the region's organizations in the 2025 and 2026 Unsung Heroes Awards.
The next Cascadia megaquake could hit Oregon harder than expected
The Juan de Fuca plate beneath northern Oregon appears to be shallower than previously estimated, potentially making shaking from a future Cascadia megathrust earthquake significantly stronger. Scientists also found a deep basin beneath Tillamook that could trap seismic waves and intensify the shaking even further.
WHO releases US$150 000 emergency funds to support Nepal’s flood response
The World Health Organization has released US$150 000 from the South-East Asia Regional Health Emergency Fund (SEARHEF) to support urgent health and other needs of the communities impacted by the devastating flash floods in Nepal, one of the worst tragedies in the country in recent times. “The emergency funds will support immediate response priorities. WHO is committed to supporting Nepal through the response and recovery efforts,” said Dr Nilesh Buddha, Officer-in-Charge, WHO South-East Asia Regional Office. Earlier, within hours of the flash floods on 26 August, WHO mobilized and dispatched essential emergency medical supplies, including an Interagency Emergency Health Kit that can cater to the health needs of nearly 10 000 people for 3 months, along with multipurpose tents.
Herring Gut Coastal Science Center's Learn-Discover-Grow Series: OCEAN GREENS
Seaweed in the past has been a misunderstood part of our marine world. Until recently it has always been seen through the lens of a slimy gross weed that no one likes to touch while swimming. Now, seaweed is being seen as a way to help diversify careers, feed livestock, and help solve climate change. This Learn Discover Grow event will focus on highlighting the importance of seaweed and how mid coast businesses are utilizing these ocean greens. First we will watch the film “Ocean Greens” (link below) online at the WaterBear network. We will then take time to talk to our wonderful guest speakers about how they use seaweed in their business! Our speakers are, Allison Lakin from Lakin’s Gorges Cheese, Gabriela Acero from wolfpeach, and Lauren & Greg Soutiea from the Causeway Restaurant at the Craignair. Watch the video ahead of time: Title of video: Ocean Greens Link: https://www.waterbear.com/player/62389235111f77a1b677ded9 Create an account, it's free. Guest speakers: Allison Lakin, Lakin’s Gorges Cheese at East Forty Farm Gabriela Acero, Wolfpeach Lauren & Greg Soutiea, The Causeway Restaurant REGISTRANTS WILL RECEIVE A ZOOM LINK PRIOR TO THE EVENT
Rumor: Sony Reportedly Reconsidering Delaying Digital-Only Plans Due to Xbox Pushing for "100% Physical" Strategy for Xbox
Sony is reportedly thinking of delaying its digital-only plans, as Microsoft is said to be pushing for 100% physical regarding Project Helix.
Vicariously hike the Appalachian in the gorgeous A Trail Tale
A Trail Tale is an interactive trail journal inspired by Sierra point-and-click adventures and Oregon Trail.
Pharr EDC’s Global Business Hub Positions Region as Binational Trade Powerhouse
An interview with Pharr Economic Development Corporation President Victor Perez.
Yankees news: Cody Bellinger's 'tennis' admission will catch fans' attention
New York Yankees outfielder Cody Bellinger is a World Series champion, National League Championship Series MVP, regular season MVP, three-time All-Star and Gold Glove winner. One does not collect all that hardware without becoming a master of preparation. Yes, his career took a nosedive for a couple of years due to prolonged injury problems and […] The post Yankees news: Cody Bellinger's 'tennis' admission will catch fans' attention appeared first on ClutchPoints.
Infrastructure Summit and Fed reports: D-FW Business Datebook
The North Texas Commission hosts Infrastructure Summit with regional mayors, builders and state transportation officials. It's among several key business events in Dallas-Fort Worth this week.
Orange County restaurants shut down by health inspectors (Aug. 20-27)
There were 14 restaurants and food establishments ordered closed by Orange County inspectors from Aug. 20 to Aug. 27.
Integrated pollution and carbon mitigation delivers major health and economic cobenefits in China
Synergistic mitigation of air pollutants and greenhouse gases is crucial for achieving clean air and carbon neutrality, but quantitative evidence of sectoral and regional health co-benefits in China remains limited. Authors develop an integrated Energy-Economy-Air Quality-Health framework coupling CEEPA, GAINS, and a province-level health module to simulate fourteen policy scenarios from 2020 to 2050. Coordinated strategies reduce CO2 and pollutants (SO2, NOX, PM2.5) by 75% relative to 2020, avoiding more than 500,000 premature deaths by 2050 and yielding monetized gains of 1.07 trillion CNY. Health benefits concentrate in industrially dense and populous provinces, with near-term PM2.5 reductions driven by pollution control and long-term improvements reliant on decarbonization. The integrated approach achieves a benefit-to-cost ratio of 1.42, lowering abatement costs by 11% relative to pollution-only measures. These findings highlight the value of coordinated, sector- and region-specific strategies for simultaneous climate mitigation, air quality improvement, and public health protection.
Tancredo in Running for Dept. of Ed. Position
Forty-five years ago this week: “I know that my name has been placed before the Secretary of Education, and I know that I’m one of three or four being considered for the Department of Education’s Region 8,” said state Rep. Tom Tancredo, R-Arvada. “But that’s all I know for sure.” Tancredo, a former manager of […]
Yankees' win against Boston was big in so many ways
Toi start the final regular season meeting between MLB's ancient rivals, the Yankees beat the Red Sox, 1-0, on Friday night in the Bronx.
This Appalachian memoir author is running as a Democratic contrast to JD Vance
Beth Macy is challenging Rep. Ben Cline in a bright-red Virginia district, hoping her own story and the stories she told about the region will win back rural and working-class White voters.
How Investors May Respond To Flutter Entertainment (FLUT) After Sports Bets Are Ruled Not Swaps
A Ninth Circuit appeals court recently ruled that sports bets are not swaps, easing a potential regulatory burden for sports-betting operators including Flutter Entertainment and its US platform operations. This clarification strengthens the legal foundation for traditional sportsbooks relative to prediction-market platforms, potentially reshaping how different wagering formats are regulated and compete in the US market. We will now examine how this regulatory clarification around sports...
"Forget the classics: remaster the duds" - What have you been playing this week?
Our regular article where we talk about the video games we've been playing so you can tell us what you've been playing.
Elversberg: The tiny town looking to defy odds in Bundesliga
Elversberg has no train station and a population of just 13,000, but its football team have enjoyed a meteoric rise from the regional German leagues to the Bundesliga.
3 Takeaways From Vikings Brutal Preseason Loss to Broncos
Minnesota is on to the regular season.
Vikings' most agonizing roster decision looming on 2026 cutdown day
The Minnesota Vikings have not had many secrets regarding their roster this summer. The focus for head coach Kevin O’Connell has been on the quarterback position since the end of last season. That’s when the 9-8 Vikings took a hard look at their season and came to the conclusion that they did not get the kind of quarterback play they needed to win […] The post Vikings' most agonizing roster decision looming on 2026 cutdown day appeared first on ClutchPoints.
Temecula wineries see steady business despite U.S.-Canada trade tensions
The Temecula Valley Winegrowers Association said the region is somewhat insulated from the effects of trade policies because most wineries sell directly to consumers.
Oregon high school football scores
Oregon high school football is underway in 2026. See the latest football scores across the state.
Jelly Roll Clarifies Political Views, Regrets Grammys Comments
The singer-songwriter opened up about his beliefs during his final night guest hosting 'Jimmy Kimmel Live!' after a Trump joke he made earlier in the week sparked backlash from conservatives.
Lil Nas X announces his mom has died in heartbreaking tribute
Lil Nas X has revealed that his mother has died.
All iRacing content will be available in career mode at ‘zero extra cost’
All content will be available in iRacing's career mode at ‘zero extra cost’, according to Senior Vice President and Executive Producer, Greg Hill.
Steelers Part Ways with Rookie Offensive Lineman
The Pittsburgh Steelers have released center Greg Crippen, the team announced on Friday. Crippen is among the first wave of […]
Mission Health, Monarch, Gurwin Execs Weigh In on Hiring Drivers in the Nursing Home Sector
Survey changes, value-based care and other regulatory updates are shaping how operators hire and build clinical teams. As regulatory priorities shift and
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.
DKNG Soars Nearly 10%, FLUT Jumps 8% — DraftKings, Flutter Entertainment Rally On Ruling That Sports Bets Aren’t Swaps
A Ninth Circuit appeals court ruling that sports bets are not swaps removes a potential regulatory hurdle for DraftKings and Flutter Entertainment.
Will Meta settlement reduce physical, mental health risks for young users?
Experts say many of its terms may help limit use, negative social comparisons, but regulation may still be necessary
Rep. Wozniak votes to crack down on corporate influence in Michigan politics
State Rep. Doug Wozniak this week voted to get money out of politics by blocking state-regulated utilities and companies with major government contracts from donating to political campaigns and candidates. The state House approved the Michiganders for Money Out of Politics (MMOP) citizen-initiated proposal after more than half a million Michigan residents signed petitions supporting […]
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 […]
Trump election fraud crackdown lands first arrest, putting longtime critics in White House crosshairs
A Honduran national in Los Angeles faces felony charges and deportation after allegedly registering to vote, as officials promise more arrests to come.
Debates set for Maine U.S. Senate race
Regardless of the format, the debates are likely to be must-see TV for voters who will make a big decision this fall about who represents them in the U.S. Senate.
Neronha urges R.I. regulators to reject proposed health insurance premium hikes
Neronha’s office has formally submitted a brief objecting to Neighborhood Health Plan of Rhode Island’s request for a rate increase of 22.4 percent.
Dev Calls Steam Branding His Adventure Game Porn 'Humiliating'
Valve's decision to slap the PEGI 12-rated indie game Future? No Thanks! with an adults-only rating on Steam has led its developer to seek support from 'top German regulators'
Minnesota AG gives green light to Sanford Health merger with North Memorial
The attorney general’s blessing is seen as the last regulatory hurdle to a deal in which the South Dakota-based system agrees to maintain Robbinsdale hospital for at least a decade.
Status of The Lions Bay Resources Barbrook Business Rescue Plan
Victoria, South Africa--(Newsfile Corp. - August 28, 2026) - On 25th August 2026, Vantage Goldfields released a press statement, wherein they claimed that the "Lions Bay Resources Proposed Transaction to Acquire the Barbrook Mine Has Failed" and further that "Confirmation provided by the South African Mining Regulator means that Lions Bay Resources, owned by Metals One Plc (AIM: MET1) (LSE: MET1) and Lions Bay Capital Inc. (TSXV: LBI), cannot obtain mining regulatory approval, so that the...
Business Class Is Being Subdivided Into Different Categories
Leading airlines such as American, British Airways, and United are competing with new super suites positioned among regular business-class suites.
Vandalia Health expands free public access to naloxone at northern region hospitals
Vandalia Health is expanding access to life-saving overdose reversal medication by installing public naloxone distribution boxes at hospital entrances throughout its northern region. The first boxes are being installed at Vandalia Health Mon Medical Center in Morgantown, Vandalia Health Mon Marion Neighborhood Hospital in White Hall, Vandalia Health Mon Preston Memorial Hospital in Kingwood and Vandalia Health Mon Stonewall Jackson Memorial Hospital in Weston. Additional boxes are expected to be install...
Rutgers Great & Fan Favorite Joins Coaching Staff
Adam Korsak will work on Greg Schiano’s staff.
Weekend series marks reminder of Red Sox-Yankees playoff inevitably
Take this weekend to get ready, because I would be SHOCKED if the American League playoffs don’t open on Sep. 29 with the Red Sox and Yankees matched up in the Wild Card series. Boston and New York square off for the final time this (regular) season this weekend at Yankee Stadium in a pivotal […]
Video in competitive congressional race spotlights challenge of regulating AI-generated political content
In Wisconsin, a recent example can be found on the campaign social media of U.S. Rep. Derrick Van Orden, R-Prairie du Chien, who is running a competitive reelection bid.
White House, hemp lobbyists bet on shutdown politics to delay ‘diet weed’ ban
Lawmakers say the Trump administration is promising to use the one-month punt to work on new regulations.
This winter, New England scientists will track snowpack like never before
A new collection of automated sensors will help scientists get a never before seen picture of snowpack across the region, which researchers say will help them better predict floods.
Gubernatorial candidates Phil Weiser, Greg Lopez spar, as Marx skips debate
Two of the candidates for Colorado governor squared off in a televised debate on Thursday night, when Attorney General Phil Weiser, the Democratic nominee, and former U.S. Rep. Greg Lopez, an unaffiliated candidate, delved into issues of affordability, data center regulation and gun laws. The debate’s tone was civil. The policy differences between the two […]
Browns QB Deshaun Watson Turns Heads With Pregame Fan Interaction
Deshaun Watson turned heads with his pregame interaction with Cleveland Browns fans. The post Browns QB Deshaun Watson Turns Heads With Pregame Fan Interaction appeared first on HEAVY.
Judge blocks Trump’s Postal Service regulation on mail-in ballots
A federal judge issued a temporary restraining order that prevents the Postal Service from inserting itself into the election process while litigation continues.
Caesars Entertainment Launches Ball Rush Jackpots™ in New Jersey, the Latest Proprietary Online Title from Empire Creative™
New ball-and-peg style online casino game combines customizable gameplay, layered bonus features and dynamic jackpot opportunities LAS VEGAS (Aug. 28, 2026) Caesars Entertainment, Inc. (NASDAQ: CZR) (Caesars) today announced the launch of Ball Rush Jackpots(tm) , a new ball-and-peg style online casino game developed by Empire Creative(tm), the Company's in-house game development studio. Now live in New Jersey across Caesars Palace Online Casino, Caesars Sportsbook Casino and Horseshoe Online Casino, Ball Rush Jackpots is expected to become available in additional jurisdictions where Caesars offers online casino gaming following regulatory approval. The title expands Caesars' growing portfolio of proprietary online casino titles, following the successful launch of Ca$hline(tm) earlier this year and further diversifying the Company's lineup beyond traditional slots and table games. Ball Rush Jackpots follows the traditional ball-drop gameplay
Scientists tested 212 plant-based meat alternatives. Every one contained fungal toxins
Every one of 212 plant-based meat alternatives and drinks tested in the UK contained at least one naturally occurring fungal toxin, though concentrations remained below recommended EU guideline levels. Researchers say the bigger question is whether regularly eating large amounts of these foods could lead to potentially concerning cumulative exposure over time.
Here Comes the Not-So-Very-Small Business Administration
I don’t make jokes—I just watch the government and report the facts. - Will Rogers The Small Business Administration (SBA) would like to change the definition of a small business. The summary of its proposal in the Federal Register is matter-of-fact in tone: The U.S. Small Business Administration (SBA or the Agency) is proposing new size standards for […]
Who's wild for Wile E.? 'Coyote vs. Acme' is finally here
Love movies? Live for TV? USA TODAY's Watch Party newsletter has all the best recommendations, delivered right to your inbox. Sign up now and be one of the cool kids.
Judge grants TRO against SEC, Greg Sankey over fifth-year issue
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. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe
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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
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Science|Business - Table.Media partnershipScience|Business has partnered with Table.Media, a leading source of news about higher education and research in Germany. Each week, we are publishing one of each other’s stories to give readers an even broader range of insight into R&D policy across Europe.Drawing over 500 participants, the German Academic International Network conference in San Francisco brings together researchers, universities, scientific organisations and policymakers in the US as part of an attempt to recruit international talent for Germany. It also serves as an annual barometer for the uncertainty triggered by the Trump administration’s science policies. As was the case last year, Germany’s political presence was unusually strong: federal lawmakers, nine state ministers of science and research, and federal research state secretary Marcus Pleyer all attended. Joybrato Mukherjee, president of the German Academic Exchange Service (DAAD), has observed a marked shift at US universities a year after the Trump administration began sweeping interventions: the initial state of "shock and paralysis" has given way to a strategic approach to the situation. Universities are seeking new funding sources, mounting legal challenges against interventions and opening themselves up more to international collaborations, including with Germany, he said. Early-career international researchers with expiring visas are considered particularly vulnerable. Germany is benefiting from increased demand among this pool of young talent; the country’s 1,000 Minds Plus programme, designed in part to lure German academics back home, has already filled up around one-third of its capacity. Meanwhile, Markus Blume, Bavaria’s science minister and current chair of the federal Conference of Science Ministers, sees an "enormous outflow of talent from the US." An increasing number of international researchers want to leave. Applications to Canada have risen by 42% January, and those to Europe by 32%. Meanwhile, the number of people drawn to the US is plummeting. "In this context, Germany must position itself as a prime destination offering reliable conditions, institutional stability and academic freedom, including through smart collaborations," Blume told Table.Briefings.“Darkest hour”At the get-together in San Francisco, the former president of the US National Academy of Sciences, Marcia McNutt, highlighted the gravity of the situation on the ground in a keynote address. She described the present moment as the "darkest hour for the US scientific system." At the same time, she said that cooperation should be maintained, especially during a crisis. Established researchers in the US are less likely to leave. Ulrike Malmendier, a former member of the German Council of Economic Experts and an economist at Berkeley, explained why established researchers are not packing their bags and leaving the US in droves: working conditions and the concentration of talent at places like Berkeley and Stanford remain unparalleled. According to Peter-André Alt, managing director of the Wübben Foundation, which helps Germany attract international academics, political restrictions are not the only grievance voiced by US-based researchers. "There are evidently still many areas where, fortunately, unfettered research is possible," Alt told Table.Briefings. Instead, the primary complaint concerns the cost of living, which has "skyrocketed” to absurd levels. "Runaway inflation, like that currently seen in the US, is certainly no draw for young scientific talent,” he said. Return homeA growing number of early-career researchers from Germany appear to be considering a return home. Jörn Benzinger, who is responsible for recruiting early-career researchers from abroad at Ruhr University Bochum, reports numerous conversations with researchers who are taking a closer look at the German academic landscape."Germany has definitely moved more into the spotlight,” he said. States, university alliances and research organisations joined forces to recruit talent. Bavaria, Baden-Württemberg and North Rhine-Westphalia were prominently represented, as were alliances such as the Berlin University Alliance and the University Alliance Ruhr. Benzinger sums up Germany’s approach with a new formula: "collaboration is the new competition." He notes that it is becoming increasingly difficult for individual universities to gain international visibility, while regional research ecosystems and collaborations are growing in importance. Afraid to leaveThe crisis in the US academic sector is also straining transatlantic research relations. Benzinger reports that some US-based researchers had to decline brief invitations to Germany because they could not be certain of being allowed to re-enter the US afterward.He considers the simple poaching of researchers to be the wrong approach; what is needed, he says, are "reliable offers and long-term partnerships."However, Green Party politician Ayşe Asar, who also attended the conference, sees a significant need for improvement, particularly regarding career paths in Germany.While lifetime professorships and academic freedom certainly make Germany attractive, young researchers also require predictable career paths, tenure-track positions and flatter hierarchies.
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