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Ultra-thin aramid protection: Pitaka cases for the Samsung Galaxy Z8 Series review
In-depth hands-on review of the Pitaka Classic aramid fiber cases for the Samsung Galaxy Z Fold8 & Flip: fit, build quality, 3D-Grip, and MagEZ in detail.
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.
Omni-liberalism: Why you should hold this framework in politics
Views staff writer Logan Walters examines “omni-liberalism" and argues for approaching policy with flexibility and skepticism.
New Medical Wing Proposed For Valley Hospital 4 Valley Health Plaza in Paramus, New Jersey
Renderings have been revealed for a proposed six-story, 200,000-square-foot expansion of Valley Hospital at 4 Valley Health Plaza in Paramus, New Jersey.
NASA’s Roman Space Telescope: Falcon Heavy Side Boosters Begin Return
The two side boosters on the SpaceX Falcon Heavy carrying NASA's Nancy Grace Roman Space Telescope have separated from the center core.
Rest for a priest not a luxury but a necessity for mental health, Nigerian Vatican official says
As part of a formation program, the secretary of the Vatican Dicastery for Evangelization urged priests to take time away from ministry to sustain their physical and mental health.
State’s Broadband Buildout Accelerates
Indiana’s broadband buildout has entered a rapidly moving execution phase as projects funded through the state’s Next Level Connections ( NLC ) Broadband Grant Program have delivered thousands of …
N.M. city's pilot program connects business owners with police for quick responses
Albuquerque PD's "Adopt a Business" Program pairs officer liaisons with businesses, giving owners a direct line of contact for non-emergency responses
The big money behind micro dramas, explained
It didn't work for Quibi. But now companies like CandyJar say they're seeing real money from short, low-budget video.
Opinion/Guest column: More home health aid, better care for all in MA
Our state needs more clinicians to choose careers in home health so that we can improve outcomes for patients and bring down costs.
Medicare's pilot GLP-1 discount program has a catch. Some sick patients don't qualify
Medicare launched a pilot program that could streamline the process to get GLP-1s, with some seniors paying just $50 a month. But many people with the most serious illnesses won't get that discount.
Rams WR Puka Nacua spotted dancing at a Jewish Bat Mitzvah eight months after offensive gesture backlash
Los Angeles Rams wide receiver Puka Nacua was seen enjoying himself and dancing at a Jewish Bat Mitzvah in LA on Sunday
David Carr Warns Rams About ‘Terrifying’ Situation Around Matthew Stafford
The Los Angeles Rams received strong words from former NFL stars David Carr and Gerald McCoy, including about Matthew Stafford. The post David Carr Warns Rams About ‘Terrifying’ Situation Around Matthew Stafford appeared first on HEAVY.
Sacramento businesses and customers react to cocktails to-go bill
A bill to extend California's cocktails to-go program through 2029 is awaiting the governor's decision, with businesses supporting the measure and customers expressing mixed opinions.
NDSU Boasts Head-Turning Stat Amid FBS Debut
North Dakota State opened the program's FBS era with a splash, and the CBS Sports Network broadcast pointed out a wild fact along the way. The post NDSU Boasts Head-Turning Stat Amid FBS Debut appeared first on HEAVY.
Sacramento business owners rebuild after fire destroys building at local flea market
Several small business owners in Sacramento are trying to rebuild after a fire destroyed their shops at the back of the Folsom Boulevard Flea Market. It wrecked a small building known by customers an...
Milestone Anniversaries: Alston Construction
On Aug. 11, we hosted a dinner at The Jacquelyn social club in in Midtown Sacramento with leaders of local businesses and nonprofits that are celebrating milestone anniversaries this year. Alston Construction Company was among the participants.
Jelly Roll Slams Politicians On Both Sides For "Sh*t Job"
After Jelly Roll avoided discussing his politics at the Grammy Awards in February, he peeled off the band-aid this week with a heartfelt speech.
Roseville City Council to look at fee credits for downtown projects
Roseville City Council will vote Sept. 2 on a fee credit program offering up to $50,000 to developers building in the downtown area.
Linn County clinic shows sports are for all abilities
People were able to see what different adaptive programs could offer
Data center backlash scrambles US midterm politics
The data centers powering America's artificial intelligence boom have become an unlikely target in November's midterm elections, as anger over rising electricity bills and noise turns Democrats -- and…
Review: OnStage Playhouse’s ‘Mensa’ a smart drama about politics and listening
Salomón Maya’s new play is a cautionary tale about finding common ground before it’s too late
Stream Team Workshop to help educators bring water science into classroom
Educators looking to add hands-on environmental science to their curriculum will have an opportunity to learn about Arkansas’ Stream Team program next month at the Fred Berry Crooked Creek Nature Center. The Stream Team Professional Development
Healthcare workers call for new labor agreement prior to deadline
13WHAM ABC Rochester provides local news, weather forecasts, traffic updates, health reports, notices of events and items of interest in the community, local sports and entertainment programming for Rochester and nearby towns and communities including Greece, Victor, Pittsford, Penfield, Henrietta, Webster, Irondequoit, Fairport, Chili, Gates, Rush, Wheatland, Canandaigua, Farmington, Spencerport and Hilton.
Cunion Frames Its Wearable Health Ecosystem Around Five Health Benefits
San Diego, California--(Newsfile Corp. - August 29, 2026) - Most health technology can overwhelm users with constant notifications and dashboards, eventually causing them to disengage. In response to this challenge, Cunion is building an ecosystem around the premise that the healthiest device is the one that stays quiet until it has something worth saying. From this approach, Cunion identifies five practical health benefits across its wearable ecosystem.To view an enhanced version of this...
Central Colorado Humanists September 6 Sunday Science Program Focuses on Wolves - by Ark Valley Voice Staff
“The Truth About Wolves” is the title of the Central Colorado Humanists Sunday Science Program for September 6. Rebecca Burkhalter of Colorado Wild will
Mike Judge lets Paramount know he wants the rights to Beavis And Butt-Head back
It's been nearly 35 years since Beavis and Butt-Head made their MTV debut, opening an opportunity for Judge to get the U.S. rights to the characters back.
New philosophical framework reframes moral distress in health care
Nurses and physicians often recognize what kind of care a patient deserves at a given moment, whether it is more time at the bedside, a change in pain management or a detailed conversation about the goals ...
New exhibit to take Sacramento on a trip inside the human body
The traveling exhibition, “Bodies - The Science Within,” features preserved human specimens will arrive in Sacramento this fall.
Tom Cruise Announces “Days of Thunder” Sequel Will Also Star Anne Hathaway, Marking Their First Time Working Together
The new movie will be a follow-up to the 1990 racing drama that first paired Cruise with Nicole Kidman
UNK students ‘find their fit’ in health and physical education program
The program offers strong faculty support and plenty of real-world experiences.
Cloudflare freed up 100TB of RAM behind its 1.1.1.1 DNS without adding a single server
The optimization work was centered on Big Pineapple, Cloudflare's DNS caching platform behind the popular 1.1.1.1 resolver, DNS Firewall, and several other DNS services they offer. In...
Northeastern introduces artificial intelligence combined majors, renames undergraduate data science programs
This fall, Northeastern will roll out 24 artificial intelligence, or AI, combined majors, which will replace its undergraduate data science majors. The rename of the data science major and its associated combined degrees “more accurately represents the scope and depth of the curriculum,” Christo Wilson, associate dean for academic programs and student experience, wrote in...
UCSB Researchers Unveil 10 Rules for Generative AI in Science
UC Santa Barbara's NCEAS has released a 10-rule framework in PLOS Computational Biology to guide environmental scientists using generative AI for coding.
September At SALA Brings Movies, Community Events, Science, Music And More To Los Alamos
SALA NEWS RELEASE SALA Los Alamos Event Center is welcoming the fall season with a full September lineup featuring family programming, classic films, new releases, special screenings, live performa…
AI-generated videos are already displacing actors and livestreamers across China's entertainment industry
In China, 95 percent of the 128,000 short dramas released in Q1 2026 were AI-generated. Some actors are being forced to hand over their voice and likeness to AI tools before getting fired, the Financial Times reports. AI-related labor disputes are rising fast.
Italian state broadcaster RAI removes veteran journalist, sparking political storm
Italian opposition parties have denounced an attack on press freedom after state broadcaster RAI removed a veteran journalist as presenter of its flagship investigative programme, while government allies have welcomed the move.
Italian State Broadcaster RAI Removes Veteran Journalist, Sparking Political Storm
By Gavin Jones ROME, Aug 29 (Reuters) - Italian opposition parties have denounced an attack on press freedom after state broadcaster RAI removed a veteran journalist as presenter of its flagship investigative programme, while government allies have welcomed the move. The case has reignited a ...
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.
Letters: Golden anniversary suits Eric Sondheimer well
Readers of the Los Angeles Times Sports section give their thoughts on Times prep columnist Eric Sondheimer, the Dodgers, Rams and USC.
LinkedIn Is No Longer a Business Network—It’s a Platform for Influencers Now
The Microsoft-owned platform has changed dramatically over the past few years. LinkedIn in late 2026 just feels different.
Jefferson takes care of business on the road, handily gets by Loyola 48-14
MISSOULA, Mont. - A rematch from week number one from a year ago, that saw the Jefferson Panthers get the best of the Loyola Rams 27-20. Rams looking to avenge
China's CXMT to supply memory chip for Xiaomi's upcoming folding phone
China's top memory chipmaker, CXMT , will supply its latest LPDDR6 DRAM chips for Xiaomi's upcoming flagship folding phone, the companies said on Saturday.
Lindsay Clancy trial: Psychiatrist resigns after testimony
Dr. Avram Mack, a psychiatrist who worked in the behavioral health department with Nemours Children’s Health in Delaware, resigned Monday,
Asheville businesses brace for weekend demonstrations on Merrimon Avenue
Some businesses are giving customers a heads-up about possible traffic.
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.
Commentary: The MBA Applicants Business Schools Are Losing Before They Apply
Global MBA applications are rising – but U.S. programs are increasingly losing candidates before they even apply.
San Diego ramps up Gaslamp enforcement, but businesses say more must be done
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NASA is preparing to launch the Nancy Grace Roman Space Telescope. Here's what to know
NASA plans to soon launch a new space telescope that will survey a billion galaxies to trace how the universe evolved over time, all courtesy of America’s spy program and decades of research into detector technology. Once in position, it will take data that astronomers hope will help answer some of the field’s most puzzling questions.
Victory Brewing Company's taproom in Philadelphia reopens after failing health inspection
New Biomedical Sciences Undergraduate Research Program Offers Valuable Lab Experience
The Undergraduate Program for Research Immersion & Scholarly Mentorship will enable undergraduate students in the Institute for Biomedical Sciences to gain meaningful research experiences in the institute’s labs.
Camp Eberhart & Beacon Health Foundation team to help families
The costs of summer camp can put the experience out of reach for some families.However, a new partnership is working to change that.Beacon Health Foundation and
Delaware psychiatrist who testified in Lindsay Clancy case resigns from Nemours, health system says
Avram Mack testified on Friday, Aug. 21, and Monday, Aug. 24, as a prosecution rebuttal witness in the nationally watched case against Clancy.
Purdue expands degree offerings that target Indianapolis’ workforce needs
Purdue marks the start of its third year in Indianapolis with new programs in construction management, athletic training, and hospitality — aligning academics with the city’s booming job market.
Adult congenital heart programs growing more important as time goes on
More than 95% of congenital heart patients now survive into adulthood, leaving clinicians with much more ground to cover than ever before. Providing high-quality care for these patients requires specialty care as well as collaborations with general cardiologists.
Empowering Young Scientists: Caldwell University’s Biotechnology Research Fellowship Program Completes Its Second Year
Caldwell, NJ – Caldwell University’s Biotechnology Research Fellowship Program completed its second year on Friday, August 14, 2026. This dynamic, three-week intensive placed high school fellows directly into the world […]
Small Business Energy Opportunity Hearing Scheduled September 2
SBA announces 90% loan guarantee for small businesses in energy sector. Learn about new funding opportunities and Wednesday committee hearing details.
Garth Brooks’ daughter’s ‘greatest fear’ is people mourning her dad when he dies like they do Dolly Parton
Garth Brooks’ daughter Allie Colleen paid tribute to Dolly Parton on Instagram, saying that her ‘greatest fear’ was people mourning her dad when he dies, like fans are mourning Parton, who died on Aug. 25.
ABC Developing Drama Series 'The Undertaker' From Gabriel Garza
ABC is developing The Undertaker, a police procedural based on the Swiss series Der Bestatter, from Gabriel Garza, Hanelle Culpepper, 20th Television.
D.8 Habitable Worlds Observatory Precursor Science Investigations
Habitable Worlds Observatory Precursor Science Investigations (HWO-PSI) program element D.8 of ROSES-25 aims to advance the scientific foundation that would
Survey: NC afterschool STEM grows, computer science lags
Eighty-seven percent of NC parents with a child in an afterschool program say it offers STEM, up from 53% in 2014 but below the 92% national figure, according to a new Afterschool Alliance survey.
Why Whitworth expexts Donald back with the Rams
Everyone wants to know whether Aaron Donald will be coming back to the Los Angeles Rams or not, and Andrew Whitworth feels that it’s only a matter of time. Whitworth explained to Ryan Fitzpatrick on their podcast that Donald has been putting on a football helmet and doing drills, and as far as Whitworth is […]
KPEX: New Korean pop culture expo to bring K-Pop, K-Dramas, K-Food and more to NYC
KPEX: Korean Pop Culture Expo will launch May 29-31 at the Javits Center, bringing K-Pop, K-Dramas, K-Comics, K-Games, K-Food, K-Beauty, and more under one
Rockstar says GTA 6 runs at 30 FPS, while it's reportedly unsure about a 60 FPS performance mode
The GTA 6 extended look trailer was apparently captured on PS5. Maybe that's why people noticed some frame-rate choppiness. But what FPS will it run at?
Missouri announces jersey patch sponsorship deal with Ambetter Health
Missouri and Learfield have partnered together for a “historic” sponsorship, the school announced on Friday. Along with it comes a new jersey patch for the Tigers after the program came to an agreement with Ambetter Health. This is just the latest college football program to add a patch ahead of the 2026 season. “In less […]
The surprising science behind Japan’s vending machine obsession
The country’s machines can serve hot ramen, spot fake coins, and even withstand earthquakes.
Family-friendly fun, outdoor adventures and live entertainment: Weekend events across mid-Michigan
Whether you're looking for educational programs, outdoor experiences or evening entertainment, communities throughout Bay, Saginaw, Midland and Isabella counties are hosting events throughout the weekend.
Oklahoma officials outline progress on Rural Health Transformation Program initiatives
The update comes as Oklahoma prepares to enter the second budget period of a five-year federal funding opportunity meant to transform rural health.
NYC CLC/NYCOSH 2026 Safety & Health Series: WTC 25th Anniversary: Man-Made Disasters | New York City Central Labor Council, AFL-CIO
Tuesday, September 8, 11AM-1PM via Zoom: As part of the NYC CLC/NYCOSH 2026 Safety & Health Series, join us for a special training commemorating the 25th anniversary of September 11, 2001. The session will cover the World Trade Center Health Program, WTC-related research and findings related to survivors, and lessons from other man-made disasters, including Chernobyl and Deepwater Horizon.
The Witcher 3 Remastered Resolution And Frame Rate For Switch 2 Revealed
Mouse & gyro controls also confirmed
DLSS 5 Gets Modded Into Skyrim With Dramatic Changes to Lighting and Character Faces
NVIDIA announced DLSS 5 back in March to a decidedly mixed reaction, as many gamers did not particularly like the modifications it made to character faces. While it is not officially out yet, an early-access build of NBA 2K27 was found to contain a DLSS Neural Rendering DLL, believed to be a...
The Witcher 3 Remastered details Nintendo Switch 2 frame rate and resolution, physical release teased, mouse controls supported, mods confirmed
During a live stream event today, CD Projekt Red detailed the frame rate and resolution for The Witcher 3 Remastered on Nintendo Switch 2 and commented on other aspects like a physical release teased, mouse controls, and mods. The game is said to run at 720p in handheld mode while 1080p is the target when docked. For frame rate, it’s...
Music Legend, 82, Makes Bombshell Career Announcement Amid Health Fears
Fans had been concerned about the seven-time Grammy winner.
Rochester to inspect 14,500 homes and business properties
Rochester is launching a five-year property review program. Here is what owners need to know about upcoming inspections.
AMC Entertainment (AMC) Edges Toward Positive Free Cash Flow Is Its Debt Strategy Reframing the Story?
Earlier this week, AMC Entertainment Holdings said it is edging closer to sustained positive free cash flow, estimating it needs an industrywide domestic box office of about US$10.40 billion to reach that goal, helped by record adjusted EBITDA, stronger per-patron profitability, and lower interest costs. An important angle is that AMC’s recent refinancing and debt-repayment efforts are expected to cut annual cash interest expense, meaning the box-office level required to support ongoing...
Sacramento considers expanding entertainment zones to allow public drinking at outdoor events
Sean McVay sheds light on Rams' trade for Tutu Atwell
Sean McVay told reporters that the Tutu Atwell trade is not related to a potential suspension for Puka Nacua.
More places to drink outside? Sacramento weighs expansion of entertainment zones
Rams-Chargers preseason final score: Ty Simpson has career throw
The Los Angeles Rams beat the Los Angeles Chargers by a final score of 20-18 in Week 3 of the NFL preseason. Though the Rams began with the ball on offense, and Ty Simpson perhaps threw the best ball of his career in this contest, the story of the game more or less begins with […]
Rams 2026 roster cut tracker
Tracking the Rams cuts following their final preseason game
Black business owners win funding through Kickstarter Program
Nine local Black business owners in the inaugural class of the collaborative Kickstarter Program to support entrepreneurs were recognized Thursday for
Andrew Whitworth still confident Aaron Donald is coming back
Aaron Donald still hasn't made a decision, but Andrew Whitworth is confident he's coming out of retirement.
Arkansas announces $149.3 million in first-round rural health grants
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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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