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European Enterprises Face Growing Pressure to Turn AI Investment into Business Value, ISG Says
PARIS, November 05, 2026--The ISG AI Impact Summit will explore operating models and data and governance frameworks to scale AI, November 9–10 at the Pullman Paris Tour Eiffel.
Red Wings Icon Disturbed by Organization’s Treatment of Yzerman
Steve Yzerman was Henrik Zetterberg’s first captain when he joined the Detroit Red Wings in 2002. Yzerman was his teammate […]
His son’s recruiting was a nightmare. So this dad decided to fix the system
RiverBank leads Spokane County in SBA lending
Two years after developing its Small Business Administration lending department, RiverBank Holding Co., the parent company of Spokane-based RiverBank, has become the county’s top SBA lender. The increase in SBA lending comes as the community bank establishes a director of fintech position…
Avram Glazer says Manchester United not reliant on sporting success for commercial power
United's co-owner was making a rare speaking appearance at Deutsche Bank’s inaugural Sports Investment Conference in London.
Houlihan Lokey Expands European Business Services Capabilities with Senior Hire
Houlihan Lokey, a global investment bank, added Adnan Choudhury as a managing director in its business services group. Based in London, Choudhury will focus
Siemens Healthineers starts carve-out of diagnostics business
Nov 5 - German medical technology company Siemens Healthineers said on Thursday it had begun carving out its diagnostics business, which it plans to rebrand as Olyrian Diagnostics ahead of a future divestment. The company said the separation proces...
Downtown Sacramento ice rink brings crowds and boosts nearby businesses
The downtown Sacramento ice rink is drawing visitors and increasing foot traffic to local businesses, creating a lively atmosphere in the area.
Phoenix 24-hour diner cited by health inspectors
Jason Barry reports on Valley restaurants that saw the most risk factors identified by Maricopa County’s Environmental Services Department this week.
Phoenix 24-hour diner cited by health inspectors
Jason Barry reports on Valley restaurants that saw the most risk factors identified by Maricopa County’s Environmental Services Department this week.
OpenAI AI Pipeline Generates 948 Linux Root Escalation Exploits in 30-Hour Run
OpenAI's AI pipeline reproduced 1,724 Linux vulnerabilities and generated 948 working local privilege escalation exploits for $1.2 million.
Scientists grow human eye lens, possibly paving way to new treatments
Scientists have grown a realistic human lens from stem cells for the first time which could potentially pave the way for new treatments for cataracts and other eye conditions. In a new breakthrough, r...
Meta President on Data Center Politics
Dina Powell McCormick of Meta tells WSJ editor-in-chief Emma Tucker that a newly elected Governor who ran on a data center platform said "as soon as we get past the inauguration, let's meet, because we don't want to lose this investment."
Barrett Business Services Q3 Earnings Call Highlights
Barrett Business Services (NASDAQ:BBSI) reported higher third-quarter gross billings but lower earnings per share as new client additions were offset by workforce reductions among existing customers and smaller favorable workers’ compensation adjustments. The company lowered its full-year outlook f
Investor takes over Loop office-to-apartment conversion in sheriff’s sale
The vintage office tower on South Wells Street, now mostly converted to apartments, ran into debt trouble from the pandemic and a steep property tax hike.
Health care professionals at G.I. Regional Medical Center report being assaulted by patient
GRAND ISLAND - Two health care professionals at Grand Island Regional Medical Center reported at 9:32 p.m. Nov...
Assessing Urgent Referral Trends From Primary Health Care Centres to Emergency Departments in the United Arab Emirates: A Retrospective Cohort Study
Background Efficient referral pathways between primary health care centres (PHCs) and emergency departments (EDs) are important for appropriate healthcare utilization and resource allocation....
A NASA space telescope plunged back to Earth after a mission that lasted 11 times longer than planned
The Swift Observatory's demise came less than three months after a long-shot rescue mission failed.
La Plata County Public Health warns health hazards may lurk in aftermath of floods
Department advises clean up crews to remain wary of debris and possible contaminants
LIV Golf appears officially dead as PE firm drops investment after star players defect
LIV Golf, even in its diminished post-Saudi opulence form, is in dire straits as of Wednesday evening. A new report by Sujeet Indap in the Financial Times indicates that BC Partners, the private equity firm that was prepared to provide LIV with a league-saving capital investment after Saudi Arabia’s private investment fund (PIF) ceased financing the…
Economic Report: Rancho Mirage Invests in Business, Housing, and Tourism
Rancho Mirage strengthens its economy through healthcare, tourism, new residential communities, and investments in infrastructure and sustainability.
BayMark, Bradford and Deerfield Execs Talk M&A in 2027
This is an exclusive BHB+ story. Activity in the addiction treatment and substance use disorder markets has been trepidatious throughout 2026 as
BayMark, Bradford and Deerfield Execs Talk M&A in 2027
This is an exclusive BHB+ story. Activity in the addiction treatment and substance use disorder markets has been trepidatious throughout 2026 as
Artemis II geologist talks historic lunar science mission
Megan Borel, a geologist for the National Aeronautics and Space Administration (NASA)’s Artemis II lunar science team, delivered a talk titled “The Moon Joy of Artemis” hosted by the departments of geology and physics Oct. 29 in Fowler Hall. Geology professor Nikki Seymour said she knew Borel previously and organized the talk. Seymour said her […]
Startup targets new pain point: nighttime | Investors Lab
It's our job to report on investment-worthy innovations coming to market. That doesn't mean we always believe they're in the best interests of the planet. Case in point: a new space-tech project that aims to solve the "problem" of nighttime. With their planned constellation of orbiting satellites equipped with giant mirrors that would beam sunlight to the night side of Earth on demand, the company behind the invention is attracting investors. SN's Lisa Grossman enlightens us.
Pennsylvania Dept. of Health confirms 6th measles-associated death in Jefferson County
Pennsylvania Department of Health (DOH) confirmed the 6th measles-associated death on Wednesday in Jefferson County.
BTIG raises Flutter Entertainment stock price target on model adjustments
BTIG raises Flutter Entertainment stock price target on model adjustments
The New Christmas Movies to Add to Your Watchlist, According to an Entertainment Editor
They’re soon-to-be classics! 🎄
I’m an Entertainment Editor, and These Are the New Christmas Movies on My Watchlist This Year
If you're looking for the best new Christmas movies in 2026, we've gathered holiday films for you to watch on Netflix, Prime Video, Hallmark, and other streamers.
Jaguars vs. Ravens, odds, injuries, key matchup in Thursday Night showdown
Previewing the Jacksonville Jaguars Thursday Night game at Baltmire.
Trump’s political career crashed last night. So did his crypto.
Enriching the president no longer seems like a solid investment.
Dave Grohl started ‘sobbing like a baby’ after performing with AC/DC
Foo Fighters frontman Dave Grohl says he ‘broke down in tears’ after sharing the stage with AC/DC to perform ‘Highway to Hell.’
Eastern requests more state funding for Integrated Science Building after receiving bids
Construction of EIU’s Integrated Science Building is awaiting the state’s decision to allocate more funds after projected expenses exceeded the current budget. The bids are for a new three-story academic science building for the biology and chemistry departments to the south of the Tarble Museum of Art, along with a new greenhouse. The university has currently received bids from four different...
Melco Resorts & Entertainment: Adjusted EBITDA reached $288 million as Macau softness sharpened focus on cost discipline and deleveraging
Q3 adjusted property EBITDA was $288 million, or $298 million adjusted for VIP hold, while Macau demand softened and competition remained intense. Deleveraging and disciplined reinvestment remain priorities; 2027 CapEx guidance was reduced to $275 million.Based on Melco Resorts & Entertainment Q3 2…
New city parking leader meets with downtown business board
Lt. Dwayne Shellhammer of the Sarasota Police Department introduced himself to the Downtown Improvement District Board of Directors, pledging a direct line of communication to resolve parking issues.
Dan Hurley gives brutal reaction to being given game ball
Say what you will about Connecticut Huskies basketball coach Dan Hurley, but he is never going to win anyone over with a charm offensive. Hurley has been incredibly successful at UConn, but he’s also drawn criticism for his antics and outbursts, especially his treatment of referees. But when it comes to his press conference escapades, Hurley can sometimes…
Jefferies cuts Flutter Entertainment stock price target on FanDuel investment
Jefferies cuts Flutter Entertainment stock price target on FanDuel investment
Mental health evaluation ordered for man accused in deadly shooting of North Royalton building commissioner
The man accused of fatally shooting the North Royalton building commissioner inside the service department, was ordered to undergo a mental health evaluation Wednesday.
Pa. Department of Health confirms sixth measles-associated death
Harrisburg, Pa. — An unvaccinated Jefferson County resident has died after testing positive for measles, the Pennsylvania Department of Health announced today. It is the state’s sixth confirmed measles-associated death
Trial to test plasma treatment for burn patients
Vanderbilt Health is conducting a research study that will look at whether plasma administered early in the course of treatment helps severely burned patients survive their injuries.
Netflix's #6 Show Is a Christmas Murder Mystery with a Fun Twist
This mystery series combines small-town secrets, unexpected murders and a little holiday romance. Find out more here.
The best new Christmas movies to watch on Netflix, Disney+, Prime Video and more
From festive rom-coms to action flicks, this year's holiday lineup has something for everyone — with the Hallmark Channel alone unveiling 34 new movies.
DOH-Miami-Dade Lifts Water Quality Health Advisory - Florida Department of Health in Miami-Dade County
DOH-Miami-Dade is lifting the advisory for high bacterial levels at Crandon Park South in Key Biscayne.
Orlando Health Watson Clinic opens new freestanding ER in North Lakeland
Orlando Health Watson Clinic Lakeland Highlands Hospital opened a new freestanding emergency department in North Lakeland.
Trump’s midterm drubbing could give trade partners room to resist
Us midterm election results could ease trade tensions with Asia and Europe, impacting investment commitments and trade talks with China and India.
UT Martin student attends national forensic science academy
UT Martin senior Harlee Veazey of Paris hopes to have a career in law enforcement investigations.
Rural Utah gets federal funding for health care
The Utah Department of Health and Human Services says all of its first-year Rural Health Transformation Program funding has now been awarded.
Cuyahoga County’s health and human services levy passes
Voters went to the polls and approved Issue 11, a levy for the Cuyahoga County Department of Health that sought to increase funding to keep essential services running.
Kentucky basketball scores huge commitment from 7-foot-5 center
Kentucky basketball lands 7-foot-5 center Cherif Millogo, the No. 36 recruit in the 2027 class, giving the Wildcats their second commitment.
UWM profitability rebounds in Q3 amid elevated interest rates
The news comes three months after a massive loss that led to an expensive deal to obtain cash.
Melco Resorts & Entertainment: Disciplined spending and lower CapEx anchor plans amid softer Macau demand
Q3 adjusted property EBITDA was $288 million, while Macau demand softened in October amid broader China economic weakness and intense competition. Deleveraging and disciplined reinvestment remain priorities; FY2027 CapEx guidance fell to ~$275 million.Based on Melco Resorts & Entertainment Q3 2026…
New UND non-thesis biomedical graduate program adds to number of programs offering alternative experiences
The Department of Biomedical Sciences at the UND School of Medicine and Health Sciences is offering a non-thesis option of its Master of Science graduate program.
AI in Life Sciences Market to Worth USD 69.34 Billion by 2031, at a CAGR of 26.3%
Delray Beach, FL , Nov. 04, 2026 (GLOBE NEWSWIRE) -- MarketsandMarkets™ projects the global AI in life sciences market to grow from USD 21.58 billion in 2026 to USD 69.34 billion by 2031, at a CAGR of 26.3% during the forecast period. Market growth is fueled by accelerating adoption of AI in drug discovery, clinical research, diagnostics, and precision medicine, along with increasing investments in AI-powered life sciences solutions and the growing availability of real-world and genomic data. Ge
Nicole Taylor, one of country band Taylor Red’s identical triplets, dies at 35
Nicole Taylor, at 35 the oldest of three sisters, was diagnosed in 2022 with breast cancer. Treatment put the disease into remission, but it returned.
WSU Regent Howard Wright honored for longstanding commitment to improving public health in Guatemala
Later this month, the vice-chair of the WSU Board of Regents will receive an honorary doctorate from the Universidad del Valle de Guatemala and deliver its commencement address to graduating students.
Apple May Phase Out Non-Touch High-End MacBook Pros
Apple will likely consolidate its high-end MacBook Pro lineup around touchscreen models, according to Bloomberg's Mark Gurman. Writing in his latest "Power On" newsletter, Gurman questioned whether Apple would keep updating its high-end MacBook Pro models without touchscreens. The company has retained the mini-LED M5 Pro and M5 Max models alongside the new touchscreen versions, which cost $400 more.
Age may influence links between psychedelic use and mental health
Age could play an important role in how psychedelic use relates to mental health, according to new research from the Department of Psychology at Durham University. Researchers found that adults with a ...
Reps grill auditor general over Health Department oversight lapses
Less than 1% of Michigan Public Health Institute spending reached universities
Department of Political Science welcomes new leadership
The Eberly College of Arts and Sciences Department of Political Science welcomed William Franko as the new department chair and Vito D’Orazio as the director of graduate studies
Department of Political Science welcomes new leadership
The Eberly College of Arts and Sciences Department of Political Science welcomed William Franko as the new department chair and Vito D’Orazio as the director of graduate studies
Cook County Public Health: Vaccinate Now Before the Holidays - Cook County Department of Public Health
As families make plans for holiday gatherings, health officials say now is a good time to get vaccinated against flu, COVID-19 and RSV. "It takes two to three weeks for respiratory vaccinations to provide maximum protection in vaccinated individuals. So, this is a perfect time to get vaccinated before gathering with family and friends for Thanksgiving," said Dr. Kiran Joshi, chief operating officer of Cook County Department of Public Health.
Scott Parker 'very confident' of promotion after West Ham appointment
Scott Parker has said he is delighted to return to West Ham after being appointed as the club's new manager.Parker replaces Nuno Espirito Santo as manager at the London Stadium, followingthe latter's ...
St. Monica High reaches flag football final in inaugural season
St. Monica put together its girls' flag football program for this season and they'll be playing for the Southern Section Division 6 championship.
How space weather shapes young planets
Scientists suspect powerful solar flares helped strip away the atmospheres of planets like Mars. A Michigan State University researcher is now searching for evidence of how those same forces shape planets beyond our solar system. Adina Feinstein, assistant professor of physics and astronomy, believes exoplanets are the key to understanding the early days of our solar system. This week, she received a Schmidt Sciences FirstLight grant to investigate how space weather influences young planets.
Rafa Nadal joins Real Madrid's board of directors 🎾
Real Madrid has officially announced the appointment of Rafa Nadal to its board of directors. The club has thus formalized the arrival of one of Spanish sport’s greatest legends to its governing bod...
2 Central Florida restaurants shut down after health inspections last week
The Department of Business and Professional Regulation shut down two Central Florida dining venues during the week from Oct. 25-31 after conducting health inspections.
Pens Points: Penguins blow another one with late-game collapse
Here are your Pens Points for this Wednesday morning… The Pittsburgh Penguins fell 3-2 to the Vegas Golden Knights on Tuesday night after special-teams struggles cost them another game, as they failed to capitalize on key power-play opportunities, including a lengthy two-man advantage in the third period. [Recap] NHL Commissioner Gary Bettman said he is […]
Trinity's 50th production of 'A Christmas Carol' will be something 'people will really talk about'
PROVIDENCE – Taavon Gamble has never directed “A Christmas Carol.”
West Ham confirm Parker as boss
West Ham confirm the appointment of former midfielder Scott Parker as their head coach on a two-and-a-half-year deal.
Star Health's Arogya Seva Kendra clinics cross 1.8+ lakh beneficiary visits within a year of their inception, bringing free primary healthcare to communities across 9 states
Star Health and Allied Insurance Company Limited (NSE: STARHEALTH) (BSE: 543412), India's leading standalone health insurer, has been safeguarding the health and well-being of millions of Indians for over 20 years through a strong focus on customer-centricity, transparency, and innovation. Reflecting its commitment to creating lasting social impact, Star Health's CSR initiatives focus on improving health outcomes through accessible healthcare, preventive interventions, and community wellness pro
Flats plan for aparthotel in Reading after business changes
City Wall House's apartments are used less following the pandemic, the building's owner says.
National Navy SEAL Museum honors courage and commitment
Just north of Palm Beach County, along Florida’s scenic Treasure Coast, the National Navy SEAL Museum brings to life the remarkable stories of courage, sacrifice and service that have shaped
Nature comes to life in ‘MOMIX: Botanica’ at the Schaefer Center on Nov. 12
MOMIX presents Botanica, a visually stunning dance and illusion show exploring nature’s rhythms, at Appalachian State University’s Schaefer Center on November 12. This multisensory performance combines athleticism, inventive props, and atmospheric music to transform dancers into flowers, insects, and fantastical creatures.
AFGHS co-signatory countries ask health care users to help fill the financing gap
Hundreds of thousands of Ugandans living with HIV on antiretrovirals could be targeted for user fees or community health insurance schemes requiring modest premium payments, according to the April 2026 version of the country’s America First Global Health Strategy implementation narrative.1 As part of the “sustainable financing for the private not for profit sector” strategy, 491 facilities will be targeted for a phased introduction of user fees and scale up of community health insurance programs.2 In the Ugandan context, PNFP facilities include faith-based hospitals and other health facilities, US missionary organizations and centers of excellence—services that are often co-located at government facilities but run with additional financial and technical resources. 402,000 people—or about 28 percent of the total Ugandan adult PLHIV population on treatment—get ART from the private not for profit sector. The selected facilities provide the majority of ART and prevention of mother to child transmission (PMTCT) services. The plan doesn’t give the total number of clients served by the 491 facilities, so it is not possible to give a precise number. But the majority of 402,000 is a figure in the hundreds of thousands—hence the estimate I’m using.3 The April draft of the Ugandan implementation plan narrative is the only one I’ve been able to review. But the government of Uganda is not alone in turning to health care users to help fill the financing gaps caused by the abrupt withdrawal of US funds. In July 2025, the Government of Liberia introduced user fees for previously free services including “registration, accommodation, patient feeding, hospitalization, and a wide range of surgical and diagnostic procedures.”4 Earlier that year, Liberia rolled out a revolving drug fund designed to stabilize drug supplies by “allowing patients to pay a small fee for standardized, quality medications,” according to a Ministry of Health press release.5 (Both of these approaches had been proposed in the National Health Policy 2022-2031; media coverage explicitly connects the launch with the US foreign aid cuts.) The health financing strategies proposed by Uganda and established in Liberia are qualitatively different from user fees officially adopted by specific health facilities to cover funding shortfalls caused by the new US approach.6 The latter is a stopgap, adhoc change. The former is a national governmental adoption of policies that pass costs on to health care users, despite evidence that such approaches can exacerbate inequities and leave deficits unfilled. Two countries does not make a pattern, but they do point to urgent questions: Have other countries, including Liberia, included user fees or community health insurance schemes in their implementation plans? If so, do any of these narratives have what Uganda’s lacks: a fall-back plan in place in case these strategies for sustainable health systems fail to deliver—as they have before? I wonder if you think about it Subscribe Predictable pitfalls Both community-based health insurance and user fees are as old as the hills. And after decades of people climbing up these hills, duking it out, climbing back down—neither strategy has shown the results the Ugandan implementation plan is counting on. This is, in fact, a hill some folks are willing to die on. (You knew I’d get there, right?) In November 2025, an African-led team of health system experts published a paper directed at low- and middle income country governments trying to figure out how to create self-sustaining health systems. The money wasn’t coming back. It had been more than nine months since the season of freezing, waivering and wood-chippering; two months since AFGHS tumbled into the world touting co-financing requirements and reductions in future US government health aid. Governments were looking for strategies for sustainable, self-financed health systems, the authors wrote. For countries considering user fees and community health insurance to fill the financing gaps, they had a simple message: Don’t. On user fees, the paper states: “Reliance on user fees is ultimately a regressive and inequitable approach. It places a disproportionate burden on the poor and undermines health system goals of equity and financial protection. […] There is overwhelming evidence that user fees mobilise very limited resources for the public health sector, making it an inefficient mechanism for revenue mobilisation.” On community health insurance: “Attempting to shift the burden of funding previously donor-funded services, such as HIV care and management, and TB treatment, onto contributory schemes would exacerbate their fragility and fail to protect the population.”7 The WHO says that community-based health insurance “cannot be expected to provide a major source of funding or coverage,” and noted that most schemes offer only moderate benefit to individuals paying into them, and exclude the poorest segment of the population.8 And yet, the US-Ugandan implementation plan says that community health insurance is “the central pillar of this [PNFP] sustainability strategy” and that this approach that will generate “pre-paid pooled funding at facility and community level [that] improves financial risk protection for households, reduces catastrophic out-of-pocket expenditure, and generates structured, transparent revenue streams that can progressively absorb recurrent costs including health worker salaries.” Unfortunately, Uganda’s own history suggests the pillar might not be able to bear this weight. Ugandans Have Been to this Rodeo Before—and Some Want Their Money Back Uganda introduced its first community health insurance scheme in 1996 with support from international donors.9 Thirty years later, somewhere between 0.2 and 0.3 percent of the population is covered by CHI; just over 1 percent has any kind of health insurance.10 User fees were universally introduced in 1993 as a condition of a World Bank loan.11 They were abandoned in 2001, and in 2004—the year I moved to Uganda to watch the free HIV program get underway—a definitive study found that the fees did not improve health systems and outcomes.12 In 2004, most clinics and hospitals had ‘free’ and ‘fee for service’ options for getting care.13 The fee for service, or “cash and carry” programs had often been established in the years prior to PEPFAR and the Global Fund to Fight AIDS, Tuberculosis and Malaria. People who could afford to paid for the drugs, often at facilities in the private-not-for-profit (PNFP) sector. When free drugs arrived, some people who’d been paying kept on doing so, perhaps because of shorter wait times, greater confidentiality, convenience or other factors. But in the year that I spent visiting the same clinics around the country week after week—including a “center of excellence” that maintained separate days for cash and carry clients and those accessing free ARVs—lots of people who had been paying tried to switch to the free option. They’d paid because they had no other choice. They’d sold pieces of family land, begged family members for loans, bought pills by the week, and sometimes by the day. Or they were just cash-strapped, like most of us, and wanted the funds for other things. 14 Twenty-two years later, this hasn’t changed. Ugandans pay out of pocket for 30-40 percent of their health care costs, leading one paper to declare that “falling ill is more than a health crisis. It is a financial emergency.”15 One recent study found that up to 48.5 percent of households dealing with tuberculosis sold something, took out a loan or dug into savings to defray the costs of TB care—which is supposed to be universally free.16 The Ugandan implementation plan does anticipate challenges. It proposes a phased approach, with 187 facilities introducing user contribution systems in Year 1, 152 in Year 2, and 153 in Year 3. Willingness to pay and feasibility studies will precede roll out; fees will be tiered by region, and a waiver system is proposed to ensure that no one has to pay who is unable to. Moreover, the plan provides for quarterly reviews of epidemiological data to “ensure that user contributions do not compromise epidemic control gains, ART continuity for the client cohort, TB case management, or PMTCT services.” Alt text: A screenshot of a table included in the implementation plan narrative that is the subject of this stack. It’s got a fetching pink bar at the top. It uses the abbreviation “CHI” which is Community Health Insurance, and FBO which is Faith Based Organizations, and it details the number of facilities that will implement user fees with waivers and community health insurance schemes over the five years of the agreement. As I said in the footnote, this is a super interesting document with a lot of other rich material. Tell me what you see—and what you would have focused on. And if you’ve seen something like this, or anything else that strikes you, in another implementation plan, tell me that too. You can use the Substack message platform or try me on Signal at @endaplague_again.25 (because @mercoonfan was, weirdly, taken). But the plan doesn’t fully explain what will happen if this approach doesn’t work out. Yes, progress will be monitored, and corrective action triggered. However, there is no specified funding replacement if premium and fee revenue prove inadequate. Instead, the authors write, “Currently, COEs serve a total client cohort of over 180,000 across 28 facilities. In the initial years, the U.S. Government (USG) will provide financial support for clients; over time, user fees generated by COEs will become the primary source of funding for sustaining their services.” Failure does not really seem to be an option. Health insurance schemes are more acceptable to the Ugandan population than user fees. Members of Parliament and civil society traveled to Ethiopia to see how that country’s scheme worked. In a follow up report, a veteran civil society group recommended allowing the “health insurance ecosystem to grow organically and [to] keep reviewing the law and regulations as this growth takes root.”17 One study found that more than three-quarters of Ugandans were willing to join a health insurance program.18 However, coverage of community-based health insurance is minimal, as is coverage of any kind of insurance—including private plans.19 A national health insurance scheme bill has been stalled for several years and presently sits with President Yoweri Museveni.20 Community-based health insurance scheme that do exist are expanding in number, but losing enrollees. Between 2022 and 2026, the number of community-based health financing schemes across the country increased by 42 percent, while the number of people enrolled decreased by nearly 11 percent.21 None of this means that community-based health insurance should not happen in Uganda—or that people do not want insurance. It doesn’t even mean that user fees and waivers won’t ever work. But there is highly relevant evidence from Uganda and the surrounding region that it is quite optimistic to describe community health insurance and user fees as central supports for sustainable financing in any sector of the health system. And now for the best-case scenario In the best-case scenario22, the Ugandan approach does exactly what it sets out to do, and so does the Liberian fee structure and revolving pharmacy fund—though I’ve not confirmed that these are in the MoU. In one best-case scenario, Uganda is an outlier, and user fees and community health insurance are not recurrent pillars of self-sustaining financing in other countries’ implementation plans. In another best-case scenario, all countries that include these strategies enjoy success beyond anyone’s evidence-informed wildest dreams: reliable funding generated by health care users fees, great health care outcomes for everyone, no exacerbation of inequities, no crippling household debt. No sold land, repurposed school tuition or high-interest loans. In the best-case scenario, not one of the hundreds of thousands of Ugandans living with HIV receiving antiretrovirals from 491 PNFP facilities misses a refill or leaves care because of user fees or community health insurance premiums. This is the best-case scenario for these people for their own health, and for their families. It is also the best-case scenario if Uganda wants to stay on the path to eliminating HIV as a public health threat. According to the country’s most recent data, 96.5 percent of people living with HIV on antiretrovirals are virologically suppressed. Epidemic control depends ensuring that 95% of people living with HIV know their status, 95 percent of those individuals are on ART, and 95% of those individuals are virologically suppressed. Uganda is still struggling with the first “95"—a frankly abysmal 85.3 percent. If HIV epidemic control and the attendant prevention of new infections, avoidable suffering and premature death matter, the country cannot afford to lose any clients who are currently in care.23 As I write this a couple hours before the polls close for the US elections in the city I live in, I say with soul-deep sincerity: I am rooting for the best-case scenario. I think it’s safe to say that we all are.24 I think it’s also safe to say that if the US and co-signatory governments have inked plans that lead to successful expansion of community health insurance and strategic use of user fees, we all would like to know, now, so that we don’t miss the opportunity to celebrate when success happens. The implementation plan narratives have to enter the public domain. They are the fullest expression of a strategy co-created by two governments. There are assumptions and details that people living in the US and co-signatory countries need to understand that are not available in the MoUs or, to date, in the Congressional Notifications. Some of these details can help other countries that are, as I write this, still working on implementation plans. Others, like a solid count of how many other countries have plans for expanding user fees or health insurance, are important for regional and global health architecture reform initiatives. No matter how this election night turns out, there will be a slew of new Congressional member orientations, briefings and talking points papers in the next few months. Release of implementation narratives should be a bullet point in every context that AFGHS is discussed. These documents can be redacted so that procurement sensitive information isn’t disclosed. There is much more historical precedent for sharing such documents than there is for relying on user fees to fill health financing gaps. Let’s look at the information together so we can hope for the best and prepare for, you know, the other thing. Alt text: A substack first: a bicep selfie! It’s my arm - peachy-white skin, black shirt (flannel, notch neck, too hot for this appallingly balmy November weather, if you’re wondering) and a sticker that says I VOTED 2026. Beige letters on red for I voted. Beige on blue for 2026. You bet I did.25 In your wildest dreams. Subscribe 1 This is a really, really rich 95 page document. There are fascinating ideas and detailed plans in it. It is all worth reading AND I have, in this post, highlighted an instance of content that could pose challenges and certainly posits success of strategies that haven’t worked before. I would love to hear what readers’ see that’s interesting and should be lifted up as something to check for in other implementation plans. I will also shortly be adding a static page to the substack site where implementation plan documents will live. I will put the url into this footnote and it will also be there on emilybass.substack.com by the end of the week. Uganda Implementation Narrative Section 4 April 22 2026 Draft 1.51MB ∙ PDF file Download Download 2 User fees are costs charged for visits, labs, medicines or other health services, usually at the time they are provided. Community health insurance, or community-based health insurance, is what the World Health Organization calls “micro insurance,” which is health insurance targeted at low-income people. 3 As usual (by which I mean always), please prove me wrong. 4 https://smartnewsliberia.com/liberias-ministry-of-health-announces-2025-hospital-service-fees-for-public-facilities/?utm 5 https://moh.gov.lr/news/2025/grand-cape-mount-leaders-residents-embrace-new-community-pharmacy-program/?utm 6 https://www.christianitytoday.com/2026/09/hiv-usaid-pepfar-africa-foreign-aid-cuts-mission-hospitals/?utm 7 https://gh.bmj.com/content/10/11/e021270 8 https://www.who.int/news-room/fact-sheets/detail/community-based-health-insurance-CBHI 9 https://pmc.ncbi.nlm.nih.gov/articles/PMC2827475/ 10 https://pmc.ncbi.nlm.nih.gov/articles/PMC10861328/#b3-jpmph-23-110 11 https://pmc.ncbi.nlm.nih.gov/articles/PMC527704/ 12 Same citation as the footnote 2 - the article is called “Learning from failed health care reform in Uganda.” To which I say: If only. If. Only. 13 There is a whole taxonomy of user fees to be aware of, if not commit to memory. Out of pocket costs are everything that someone pays for themselves. In this Stack, user fees are planned and policy-supported out of pocket costs. There are also out of pocket costs that people pay to buy drugs or receive tests or health care assessments that would be free if the drugs were on the shelves, or the machines or kits were available, or the staff were on site. A user fee is usually designed to be modest, pegged to willingness to pay, and may be waiveable at the point of care for anyone who is unable to do so. The costs for things that would otherwise be free are whatever the market will bear and people either have to pay them or go without. Out of pocket costs for services and stuff that aren’t available in public facilities are different again from bribes or unofficial fees that some health workers may impose, even though most are indefatigable, tireless and tired, and devoted to their clients. 14 For the record—which really is these footnotes—I would give a whole stack of fridge magnets for a systematic analysis of the economic and social impact of the Mass Unemployment Event in AFGHS countries among the very people who used to be able to afford and cover user fees, both for themselves and vast family networks. Locally employed USAID technical staff, house cleaners, caregivers, drivers and technicians were financial anchors for cousins, friends, friends’ children, friends’ childrens’ cousins, teachers, pastors, neighbors and so many other kinds of kin. Aid recipients lost direct funding; many other people who had not been aid recipients, but parts of the elaborate care webs that function as safety nets for so many people, lost crucial support too. And that’s even before we get to the people who worked at the hotels and restaurants and bars where people employed by the US and its implementing partners used to spend disposable income. Those businesses have lost revenue; those folks have lost jobs. It will be some time coming—and someone will have to fund this work—but I do hope it happens. And I hope, as usual, to be proven wrong. 15 https://eprcug.org/blog/how-out-of-pocket-healthcare-costs-keep-driving-ugandans-into-poverty/ 16 Another straight-to-the-point journal article title. Households experiencing catastrophic costs due to tuberculosis in Uganda: magnitude and cost drivers. https://pubmed.ncbi.nlm.nih.gov/32938411 17 https://www.cehurd.org/download/technical-policy-brief-on-community-health-insurance-scheme/?wpdmdl=13661&refresh=6ae9122f5d4ed1793659439 18 https://pmc.ncbi.nlm.nih.gov/articles/PMC10125197/ 19 https://pmc.ncbi.nlm.nih.gov/articles/PMC10861328/#b3-jpmph-23-110 20 https://ugandapost.news/uganda-to-make-health-insurance-mandatory-by-2026/ 21 https://shu.org.ug/download/235 22 With a nod, tip of the stack hat, and wag of the Mercoon tail to a deeply valued reader who told me that I have a tendency to speculate about the worst-case scenarios a little too much of the time. 23 https://news.mak.ac.ug/2026/10/uphia-2025-shows-ugandas-hiv-status-awareness-gap-despite-strong-treatment-outcomes/ As you’ll see in the next footnote, I’ve already written a subSubstack on another topic, so I will be brief with regard to the study referenced in this article. The Uganda Population-Based HIV Impact Assessment, or UPHIA, will never happen in this way again. For more than a decade, PHIAs have been supported by the US government as a way to generate accurate estimates of country progress on key HIV indicators. They are a holdover from the PEPFAR program that was laser focused on ensuring US taxpayer dollars subsidized progress in pandemic control. There may be other population-level surveys and the data may even be publicly released, as the entire set of FY2026 MER data have not. But PHIAs will never happen again. If you’re wondering whether the estimates of HIV progress at country level might get less reliable….you’re not alone. 24 Ooh baby, I hate “we” in almost all forms. But sometimes I go there, when I am looking for company, which I am. Because this Stack moves into the somewhat-uncharted territory of assessing what the implementation plan narratives may suggest about co-signatory countries’ roles and responsibilities to the people living within their borders. The MoUs, specimen and data sharing agreements were templates. Countries’ answers fit into pre-specified questions that did not include, “how are you going to fill financing gaps and stabilize your health system as this plan unfolds?” In contrast, the implementation narratives are open form—the product of co-creation between the two governments. Co-creation can mean lots of things, but nothing leads me to believe that implementation plans are ghost-written by the US government, or that contents were imposed by the US counterparts. Instead, I think the parts of the plans that read like country government initiatives are endorsed, if not initiated by, those governments. For instance, the Ugandan implementation plan narrative describes plans for revenue-generation through fees charged for equipment calibration, repair and maintenance provided through Uganda’s National Equipment Calibration Laboratory, and laboratory accreditation through the Uganda National Accreditation Service (UGANAS), targeting private sector, PNFP, research and academic clients. That’s super specific and also quite ambitious. It doesn’t read like an American idea. There’s also a provision for solar panels, and other stuff that feels country owned and driven. This is where it gets interesting. If co-creation is the case, then both the US and co-signatory governments are accountable for the contents and the outcomes. Most discourse about AFGHS to date has focused on the decisions that America has made, or demanded that other countries make. The AFGHS architects have monopolized the hot seat. As they should, in so many ways. America absolutely created the conditions under which countries needed to come up with health financing strategies to fill unanticipated, catastrophic funding gaps. And with not-too-long a lens, we can look back and see that America is also on the hook for its role in the Bretton Woods institutions that made user fees and health system fiscal austerity conditions of loans during the era of structural adjustment. But in the here and now, it is not at all clear to me that the US is requiring Uganda or any other country to implement specific approaches to sustainable financing. Instead, it is as the authors of that paper up in footnote 6 suggest: African governments have agency. As implementation plans roll out—whether or not the narratives are shared—it will be important to understand what this agency looks like and what it means for people, including the poorest of the poor. And it will be important to figure out how to talk about it safely, respectfully and critically in places other than the literal and metaphorical footnotes. 25 This week’s song is “Once upon a time” by the Moody Blues. (I know, this is gonna be a weird, largely banger-free end of 2026 playlist. HMU with requests.) AND please do watch the video and appreciate the truly amazing opening sequence—a drum kit wasteland, a coupla plastic bags, a bit of sand. Sort of like the hill where fiscal austerity policies that put costs on health care users might go to perish. But then there’s a lady with amazing hair. It’s worth it.
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The Last Disney+ Original?
(Welcome to my weekly streaming ratings report, the single best guide to what’s popular in streaming TV and what isn’t. I’m the Entertainment Strategy Guy, a former streaming executive who now analyzes business strategy in the entertainment industry. If you were forwarded this email, please subscribe to get these insights each week.) Before we get going, I wanted to remind readers about how I plan to keep your trust while I add advertising to this newsletter. As you’ve no doubt noticed, I’m running ads now, but the danger is that it could impact my analysis and writing. I have a list of sponsors on my About Page, so if you think I’m biased, you can check out who’s sponsored this newsletter! This is something that I’m not sure anyone else in digital media does (if you’re a writer or media outlet and you do this, let me know and I’ll shout you out!) but it’s something I’d love to see embraced by the entire industry. Sunlight, i.e. transparency, is often the best disinfectant. Okay, on to this week’s issue. We (finally) have another major Disney+ TV show to talk about, so that’s my main focus for today. Plus, we had a lot of new shows come out, including the fourth seasons of The Diplomat and Tulsa King! And Love is Blind! The Lowdown! Also, four (four!) straight-to-streaming films came out this week, featuring a lot of big names and celebrities, so I’m going to look at those. All that, mixed news for the WNBA, Reacher ends its run on the charts, Skydance does well in September viewership, NYU’s Sundance dominance, all the flops, bombs and misses, and a whole lot more. Let’s dive right in! (Reminder: The streaming ratings report focuses on the U.S. market and compiles data from Nielsen’s weekly top ten viewership ranks, Luminate’s Top Ten Data, JustWatch and Reelgood interest data, Samba TV household viewership, company datecdotes, Netflix hours viewed data, Google Trends, and IMDb to determine the most popular content. While most data points are current, Nielsen’s data covers the weeks of October 12th to October 18th, 2026. You can find a link to my terminology here.) Subscribe Television - Disney+’s Porridge Problem Listen, per my headline, VisionQuest isn’t the last Disney+ Original. At least, I’m pretty sure it’s not. They have other MCU shows in development. Well, maybe one: But it sure feels like the end of an era. I’d call it their “porridge too hot” era, to quote myself from The Ringer. I told Ben Lindbergh that Disney+ seemingly couldn’t figure out the right amount of content. In the heights of the Streaming Bubble Era (circa 2019 to 2022), they started releasing an insane amount of TV shows. After their growth slowed, they’re down to two or three shows a year, and that might be down to 1 by 2027. Here’s my TV shows by year chart: Even at the time, I thought Disney was making too many shows (that cost too much). Today? They’re definitely making too few shows (though the budgets are more in check, at least according to the reporting). Porridge too hot, porridge too cold; too many shows, now not enough. Which makes evaluating VisionQuest so interesting. This show didn’t have a great lead-in, whether it be a Marvel Cinematic Universe film (the last non-Sony-produced-Spider-Man flick came out The Fantastic Four from July of 2025) or Marvel Cinematic Universe TV show (the two this year were Wonder Man back in January and _Daredevil: Born Again_in May, both of which underwhelmed). And so far, VisionQuest hasn’t quite recaptured the MCU Originals glory, but it has some signs of sparks. First, it made Samba TV, though at a lowly ninth place. At least it made it, a feat some other Marvel shows didn’t accomplish. (Ironheart landed on the Samba TV charts one week at tenth place, but Wonder Man and Daredevil: Born Again both missed.) VisionQuest also made Luminate, though with only 3.0 and 7.6 million hours. But it missed Nielsen in its first week. The best news might be its 7.8 on IMDb, on 12K reviews so far, great numbers, even for a superhero show. Looking at those numbers, this show will really need to pick up in future weeks—and it may since it’s coming out weekly—or Disney will have another disappointment on its hands. Disney+ binge-released their last few shows to try to boost numbers, but that meant shows like Iron Heart and Wonder Man didn’t last long on the charts. _Daredevil: Born Again’s_last season missed entirely (though it came out weekly). Here’s the Disney+ Originals by totals: And for a fun new look, here are those same shows, rearranged by the years they came out: That really shows that, in addition to Disney+ releasing fewer shows, those shows just don’t hit like they once did. If I had to offer one main explanation, it’s that Marvel Studios moved away from characters who starred in the Avengersmovies (The Scarlett Witch, Vision, Hawkeye, Loki, Falcon, Winter Soldier) to characters who didn’t (Moon Knight, She-Hulk, Iron Heart, Wonder Man, Daredevil). It sounds trite, but more popular IP tends to do better than less popular IP. In Marvel’s case, beloved, decades-old characters trump newer ones. And yes, I think this is a problem for Disney. The failure of Marvel TV shows to linger for weeks on the charts, unlike in 2021 and 2022, explains why Disney’s share of the charts has plummeted: That’s a strategic issue. Yes, these shows are really expensive, but without them, Disney+ will struggle, especially if Disney+ keeps raising prices AND licenses out its shows non-exclusively. My recommendation? Return to the core value proposition, which is Disney+ as “genre HBO”. The goal is six shows a year, coming out weekly, spaced out throughout the year. When a show hits, keep it coming back. Make three to four of those shows Marvel or Star Wars, and fill out the rest with IP swings like Percy Jackson, Goosebumps or something like National Treasure. And make YA-skewing shows like Coven Academy to fill out the schedule. Disney, you can get this porridge just right, er, make the right number of shows. Quick Notes on TV Netflix’s sophomore, er, junior, er, senior season slump abated very, very slightly this week. I speak of The Diplomat, which returned for its fourth season on 15-Oct. Credit where credit is due, this show debuted in April of 2023, and has put out new seasons every year since. Has that helped the viewership? Not really. This season opened to 16.4 million hours, which is down significantly from the first season (21.7 million hours) and down somewhat from the second season (18.0 million hours), but it is up from last year’s 14.2 million hours opening. On Samba TV, it opened to third place; that’s also very good. On Luminate, it opened to 25.0 million hours, which is good, but over thirty million hours is a hit on that platform. Netflix wisely renewed it, since it’s steady and, frankly, Netflix needs hits.1 Paramount+ put out Tulsa King’s fourth season on a Friday. After putting out most of their big, usually-Taylor Sheridan-scripted shows out on Sundays last year, they’ve clearly moved to Fridays going forward. Was this a thought-out strategic change, Netflix mimicry, or a data-inspired move? Tough to say. Fridays are crowded with new movies, but so are Sundays with new shows. Anyways, this one is coming out weekly, and we haven’t seen it hit the Nielsen or Luminate charts yet. But it did make Samba TV at fifth place, which is a good opening. Still, if this doesn’t make Luminate or Nielsen next week, I’d call it a disappointment. Netflix had two unscripted shows hit the charts this week, one a docu-series and one a reality competition show. Tyson is a four-episode docu-series about one of boxing’s most popular fighters, and it made both the Samba TV and Luminate charts, but not Nielsen. That’s a solid run for only four episodes (assuming it didn’t cost an arm and a leg to produce). Netflix’s latest season of Love Is Blind also returned for its eleventh season, which opened to 10.0 million hours, down from previous seasons. It also had 11.0 million hours according to Luminate, roughly in line with the Nielsen numbers. Last issue, I analyzed the triple successes of Below, Carrie and Crystal Lake, noting that all three have done well. I mostly used Nielsen, but all three shows also made Samba TV (see above). Crystal Lake in particular did very well on Luminate, getting 35.0 million hours, top for Peacock among first seasons: The top “show” of the week would have been Thursday Night Football again, at 41.7 million hours. This is still above last year’s game, but it continues the season’s overall downward trend, which happens every year. (Though a big week is coming, based on the news stories I’ve seen.) As I said before, I’ll do a deeper dive on all the October games later this month, with comparisons to previous years. One company is quietly on a roll, when you consider the shows it makes and streams. I speak of Skydance—a point Variety made—noting that it produces Neagley and Reacher for Amazon, along with Paramount+’s Lioness, which means it produced three of the top four shows of September according to Nielsen. By the way, Neagley fell off the Nielsen charts after four weeks, which is a pinch short for how well it started, but it’s still a huge success. (Interestingly, it finished just 7.3 million hours ahead of the cancelled Ride or Die.) The point, though, which I’ve made before, is that Prime Video still has a problem with how many co-productions it buys, most notably _The Boys_from Sony and Reacher/Jack Ryan from Skydance. It’s not a critical flaw—everyone licenses shows—but Amazon still struggles to make its own hits. Reacher finally fell off the Nielsen charts, so here’s its final rank for season four: We’re just getting started with this issue, but the rest is for paid subscribers of the Entertainment Strategy Guy, so if you’d like to find out… ...An example of the algorithm NOT picking a film… …whether or not Netflix buys shows simply for the movie poster… ...if East of Eden is above the Obliterated Line... ...what four star-studded straight-to-streaming films didn’t chart... ...and a whole lot more... ...please subscribe! We can only keep doing this great work with your support. If you want an idea of just how much content you’d get in a full issue, check out this older issue.
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