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‘This Is Surreal’ – Tottenham Youngster Reacts to Premier League Debut
Luca Williams-Barnett has described his Premier League debut for Tottenham Hotspur as "surreal" after making an instant impact off the bench in Saturday's 2-0 win over Crystal Palace. The 18-year-old came off the bench in the closing stages at Tottenham Hotspur Stadium, finally making his first Premier League appearance after multiple inclusions in the matchday …
Where Life Science Scales in Basel
The Basel region is one of the world’s leading life-science clusters. Pharmaceutical companies, biotech firms and research institutions benefit from a unique combination of talent, infrastructure and international collaboration. As the industry continues to grow, the demand for scalable laboratory and office environments within this innovation ecosystem is increasing.
Watch Zac Taylor's press conference to start NFL Week 9
Cincinnati Bengals head coach Zac Taylor addresses the media to start Week 9.
CHI Health offering personalized ‘Tree of Love’ ornaments to benefit central Nebraska hospital foundations
Community members in Kearney and Grand Island can honor loved ones while giving back to local healthcare initiatives this holiday season through CHI Health’s annual Tree of Love.
Bengals’ Zac Taylor Sends Clear Message Despite Win vs Titans
The Cincinnati Bengals were able to pull off a win against the Tennessee Titans who are struggling as a football team.Though Bengals head coach Zac Taylor was thrilled about the win, there’s also some concern about how Cincy starts football games.“We won. I want a complete game, (and) I want to start the first quarter […] The post Bengals’ Zac Taylor Sends Clear Message Despite Win vs Titans appeared first on HEAVY.
Dark Chocolate, The Celebrity Treat With Surprising Health Benefits
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
Alpharus Health Expands Learning Institute to Strengthen Illinois Behavioral Health Workforce
Chicago, IL, Nov. 03, 2026 (GLOBE NEWSWIRE) -- Alpharus Health recently expanded its Learning Institute by adding two experienced workforce development leaders who will help advance the organization's commitment to professional education, training and workforce development across Illinois. The expansion is being led by the addition of Lisa Abrams, Director of the Learning Institute, and Kathrina St. Flavin, Learning and Development Specialist. Their combined expertise in training, instructional
Arkansas Health Insurance Marketplace enrollment open until January 2027
Enrollment for Arkansas Health Insurance Marketplace is now open until January 15, 2027 for beneficiaries to review,
Annual Benefits Enrollment: Health Savings Account and Flexible Spending Accounts
Enroll during 2027 Annual Benefits Enrollment to contribute to a 2027 Health Savings Account (HSA) or a medical or dependent care Flexible Spending Account (FSA).
BrainsWay Announces Strategic Collaboration with Mindful Health Solutions
Latest Collaboration Comes Amid Progress in Other Strategic Initiatives, Including Follow-on Investment in Earlier Minority Stake Investment TargetBURLINGTON, Mass. and JERUSALEM, Nov. 02, 2026 (GLOBE NEWSWIRE) -- BrainsWay Ltd. (NASDAQ & TASE: BWAY) (“BrainsWay” or the “Company”), a global leader in advanced noninvasive neurostimulation treatments for mental health disorders, announced a strategic collaboration with Mindful Health Solutions (“MHS”), an established provider of comprehensive beha
Gina Hinojosa holds early lead over incumbent Greg Abbott in Texas’ race for governor
Democratic state Rep. Gina Hinojosa has taken an early lead over Republican Gov. Greg Abbott as votes are counted in Texas. Abbott is seeking his fourth term in office.
CHI Health offering personalized ‘Tree of Love’ ornaments to benefit central Nebraska hospital foundations
Local4 News at 5
McDonald’s fundraiser to benefit 22 SE Michigan high school sports programs
McDonald’s is having a fundraiser to benefit 22 Southeast Michigan high school sports programs.
Benge Named An NL Rookie Of The Year Finalist
Knicks bench comes alive in groggy win over Nets
Food Synergy Explained: How Nutrients Work Together to Influence Health
Food components interact within meals and dietary patterns to influence nutrient absorption and health. Research supports specific pairings, such as vitamin C with plant-based iron, while evidence for additional benefits from combined dietary and lifestyle changes remains uncertain.
Businesses report growing benefits from gender equality
New ILO report finds progress in women’s business leadership but calls for greater focus on implementing gender equality and diversity initiatives to sustain gains and scale up what works.
Marked Tree man accused of assaulting health care workers, spitting on them
A 61-year-old Marked Tree man allegedly struck a nurse, bent another nurse’s hand backward, and spit on hospital employees during an Oct. 20 incident, according to a probable cause affidavit.
Democrat Bob Brooks wins election to U.S. House in Pennsylvania's 7th Congressional District
2026 ELECTION COVERAGE: Watch Live | Poll Closing Times | All Live Results | Live Updates | Live Fact Check Democrat Bob Brooks won election Tuesday to the U.S. House of Representatives representing Pennsylvania's 7th Congressional District, defeating Republican incumbent Ryan Mackenzie. Brooks, who worked as a firefighter and union leader, concentrated on his blue-collar background, saying he understood the affordability issues facing voters in the Lehigh Valley battleground district. Mackenzie's ties to President Donald
Inside Iowa Politics: Why this national election legal scholar is concerned about close elections
Ben Ginsberg, a longtime campaign election legal advisor, is urging candidates to accept the results of voters' decisions in the 2026 elections.
Compass expands agent benefits with health and retirement support
Compass launched concierge healthcare and retirement planning for 250,000 agents, including ACA navigation and Solo or team 401(k) setup.
How to Maintain Muscle Mass as You Age With Diet and Exercise
Adequate protein intake and resistance exercise support muscle strength and function during aging, when muscles often respond less strongly to dietary protein. Evidence for supplements varies, with creatine showing benefits alongside resistance
Razorback Report Card: Missouri Postgame
Arkansas knew the assignment. That makes the final grades harder to excuse. The Missouri pregame report card established specific benchmarks for stopping the run, disrupting Austin Simmons, sustaining the rushing attack, protecting KJ Jackson’s efficiency, and avoiding self-inflicted damage. Those standards were published before kickoff, with an explicit promise not to move them afterward to …
Astros reportedly interview Yankees bench coach for managerial vacancy
The Astros are searching for a new manager.
Urbanite Theatre's 'Ahoy-Hoy' Dials Up Fun
Alexander Graham Bell invented the telephone, right? Maybe not, in Jenny Stafford's often hysterical comedy.
Who is Riley Green? 'The Voice' judge to headline new Riverbend venue
Riley Green is the first artist to be announced to perform at the new Farmer Music Center. So, who is he?
NBAA Mentoring Network: Building the Future of Business Aviation
The NBAA Mentoring Network pairs experienced professionals with students and others exploring careers in business aviation. Mentors share their knowledge, while mentees gain guidance and connections – and the industry benefits from a stronger workforce.
CHI Health offering personalized ‘Tree of Love’ ornaments to benefit central Nebraska hospital foundations
Local4 News at 5
Bengs speaks on data centers, money in politics ahead of elections
The war in Ukraine, data centers and the release of the Epstein files. All topics expectant voters wanted Brian Bengs, South Dakota’s independent candidate for U.S. senate, to comment on...
Good ads have a new name, ‘entertainment-first’ and SharkNinja is using it for its holiday campaign
Beneath the celebs, social media rollout and creators is an ambition the ad business has chased since the jingle.
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.
Trump says $4 billion in Israel military aid will end this year, citing political reasons
President Donald Trump on Tuesday said he made a deal with Israeli Prime Minister Benjamin Netanyahu that will see the U.S. "cut off" military aid to Israel this year.
Top 3 Streaming Stocks to Watch as Digital Entertainment Demand Grows
Alphabet, Sony and Fox stand to benefit from the streaming boom as live sports, premium content and rising connected-TV ad spending reshape digital entertainment.
‘James Bond’ Star Ben Whishaw Says 007 ‘Needs to Be Reinvented Completely’—Calls Casting Buzz ‘Deliberate Hype’
Ben Whishaw says the James Bond franchise “needs to be reinvented completely.” The 46-year-old actor, who played Q opposite Daniel Craig, offered his assessment in ... Read More
Live Results: Maine Senate midterm election
Maine's Senate election pits incumbent Republican Sen. Susan Collins against Democratic former state Senate President Troy Jackson.
CVS Health moves to dismantle $117bn healthcare empire
Potential spin-off of drugstore business comes as political pressure mounts on pharmacy benefit managers and health insurers
These DSA candidates are poised for midterm wins
Most of these candidates come from Democratic strongholds, and several toppled seasoned incumbents in the primaries. They are expected to win their elections on Nov. 3.
Beyond screens: Mercedes-Benz's new holographic heads-up display
After pioneering the passenger screen, Mercedes has designs on the windshield.
‘I’ve been chased and shot at’: Denzel Bentley on trauma, street violence and brutal boxing politics
Stripped of his WBO world title and numbed by violent deaths of friends in Battersea, the middleweight tells Donald McRae he is determined to press on in pursuit of fights and titles
Jets sign OL Blake Freeland off Bengals' practice squad
Adam Schefter Reveals Strong Bengals Trade Pivot
The Cincinnati Bengals are reportedly one of the six teams that have made an aggressive offer to the Indianapolis Colts for running back Jonathan Taylor. However, Adam Schefter mentioned that if the Colts do trade Taylor, there will be five teams that are looking to pivot, and the Bengals would be one of those teams. […] The post Adam Schefter Reveals Strong Bengals Trade Pivot appeared first on HEAVY.
Democrat Gina Hinojosa wins election for governor in Texas
Democrat Gina Hinojosa won election Tuesday as governor of Texas, defeating Republican incumbent Greg Abbott.
St. Mary’s University professor brings unique salamander study to campus
Assistant Professor of Biological Sciences Ruben Tovar, Ph.D., brings his research and lab of blind salamanders to St. Mary’s University.
Martha Stewart apologizes twice for homeless Halloween costume
Martha Stewart dressed as a person struggling with poverty for Halloween. She addressed the backlash on Sunday.
Political science professor explains why incumbents rarely lose
Mio Sushi closes in Bend after nearly 20 years in business
BEND, Ore. (KTVZ) -- After almost 20 years in business, local sushi restaurant Mio Sushi is closing after the Old Mill District decided not to renew it's lease. Mio Sushi had some of the county's lowest health inspection scores in recent years, with violations including improper sanitation, food storage temperatures and missing food handler permits.
College of Business navigates leadership changes following faculty departures
Clemson University has seen significant changes in its administration and faculty during the 2026-2027 academic year, particularly within the Wilbur O. and Ann Powers College of Business. Most notably, the University is led by a new president, Benjamin Ayers, who holds a Ph.D. in accounting and is a former dean of the University of Georgia’s...
Will Kings’ Bench Production Improve in Winless Streak?
Sacramento’s historic 0-6 start stems from a league-worst second unit. Discover why coaching rotations and key injuries have left stars like Malik Monk struggling to provide depth.
Live Results: Alaska Senate midterm election
Voters in Alaska are deciding between incumbent Republican Sen. Dan Sullivan and Democratic challenger Mary Peltola.
OU fires offensive coordinator Ben Arbuckle
OU has fired offensive coordinator Ben Arbuckle, as first reported by CBS Sports.
Economist Warns Health Insurance Costs Are Quietly Eating Into Wage Growth — Workers Could Be Getting Bigger Raises If Premiums Weren’t Soaring
Economist Guy Berger, director of economic research at the Burning Glass Institute, said employer health insurance contributions jumped 6.4% in the third quarter, matching the fastest pace in two decades, adding that "employees are paying a bigger share of premiums."...
Notre Dame Opponent Preview: Miami Hurricanes
The top-ranked Hurricanes bring an unblemished record and a high-octane passing attack to South Bend. Mario Cristobal’s squad faces its ultimate test against the Irish under the lights.
Ensuring health equity with the use of AI
Only 13% of articles examined in a review of artificial intelligence (AI) and health equity explicitly defined health equity—a gap that could leave AI-driven approaches benefiting the most advantaged ...
WATCH: Democrat Troy Jackson speaks after Maine Sen. Susan Collins concedes
Jackson won election Wednesday to the U.S. Senate representing Maine, defeating Republican incumbent Sen. Susan Collins.
Cam Ward needs to build on yesterday’s performance against Bengals
Is the former first overall pick finally ready to take a leap?
UCF begins preparations for Kansas with uncertainty at quarterback
Once again, UCF faces a quarterback quandary. The Knights found themselves forced to make a quarterback change in their 41-9 loss to Baylor on Friday night after starter Keyone Jenkins went down with an ankle injury early in the third quarter. The senior had been dealing with the injury for several weeks, coach Scott Frost said after the game. Alonza Barnett III stepped off the bench to finish ...
Tight ends coach Jason Witten reportedly taking over as OU's offensive play-caller
Tight ends coach Jason Witten will be taking over as offensive play-caller after OU fired Ben Arbuckle, according to SoonerScoop.
Democrat Janelle Stelson wins election to U.S. House in Pennsylvania's 10th Congressional District
Democrat Janelle Stelson won election Tuesday to the U.S. House of Representatives representing Pennsylvania's 10th Congressional District, defeating Republican incumbent Scott Perry.
Nearly Half of Young Adults Surveyed Worry their Financial Health Could Affect Major Financial Milestones
According to a recent Equifax survey, rising costs are changing how Canadians are managing their credit, with younger adults and families facing mounting financial impactTORONTO, Nov. 03, 2026 (GLOBE NEWSWIRE) -- Nearly half (49 per cent) of Canadians surveyed aged 18 to 34 worry their financial health and credit score could affect a major financial milestone in the next 12 months, according to a new Equifax Canada* Financial Literacy survey. That compares with 31 per cent of those aged 35 to 54
DOL Final Rule Expands PBM Transparency for Self-Insured Health Plans
The U.S. Department of Labor’s (DOL) Employee Benefits Security Administration (EBSA) has issued a final rule imposing new disclosure requirements on
From Cozy Board Books to Spooky Manors, These Kids’ Titles Top the 2026 Holiday Gift List
It's the holiday season, and when you get tired of endless clothes racks, toy displays and internet discount codes, you can find refuge in a bookstore. Books are a wholesome gift choice and, when picked carefully, provide hours of entertainment and a lifetime of benefits; after all, knowledge is ...
Vote Smart Empowers Human Judgment as AI Influences Politics
Elise Blum and Dr. Kyle Dell examine who selects the information behind AI-generated political answers and why citizens must retain the final judgmentDES MOINES, Iowa, Nov. 02, 2026 (GLOBE NEWSWIRE) -- As voters turn to artificial intelligence to research politics, Vote Smart board member and educator Elise Blum and Executive Director Dr. Kyle Dell are urging citizens to examine the sources, standards, and incentives behind the answers they receive. In their opinion essay, “Preserving Human Agen
Sabres Get Major Zach Benson Update After Missed Practice
The Buffalo Sabres got some worrisome news on Monday. In addition to Konsta Helenius being ruled out as week-to-week, Zach Benson missed practice. It wasn’t necessarily an expected absence, and so it raised worries about a potential injury absence for the dynamic winger. Buffalo was returning home from a West Coast trip, and the Sabres […] The post Sabres Get Major Zach Benson Update After Missed Practice appeared first on HEAVY.
Benefis Health System to restructure services, citing financial pressure
Benefis Health System is preparing to restructure several services in Great Falls beginning December 19 and continuing into the new year.
Jets sign OL Blake Freeland off Bengals' practice squad
The Jets signed offensive tackle Blake Freeland off the Bengals' practice squad, the team announced Tuesday.
Chiefs Add Intrigue In Offensive Line As Guard Gets Benched
Compass rolls out healthcare, retirement support for agents
The brokerage has partnered with health and financial providers who can offer free, concierge-style guidance, and it plans to introduce more benefits next year.
Prop. 5: Will California voters change the rules for recall elections?
Proposition 5 on the California ballot would change the rules for recall elections in a way that would help incumbents
BBSI Opens Pittsburgh Branch, Expanding Business Services in Pennsylvania
VANCOUVER, Wash., Nov. 02, 2026 (GLOBE NEWSWIRE) -- Barrett Business Services, Inc. (BBSI) (NASDAQ: BBSI), a leading provider of business management solutions and one of the largest professional employer organizations (PEO) in the U.S., announced the opening of its BBSI Pittsburgh branch in Canonsburg, Pennsylvania. The Pittsburgh branch expands BBSI’s local presence in western Pennsylvania and provides small and mid-sized businesses in the Pittsburgh market with local access to BBSI’s payroll,
Democrats flip New Jersey House seat held by Republican Tom Kean
Democrat Rebecca Bennett, a former Navy helicopter pilot, on Tuesday defeated two-term Rep. Tom Kean, who missed four months of votes in Washington this year as he underwent treatment for depression, a diagnosis he did not disclose until his return.
Benedictine Professors Speak at Catholic Social Science Conference
Two Benedictine College professors participated in the recent 34th Annual Conference of the Society of Catholic Social Scientists (SCSS) at John Carroll University in Ohio. Mike Parrott, Assistant Professor in the School of Business, and Lucia Luzondo, Assistant Professor in the Department of Sociology and Criminology, presented at the conference
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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