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Jaguars vs. Eagles: How to Watch Week 5
Game time, TV/radio schedule, betting odds, and more for Jaguars vs. Eagles in Week 5.
Survey results: Fans split on the Giants’ playoff potential
Giants fans don’t think their team can win the division, but give them better odds at being a Wildcard.
Modders make PS5 play original PS2 discs, a feature Sony never added
PS5SX2 adds support for physical PlayStation 2 discs on modified PS5 consoles. The feature requires an existing game dump and is not yet confirmed to work in public builds.
Tulsa vs Navy Prediction, Pick, NCAAF Odds for October 10
Read Tulsa Golden Hurricane vs Navy Midshipmen predictions, picks and odds in our college football preview for Saturday, Oct. 10.
The midterms are getting close. Why is Trump in Upstate New York?
Trump is betting that his presence can turn out conservative Republicans in the gubernatorial race. But even some in the MAGA base aren’t confident about his odds.
Digital detox how-to; artificial intelligence in nursing; when to see your doctor about GI issues; plus other stories with Vanderbilt Health sources
Prevention interviewed Beth Malow, MD, Professor of Neurology and Pediatrics in the Vanderbilt Sleep Division, about a study that found insomnia is linked with a 26% higher risk of stroke and 28% higher odds of hospital admission. William Schaffner, MD, Professor of Health Policy, was quoted by Parade about the most common COVID symptoms people are experiencing right now, HealthLeaders interviewed Deonna Taylor, PhD, ACMP, RN, Vice President and Chief Nursing Officer, Adult Ambulatory Nursing, about how artificial intelligence will affect nursing practice. The Wall Street Journal interviewed Joseph Schlesinger, MD, Professor of Anesthesiology Critical Care Medicine, for a story about ICU alarms keeping patients from getting sleep and creating alarm fatigue for nurses. Cathy Eng, MD, Executive Director of the Young Adult Cancers Program was interviewed by the The New York Times about GI symptoms that patients should not ignore. Heather Jackson, PhD, APRN, Administrative Director, Advanced Practice, was interviewed by Fox17 about nurse practitioner roles becoming the fastest growing job in the next 10 years. Prevention interviewed Jonah Garry, MD, Assistant Professor of Medicine, Division of Cardiovascular Medicine, for stories about how sleep impacts your heart health and how to do a digital detox.
Call of Duty: Modern Warfare 4 Launch Rollout Adds DMZ Early Access
Call of Duty: Modern Warfare 4 has added DMZ to its list of early access experiences available for pre-order players ahead of its launch later this month.
MLB’s Next 5 Years: Realignment, Expansion, and 154 Games?
The latest schedule proposal adds to major changes on the way.
P7 DarkSword iOS Exploit Kit Adds Crypto Wallet Data Theft and Remote Commands
P7 DarkSword adds on-device keychain and crypto wallet data theft to the iOS exploit kit, alongside two-way C2 communication.
Oklahoma State vs. UCF: Kickoff Time, TV Channel, Betting Odds and What to Know
No. 18 Oklahoma State returns to Boone Pickens Stadium Saturday for a sold-out Big 12 showdown against UCF. Here's everything fans need to know about kickoff, TV coverage, betting odds, Stripe the Stadium, and the key matchups as the Cowboys look to improve to 2-0 in conference play.
Iron Mountain adds ViaTeK Solutions to ITAD business
Iron Mountain has added ViaTeK Solutions, a Florida-based IT asset disposition (ITAD) and electronics recycling company, to its asset lifecycle
Bears Get Troubling Kyle Monangai Update Contradicting Ben Johnson Report
The Chicago Bears got an unfortunate bit of information on the health of Kyle Monangai that was at odds with what Ben Johnson said recently. The post Bears Get Troubling Kyle Monangai Update Contradicting Ben Johnson Report appeared first on HEAVY.
NFL Coaches Discuss Minnesota Vikings Signing Odell Beckham Jr
Desperate to spark a stagnant offense, Minnesota adds the veteran playmaker to bolster a struggling receiving corps and provide relief for an ailing Justin Jefferson.
Miami billionaire Ken Griffin adds $25 million to a South Florida hospital gift
The institute named for him is set to open in 2029
SMCM Adds Research Vessel for Undergraduate Marine Science
A boat that St. Mary’s College of Maryland’s marine science faculty say they wanted from the day the program was proposed finally tied up on campus Wednesday, ending a roughly four-year trip from a federal budget line to the college waterfront. The R/V CY46, a 46-foot research vessel, reached St. Mary’s City just before noon […]
Kansas Baseball Adds Midweek Showdown Against Vanderbilt
Kansas Baseball Adds Midweek Showdown Against Vanderbilt
Rust upstart reveals 'reimplementation' of Microsoft Office – with Claude on coding duty
ArtCraft adds Word, Excel, and PowerPoint lookalikes to its open source lineup, but they're not ready for production
The Witcher 3: Wild Hunt – Remastered Patch Adds Bloom Toggles on Console and Larger Lighting Changes
The Witcher 3: Wild Hunt – Remastered just got a significant update to tweak the presentation of CD Projekt’s RPG epic. Check out the patch notes.
New Mundelein business adds to Lake County’s brewing history; ‘It’s a homecoming’
Owner Ben Fenton, a Mundelein native, says the community’s concentration of breweries makes it a destination for craft fans.
Opposing political groups go head-to-head on Austin’s Prop I
Two political groups in Austin are at odds over a charter amendment proposition on the November ballot, and both held press conferences on Wednesday to share why they support or oppose the measure.
Opposing political groups go head-to-head on Austin’s Prop I
Two political groups in Austin are at odds over a charter amendment proposition on the November ballot, and both held press conferences on Wednesday to share why they support or oppose the measure.
Chase Adds Payroll to Larger Business Banking Offering
Chase is expanding its payroll service to help business clients dealing with cash flow pressures. The new offering, announced Wednesday (Oct. 7), brings
ESPN BPI: Surging Timberwolves Projected 48 Wins, 95.5% Playoff Odds
The NBA preseason is underway, and the Minnesota Timberwolves opener showed plenty of promise. Now, ESPN’s Basketball Power Index is saying encouraging things about the team, too. The Wolves finished 49-33 last season, reached the Western Conference semifinals, and are entering 2026-27 with several roster changes. Just how high are the expectations for the Wolves? …
Utah expands healthcare AI sandbox with August AI, Nolla Health pilots, adds third-party evaluators
Utah is expanding the state's AI regulatory sandbox program with new pilots to test AI-supported prescription renewals, dermatology and physical therapy, while adding physician oversight and indepe | Utah is expanding the state's AI regulatory sandbox program with new pilots to test AI-supported prescription renewals, dermatology and physical therapy, while adding physician oversight and independent third-party evaluators to strengthen safety and accountability.
Sporting director move a positive one
Micky Moore's arrival as sporting director at Port Vale is good news says boss Jon Brady and adds he knows results have to improve.
Pittsburgh Opens as Only Four-Point Favorites vs. UNC
Oddsmakers predict a narrow clash as the undefeated Pittsburgh Panthers host a struggling North Carolina Tar Heels squad.
See September business openings and what's coming to Abilene
Abilene saw business changes in September. See the month's openings and what's to come.
Yoshinobu Yamamoto adds to his already sterling postseason résumé, puts the Dodgers back in control in NLDS Game 3: 'He’s just not afraid'
Plessinger Signs With Triumph For Supercross And Motocross
Photos by Triumph Racing. Aaron Plessinger is heading to Triumph, inking a two-year agreement to campaign the TF 450-X for 5.11 Triumph Factory Racing in AMA Supercross and Pro Motocross. He takes on an important role in Triumph's 450 development program for the 2027 SuperMotocross World Championship. [cuttext][/cuttext] The move ends Plessinger's five-season run with Red Bull KTM Factory Racing. For Triumph, the signing adds a proven race-winner to a program still establishing itself at the spo
Ravens vs. Falcons odds: Opening lines for Week 5 matchup
The Ravens open Week 5 as underdogs for the first time this season.
Updated Super Bowl 61 betting odds after Week 4 games
This is a look at the updated Super Bowl 61 odds.
IPM Food Pantry adds a new harm reduction vending machine
The Ohio Department of Health lists nearly 100 Naloxone vending machines all across the state
Houston Texans Opening Odds Vs Tennessee Titans
Texans odds against the Titans presented by FanDuel
Saints vs. Vikings odds: Opening lines for Week 5 matchup
The Saints will take the undefeated Vikings in the Superdome on Sunday
Bluevine adds Coverdash business insurance to banking platform
Jersey City-based Bluevine has added Coverdash-powered commercial insurance options to its digital banking platform for small businesses.
Cincinnati nuisance business rules for late-night bars face fierce opposition
A proposed crackdown on Cincinnati’s so-called nuisance businesses has put City Hall at odds with some late-night bar and nightclub owners.
macOS 27.2 Adds Touch Gestures Ahead of MacBook Ultra
macOS Golden Gate 27.2 adds code referencing new touch-specific gestures in apps like Safari, Notes, Photos, and Quick Look, a possible sign Apple is preparing to release the rumored OLED touchscreen MacBook, possibly called the "MacBook Ultra". Code in the latest beta adds new gesture recognition tools to several Apple apps.
Fantasy Football Waiver Wire: 9 Must-Adds for Week 5
Week 4 on the 2026 NFL schedule is nearly in the books, and fantasy football managers can start pivoting toward Week 5. It also marks the start of a particular bane of fantasy managers' existence for the year: bye weeks. Just two teams, the Carolina Panthers and Kansas City Chiefs, are idle in Week 5, …
Google Wallet for Android adds 12th digital state ID
Following the last launch at the end of August, Google Wallet is rolling out support for Oklahoma state IDs on Android.
49ers’ Mike Evans Reveals Truth About Playing Through Rib Injury
Mike Evans was not expected to play this week. He suited up anyway. The San Francisco 49ers receiver played through a painful rib injury in a 24-14 win over the Denver Broncos. Evans Beats the Odds for the 49ers Evans hurt his ribs in Week 3 against the Arizona Cardinals. Many assumed he would miss […] The post 49ers’ Mike Evans Reveals Truth About Playing Through Rib Injury appeared first on HEAVY.
Seahawks vs. 49ers odds: Opening lines for Week 5 matchup
The Seahawks are slight favorites against the undefeated 49ers.
Syracuse Football: How Do Oddsmakers Feel About Matchup with Virginia?
The Orange are back in action this weekend against the Cavaliers following a 42-41 win over UConn.
Lions vs. Cardinals odds: Opening lines for Week 5 matchup
Checking in on the opening betting odds for the Week 5 matchup between the Detroit Lions and the Arizona Cardinals.
Jaguars vs. Eagles odds: Opening lines for Week 5 matchup
Sportsbooks project the Jaguars to beat the Eagles next week!
Yale School of Medicine On the Science of Childhood Anxiety, Say, Anxiety Disorders Are the Most Common Mental Health Challenges In Youth
Credit: Matt Bradbury October 5, 2026 - By Isabella Backman - Anxiety disorders are the most common mental health challenges in youth. Left untreated, they can disrupt the lives of both children and their families. The good news is that with intervention, most children will overcome these conditions. Across Yale School of Medicine, scientists are working to understand anxiety at every level, from common anxious behaviors to molecular biomarkers in the brain. They are using their findings to develop and disseminate new evidence-based treatments for childhood anxiety. Today, the go-to treatment for childhood anxiety disorders is cognitive behavioral therapy (CBT). This is a form of psychotherapy that teaches children skills for confronting anxious thoughts and helps them practice managing situations that cause anxiety. While it is the gold-standard treatment backed by considerable scientific evidence, up to 50% of children will not see sufficient benefit from CBT alone. Wendy Silverman, PhD, Alfred A. Messer Professor in the Child Study Center, co-directs the Anxiety and Mood Disorders Program alongside Eli Lebowitz, PhD, associate professor in the Child Study Center. One of their main interests is learning how to improve outcomes beyond CBT. “We’re developing cutting-edge, research-based knowledge that can reduce the suffering that anxiety causes children and their families,” says Silverman. Changing parent behavior YSM experts are investigating how to improve CBT outcomes for children by involving the parents. Silverman’s research has uncovered two main components of parent intervention that improve childhood anxiety: not enabling children to completely avoid the things that make them anxious and taking steps to enhance their autonomy. Parents may unintentionally reinforce their child’s anxiety by allowing them to avoid what makes them anxious. They also may unintentionally limit the children’s sense of autonomy by being overly intrusive. “One of the things that we take pride in is that we’ve focused on trying to understand what parents need to do, and to test our ideas and see if changing the parents’ behaviors is enhancing the effects of CBT,” Silverman says. “Our findings thus far suggest that they do." As much as CBT can be helpful, it can also be challenging to get one’s child to do the necessary steps for CBT to work. This is one important reason why Lebowitz created a novel intervention program for parents named Supportive Parenting for Anxious Childhood Emotions (SPACE). Existing intervention programs often teach parents to act as therapists for their child, such as training them on how to practice breathing exercises. “It makes sense, but this doesn’t work very well in practice,” says Lebowitz. “And part of the reason, I think, is that it’s not easy to get your kid to do things, especially if they’re not excited about doing it.” SPACE is unique because it focuses entirely on parent involvement and changing parental behavior—children are not involved in the sessions. For example, parents learn how to use supportive messages that convey confidence that their child can tolerate and manage distress. “It might sound like a parent saying to a child, ‘I get that this is really hard for you, but I know that you can handle it,’” Lebowitz says. The program also works with parents to identify the ways in which they are accommodating anxious behaviors. “We’ll pick one thing that parents are doing that is an accommodation and help them make a detailed plan for how they’re going to change that,” Lebowitz explains. Treating Anxiety in Children and Adolescents Much of the existing research on SPACE has focused on parents of children under age 14. Ongoing studies are now exploring its use with parents of older teens. “Both anxiety and accommodation can interfere with normative developmental shifts during the teen years, including increased autonomy and individuation from parents,” says Rebecca Etkin, PhD, associate research scientist in the Child Study Center. “In this sense, SPACE may be particularly well-suited for anxious teens and their parents. We want to see whether it is effective during this distinct developmental window.” Unfortunately, many families in need of CBT face barriers, including limited availability of services and geographic constraints. One way to improve access is digital interventions. Silverman and her team are developing an evidence-based digitized intervention program for parents that they can access directly from their computer or smart phone. “The work we’re doing will be one of the very few parent interventions that is digitized and importantly tested for effectiveness,” she says. Creating interventions for anxiety-related challenges Silverman and Lebowitz recently received a generous gift to develop and test other interventions that help parents reduce other child anxiety-related behavioral and emotional difficulties, such as restrictive eating and unexplained somatic symptoms. One of these projects in particular focuses on understanding the risks of social media and its potential benefits, including offering a sense of connection. “A lot of research has focused on the idea that social media is harmful and the less of it the better,” says Lebowitz. “But we actually see is that this is not quite right—there are negatives, but there are also positives. So, we’re trying to get a little bit more nuanced of a picture.” The team is working with teens with social anxiety and their parents over an extended period to better understand their social media habits and how their anxiety levels affect engagement with different platforms. The teens will answer questions sent to an app on their phones about mood and social media usage in an effort to capture emotional responses as they unfold. “We hope to develop interventions that can help make the best of social media while protecting against the more problematic effects,” Lebowitz says. The brain’s role in anxiety Researchers are also testing therapies to address anxiety at the neurological and molecular levels. In collaboration with Dylan Gee, PhD, professor of psychology in Yale's Faculty of Arts and Sciences, and Hilary Blumberg, MD, John and Hope Furth Professor of Psychiatric Neuroscience at Yale School of Medicine, Lebowitz and Silverman are using brain imaging to identify changes in a child’s brain before and after parents enroll in SPACE. In one study, children viewed anxiety-inducing images while undergoing magnetic resonance imaging (MRI); the researchers conducted scans with and without the children’s parents nearby. Before SPACE, children’s brains were better able to activate the regulatory circuitry needed to turn off an anxious response when their parents were nearby. But after SPACE, children could activate this circuitry even without the parent around. “As parents work on gradually reducing some of their accommodations, you can see a child get better at regulating their own fear system in the brain,” Lebowitz says. “It’s remarkable.” Research into the molecular underpinnings of anxiety can also inform new childhood anxiety treatments. In a recent study, Lebowitz, Silverman, and Flora Vaccarino, MD, Harris Professor in the Child Study Center, discovered that a protein known as fibroblast growth factor 2 (FGF2) could be protective from the toxic effects of stress. FGF2 levels in children and their parents were linked to the children’s risk of developing anxiety and depression, the study showed. The findings could help explain why some children who are exposed to early life trauma such as poverty or abuse are more prone to developing mental health disorders. And FGF2 could be a target for treatment. “This is very novel because it starts to give a clue to what is the molecular chain that connects those lived experiences to the actual psychological outcomes,” Lebowitz says. New ways to study and treat childhood anxiety Michael Crowley, PhD, associate professor in the Child Study Center, collaborates with Silverman and Lebowitz to study the role that attention plays in development and maintenance of childhood anxiety. There is a large body of research that shows that anxious children, like anxious adults, are prone to focus on threatening stimuli such as angry faces compared with neutral faces. This has led to innovative interventions that involve attention retraining. The idea is that if experts train children to look away from threatening stimuli, it may reduce their anxiety—especially children with social anxiety who are most prone to attend to threats. The researchers have just completed a clinical trial for attention retraining with 10- to 14-year-olds with social anxiety disorders and are currently analyzing the findings. Besides this innovative attention retraining research, as Crowly notes, “I like to design tasks that are engaging to kids,” Crowley says. “My goal is to assess something without the kids knowing what we are assessing.” With this goal in mind, Crowley has created a virtual game, named Boom, to study threat processing in children with anxiety disorders. The game is similar to that of hot potato—the child and three digital players take turns virtually passing a ball to each other’s gloves. At some point, the ball turns into a bomb, and as the bomb lands in each player’s glove, the outline of the glove turns yellow. The goal is to avoid having the bomb go off in your glove. What isn’t obvious is that the game is designed to measure different types of threatening stimuli, both ambiguous and direct. In the game, the direct threat occurs as the bomb is traveling towards your glove. The ambiguous threat is the yellow outlined glove as it is unknown where the bomb will travel next. While children play the game, Crowley’s team measures their brain activity using electroencephalography (EEG). The researchers have discovered that in kids with anxiety, the brain reacts more strongly to ambiguous threats than it does in their peers, but less strongly to direct threats. They believe that the initial abnormally large brain response to not knowing where the bomb is going impairs the brain's ability to properly respond when the threat is actually traveling the child’s way. “The brains of children with anxiety are unable to differentiate between threats you need to do something about and those that are not your problem.” Michael Crowley, PhD, develops innovative games for studying anxiety in children and adolescents.Credit: Matt Bradbury Based on these insights, Crowley hopes to study whether interventions like attention training could restore appropriate threat processing. Crowley’s team is also working on a test called the Balloon Risk Avoidance Task, which evaluates risk-taking and avoidance behaviors. It features a digital balloon that is full of air and about to burst. Kids have six seconds to let air out of the balloon. The more air they let out, the less risk they face that the balloon will pop. But at the same time, the balloon becomes less valuable as it deflates. “The more air you keep in the balloon, the more points you get,” Crowley explains. So far, the researchers have found that when the balloons pop unexpectedly, teens with social anxiety show distinct brain responses. Studying these responses can help psychologists understand the underlying pathways driving the various manifestations of anxiety. The genetics of anxiety When Thomas Fernandez, MD, associate professor in the Child Study Center and of psychiatry, was still in training, there was a lot of excitement about understanding the genetics associated with autism spectrum disorder. Since then, scientists have identified around 250 genes associated with autism. The genetic contribution to anxiety disorders, on the other hand, has historically received less attention. Anxiety is less heritable than autism, but the genetic contribution for anxiety disorders that emerge in childhood may be higher than for anxiety disorders overall. While scientists estimate the heritability of anxiety disorders in general to be around 30% to 50%, some studies suggest higher heritability for certain childhood-onset anxiety presentations. “I saw firsthand how researchers in the field went about finding vulnerability genes for autism,” Fernandez says. “So, we’re using a very similar playbook for childhood anxiety.” “I saw firsthand how researchers in the field went about finding vulnerability genes for autism. So, we’re using a very similar playbook for childhood anxiety.” Thomas Fernandez, MD Associate Professor In the Child Study Center and in Psychiatry Now, Fernandez and Emily Olfson, MD, PhD, assistant professor in the Child Study Center, are studying children and their parents to identify genetic changes that are present in the child but not the parents, known as “de novo mutations.” “All of us have some de novo mutations—maybe about 50 to 100 sprinkled throughout the genome,” Olfson says. “But when they occur within the coding regions of genes, they can be really disruptive.” Previous research shows that people with autism have higher rates of damaging de novo mutations than the general population. In 2022, Olfson, Lebowitz, Silverman, and Fernandez published a study on 68 children and their families that found that children with anxiety had similarly high levels of these mutations. Studying de novo mutations can help point the researchers to where they should be looking for genes associated with anxiety. “The end game is using the genes to steer us toward the right part of biology that we can then target to come up with better treatments,” Fernandez says. Building on those findings, the team is now studying more families to better understand how these de novo mutations, along with other genetic and environmental factors, shape pediatric anxiety disorders. They recently received a National Institutes of Health grant to enroll 750 new families over the next five years. Olfson is the principal investigator, with co-investigators Lebowitz, Fernandez, Silverman, and Shuangge Steven Ma, PhD, department chair and professor of biostatistics at Yale School of Public Health. Neurodevelopment, Risk Genes, and Mental Health Conditions - The Olfson Lab Joel Gelernter, MD, Foundations Fund Professor of Psychiatry, is interested in how different anxiety disorders differ genomically. “We are studying social phobia, panic disorder, and generalized anxiety disorder, working to understand why people differ in their risk to these specific anxiety disorders and evaluating various risk factors,” he says. Gelernter was recently involved in one of the largest studies to date of the genomics underlying anxiety disorder. The study included around 122,000 people with anxiety disorders and around 730,000 without. It found that some genetic differences associated with anxiety were linked to signaling that helps reduce overactivity in the nervous system. Many anxiety medications available today work by targeting this process. “It’s nice when the biology that you get out of a large genome-wide study ratifies things that we already know because that can help increase confidence in further findings from the study,” Gelernter says. Uncovering the neurobiology of psychiatric disorders John Krystal, MD, Robert L. McNeil, Jr. Professor of Translational Research and chair of the Department of Psychiatry, is interested in the neurobiology of psychiatric disorders, including post-traumatic stress disorder (PTSD), of which anxiety is a major symptom. In the late 1980s, Krystal’s team discovered that the drug yohimbine activated symptoms in patients with PTSD. “This was the first time we could link a specific biological mechanism to the symptoms of PTSD,” Krystal says. At the time, he adds, this finding was highly controversial. “A lot of people felt that PTSD was a purely psychological syndrome that didn’t have an underlying biology.” Since then, Krystal has dived deep into understanding the neurobiology of PTSD to learn how to better treat it. His team is evaluating the use of ketamine and psychedelics. These would be among the first treatments to be developed specifically for PTSD. They may also be applicable for other disorders including anxiety disorders, Krystal adds. An important gap in PTSD treatment is the absence of biological tests that inform how to best help patients manage their PTSD symptoms. A doctor doesn’t diagnose cancer based on how they feel. Rather, they use tests of the biology of the cancer to determine the best course of treatment. “And we can’t do that in any psychiatric disorder other than Alzheimer’s disease,” Krystal says. “But now we are building a foundation for this approach to the treatment of anxiety disorders for the first time.” Source: Yale School of Medicine
Bengals vs. Dolphins odds: Opening lines for Week 5 matchup
The Bengals are favored by more than a touchdown in Week 5.
In rural Wisconsin, politics is still about meeting voters. Online, it’s getting weird.
Rebecca Cooke is taking her campaign directly to rural Wisconsin communities, all while an AI-fueled online fight with her Republican opponent adds a distinctly 2026 twist to the race.
Colts-Steelers opening odds: Steal one in the Steel City
The Colts could put the league on notice with a win.
Eagles vs. Jaguars odds: Opening lines for Week 5 matchup
Which bet do you like more?
Broncos vs. Chargers Opening Odds: Bolts underdogs in Week 5
The Los Angeles Chargers are turning the page to their next game against the Denver Broncos.
Giants vs. Commanders odds: Opening lines for Week 5 matchup
Does Vegas have faith in the 3-1 NY Giants on the road against the 1-3 Commanders?
Cardinals vs. Lions odds: Opening lines for Week 5 matchup
Arizona Cardinals open as home underdogs ahead of matchup with Lions.
Buccaneers vs. Cowboys odds: Opening lines for Week 5 matchup
The Tampa Bay Buccaneers hit the road on a short week as they travel to Dallas to take on the Cowboys Thursday night. Tampa Bay remains winless on the season while Dallas is coming off a big road victory. So what are the oddsmakers thinking of the Week 5 matchup between the Bucs and Cowboys? […]
Cowboys vs. Buccaneers odds: Opening lines for Week 5 matchup
The Cowboys are BIG favorites for Thursday night.
Opening Odds: Mizzou slightly favored over Texas A&M
Mizzou stays home to try and follow up a Homecoming masterclass.
Penn State Opens as Underdog Against USC
Penn State has opened as an underdog for the first time in the 2026 season. Following back-to-back loses to begin Big Ten play, the Nittany Lions will be a 1.5-point home underdog when they face USC on Saturday. Despite the game being the annual White Out, the oddsmakers are still not confident in Penn State’s […]
Rare 1-in-100M ‘Ghost Lobster’ Will Be Put to Work Helping Scientists Crack Genetic Mystery
A ‘ghost’ lobster so rare that the odds of finding it are 1 in 100 million is going to school—a new home at Maine’s Marine Science Center.
How Americans’ Financial Health Is Faring In The “K-Shaped” Economy
Hey all, Jason here. Money20/20 is still two weeks away, but I’ve already started packing (not procrastinating for once!). My calendar is already filling up with various sessions I want to catch, meetings, and of course happy hours, dinners, and other side events. If you’ll be in Vegas and want to catch up, let me know by replying to this email, and we can try to find a time amidst the chaos of the Venetian. A big if not totally unexpected piece of news dropped on Friday: the Independent Community Bankers of America, a trade group that represents smaller U.S. banks, filed a lawsuit against the OCC and Comptroller Jonathan Gould, arguing that the regulator’s move to grant trust bank charters to firms seeking to use them to conduct substantial non-fiduciary activities exceeds the authorities granted to the OCC by Congress. I haven’t had time to fully digest the legal filing or speak to folks in my network about it, but you can expect to see coverage and analysis on it in next week’s newsletter. Subscribe or Support by Upgrading The NerdCon agenda just dropped. It’s stacked. Partner content: Nubank built an AI-first bank. Chime built its own banking core. Figure and Valon are rebuilding the mortgage stack. At NerdCon, you’ll hear from the people behind those bets: what they chose, what they learned, and what they’re still figuring out. The agenda is live, with leaders from Nubank, Chime, OpenAI, Remitly, Mercury, Figure, Valon and more. Follow the mainstage conversations, bring the problem your team is wrestling with to a hands-on workshop, or pull up a chair at a roundtable. Pick your quests. Meet us in San Diego, November 18–20. Fintech Business Weekly readers save 20% with code FBW20. Explore the Agenda Things To Know & Other Good Reads Federal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements (Federal Reserve Board of Governors) FDIC Announces Conclusion of Independent Monitorship (FDIC) Modernizing Financial Regulation: Initial Observations from eSLR (Fed Vice Chair for Supervision Michelle Bowman) The Data Version of Godzilla versus Kong: FRED Takes on AI (Fed Governor Christopher Waller) Financing the AI buildout (Brookings) Q3’26: Rules for Banks but Not for Crypto (Fintech Takes Banking) The Inevitability of Local Stablecoins (Lombard Notes) Delusions of AI Governance: The Human-in-the-Loop Comfort Blanket (Fintech Snark Tank) Stripe agrees to acquire Parafin to expand revenue opportunities for platforms and help small businesses grow (Stripe) Listen: Fighting Fraud in the Age of AI, with SEON’s Tamas Kadar (Fintech Business Weekly) How Americans’ Financial Health Is Faring In The “K-Shaped” Economy If there is one overarching theme across the economy and politics in the U.S. at the moment, it’s “affordability.” The term is vague enough to encompass a panoply of factors shaping Americans’ day-to-day lives: rising costs for the hallmarks of being “middle class,” including healthcare, housing, childcare, and education, inflation and rising interest rates, and a job market with the specter of AI hovering over it. At the same time, policy shifts under the Trump administration have resulted in reduced subsidies to those who get health insurance under the Affordable Care Act and new restrictions on qualifying for Medicaid and SNAP, the impacts of which have yet to be fully felt. These factors are contributing to declining consumer confidence and general dissatisfaction with the economy, despite continuing GDP growth and stock market records. This divergence is encapsulated in the idea of the “K-shaped” economy, in which a small proportion of Americans have seen their wealth balloon, while the majority of American households struggle to preserve the lifestyle they have. Perhaps the greatest determinant of which branch of the “K” a household is on is whether their wealth and income are primarily derived from employment vs. from assets. Nearly two decades of low interest rates and, more recently, elevated rates of inflation have benefited asset owners, while those whose income is primarily or solely derived from labor have largely seen real purchasing power stagnate or decline. This is reflected in recent Bureau of Labor Statistics data showing that labor share of U.S. GDP — the fraction of economic output that accrues to workers as compensation in exchange for their labor — dropped to just 52.8% in Q2 2026, the lowest since the BLS began keeping records. In 1947, approximately 2/3rds of economic output accrued to workers; even as recently as 2001, labor’s share of GDP was 64.1%. Against this backdrop, we’ve seen the rise of more credit and credit-like products: cash advance apps, “no-fee” overdraft, earned wage access, and buy now pay later, which are often used as small-dollar short-term borrowing mechanisms to meet immediate consumption needs or pay other bills (eg utilities, cell phone, other debt payments). With the markers of a middle class existence and, increasingly, basic financial stability seemingly out of reach for many, it should be no surprise there’s been an increase in “financial nihilism,” something industry peers like Alex Johnson and Frank Rotman have discussed and analyzed the roots of. The explosion of gambling and gambling-adjacent products and services — often marketed under the guise of being an “investment” — is inextricably intertwined with the rise of financial nihilism. Crypto, sports betting, and, more recently, prediction markets offer an escape or even hope of sorts, like a contemporary, digital version of a scratch-off lottery ticket, while leaving the overwhelming number of people who use such products worse off. Share of Households That Are Financially “Vulnerable” Ticks Up The Financial Health Network’s 2026 Financial Health Pulse® report adds context on how American households are faring. (I linked to this report in last week’s newsletter, but wanted to take time to further unpack the data in the report this week.) The Financial Health Network publishes the report annually, providing insight into how Americans’ financial circumstances are changing over time. The 2026 report is derived from a survey fielded in April and May 2026. The report leverages survey responses to assess indicators of financial health across spending, saving, borrowing, and planning/protecting and to determine a zero to 100 “FinHealth” score. Those with scores between 0 and 39 are considered “Financially Vulnerable,” consumers with scores ranging between 40 and 79 are defined as “Financially Coping,” and those with scores of 80 to 100 are “Financially Healthy.” The report found that moderate improvements in 2025 were reversed, with the share of respondents considered financially “vulnerable” rebounding to 17%. The longitudinal data reflect the impact of pandemic-era programs, like expanded unemployment, cash stimulus payments, and pauses of federal student loan payments. The positive impacts of those programs, as reflected in the Financial Health Pulse reports, had largely disappeared by 2023. While pandemic-era inflation — to be fair, in part caused by the various support and stimulus measures — had come down from as high as 9% in 2022, it has rebounded since the start of Trump’s second term, with tariffs and energy market disruptions owing to the war in Iran pushing prices back up. Specific indicators in the survey that deteriorated from 2025 to 2026 include the share of respondents spending less than their income over the past 12 months, the share paying all bills on time over the past 12 months, the share that have a manageable amount or no debt, the share that are “moderately” or “very” confident their insurance is adequate to cover them in an emergency, and the share that “somewhat” or “strongly” agree that their household plans ahead financially. Unsurprisingly, lower- and moderate-income households are more likely to struggle to pay their bills on time and have any funds leftover to save. The share of low-income households whose income exceeded their spending dropped from 35% in 2025 to 31% in 2026, while the share of upper-income households whose income exceeded expenses remained unchanged at 63%. Households with student loans or revolving credit card debt reported having “a bit more” or “far more” debt than was manageable at rates far higher than those not carrying these types of debts. The share of those with student loan debt indicating their debt load was too high to manage increased from 50% in 2025 to 55% in 2026, while the share of those with revolving credit card debt saying the same ticked up from 51% in 2025 to 54% in 2026. Households that had student loans were markedly more likely to be financially “coping” or “vulnerable” vs. those without student loans. In 2026, 27% of households with student loans were considered financially vulnerable, a jump of 6% points vs. 2025. Households without student loans saw just a 1% point increase (not statistically significant) in those considered financially vulnerable. Households’ perception of the affordability of categories of goods and services paints a stark picture, with less than one-fourth considering higher education affordable, about a third deeming childcare affordable, and less than half viewing healthcare as affordable. Fintech Business Weekly is made possible by the generous support of paying subscribers — bringing you independent analysis of banking, fintech, and crypto without fear or favor. You can support my work by becoming a paying subscriber if you aren’t already. Paying subscribers enjoy: access to the entire archive of nearly six years of newsletters extended versions of the weekly newsletter, with additional content and analysis and (for founding member tier) quarterly personal 1:1 fintech Q&A / strategy calls with me, tapping into my unparalleled knowledge of the intersection of banking and fintech and experience working in the sector, including helping to launch Goldman Sachs’ retail bank Marcus Support Fintech Business Weekly You can also support Fintech Business Weekly by sponsoring a newsletter or podcast, putting you in front of 93,000+ of the most influential decision makers in banking, fintech, and crypto. Learn more about sponsor opportunities or request a media kit by dropping me an email. Democratic Senate Report Highlights How Iran Uses Tether to Evade U.S. Sanctions Iran uses stablecoins, specifically Tether, to evade sanctions, fund regional proxies, and to purchase military drones, a report released last week by the Senate Permanent Subcommittee on Investigations says. The report was authored by committee ranking member Senator Richard Blumenthal (D-CT) and the minority staff. Crypto and stablecoin proponents will often push back on criticism that criminals make use of these assets by arguing that, on an absolute dollar basis, far more illicit funds flow through traditional banking systems and payment rails than via crypto and stablecoins. And while that is likely true, it elides the reality presented in news story after news story: whether state actors — Russia, Iran, North Korea — or criminal groups, those looking to engage in illicit transactions increasingly favor stablecoins and, specifically, Tether (USDT). The report from the Senate Permanent Subcommittee on Investigations released last week adds context to how Iran uses Tether has a lynchpin in its shadow banking system. The report analyzed 846 wallets that have been sanctioned or targeted for seizure, finding that 84% of them transacted exclusively or primarily in Tether. The ability to create near limitless, anonymous wallets and to move funds effectively instantaneously and irreversibly have made crypto a favored financial mechanism for bad actors. Stablecoins solved key drawbacks of bitcoin, namely, the original cryptocurrency’s highly volatile value in dollars. And while Tether (the company) has the technical ability to “freeze” or destroy funds, the company is often limited and reactive in its approach to doing so, the Senate report argues. Tether, which is nominally based in crypto-friendly El Salvador, “has stated that its compliance with OFAC sanctions is ‘voluntary’ and that it follows ‘OFAC guidelines,’” the Senate report says. Owing to these favorable attributes, Tether “became a primary cryptocurrency for Iran, Hamas, Hizballah, and the Houthis beginning in 2023 and has expanded in scale since,” according to the report. Tether’s role in Iran’s shadow banking system, the report says, is enhanced by crypto exchanges like Bybit, Kyrrex, OKX, Gate, and Binance, and through “over the counter” exchanges and hawala networks. The consequences of these financial flows aren’t hypothetical. The Senate report links Tether as a funds transfer mechanism to Iranian proxies in the region, including Hizballah, the Houthis, and Hamas. Tether has also been used to make payments to secure components necessary to manufacture drones, the report says. The report concludes by arguing that “[s]tablecoin issuers with a significant nexus to the United States, particularly those that offer dollar-denominated stablecoins, should be subject to American sanctions law rather than being allowed to hide behind foreign jurisdictions.” Stablecoin issuers like Tether must be held accountable for repeated failures to prevent illicit finance and sanctions violations by law enforcement, the Department of Justice, the Securities and Exchange Commission, and OFAC, the report argues. [Paying Subscriber Exclusive] OUSD Goes Live, Make Your Own Neobank, U.S. Sanctions Russia’s A7 Network As “Transnational Criminal Organization” OpenUSD, the stablecoin issued by the Open Standard consortium that includes Stripe, Visa, Mastercard, core providers, crypto firms, and numerous banks, went live last week. Social commerce platform Whop raised eyebrows in fintech by offering creators on its platform the ability to launch their own neobanks, which the company describes as “great businesses that are easy to run,” in just 15 minutes. And OFAC and FinCEN target Russia’s “shadow banking” A7 Network — more on these stories after the paywall.
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F.D.A. Found Cyclospora During Taylor Farms Inspection in Mexico
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Dutch Girl Donuts set to open New Center location
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Fed rate hike odds plunge, stocks soar after dismal jobs report
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iOS 27 adds four new ways to customize your iPhone’s Lock Screen
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Steve Hilton faces steep odds in bid for California governor after 20-year GOP drought
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Detroit Harvest Fest adds movies, more food trucks in year 6
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Benefits platform Afore adds life insurance path through Ascent alliance
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WTA Unveils 2027 Calendar With Pay Milestone
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007 First Light's First DLC Out Now, Adds New Game Plus
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Audible Adds AI Character Conversations to Audiobooks Starting This Fall
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Certilman Balin adds attorneys, healthcare practice
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Tenet Adds First U.S. Exclusive Commercial Lender to Business Hub and Welcomes New West Coast Business Development Manager
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Minaris Adds Dedicated Viral Vector Business Unit
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Louisiana adds more public money to host rodeos, college sports events
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NASA directive might increase the odds of contaminating Mars
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WhatsApp adds new parental controls for teen accounts
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American Cancer Society adds Guardant Health's Shield blood test to colorectal cancer screening guideline
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Borderless Gaming adds DLSS 5 Neural Rendering without modifying game files
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