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New attention on Bankhead claim she was offered job to leave Senate race, DNC denies allegation
Montana’s U.S. Senate race was at the center of political controversy again this week, over an allegation from the Democratic nominee that she had been offered a job if she would drop out of the race.
Arkansas farm bankruptcies on the rise, most in the nation
Recent reports point to a rise in Arkansas farmers struggling with finances following steep gains in fuel and fertilizer prices. The state led the nation in farm-related Chapter 12 bankruptcy...
Health Data Utilities as Essential Public Infrastructure: A Cooperative Federalism Architecture
Federal interoperability initiatives like Trusted Exchange Framework and Common Agreement transport clinical records across boundaries but fail to aggregate and enrich state-governed datasets, including Medicaid claims, prescription monitoring records, and social service registries.
Triad Business Bank renews criticism of M&F Bank deal
Greensboro’s Triad Business Bank launched more criticism of the plan by Durham-based M&F Bancorp, to merge into a larger African-American-owned peer, Optus Financial of Columbia, South Carolina. M&F has rebuffed offers since August from Triad, which hopes to derail M&F’s combination with Optus in a transaction valued at about $105 million. M&F plans a Nov. […]
Tepper Sports & Entertainment Selects Marsh and Partners Risk Strategies as Insurance Brokers for Bank of America Stadium’s Multi-Year Transformation
The official website of the Carolina Panthers with access to tickets, schedules, news, videos, photos, statistics and more.
Tepper Sports & Entertainment Selects Marsh and Partners Risk Strategies as Insurance Brokers for Bank of America Stadium’s Multi-Year Transformation
The official website of the Carolina Panthers with access to tickets, schedules, news, videos, photos, statistics and more.
Alaska Science Forum: Moving beyond Alaska Grown
Although I am a lover of Fairbanks, I am not particularly in love with mid-October Fairbanks. Fall’s yellow, shimmering leaves are now browning and dissolving underfoot, and my garden is crisped with old tomato vines and a few intrepid kale leaves, still reaching for the weakening sun.
Patrick’s Politics: The West Bank and Israel’s (not so) consequential election
On Oct. 16, a little more than 10 days before Israel’s upcoming elections, a Washington Post press photographer was run down and beaten by Israeli settlers in the West Bank. The act soon earned hea…
Tyra Banks To Produce Feature About The Invention Of The Sports Bra
Tyra Banks will bring the stories of Lisa Lindahl, Polly Smith, and Hinda Miller, the inventors of the sports bra, to the big screen.
Federal report shows wage growth well below rate of inflation
New federal data shows that median weekly earnings among full-time workers in the third quarter of 2026 rose 1.5% compared with the same period in 2025. The gain was below...
Genenta Science receives Nasdaq minimum bid price deficiency notice
Content provided by Seeking Alpha is intended for information purposes only, and that Seeking Alpha does not offer any personalist investment advice and is not a licensed securities dealer, broker, US investment adviser or investment bank.
Brad Lander detained by IDF in the West Bank during olive harvest
The congressional candidate previously said he was traveling to the West Bank in solidarity with Palestinian farmers.
Packers Coach Addresses Potential Offensive Line Change Involving Kevin Zeitler
Offensive coordinator Adam Stenavich said Tuesday that the Green Bay Packers will not change their offensive line “just to change,” with guard Kevin Zeitler closer to game shape and left guard Aaron Banks coming off what Stenavich called a good week of practice. Zeitler dressed for Sunday’s 23-13 win over the Dallas Cowboys so the [...]
Developer behind collapsed recreation complex plan in Johnston files bankruptcy
Ignit Johnston LLC, the group behind the failed proposal to build a youth sports and recreation complex in Johnston, has filed for Chapter 11 bankruptcy, just weeks after a judge ordered the developer to pay more than $4.2 million in damages to Lincoln Savings Bank in a foreclosure case filed by the bank. Lincoln Savings…
Bank of America (BAC): Is Its Wealth Business More Valuable Than the Headline Bank Suggests?
Bank of America Corporation (NYSE:BAC) has a wealth franchise that deserves attention beyond lending spreads. Second-quarter 2026 Global Wealth and Investment Management net income reached $1.41 billion, roughly 16% of group earnings. That contribution matters when comparing bank stocks favored by billionaires: advisory fees diversify revenue, although rising markets still influence their value. Bank of […]
Mastercard Selects Extend as Financial Operations Platform
Deal said to bring ‘modern spend and expense management’ to issuing banks
National Business Capital Expands to West Coast, Appoints Veteran Investment Banker Eric D. Coonrod to Lead Institutional Partnerships
New California office marks a major milestone in National Business Capital’s continued expansion and investment in
New York congressional candidate Brad Lander says he was detained by IDF in the West Bank
Lander, the former New York City comptroller, wrote in a post on X that he was detained by the Israeli Defense Forces while harvesting olives with other volunteers.
This week in Santa Cruz County business: Cruz Foam ceases operations; West Coast Community Bank celebrates Nasdaq listing
Santa Cruz-based Cruz Foam, which developed a biodegradable packaging made from shrimp shells and other natural materials, has closed and sold off its intellectual property, Jessica M. Pasko reports in her weekly look at local business. Meanwhile, Santa Cruz-based West Coast Community Bancorp has moved its stock listing to the Nasdaq Stock Market, a milestone executives say is more than two decades in the making.
Bank OZK posts quarterly declines in income and revenue
Little Rock-based Bank OZK on Tuesday (Oct. 20) announced declines in quarterly net income and revenue, and in its management comments noted that some of the bank’s commercial real estate...
Regional Banks Put AI Into Core Operations as Business Lending Grows
Third-quarter results from PNC, U.S. Bancorp, Truist, Fifth Third, Regions and KeyCorp show that regional banks are putting artificial intelligence into
Sen. Banks among politicians receiving ‘potentially hazardous’ letters under investigation by FBI
Indiana Senator Jim Banks (R) reportedly received suspicious mail as federal authorities investigate a string of such instances involving politicians nationwide.
UConn Researcher’s Insight on Small-Business Bankruptcy Recovery Draws the Attention of Congress
'Small businesses are an important part of the economy, but financial distress does not necessarily mean that the underlying business isn’t worthwhile& ...
Revolut and other banking apps go down as Google Cloud suffers outage
Google Cloud is experiencing service disruptions in London, along with multiple banking apps including Revolut.
Franciscan Health Dyer adds OrderAhead food locker in partnership with Food Bank of NWI
Technology enhances partnership aimed at fighting Region food insecurity DYER, Ind. – Franciscan Health Dyer now has an OrderAhead food locker thanks to a partnership with the Food Bank of Northwest Indiana and generous donations to the Franciscan Health Foundation. The OrderAhead food locker program was designed by the Food Bank of Northwest Indiana for neighbors with chronic concerns about adequate food access. The lockers allow food-insecure individuals to place an order online for pickup at a scheduled time. “We are thankful to be able to further enhance our impactful partnership with the Food Bank with the addition of the
In their own words: Israeli politicians' extreme speech surges ahead of elections
LUBBAN AL-SHARQIYA, West Bank (AP) — Extreme speech has surged under Israeli Prime Minister Benjamin Netanyahu 's far-right government and can be heard at the highest levels ahead of Israel's Oct. 27 elections.
Vandals hit NYC subway OMNY readers in apparent political protest
NEW YORK — Cops are looking for a group of vandals who took a drill to a bank of One Metro New York, or OMNY, readers at a Brooklyn subway
Vandals hit NYC subway OMNY readers in apparent political protest
NEW YORK — Cops are looking for a group of vandals who took a drill to a bank of One Metro New York, or OMNY, readers at a Brooklyn subway station, apparently as a political protest. The subway sabota...
Best iPhone 18 Pro accessories: Solid-state power banks, MagSafe, chargers, more
The iPhone 18 Pro has arrived and the Duo will very soon as well, so let’s scope out some notable...
Ponce Bank Small Business Sweepstakes: Meet the First Winner, Forno de Oro
Monica Makes It Happen introduces the first winner of the Ponce Bank Small Business Sweepstakes: Forno de Oro, an Italian restaurant in Chelsea serving up more than delicious pizza — it’s a story of h...
5 Ugreen Travel Gadgets Worth Adding To Your Long-Haul Flight Kit
Ugreen has more for your flight kit than chargers and power banks, including affordable ways to cut cabin noise and keep tabs on your bags.
Huntington Bank Introduces The 1866 Studio, an AI-Powered Small Business Operating System Built with Google Cloud
New connected experience designed to help small business owners build and scale their businesses with access to financial, operational and business management AI tools and expertise COLUMBUS,...
Financial struggles at Camden medical center reflect closure risks for Arkansas’ rural hospitals
It has been a difficult year for Ouachita County Medical Center. In January, the Camden hospital became the latest in the state to close its labor and delivery unit. In March, it filed for Chapter 11 bankruptcy. In August, the hospital furloughed dozens of employees as it struggled under the budget constraints of bankruptcy.
A banker’s fight for political survival
Rep. French Hill is defending his time as a banker in his close reelection race against Democrat Chris Jones.
25 honored as Business Alabama's Rising Stars of Banking
Twenty-five Alabama banking professionals were honored as Business Alabama’s Rising Stars of Banking 2026 at a luncheon in Birmingham.
Moving beyond Alaska Grown
Although I am a lover of Fairbanks, I am not particularly in love with mid-October Fairbanks. Fall’s yellow, shimmering leaves are now browning and dissolving underfoot, and my garden is
Money20/20: Where Banks, Big Tech and Regulators Do Business
Jessica Blue, Executive Vice President of Money20/20 USA, explains why convergence, partnerships and trust will define the next era of financial services
Banking on bricks: entrepreneur builds a business case for recycling plastic waste
Spirit of Hong Kong Awards finalist Shervin Sharghy left banking to build a business turning plastic waste into concrete paving and wall blocks.
Detroit summit boosts Israeli business in face of pro-Palestinian wave
Michigan Israel Business Accelerator drew fire ahead of the Innovation Exchange Summit at Huntington Bank HQ, with Rep. Rashida Tlaib demanding state end funding for group
As Israel blocks PA funding, the West Bank’s healthcare system is failing
Hospitals across the occupied West Bank have been hit by a funding shortage.
Clients, employees left hanging as NH wedding photography business files for bankruptcy
Kasey Fedorchuk and her fiancé Joshua Logan are set to tie the knot on Halloween, but just weeks before the couple will say, "I do," an unexpected email hit their inbox.
Mayor Johnson’s campaign cash dips below $380,000, while frontrunner Giannoulias has $19 million on hand
The freshman incumbent has just $379,471 in the bank — yet another indication of his struggle to raise money for the uphill reelection bid he announced last month.
Greensboro bank makes rival bid for Durham's historic M&F
A rival offer could preserve the historic Black-owned bank's identity ahead of an Oct. 20 vote.
Can AI solve our mental health access problem?
Last week I asked you what worries you most about AI in health. It was close, but your top answer was “AI giving bad health advice.” Last week’s poll results: You’re in good company. This concern was top of mind at a conference I joined at Stanford last week, where researchers, clinicians, and people who build AI systems spent a day debating trust and safety in health AI. Stepping back, I’m also hearing your emerging concerns about AI’s impact on our well-being generally. I see this as a matter of public health, and we’ll take it in pieces as we learn together. Today we’ll focus on AI chatbots used for therapy for mental health. Early this month, Governor Newsom vetoed Senate Bill 903, California’s most ambitious attempt to regulate AI use for mental health. It’s at the center of active debate, and raises the questions patients, family members, citizens, and voters will face as AI moves deeper into health care. Let’s work through it. What is “AI-based therapy”? It’s really two things: purpose-built mental health apps designed to deliver structured support, and general chatbots like ChatGPT, Claude, and Gemini that people increasingly use for emotional support—even if they weren’t built for it. Spoiler alert: I don’t know whether the shift toward AI therapy is good or bad. The evidence isn’t there yet. But I do know it’s already happening, and I have some ideas about how we can roll it out with safety in mind. The therapy dilemma, in a nutshell Mental health challenges are common, and strain health and well-being across populations. Therapy (interactive dialogue with a trained, empathetic practitioner) helps many people heal. The demand for licensed therapists far exceeds the supply in California, and AI-based therapy can narrow that gap. AI-based therapy remains novel, unproven, and not well tested. Right off the bat, we can see we’re dealing with trade-offs here. Since the main driver of demand for therapy from a robot is lack of access to therapy from a human, we’ll start there. It’s too hard to find and afford a human therapist California is short roughly 55,000 licensed, non-prescribing therapists and counselors, about 40% of what we need. Psychiatrists, who rely on talk therapy as a complement to prescribed medications, are even more scarce. Eight counties have none, and density ranges from 1.7 per 100,000 residents in San Benito County, to 68.1 in Marin County. My wife is a psychiatrist in Marin, and even here access is tight. If it’s hard in the best-supplied county, imagine rural Sierra County, or the San Joaquin Valley. In 2024, more than half of Californians who tried to make a mental health appointment struggled to find a provider who took their insurance, compared with 14% for physical health care. When Senate staff posed as “secret shopper” patients and called 120 mental health providers in Medicare Advantage networks, they landed an appointment less than once for every five tries. Insurers pay behavioral health clinicians about 22% less than medical and surgical clinicians for comparable office visits. On top of that, billing denials and prior authorizations hit hardest at the solo and small practices common in mental health. Psychiatrists opt out of Medicare at the highest rate of any specialty. In many places, a cash practice for therapy fills quickly with patients paying $250 or more an hour, with no insurance paperwork at all. Families who can pay cash find providers more easily. Those who rely on insurance, including Medi-Cal enrollees, older adults, rural residents, and non-English speakers, compete for what’s left. So we can’t pretend the human system works, and we can’t blame people for turning to AI for support when they’re in distress. AI is filling the gap It’s estimated that roughly a quarter of AI users use it for mental health support. If you have internet, it’s available 24/7, it’s cheap, and it speaks your language. Uninsured adults are about twice as likely as insured adults to do it (30% vs. 14%). It feels anonymous in ways that may enable people to ask things they’re unsure or embarrassed about. The largely hidden, personal use makes it hard to study whether it’s actually helping people with their mental health issues, but researchers are trying. Does AI therapy work? A 2026 analysis of nearly 40 randomized trials found chatbots showed a real but small reduction in depression symptoms. But most of these trials were compared to an alternative of no therapy, not a human therapist. So the benefit of AI therapy is probably real, but modest, and mostly untested against the alternative of human contact. We need more studies. Serious concerns OpenAI’s own estimate is that more than a million ChatGPT users each week show signs of suicidal planning or intent. These are high stakes encounters, and AI doesn’t always get it right. That’s partly because a chatbot can sound like a therapist, but it has no license, no duty of care, and it’s not clear who to hold accountable when it gets things wrong. AI is also designed to help users in whatever task they’re seeking to accomplish. People may feel like they’re getting therapy, but they’re mainly getting a convincing conversation. It’s easy for an AI companion to wander into gray areas, like playing along with “creative writing” that may be about the user’s own suicidal intent. Courts are driving safety conversations A wave of lawsuits have been filed on behalf of families claiming that chatbots pushed people they loved toward self-harm, including teens who died by suicide. The first settlements came this year. OpenAI is headquartered in San Francisco, and dozens of cases alleging that ChatGPT drove users to suicide or self-harm are now before a San Francisco judge. Character.ai has filed for bankruptcy after several states brought lawsuits accusing the chatbot of pushing dangerous content to kids. But the technology seems to be improving. Last month, an independent evaluation found that newer AI models “almost never endorse suicide.” That’s progress, but our societal appetite for even one preventable death is very low. So how do we move forward? Finding a middle ground Earlier this month the governor vetoed Senate Bill 903, a bill designed to place guardrails on the use of AI for therapy. The bill would have prohibited any AI-based platform from being advertised as psychotherapy, and would have required a licensed professional to review and approve each encounter where AI was used to support therapeutic decisions. Newsom called it overly broad, since even routine screening questions would have needed clinician sign-off. Knowing we’re already short on mental health providers, requiring human review of AI encounters may not relieve our access problems. Still, the answer isn’t no oversight. Here’s one feasible short term solution. Rather than reviewing each encounter, a licensed clinician can design the guardrails: what counts as a crisis, what triggers an immediate handoff to a human, and what gets sampled for audit each month. The AI runs inside that structure. Conversations get checked, failures get reported, and a real clinician owns the framework. Medicine already has models to learn from. The FDA process for rolling out newly approved medications is an example. After a product reaches patients, we keep watching for adverse events. Patient-facing AI needs the same “digital pharmacovigilance”: systematic tracking of harms, near misses, and the types of groups that get hurt and why. It’s also critical that users know that they can reach a human if they’re in crisis. Most chatbots now include messages like these: Bottom line The rush to use unproven AI tools for mental health support is mostly a workaround, a sign of a health system people can’t get into. We need better access to proven care from licensed clinicians. That takes reimbursement that makes accepting insurance viable, and a bigger workforce. But, built and tested well, AI could be part of the answer. It could be the 2 a.m. check-in when no one else is awake, or a way for patients to practice skills their therapist taught them. It could be the first step to get someone the right level of care, and take paperwork off clinicians’ plates so they spend more time with patients. None of this is simple. The SB 903 veto doesn’t end the debate, and the legislature will be back. In the meantime, those of us using these tools need to stay informed, ask hard questions, and hold the companies building them accountable. I’ll try to do my part, and we’ll keep learning together. Love,Matt P.S. If you or someone you know is struggling with mental health challenges, emotional distress, substance use problems, or just needs to talk, call or text 988- you’ll reach a real person— or chat at 988lifeline.org 24/7. Dr. Matt Willis is the author of Your Local Epidemiologist in California. A California native, he’s served as a primary care physician, CDC epidemiologist, and public health officer for Marin County, where he guided the pandemic response. He lives in Marin with his family and their dogs, Teddy and Ramona. Thank you Cynthia He, MD, PhD, and Parnika Saxena, MD, for their guidance in preparing this article. Cynthia works in an outpatient mental health clinic, treating patients who have Medi-Cal or, sometimes, no insurance. Parnika works in an inpatient psychiatric unit, treating patients with public or private insurance or self-pay ability. All opinions are their own and do not represent their employers.
Adjusted quarterly net income, revenue rise at Simmons First
Simmons First National Corp. on Thursday (Oct. 16) reported adjusted third-quarter net income of $79 million, up 21.7% compared with $64.9 million in adjusted net income in the same quarter...
Truist CEO shakes up bank's consumer, small business leadership
New Truist Financial CEO Mike Lyons revamped the Charlotte-based bank’s consumer and small business leadership and jettisoned one of the key digital initiatives of his predecessor CEO.
Truist's new CEO is reshaping the bank's consumer and small-business leadership
Former Bank of America and PNC executives will report to CEO Mike Lyons as Truist consumer banking chief Dontá Wilson departs
Business Beat Century Bank and Trust Completes phase one of renovation
COLDWATER, MI (WTVB) - Century Bank and Trust has completed Phase One of its Coldwater Main Office renovation ...
Attacks on health care in the West Bank (Since 1 January - 30 September 2026)
Infographic in English on occupied Palestinian territory about Health and Safety and Security; published on 16 Oct 2026 by WHO
BankFive president named Women Who Mean Business honoree
The Boston Business Journal selected BankFive President Anne Tangen as one of 10 honorees in its Women Who Mean Business program.
John Healey set to raise bank taxes in the budget
Rolling coverage of the latest economic and financial news
Democrats target Epstein ties to banks for action after midterms
WASHINGTON — Key Democrats on Thursday unveiled legislation that would force federal regulators to disclose financial records related to Jeffrey Epstein and his associates. The measure also would require regulators
Focused Behavior Solutions Files for Bankruptcy Citing Reimbursement Delays as Key Cause
Focused Behavior Solutions, an applied behavior analysis (ABA) therapy provider based in Walla Walla, Washington, has filed for Chapter 11 bankruptcy,
UK’s Neobanks Eye Expansion As Small Business Lending Grows
Some of the U.K.’s digital lenders to small businesses have reportedly reached profitability more quickly than consumer-focused FinTechs. That’s according
Allegheny Health Network Teams Up with Mid-Atlantic Mother's Milk Bank to Open First Milk Depot in Allegheny County
/PRNewswire/ -- Allegheny Health Network is teaming with the Mid-Atlantic Mother's Milk Bank to open a milk depot at AHN Jefferson Hospital, providing a...
Treating Hunger as Health Care: Franciscan Health and Food Bank of NWI Debut Illinois/Indiana State Line Food Locker
Treating Hunger as Health Care: Franciscan Health and Food Bank of NWI Debut Illinois/Indiana State Line Food Locker
German savings banks chief says growth could curb political polarisation
By Maria Martinez BANGKOK, Oct 15 (Reuters) - Germany's nascent economic recovery could curb the polarization seen in recent state elections, the president of the country's savings banks association
Maximum Entertainment Announces Attachment of Funds in the Company's Bank Account
Stockholm, Sweden, October 15, 2026 - Maximum Entertainment AB (Nasdaq: MAXENT B) (“Maximum Entertainment” or the “Company”) was informed today that the Swedish Enforcement Authority (Kronofogden) had issued an attachment order on October 14, 2026, concerning funds in the Company’s bank account wit…
Colorado Springs Named Bluevine's Best City in US for Small Business in New Study
/PRNewswire/ -- A new monthlong study of government-data and internal financial data from more than 200,000 active banking accounts across its 100 most-active...
The Politics of Heat, Homes, and Lobster Boats.
The Bar Harbor Story is generously sponsored by First National Bank. MOUNT DESERT ISLAND REGION—The candidates’ forum focusing on House District 15 and incumbent Holly Eaton and Clifford Noyes last week spent a lot of time on the candidates’ thought of heating, communication with constituents, property taxes, education costs, and other issues. It also was a time for the community to ask their own questions and see two candidates up close and personal at the Southwest Harbor Fire Department firehouse. Jim Vallette organized the hour-long event, which was moderated by Carrie Jones of the Bar Harbor Story. Ken Rozsahegyi provided technical support for the congenial event. House District 15 serves Brooklin, Deer Isle, Eagle Island Township, Frenchboro, Isle au Haut, Marshall Island, Southwest Harbor, Stonington, Swan's Island, Tremont, and Vinalhaven. Jones advised as she began the question and answer part of the event, ”Treat everyone here like they are going to be the ones who might give you a ride in a rainstorm, pull your pet out of a burning building, or be the one grading your kids’ papers at school, okay?” She continued. “That’s it. Tonight isn’t meant to be a gotcha debate. The goal is to give people in the district a chance to get to know both candidates, hear what they care about, and understand what they’d actually try to accomplish in Augusta.” The questions and discussion throughout were kind. Eaton currently serves in the position. She’s a Democrat from Deer Isle, raised in a fishing family and has worked in nonprofits and volunteered for her school board. Noyes is unenrolled (politically) and from Southwest Harbor and currently a school board member, self employed as a mason. He focused on fiscal issues throughout the forum. Eventually, at Jones’ prompting, the candidates played “Rock, Paper, Scissors” for who would go first for their closing statements. Noyes used the opportunity to urge others to head to the ballot. “Whether you vote for me or Holly, it’s important that people vote,” Noyes said. He hoped the voter turnout in the district would be over 35 percent because that would mean people were truly engaged. Eaton stressed that she’s a Democrat, but in Augusta, her role isn’t about party. “I am a Democrat, but when I go to Augusta, I am there to represent the people of District 15. I want people to feel as though I’m accessible, that I’m responsive, and that I show up for the district,” Eaton said. Being there for others was vital, she explained. “When something comes before me in Augusta, I try to look at it through the lens of the people and the communities that I represent. How will this affect the people who live here? Does it make it easier or harder to raise a family here, to operate a small business, to work on the water, to afford a home, to keep our schools open, or provide the essential services our communities depend on?” Eaton said. Noyes spoke about fiscal responsibility and about the state being more responsive to communities and the ideas that come from them. “I feel that we desperately need to restore some fiscal sanity, a little bit. So when the legislature meets again,” Noyes said, “it could be critical for Maine residents that we don’t keep digging this hole that we’re in financially and keep raising our taxes so the struggling families struggle even more.” The two answered a series of questions from Jones, then answered questions from the audience and participants via Zoom. Jones asked what they heard the most from people about what was making their lives hard and what can the legislature in Augusta do it about those issues. Both spoke to concerns about heating oil costs. Noyes spoke to the three H’s: health, home, and heat. Eaton and Noyes spoke to the burdens of families with lower incomes, with Eaton mentioning LIHEAP (Low-Income Home Energy Assistance Program). They both were in favor of free community college and trade programs. They both supported the working waterfront. Both said that data centers—such as the one proposed in Eastport, which is out of the district—should be a local decision, but neither were in favor of it. The working waterfront was supported by both. Eaton’s served on the Maine Marine Resource Committee in the legislature. She advocated a diversity of fishing resources and less of a reliance on lobstering. Shrimp, she hoped, would make a comeback. Noyes worried about out-of-state pressure on the lobstering industry, also spoke of shrimp harvesting timings, and said he supported the lobstering industry. QUICK NOTE Carrie Jones is, obviously, the co-founder of the Bar Harbor Story, which made us have a bit of a hard time putting out this story and thinking it through and how to present it. We ended up with this article. The debate in its entirety is below, many thanks to Ken and Jim for making it publicly available. UPCOMING AND PAST EVENTS The following events are or were organized by the League of Women Voters Downeast. DISTRICT 7 DISTRICT ATTORNEY DISTRICT 13 Thursday, Oct 15, 2026 5:30 PM to 6:30 PM Candidate Forum: House District 13 125 State St , Ellsworth Featuring candidates Michael Cunningham (D) and Russell White (R), moderated by Cyndi Wood, managing editor of the Ellsworth American. DEMOCRACY FORUM Friday, Oct 16, 2026 4:00 PM to 5:00 PM Democracy Forum — Election 2026: What’s on Your Ballot RECENT PRESS RELEASES AND BRIEFS To see all the press releases, click here. To see our news, click here. For the full archive, click here. All of these are on our dedicated website. [ ](https://barharborstory.substack.com/p/feeling-stressed-kids-corner-invites) [ Feeling Stressed? Kids’ Corner Invites Parents, Educators, and Caregivers to Rediscover the Joy with National Speaker Raelene Ostberg Oct 14 ](https://barharborstory.substack.com/p/feeling-stressed-kids-corner-invites) [ Read full story ](https://barharborstory.substack.com/p/feeling-stressed-kids-corner-invites) [ ](https://barharborstory.substack.com/p/mainely-meats-pink-party-for-breast) [ Mainely Meat’s Pink Party for Breast Cancer Awareness is October 18! Oct 14 ](https://barharborstory.substack.com/p/mainely-meats-pink-party-for-breast) [ Read full story ](https://barharborstory.substack.com/p/mainely-meats-pink-party-for-breast) [ ](https://barharborstory.substack.com/p/conners-emerson-school-announces) [ Conners Emerson School Announces Public Surplus Property Sale Oct 14 ](https://barharborstory.substack.com/p/conners-emerson-school-announces) [ Read full story ](https://barharborstory.substack.com/p/conners-emerson-school-announces) [ ](https://barharborstory.substack.com/p/planting-the-writers-garden) [ Planting the Writer’s Garden 12:15 AM ](https://barharborstory.substack.com/p/planting-the-writers-garden) [ Read full story ](https://barharborstory.substack.com/p/planting-the-writers-garden) [ ](https://barharborstory.substack.com/p/artist-maria-de-los-angeles-explores) [ Artist Maria de los Angeles explores migration and belonging in COA public lecture 12:19 AM ](https://barharborstory.substack.com/p/artist-maria-de-los-angeles-explores) [ Read full story ](https://barharborstory.substack.com/p/artist-maria-de-los-angeles-explores) HELP SUPPORT THE BAR HARBOR STORY When we started The Bar Harbor Story, we didn’t know if anyone would read it. But you showed up. You shared. You sent tips. Now—over 400,000 views every month later—it’s clear: people here care about their community and each other. We’ve kept everything free because news should never be out of reach, but every one of our stories takes time to write, and your support keeps The Bar Harbor Story going. If you value our work, please consider a paid subscription, a founding membership, or a sponsorship. It truly helps us cover one more meeting, tell one more story, shine one more light. Even $5 a month makes a difference. Click here to become a one-time supporter now. Thank you so much for being here. Founding member information can be found here. Have questions about sponsorships? Just send Shaun an email at sfarrar86@gmail.com, he’d love to hear from you. Subscribe Share Bar Harbor Story Share Leave a comment
TreasurUp and Apideck Partner to Accelerate ERP-Embedded Banking for Business Banks
Apideck connects the joint bank and TreasurUp capabilities to the full portfolio of accounting and ERP systems.
Business Briefs: Oct. 16, 2026
Shatz, Schwartz and Fentin P.C. named Legacy Law Firm SPRINGFIELD — Shatz, Schwartz and Fentin P.C. has been named a 2026 “Legacy” Law Firm by Mass Lawyers Weekly, recognizing firms that have been in practice for 25 years or more and have demonstrated a sustained commitment to serving their communities. Founded in 1969, Shatz, Schwartz […]
Social Security announces 2027 cost of living boost for recipients
The Social Security Administration projects a 3.6% cost-of-living adjustment for older adults and people with disabilities starting in 2027. Some recipients say it won't offset rising prices. This adjustment means $75 extra per month for the nearly 72 million Social Security beneficiaries and about 7.3 million Supplemental Security Income recipients. Inflation continues to pressure household budgets and savings, and some older Americans feel the increase isn't enough. The Social Security Administration faces a looming bankruptcy date if a funding shortfall isn't addressed by Congress. Lawmakers have proposed measures to replenish the trust funds, including lifting the payroll tax cap to generate substantial revenue.
Pelicans banking on better health and a new coaching staff to improve their unchanged core
The Pelicans are essentially running it back with the same core roster that they've had the past two non-playoff seasons, with Zion Williamson as their centerpiece.
Vanderbilt football injury report vs Arkansas, Blaze Berlowitz, others out
See the Vanderbilt football injury report for its matchup with Arkansas at FirstBank Stadium.
Quarterly income up almost 5% for Centennial Bank parent company
Conway-based Home BancShares on Wednesday (Oct. 14) reported third-quarter net income of $129.451 million, up 4.7% compared with the same period in 2025. The per share earnings of 65 cents...
Hui Kapili Accelerator Welcomes 11 Local Businesses to Third Cohort
aio and American Savings Bank support local construction companies with business training, industry expertise and opportunities for growth.
Top U.S. banks dropped customers over political and religious views, regulator says
Former Baltimore-area small business leader indicted on bank fraud charges
A celebrated Columbia entrepreneur was charged with bank fraud offenses stemming from small business loan applications tied to her now-defunct companies.
White House economic chief reveals why Americans aren't feeling optimistic about economy
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US regulator accuses nation's largest banks of debanking customers over political views
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Federal watchdog says 9 large US banks denied service to customers over political or religious views
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Treasury says largest U.S. banks let politics influence who received banking services
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U.S. regulator faulted nine big banks for debanking customers over politics and religion
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Major banks accused of political targeting
'Big Money in the Morning' analyze major banks accused of debanking conservatives. Representative Ryan Zinke joins to discuss President Donald Trump's Montana campaign rally and rising state gas prices.
SPECIAL REPORT: Tough Business
A string of vacant restaurant buildings shows that many restaurants in the region are struggling — and several are closing By Stefan Yablonski [caption id=attachment_11132 align=alignright width=401] Smokey Bones Bar & Fire Grill on Route 31 in Clay closed its doors in April. It had been in operation since at least 2008.[/caption] By their nature, most restaurants have a limited life. An astonishing 60% go out of business within three years of opening, largely due to fundamental flaws in the planning of the operation. But even restaurants that experience years of success almost always face eventual closure. The restaurant business is very hard and because of both personal factors and external factors beyond anyone’s control, restaurants don’t last forever. For many restaurants, age is a big factor, according to Kenneth Walsleben, professor of practice, entrepreneurship and emerging enterprises at Syracuse University. “The owners have been at it for 20 or 25 years, if not longer, they want some time to themselves,” he said. Such was the case for Jocko’s Famous Ritz Diner in Oswego. Jocko Reitz bought the building in the late 1970s from Robert Shapiro. However, when he stepped away from the business, it eventually closed. [caption id=attachment_11142 align=alignright width=402] For nearly 80 years, Vona’s Restaurant passed through three generations of family in Oswego. It closed its doors on Dec. 31, 2025.[/caption] For nearly 80 years, Vona’s passed through three generations of family in Oswego. Vona’s Restaurant officially closed its doors on Dec. 31, 2025, when no family member wanted to take over. It is on the market. The Ruby Tuesday in Oswego operated for about two decades before permanently closing in April 2026. The restaurant faced multiple temporary health department closures in 2024 and 2025 due to persistent fruit fly and foundation pest issues. Management posted a final closure notice on the doors in mid-April 2026 and the building was put up for sale. The same pattern has been happening in Onondaga County. The big building once used by Smokey Bones Bar & Fire Grill on Route 31 in Clay remains empty, more than six months after the restaurant closed its doors in April. It had been in operation since at least 2008. [caption id=attachment_11130 align=alignright width=401] Ruby Tuesday in Oswego operated for about two decades before permanently closing in April 2026.[/caption] Just down the road from Smokey Bones, the popular Outback Steakhouse closed in August 2024. Another restaurant took its place, La Cocina Mexican Restaurant, but it closed shortly after. The building sits empty. Other very popular restaurants in the northern suburbs of Syracuse have recently closed. Among them, Fireside by the River in Baldwinsville and Primo Nestico’s Bistro Bar in North Syracuse. “I haven’t really paid attention to the Syracuse area. There has always been some turnover, but there probably has never been a tougher time to be a restauranter than now. It’s just brutal,” Walsleben said. In the first year, roughly 20% to 25% of restaurants close or change hands, according to the National Restaurant Association. [caption id=attachment_11122 align=alignright width=401] Outback Steakhouse closed in August 2024. Another restaurant took its place, La Cocina Mexican Restaurant, but it closed shortly after. The building sits empty.[/caption] “Depending on what statistics you look at, you’ll find that any business has a high mortality rate in the first year. That is just the nature of entrepreneurship,” Walsleben said. “There are certain ones that are getting hit hard while others are more fruitful. “And when you look at the restaurant industry you have to factor in labor which is a large part — typically a third of your expenses — and those costs are going up. And there is always turnover which means investing money to train people. Then you’ve got food costs, which is also a third of the typical restaurant budget. Since the pandemic labor has gone up 41%, food costs have gone up 35%. That’s a big tight squeeze righty there. That’s two-thirds of your budget that has gone up 35% to 40% in the last few years. And then the only way you can make that work is to raise the prices.” The National Restaurant Association reports menu prices are up 36% since February of 2020. In a survey released by the association, more than eight in 10 restaurant owners reported that their food, beverage and labor costs are now higher than before the pandemic. You have to deal with the reality of are the customers willing to pay for that? Walsleben added. Restaurants historically have very thin margins; their profit margin is about 5%. “You have a third that goes into food, a third that goes into labor and about 28%, 29% that goes into everything else — overhead, insurance etc. So that brings you down to your 5% leftover,” he said. “Everything is going up. Customer expectations are going up and people aren’t going to spend that much more. So, you have a tight squeeze here,” Walsleben continued. “Restaurants who use delivery apps, they pay a fee to those guys. Those guys don’t work for free. So, you can kind of see where the squeeze comes from.” Stuck in the middle There are pockets of opportunity; the two extremes of the market can make a profit. But the middle gets squeezed out. “If you are a low-end fast-food kind of place, there is room for that. People have changed their budgets. They are still going out, but they are not spending more,” according to Walsleben. “The high end remains positive. If you have a restaurant that brings a specific experience … a great food product or you are catering to high end customers who aren’t so budget conscious, those patrons are going to expect a high-end experience. They expect excellent food every time. They are expecting excellent service. If you can meet those expectations there is room for you at the top. It’s just the guys in the middle are getting the squeeze from both ends. Tough competition, customer expectations, costs are up. Menu items, you can’t raise the prices as much as you need to. That is why you are seeing a lot of restaurants baling out.” The ones that can adapt quickly are the ones who are doing OK. “Success is heavily dependent on the strength of a restaurant’s concept development and the planning of its execution. Eventually things aren’t always new. Things change. So, if you are in the restaurant business you have got to change your menu — keep things new, fresh and update your meals. It is very fickle industry. One year carbs are out, the next year berries are out. Everybody’s diet changes — constantly chasing the latest phase. You have got to adjust your menu and move with those modifications. If you have a static menu that you have used the last couple years that hasn’t changed except for the pricing, you’ve got a problem,” he said. A lot of times these buildings are singular purpose, he added. “You have a commercially viable kitchen and you got a seating area. There is not a lot of other businesses that cater to that type of a layout. So, it’s pretty common to see another restaurant slide in,” he said. One of the things a banker learns early on is you don’t lend money to restaurants … because they fail so quickly. It is very hard to predict who the winners will be. So, if you are a restaurant in addition to all the other challenges, it is very difficult to get loans, according to Walsleben. “You might work really well in the kitchen. But that doesn’t mean you are a great businessperson,” he said. “Restaurants can fail because the owner didn’t know how to manage things properly. There are a lot of challenges. “There is opportunity at the high end and the low end. But in the middle, that’s the death valley. There are just so many things working against you. You really need to have something that will pull people in and continue to pull people in because you to constantly have to change. Think about a theme and a product that is unique to the area people don’t travel that far these days you have to be able to deliver it in an innovative fashion and keep updating to keep people coming in the door.” Out of Business? How Fast? Do nine out of 10 restaurants fail in their first year, as commonly claimed? No. Survival analysis of 1.9 million longitudinal microdata for 81,000 full-service restaurants in a 20-year U.S. Bureau of Labor Statistics non public census of business establishments in the western US shows that only 17% of independently owned full-service restaurant startups failed in their first year, compared with 19% for all other service-providing startups, according to ResearchGate. The median lifespan of restaurants is about 4.5 years, slightly longer than that of other service businesses (4.25 years). However, the median lifespan of a restaurant startup with 5 or fewer employees is 3.75 years, slightly shorter than that of other service businesses of the same startup size (4.0 years). What Makes a Restaurant Successful? Opening and maintaining a successful restaurant is not as easy as creating a great menu and serving excellent food. It takes more than that, according to local restaurant owners who have been in business for decades in the region. They all agree that there are some guidelines to running a successful restaurant. • Quality food: Successful restaurants know exactly what they serve and who they serve it to. Delivering the same great taste every single time builds loyal customers. • Smooth operations: Friendly greetings and attentive staff make guests feel welcome from the moment they walk in. Hiring staff for personality and training for skill ensures reliable, caring service. • Smart marketing: Exceptional food and experiences naturally get people talking and sharing online. Word of mouth can help entice customers. Consistent social media and targeted advertising brings in new and repeat guests also. The menu is what keeps patrons coming back to Mimi’s Diner in Fulton, located at 201 N. Second St. “We locally source our produce and our meats. Our chicken and biscuits is a popular, popular special,” said Richard Tagliareni, the third-generation owner and general manager. “It’s all homemade. We have consistently served quality food.” His grandfather started the business more than 55 years ago. Mimi’s is engrained in the community. They cater to the community and are very involved in everything from the schools to local events. The first Mimi’s Drive-In opened in Mexico. Then a second in Oswego and then Fulton. Fulton’s Mimi’s is the only one left. “The last couple of weeks have been kind of slower than normal. October is usually a busier month for us People will start coming back around again. Also, the price of gas is affecting some things,” Tagliareni added. “We try to keep our prices in line. You go out to eat, you’re going to spend about a hundred bucks or so for two people for dinner. You come here to Mimi’s you are probably for two people for dinner it’s between $50 and $60. We are trying to keep our prices in line. We did have to increase our prices a little bit but things are looking OK.” For the Press Box, 29 E. First St., Oswego, it’s also about great food and a family atmosphere. “Our sports bar and restaurant was established in 1984,” said Alison Canale Scanlon, manager. “I think putting the time into everything makes a big difference and treating people like family when they walk into your restaurant. That’s how we have always operated since 1984.” “It’s the family oriented aspect,” she added. “Consistency, quality and presentation of our food — that’s the secret to a successful restaurant. We try to be very consistent with it. We treat people like family when they come in; because we know how we want to be treated when we go to a restaurant. We treat people the same or better.”
Are Bank Lobbies Still Relevant?
Local banking leaders say technology is changing the way customers use their banks — and their lobbies By Deborah Jeanne Post [caption id=attachment_11109 align=alignright width=300] Steve Gorczynski is M&T Bank Central New York regional president.[/caption] When was the last time you entered the lobby of your bank? If it’s been a while, you’re part of a trend of eschewing the lobby in favor of ATMs, drive-thrus, online banking and remote deposit. A 2025 study performed by the American Bankers Association revealed that only 9% of consumers use bank branches as their preferred way to do banking and 76% prefer mobile banking. The trend away from the lobby reflects consumer behavior in other areas of doing business, including online shopping instead of perusing the mall, ordering fast food at a kiosk, not at the counter and selecting curbside pick-up rather than walking into the restaurant. Consumers want convenience and going in the lobby adds another layer to the task. It also places consumers face to face with one or more representatives of the business, something less favorable to people feeling burned out from interpersonal interactions. Nixing or at least minimizing the size of the lobby isn’t necessarily negative for banks. Fewer people passing through their doors reduces overhead for building maintenance, staffing and furnishing. Greater reliance on virtual banking can mean closing brick and mortar locations and hiring fewer staffers to cover roles like teller and lending officer. “Our focus is on meeting customers where they are and giving them flexibility in how they bank,” said Steve Gorczynski, M&T Bank Central New York regional president. “While many everyday transactions can be supported digitally and through ATMs, branches remain important for more complex financial needs, offering face-to-face guidance and a more personal banking experience.” Talking with a commercial lender or working on a home mortgage are two examples where meeting face-to-face is more desirable for many people. They can receive immediate feedback to questions and can possibly reach their goals more quickly. But there’s little need to have a large seating area, long counters and numerous tellers for routine banking that’s quicker to handle virtually. Online banking can also help people on the go more readily complete banking tasks such as depositing checks, transferring funds among accounts and checking balances. [caption id=attachment_11135 align=alignright width=300] Tina M. Stephens is the vice president branch administration for Fulton Savings Bank.[/caption] “The traditional bank lobby is certainly being evaluated by most institutions today, as the typical large, open and cavernous spaces do not necessarily meet the needs of today’s customers,” said Tina M. Stephens, vice president branch administration for Fulton Savings Bank. “Traditional lobbies often bisect traditional teller stations and customer service areas, which adds confusion, especially for the demographic who routinely use online banking and only access the lobby for customer service needs.” Despite the rollback in physical locations across the industry, Fulton Savings Bank began modernizing its six branch offices in Oswego and Onondaga counties about three years ago and have finished four offices so far in Baldwinsville, Fulton, Constantia, and Phoenix. “We made the decision to build a new branch across the street from our current office in Brewerton which will be completed by the end of 2026, and we will begin the retrofit of our Central Square office in early 2027,” Stephens said. “Our efforts specifically address where we think customers will be in the next three to five years and have greater flexibility to make changes out into the future.” The bank may be onto something, as numerous reports state that screen-weary Gen Z young adults crave more in-person interactions than virtual ones. If the pendulum continues to swing in that direction, it’s hard to see all physical bank areas disappear, even if they change somewhat. Fulton Savings Bank has also consolidated its teller and customer service representative areas to larger “universal banker” areas, where the bank representative can address all customer retail needs. A one-stop-shop experience appeals to busy banking customers who want to perform a few different banking tasks in one visit. Stephens also said that Fulton Savings Bank made additional technology and security enhancements and created flex spaces to accommodate bank meetings throughout the two-county branch footprint. At Solvay Bank, Elizabeth Lavier, vice president marketing and communications manager, lauded digital and online services as convenient and flexible for managing finances; however, “technology is not meant to replace what matters most: the relationships behind every account that have always been at the heart of community banking,” she said. “Even in today’s digital-first world, people of all ages still value the opportunity to sit down with a trusted banker for personalized guidance. We understand that some of life’s biggest moments call for more than a screen.” Lavier views digital banking as another way for the organization to serve customers rather than a replacement for branches, tellers and lenders, which tend to serve customers better for transactions like buying a first car, purchasing a home, saving for a child’s education, or planning for retirement. “Those conversations, built on understanding, experience and personal guidance, are what community banking is all about,” Lavier said. “At the end of the day, banking is about more than transactions. It’s about helping our customers achieve their goals and being there for them every step of the way. By combining the convenience of digital banking with the care, commitment, and personal service of a local community bank, Solvay Bank offers customers the best of both worlds.” Are Paper Checks Destined to Disappear? With the ubiquity of debit cards, online payments, virtual checks and peer-to-peer payment platforms like Venmo, Zelle and PayPal, will paper checks become passe? “In my view, paper checks are unlikely to disappear in the near future,” said Tina M. Stephens, vice president branch administration for Fulton Savings Bank. “They continue to serve a practical purpose by providing a clear paper trail and tangible proof of payment.” According to the American Banker, a leading trade publication that covers the banking and financial industry, in 2024, checks accounted for 65% of all payment fraud losses. Paper checks should be phased out, according to the publication. “The phrase, ‘The check’s in the mail’ probably sounds strange to younger people because the era of paper checks is rapidly drawing to a close. Put bluntly, checks are an expensive, insecure legacy that is a drag on the U.S. economy. Rather than wait for them to vanish slowly, the pragmatic choice is to strategically accelerate the transition to paperless payments.”
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Visa wins approval to prepare a bank card clearing business in China
Visa has received approval to prepare for a bank card clearing business in China, allowing it to compete in the country's payments market.
Visa wins approval to prepare a bank card clearing business in China
Visa has received approval to prepare for a bank card clearing business in China, allowing it to compete in the country's payments market.
Visa wins approval to prepare a bank card clearing business in China
payments giant Visa said Tuesday that it received approval to prepare to set up a bank card clearing business in China, a move that could allow Visa to compete for a share of the country's large payments market.Some analysts see the development as an encouraging sign for American businesses following Chinese leader Xi Jinping's meetings with President Donald Trump during a state visit to Washington last month.
Visa wins approval to prepare a bank card clearing business in China
BEIJING (AP) — U.S. payments giant Visa said Tuesday that it received approval to prepare to set up a bank card clearing business in China, a move that could allow