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Man refuses to defend his brother’s bad business decisions at their dad’s formal hearing after years of cleaning up every overpromise he made
A 38-year-old who has spent his entire career quietly fixing his older brother's overpromises just refused to walk into a formal hearing and help present those promises as bad luck. His family is not ...
From detailing family cars to cleaning rides for Patriots players: Local college student’s business
A local college student’s auto detailing business has grown from helping family and neighbors to servicing the vehicles of professional athletes across New England.
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.
San Jose launches pilot program for mobile healthcare unit on downtown streets
The program hopes to help most vulnerable residents “with complex needs who too often cycle between the street, 911, emergency rooms and back again”
Retired Navy SEAL to first responders at Chesterfield mental health event: 'Trauma is trauma'
Operation Yellow Tape hosted a mental health conference for first responders in Chesterfield, bringing together speakers to break the stigma of seeking help.
CEO SUNDAY: Tropical Smoothie Cafe CEO says 'listening and learning' are keys to success
Max Wetzel said that staying close to franchisees, employees and customers has helped guide decisions as Tropical Smoothie Cafe has grown to nearly 1,800 locations.
I have ALS. The promise and potential perils of AI are personal
OPINION: While concerns over AI safety are warranted, the technology could help us design bigger, smarter and more inclusive trials for people with diseases like ALS, Kevin J. Morrison writes.
Gimme Him: Alec Anderson would immediately help Patriots' OL depth
The Patriots could benefit from the depth that Alec Anderson could offer to their banged-up offensive line.
In Austin and beyond, nonprofit groups help musicians pay for health insurance
AUSTIN, Texas — Musician Zack Morgan jokes that when he lost his corporate job in 2015, it was like being pushed off a cliff. For years, he said, he’d been
How a patient advocate could help you navigate your family's next health crisis
Here’s what you need to know to work with one most effectively.
Mum fundraises to install mental health bench in Wellingborough
The bench includes phone numbers and a QR link that offer support to people in need of help.
Commerce awards grant to help Health Department speed up septic permit reviews
Awarded $70,000 to the Snohomish County Health Department to help it expedite reviews of on-site septic systems for new homes.
Franciscan Health presenting The Family Dinner Project
News release, Franciscan Health: Initiative aims to help families connect over meals MICHIGAN CITY, Ind. – Franciscan Health is again hosting The Family Dinner Project, a free program focused on helping families connect, laugh and grow one meal at a time. The program provides easy recipes, fun conversation starters and simple activities to help dinnertime become a positive experience for the whole family. The Family Dinner Project sparks real conversations without cell phones, builds stronger family bonds, removes mealtime stress by making it fun and fits into any schedule or lifestyle. All families are welcome, whether big or small, multigenerational
Cavan Sullivan, Julian Hall lead USMNT to Mexico rout
By Dylan ButlerGoals by two of Major League Soccer's youngest and brightest stars helped lift the US men's national team to a 3-0 win over rival Mexico at State Farm Stadium in Glendale, Ariz. on Satu...
New Business Manager Appointed at Phelps-Clifton Springs School
Dan Friday is the new Phelps-Clifton Springs CSD business manager. He joins from East Rochester CSD, succeeding Karl Dubash, who took a role at Pittsford CSD.
Nonprofit transporting residents to healthcare receives pivotal partnership
Quest Inc. is a nonprofit in Central Florida that provides transportation services to people with developmental disabilities. (COURTESY OF QUEST INC.) A Central Florida nonprofit assisting residents with development disabilities to access healthcare appointments was selected for a pivotal partnership with a local hospital that will help expand services. Quest Inc. is a nonprofit that provides
Culver City protesters demand Sony, Amazon, other studios defend democracy
LOS ANGELES — On a sweltering Saturday, around 100 people gathered in Culver City for a rally and march to deliver a message to several major media companies: Help us
Is Sun Life (TSX:SLF) Quietly Redefining Its Health Ecosystem With Disability Care Navigation?
In late September 2026, Sun Life U.S. introduced Disability with Health Navigator, integrating personalized care navigation into disability coverage to help employees access specialized opinions, providers, and employer-specific benefits while facing major health conditions or seeking ongoing support. This move extends Health Navigator’s reach across disability, standalone offerings and medical stop-loss coverage, underlining Sun Life’s focus on year-round health support within employer...
Can a civility pledge help address our toxic politics?
By Vince Bzdek It has been a tale of two cities in Colorado Springs in recent weeks. On Sept. 17, a nine-hour-long city council meeting on the merits of the Project Taurus data center devolved into violence when Colorado Springs Police brawled with several audience members after two men tried to shield a woman who […]
Trump rally attendees react to war and the economy ahead of the midterms
CNN’s Alayna Treene speaks with Trump supporters about their views on issues like the Iran war, gas prices and the economy, as the US president campaigns in Vandalia, Ohio in a bid to help Republicans retain control of Congress in next month’s midterm elections.
Italy 1-1 France – Bastoni Delivers at Both Ends
Inter defender Alessandro Bastoni scored Italy’s equaliser in a 1-1 Nations League draw with France in Paris, then made a vital late intervention to help secure the result.According to Football Ital...
Syracuse Football: Why Amari Odom Needs to Remain Starting Quarterback
The signal caller helped lead the Orange to their second victory of the season Saturday afternoon against UConn.
NYT Strands Answers Today: Hints & Clues For Sunday, October 4 (Grab Your Tokens)
Looking for help with today's NYT Strands puzzle? Here's an extra hint to help you uncover the right words, as well as all of today's answers and Spangram.
Marks, Fernández Focus on Positional Size Could Help Nets
Brooklyn’s new leadership is building a towering, free-flowing roster designed to stifle opponents defensively and ignite a stagnant offense through unique mismatches.
Ted Cruz blasts JD Vance as ‘insecure,’ says he’s focused on helping GOP win midterms
A clash between two potential candidates for the 2028 Republican presidential nomination spilled into public this week.
South Texas Health System (@stxhealthsystem)
1 likes, 1 comments - stxhealthsystem on October 3, 2026: "A Gathering of Compassion, Commitment & Community: The Texas Association of Healthcare Volunteers (TAHV), a statewide organization dedicated to supporting, training and connecting healthcare volunteers, recently held its District 3 Meeting at South Texas Health System Edinburg. Volunteers from across South Texas and the Coastal Bend gathered to learn, share ideas and strengthen the vital role they play in supporting patients, families and healthcare teams throughout their communities. The Auxiliary to STHS (@auxiliarytosths) is made up of more than 350 student and adult volunteers who help enhance the patient experience across the health system. To help make this year's event a success, auxiliary members from hospitals throughout the Rio Grande Valley came together to plan, coordinate and host the annual meeting. We extend our heartfelt thanks to everyone who attended and contributed to this inspiring event. Your dedication, compassion and service make a lasting impact in hospitals across the Rio Grande Valley and beyond.".
Fulton County pairs deputies with mental health clinicians to help keep people in crisis out of jail
When a person is experiencing a mental health crisis, a call for help can bring law enforcement to the door. But in Fulton County, a new team is giving deputies another option before someone ends up in jail.
Fulton County pairs deputies with mental health clinicians to help keep people in crisis out of jail
Luvs Is Helping Parents With Affordable Diapers That Actually Work
CINCINNATI--(BUSINESS WIRE)--Oct 3, 2026--
Ike Perlmutter helps James Uthmeier stretch fundraising lead in AG race
The business titan and his wife combined to give half a million dollars to the AG's PC.
TST Best Bets: October 3, 2026
Mississippi State gets a chance to show how far it has come Saturday, welcoming No. 7 Alabama to Starkville for a matchup of unbeaten SEC teams. Kamario Taylor has helped turn the No. 16 Bulldogs into an early surprise, but keeping up with the Crimson Tide will be their biggest test yet.Over in the Big Ten, No. 14 Iowa returns home after its dramatic win at Michigan to face No. 6 Ohio State. The Hawkeyes will lean on their defense again, this time trying to slow down Julian Sayin and Jeremiah Sm
Trump to give $90 to senior citizens for Medicare premiums
President Donald Trump said late Friday he will give around 20 million senior citizens $90 each to help pay for their Medicare Part B premiums, marking his latest effort to dole out funds to certain Americans weeks before the midterm elections.
David Jolly clears $1M raised in a week with help of matching funds, but can't keep pace with Byron Donalds
It's now or never if national Democrats want to flip the Governor's Mansion.
How Charlie Taylor, Ray Charles and Seattle jazz shaped Quincy Jones
In this excerpt from "Jackson Street After Hours," author Paul de Barros explores how the Seattle jazz scene helped shape music legend Quincy Jones' career.
Sanders helps open Arkansas Forest Health Research Center
MONTICELLO — Gov. Sarah Huckabee Sanders, U.S. Rep. Bruce Westerman and other state leaders helped the University of Arkansas at Monticello open the Arkansas Forest Health Research Center on Friday (Oct. 2). The center is located next to the Fine Arts Center at the school, which is home to the state’s only college of forestry. […]
Seaside Women’s Care wins state award for integrated health care
Program pairs women’s health visits with behavioral care and practical help
This protective enzyme could help stop fatty liver disease from getting worse
Scientists have identified an enzyme that may act as a natural defense against the worsening of fatty liver disease, which affects an estimated 100 million Americans. The enzyme, called UBE2N, helps liver cells clear away damaged mitochondria and break down fat, potentially preventing the inflammation, scarring, and cell damage associated with the more dangerous condition MASH.
Ocean chemistry on ancient Earth could help scientists search for life on alien worlds
"Earth's history shows that oxygen, nutrients, and life evolved together. Understanding those connections gives us a more nuanced perspective on our own planet's future and what we might look for on other planets."
Ocean chemistry on ancient Earth could help scientists search for life on alien worlds
A new look at ancient rocks suggests that a self-sustaining nutrient cycle in ancient oceans helped keep Earth's atmosphere rich in oxygen for millions of years.
Your gut may be making a molecule that raises Alzheimer’s risk
Scientists have linked a gut bacterial compound called ImP to greater Alzheimer’s risk, harmful brain protein buildup, and faster cognitive decline. The finding raises the possibility that reducing ImP in the blood could one day help slow or prevent dementia.
Scientists recreate Enceladus’s ocean and watch Earth microbes thrive
Water-rock chemistry helped methane-producing microbes survive extreme alkaline conditions modeled on Enceladus’s hidden ocean.
I used a fake Craigslist ad to test my business idea. The reaction gave me the proof I needed.
Alison Donnally founded a business to help older adults live independently. She explains how the idea came to life.
I used a fake Craigslist ad to prove my business idea could work
Alison Donnally founded a business to help older adults live independently. She explains how the idea came to life.
Eagles legend Don Henley puts big money into turning Texas blue
The Texas native is top donor to several statewide Democratic candidates and a major player in super PACs helping James Talarico.
Change to bankruptcy law may help speed up, give relief to small biz
Small businesses may get an easier path to restructure their debt faster while offering greater flexibility in negotiating with creditors under a change in law waiting President Trump's approval.
Let’s thank the politician who helped drive the Freedom Caucus out of power
I know it’s way too early for a Thanksgiving column. Halloween is still more than a month away.
Latest Duke Chronicle Player Previews: Maxime Meyer & Jacob Theodosiou
Both of these players will be helpful, but in different ways
Notre Dame Nabs Six Spots on Early NFL Draft Board
For decades, major football programs such as the Notre Dame Fighting Irish have spent heavily on training centers and experienced coaching staffs. Those resources help high school recruits become stronger and more prepared early in their college careers. Top universities now run football programs that work much like professional teams. Scouts follow talented college players […] The post Notre Dame Nabs Six Spots on Early NFL Draft Board appeared first on Gridiron Heroics.
Health insurers paying millions in costs thanks to AI, report says
Those behind AI hospital billing services maintain the technological is a great help to healthcare.
Willi Orbán Helps Hungary Secure First Nations League Win
Milos Kerkez’s maiden international goal and a resolute defensive masterclass led by Willi Orbán silenced Georgia’s stars, revitalizing the Magyars’ promotion hopes with a crucial clean sheet.
Pau Cubarsi opens up on Barcelona pressure, mental health and life as a teenager: ‘You have to keep fighting’
Pau Cubarsi has opened up about the demands of becoming a Barcelona first-team player at such a young age, explaining how psychological support helped him during the early stages of his breakthrough.T...
America wants to wean itself off Chinese technology. Will the pain pay off?
Seven years after founding a robotics startup in San Francisco, Rajat Bhageria is confronting a daunting new task: building robots without any help from China.
Human trafficking case highlights Malden business' training on how to help
A recent human trafficking case in Malden, Mass., has a local pest control company that recently trained its workers to recognize warning signs urging others to do the same.
WINK News to host Medicare Help Center as 50,000 Lee Health patients face insurance changes
WINK Investigates is hosting a special event to help answer pressing questions from the community.
Top Three Questions the Astros Must Answer During the Offseason
With the season over and Joe Espada's future uncertain, the Astros face a pitching staff in need of help and a handful of young players that might see more playing time in 2027.
LaRose launches new Ohio election and business resource for students
Ohio Secretary of State Frank LaRose announced today the launch of new online resources designed to help Ohio students learn about elections, civic engagement, entrepreneurship, and the virtues of active citizenship.
Metro Atlanta police department asks for more behavior health resources for crisis calls
This is a unit that the chief has championed for years - so much so that now he says he needs more people on it for people in crisis late at night when they need help the most.
Healthcare Has Normalized The Abnormal. Raj Panjabi’s New Book Explains Why.
A new book from former Biden official Raj Panjabi unpacks the notion of “normalcy bias.” It may help explain how we have come to accept our country’s underperforming healthcare system.
NBA Shooting Coach Would ‘Love’ To Help Kings’ Simmons
Renowned trainer Lethal Shooter offers to overhaul Ben Simmons’ broken mechanics, promising to rebuild the veteran forward’s jumper from scratch to unlock Sacramento’s full offensive potential.
Register to Vote by October 5 #AACTNow
Your vote is your choice. Make sure registration is on your calendar. October 5, 2026 is the Texas voter-registration deadline for the November 3 general election. AACT Now is sharing voter information and important election dates to help people prepare. Visit aactnow.org for resources. Presented by Texas Border Business and MeGustaTV.
Day in the Life: NYC Health + Hospitals/Coler Environmental Services (EVS) Team
In our hospitals, nursing homes and post-acute care facilities, cleanliness is about far more than appearance. Every disinfected surface, properly sanitized room and diligently maintained common area helps meet the...
Bakersfield police seeking help ID’ing man who burglarized Planz Road business through roof
BAKERSFIELD, Calif. (KGET) — The Bakersfield Police Department is investigating a burglary that took place in early September. The police department is seeking help identifying the suspect in…
Midterms monitor: NH and Maine could decide control of the U.S. Senate
As national headlines reverberate at the local level, voters have no shortage of concerns. Journalists from New Hampshire and Maine joined 1A’s weekly news roundup Friday to help take the pulse of the 2026 midterm elections.
7 Science-Backed Ways to Channel Creativity
To boost creativity, we need to get into a “flow” state. New research reveals lesser-known ways proven to help anyone unlock their creative potential. Now that’s genius!
Chicago expanding program meant to help those experiencing mental health crises
Chicago is expanding the Crisis Assistance Response and Engagement program, which helps people experiencing mental health crises.
Mayor Brandon Johnson’s 911 mental health response teams see uptick, CPD help
Mayor Brandon Johnson’s campaign promise of rolling out a non-police mental health response team is at the center of a new media blitz by his administration.
Colossal Biosciences' Ben Lamm on AI and the science of de-extinction
Ben Lamm, Colossal Biosciences Co-founder and CEO, told CNBC's Julia Boorstin at the 2026 CNBC AI Forum about how AI helps make "magic" happen when it comes to de-extinction.
CalAIM Offers Housing and Health Support, but Medi-Cal Barriers Leave Some Californians Behind
California’s CalAIM program can connect vulnerable residents with health care and housing, but getting that help isn’t always simple.
Bishop’s computer science chair says AI is eliminating ‘grunt work’ and reshaping digital jobs
Dr. Russell Butler, chair of Bishop’s University’s Department of Computer Science, says artificial intelligence is increasingly taking over routine digital “grunt work,” changing the skills students and workers may need in the years ahead. Photo courtesy of Bishop’s University. Click here to read our platform! Get local news like this every morning. Subscribe free below. Subscribe Pulse Newsroom Artificial intelligence is already taking over some of the routine digital work once performed by entry-level employees, according to Bishop’s University Computer Science chair Dr. Russell Butler — a shift he believes will make expertise, judgement and the ability to evaluate AI-generated work increasingly important. Butler described the change as automation reaching what he calls the “bottom of the cognitive pyramid” during an interview with The Pulse about AI, university education and the future of digital work. His argument is not that humans are disappearing from the workplace. Instead, he sees their role changing as AI becomes capable of handling more of the repetitive tasks involved in computer-based work. “Everything’s converging on just AI basically doing all the grunt work,” Butler said. The bottom of the cognitive pyramid Butler is from Lennoxville, completed his undergraduate studies at Bishop’s and later earned his PhD at the Université de Sherbrooke. He joined Bishop’s in 2019 and now chairs its Department of Computer Science. He uses AI in research, teaching and other creative work, and said the technology is increasingly capable of handling routine digital tasks that once required substantial human time. “You’ve got the grunt work, like moving things around in Excel, doing basic programming tasks,” Butler said. “That’s like the bottom grunt work that the entry-level worker would have done two or three years ago.” Butler went further, saying in his view that much of this type of work has already been absorbed by AI tools. He connected that change to a shift he sees taking place in computer science, where entry-level roles have declined while experienced workers can use AI to increase what they can produce. “A senior developer now has access to essentially an unlimited amount of junior developers on demand,” Butler said. He was describing AI systems metaphorically, not literal employees. His point was that one experienced developer can now ask AI tools to produce code or other technical work that might previously have been assigned to more junior workers. That raises a broader question for universities and employers. If some of the simpler work traditionally given to newcomers can now be done by machines, how do people gain the experience needed to become senior workers themselves? Students doing work that once required years of programming Butler said he is already seeing the change inside his classroom. He created a Bishop’s course called CS208, Coding in Plain English, to show students — including those without traditional programming backgrounds — what they can accomplish using AI. Some come from disciplines such as psychology or neuroscience with no previous programming experience. “What I’m finding is that students who have zero programming experience, they come in from another discipline like psychology or neuroscience or something, they are now able to get up and running with real data sets,” Butler said. Butler’s own doctoral work involved neuroimaging, and he said he has assigned students work he considers comparable to the kinds of analysis he performed during his PhD. He described giving students a real dataset, an expected result and instructions to use AI to complete the analysis. Butler said those students have been able to carry out work at a level he associates with tasks he once performed after years of programming experience. That does not mean a student using AI instantly acquires the same knowledge as an experienced computer scientist. But Butler sees it as evidence that AI can dramatically lower the technical barrier between having a problem to solve and producing a working result. The role of the person using the system then changes. They need to know what to ask for, understand enough about the subject to judge the answer and take responsibility for what is ultimately produced. What about AI hallucinations? One persistent concern surrounding generative AI is hallucination — when a system produces information that sounds convincing but is false or unsupported. Butler said that problem has improved substantially in newer systems and is not as severe as it was with earlier models. He pointed in particular to newer AI systems’ ability to search the web, consult scientific databases and return source links rather than simply generating a citation from their internal model. Butler nevertheless said users should verify what AI produces. “You should verify,” he said while discussing citations generated with AI. His position is that hallucinations have become less common in the systems he uses, not that incorrect AI output is impossible. Human checking remains part of the process. Hours of work compressed Butler offered another example from his administrative work at Bishop’s. The university has been comparing CEGEP courses with first-year Bishop’s courses to determine where students may qualify for advanced standing. Traditionally, Butler said, that means reviewing two sets of course descriptions and manually matching one institution’s courses with another’s. As department chair, that could require hours of reading and comparison. He said AI can now be given both sets of material and asked to generate an initial mapping automatically. “It saves me hours and hours of work,” Butler said. Butler said the AI-generated mapping can also produce a better result than he would produce himself. He sees similar opportunities in businesses. A company may receive specifications, drawings, emails or other digital material from customers and then have employees convert that information into an internal format before anything can be manufactured or delivered. AI can increasingly perform parts of that intermediate processing. In Butler’s view, the employee does not necessarily disappear. Instead, the job becomes more about checking the result. “The human is still there,” he said. Judgement could become more valuable That change is central to Butler’s view of where digital work may be headed. If AI can produce a first draft, write basic code, compare documents or process large amounts of information, he argues that knowledge and judgement become increasingly important. “The real scarce resource going forward is going to be domain knowledge, expertise, and… credentials, authority, the ability to work with other people,” Butler said. He is therefore encouraging students not only to learn AI tools but also to broaden their education. He mentioned acting, fine art and photography as examples of courses that can help develop what he described as taste and intuition — the ability to recognize what is good, what is not and what should be changed. “And that’s the skill that they need now because the grunt work has been automated and now it’s about evaluating what the AI produces and telling it how to improve or expand the output,” Butler said. That does not remove the need for technical knowledge. Butler’s argument is that the emphasis may shift away from manually completing every step of a task and toward directing, checking and improving work produced with AI assistance. He also stressed that humans remain responsible for final decisions. “At the end of the day, the human has to make the final call,” Butler said, pointing to the question of accountability. Physical work may be different Butler draws a distinction between digital work and jobs requiring people to manipulate the physical world. He expects AI to continue advancing quickly in tasks performed almost entirely on computers. He is more cautious about claims that humanoid robots will soon be able to replace workers such as plumbers or electricians. Butler said those trades would not be replaced “anytime soon” in his view and described some current robotics demonstrations as overhyped. He described the situation as counterintuitive. “It’s almost like we solved the highest level first,” he said, contrasting advances in digital AI with the harder problem of building robots capable of operating reliably in the physical world. Butler’s argument is that some digital occupations could face automation sooner than trades requiring complex physical work. The wider AI shift in the Townships Butler’s comments come as local institutions are increasingly grappling with how AI should be used. The federal government recently announced up to $162 million over five years for 10,000 AI-related placements through Mitacs. The Université de Sherbrooke told The Pulse that the number of its collaborative research and innovation projects supported through Mitacs has approximately doubled since 2018-19, while the number of placements has approximately tripled. UdeS also said it already has projects involving both AI adoption and the application of AI to other fields. At Bishop’s, Butler said part of his role involves building the Computer Science department’s local presence, connecting students with regional partners and strengthening relationships with the Sherbrooke technology ecosystem. Those developments put universities in a difficult position. They have to prepare students to use the tools employers increasingly have available while also making sure graduates understand enough to recognize when those tools are wrong, incomplete or being applied to the wrong problem. The risk of losing human skills Butler does not see AI as risk-free. Later in the interview, he raised a separate concern: as AI becomes better at reading, writing, programming and other cognitive tasks, people could lose some of the underlying skills that historically helped produce new ideas. “The other danger is that we’re going to lose the human skills,” Butler said. He specifically mentioned reading and writing and argued that people could lose some of the lower-level understanding that contributes to breakthroughs. Butler said AI systems are based on existing human knowledge and argued that they become much more powerful when paired with a capable person. That tension runs through his view of the technology. AI can remove hours of routine work. It can allow beginners to perform tasks that once required substantial technical training. It can give experienced workers significant leverage. But the more capable the technology becomes, the more important it may be for people to develop the judgement needed to decide what should be done in the first place. For Butler, that is where education may have to change. Students still need to understand their field. They still need to know when something is wrong. And they still need to be able to make the final decision. But if AI increasingly handles the bottom of the cognitive pyramid, the value of a worker may depend less on how quickly they can perform the grunt work and more on whether they understand what the work is supposed to accomplish. Don’t miss the next story that affects your community. Join thousands of readers getting The Pulse every morning—plus breaking news alerts when it matters most. If you value this kind of local journalism, consider supporting it. Subscribe, share and like! Subscribe Share
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