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After school programming, birthday parties and day camps at Brooklyn Science Spot in Carroll Gardens (sponsored) | Brooklyn Bridge Parents - News, Events and Family Services
Brooklyn families, get ready for a fall experience that goes beyond worksheets, screen time, and ordinary after-school programs and camps. At Brooklyn Science Spot, we are opening the door to a whole new way for children to learn, explore, and fall in love with science through hands-on discovery, creative thinking, and real-world STEM fun. Opening
1,800-year-old temple to Mars and statue of Victory unearthed at Roman military fort in Germany
Archaeologists in Germany have found a temple to Mars, the god of war, next to a Roman Empire military encampment.
Caring for students a priority at Health Center
A primary purpose of the Campbell University Health Center is caring for students, serving as an important resource in regard… More on this post
Whole Hog Politics: Audience capture and the GOP’s #content trap
You did not, I hope, have to take any notice of an empty online furor over Arkansas’s Republican Gov. Sarah Huckabee Sanders’s campaign ad that cast a young, white male as a welfare freeloader redeemed from sloth by...
Misericordia University to Host Healthcare Symposium with Presenting Sponsor Geisinger
Misericordia University’s College of Health Sciences and Education, with Geisinger as Presenting Sponsor, will host the 2026 Healthcare Symposium, “Connected Care: Aligning Education, Innovation & Community Health,” on Friday, Oct. 23, from 8 a.m. to 5 p.m. in Lemmond Theater on the University’s Dallas campus.
Seedy K’s Pigskin Palaver: House of Cards & Much Mo’
Ah yes, October; the pigskin campaign is morphing more fully developed. And, fully enveloping. This week, there’s a football game on every single night. Not just the more traditional Thursday, Friday, Saturday, Sunday, Monday. Because Draft Kings and Fan Duel and The World Wide Leader need content, we get Southern Miss and Troy on Tuesday, […]
WATCH LIVE: Trump campaigns with Ricketts in Nebraska, where ranchers have beef with his import plan
Paid influencers and political ads - Illinois Times, the capital city's source of news, politics, arts, entertainment, culture
My associate Isabel Miller and I worked on a story last week about paid influencers in campaigns. We decided to look into it after reading news reports about how the Chicago Teachers Union has been using paid influencers in its battle to control the elected Chicago school board and Chicago Mayor Brandon Johnson is also […]
CARTI encourages women to prioritize breast health
As part of its annual breast health campaign, CARTI Cancer Center shared critical information regarding the importance of early detection and debunked common misconceptions about breast cancer risk…
What we learned from Wales' Nations League window
On the back of a demanding four-game international window, BBC Sport Wales assesses the key talking points from Wales' Nations League A campaign so far.
Puka Nacua has a "pre-hernia"
With Rams receiver Puka Nacua having "core muscle" issues during training camp and then a hip/groin problem that caused him to miss two games, it began to seem as if Nacua might have a hernia.
Top crypto group to pour millions into bipartisan slate of House races after key legislation stalls
WASHINGTON (AP) — A top cryptocurrency campaign organization is unveiling a bipartisan list of House members that it will support in the November midterms, as o
NFL looking into an official cursing at Cardinals tight end Trey McBride
Line judge Jeff Seeman was caught on camera cursing at McBride, which drew the ire of union leader JC Tretter
Why the creative brain feeds on movement
Movement and creativity go hand in hand. Scientists are working to discover why
'Sabores of South Philly' offers personal look inside Latino-owned businesses of AEM
'Sabores of South Philly' is a marketing campaign launched this year by the Association of Mexican Business Owners, or AEM. The networking organization has over 70 members who are all entrepreneurs of Latino descent who own businesses throughout the city.
The Science Behind Female-Specific Firefighting PPE
Camilla Callesen, chief designer at VIKING Fire & Rescue, and retired firefighter Kendall Taylor discuss the research, engineering, and field testing behind the VIKING VALKYRIE.
DCCC Jumps Into PA-01 Contest With Coordinated TV Ad For Harvie
How important is the 1st Congressional District race between Rep. Brian Fitzpatrick and Bucks County commissioner Bob Harvie to Democrats? For the first time in six years, the Democratic Congressional Campaign Committee (DCCC) is making an investment in PA-01 with a coordinated TV ad for the Harvie campaign. Entitled "A…
Colorado influencers cash in on campaign season
Paid political messaging is increasingly showing up in Colorado social media feeds, sometimes without voters knowing who paid for it.
Cambridge and London Life Sciences Showcase returns during JPM Healthcare Week 2027
o2h co-discovery has announced that the Cambridge × London Life Sciences Showcase will return for its second edition during J.P. Morgan Healthcare Week 2027 in San Francisco.
Democrats release midterms ad featuring family of Epstein victim Virginia Giuffre
The campaign arm working to elect House Democrats released a political advertisement on Monday featuring the family of Virginia Giuffre, who was the first victim of Jeffrey Epstein to go public with allegations of abuse.
2026 HCD Conference + Expo Preview: Designing Community-based Public Health Campuses
Explore design and planning strategies for public health facilities ahead of the 2026 Healthcare Design Conference in New Orleans.
Dan Campbell refuses to talk about Kelvin Sheppard’s job security
Detroit Lions coach Dan Campbell wouldn’t discuss DC Kelvin Sheppard’s job security after another defensive meltdown.
Should you be ‘poop maxxing,’ or ‘fiber maxxing’? Experts explain what’s healthy
Your feces can tell you a lot about your health
Florida commissioner’s social media on science standards aims for attention
The big story: When Henry Mack III became Florida’s education commissioner in the summer, public education advocates expressed high hopes for the positive way he kicked things off with school official...
Jobs in health care. Jobs for women. The US labour market is segmenting. Chernobyl’s radiation and Lenin’s love of literature.
Thank you for opening your Chartbook email. Elmer Bischoff, Two Figures at the Seashore, 1957 The only really dynamic job-creator in the US economy is health care: The largest crunch has come in Federal government, which has shed 2.7 m jobs. Source: tchouvkov on Twitter Tech is struggling. [ Joey Politano 🏳️🌈@JosephPolitano The US tech sector continues bleeding jobs in official data released today—overall, employment decreased by 17k last month and is down 69k over the last year That's nearly as bad as the worst of the 2024 tech-cession, and much worse than the 2022 boom or even pre-2020 norms 12:42 PM · Oct 2, 2026 · 15.2K Views 15 Replies · 47 Reposts · 390 Likes ](https://x.com/JosephPolitano/status/2106001807847940232?s=20) The new jobs are all for women. [ Justin Wolfers@JustinWolfers I'm not sure who saw this coming, but so far nearly all the jobs created during the second Trump administration have gone to women. 1:09 PM · Oct 2, 2026 · 33K Views 70 Replies · 146 Reposts · 644 Likes ](https://x.com/JustinWolfers/status/2106008723533533601?s=20) Meanwhile, real wages are being eaten up by modest over-target inflation. [ Heather Long@byHeatherLong The financial pain is real: Wage growth fell to 3% (y/y) in September. That's the lowest in 5 years. Wage growth: 3% Inflation: ~3.4% Inflation has eaten up all wage gains for the average worker since April. Many people are having to make hard choices about what to buy and what … 1:24 PM · Oct 2, 2026 · 37K Views 24 Replies · 275 Reposts · 533 Likes ](https://x.com/byHeatherLong/status/2106012367712620728?s=20) HEY READERS, THANK YOU for opening the Chartbook email. I hope it brightens your day. I enjoy putting out the newsletter, but tbh, what keeps this flow going is the generosity of those readers who clicked the subscription button. If you are persuaded to click, please consider the annual subscription of $60. It is both better value for you and a much better deal for me, as it involves only one credit card charge. Why feed the payments companies if we don’t have to. Subscribe Elmer Bischoff, Bathers, 1960 Americans are disillusioned with higher ed. For contributing subscribers only. Subscribe Where the Chernobyl radiation went. h/t Simon Kuestenmacher aka simongerman600 How Lenin’s love of literature shaped the Russian Revolution - Tariq Ali This, then, was the intellectual atmosphere in which Lenin came of age. His father, a highly cultured conservative, was the chief inspector of schools in his region and much respected as an educationalist. At home, Shakespeare, Goethe and Pushkin, among others, were read aloud on Sunday afternoons. It was impossible for the Ulyanov family – “Lenin” was a pseudonym adopted to outwit the tsarist secret police – to escape high culture. At high school, Lenin fell in love with Latin. His headteacher had high hopes that he might become a philologist and Latin scholar. History willed otherwise, but Lenin’s passion for Latin, and taste for the classics, never left him. He read Virgil, Ovid, Horace and Juvenal in the original, as well as Roman senatorial orations. He devoured Goethe during his two decades in exile, reading and rereading Faust many times. Lenin put his knowledge of the classics to good use in the time leading up to the October revolution of 1917. In April of that year, he broke with Russian social-democratic orthodoxy and, in a set of radical theses, called for a socialist revolution in Russia. A number of his own close comrades denounced him. In a sharp riposte, Lenin quoted Mephistopheles from Goethe’s masterwork: “Theory, my friend, is grey, but green is the eternal tree of life.” Source: The Guardian Elmer Bischoff, The River, 1953 If you’ve scrolled this far, you know you want to click: Subscribe
Dan Campbell: I'm not talking about firing Kelvin Sheppard
The Lions defense was unimpressive in the first three weeks of the 2026 season and things didn't get any better in Sunday night's loss to the Panthers.
Data centers become a new political battleground in Tennessee
As opposition grows, AI companies are spending heavily on campaigns and lobbying as data centers reshape Tennessee politics.
Data centers become a new political battleground in Tennessee
As opposition grows, AI companies are spending heavily on campaigns and lobbying as data centers reshape Tennessee politics.
In rural Wisconsin, politics is still about meeting voters. Online, it’s getting weird.
Rebecca Cooke is taking her campaign directly to rural Wisconsin communities, all while an AI-fueled online fight with her Republican opponent adds a distinctly 2026 twist to the race.
An El Niño–fueled ocean wave could raise California flood risks as Florida’s vaccine debate sparks outbreak concerns
An El Niño–driven ocean surge threatens coastal flooding, researchers warn that a plan to loosen vaccine requirements will increase measles risks in Florida, and experts debunk a viral TikTok cold remedy
BridgeBio taps Hip Hop Public Health and others up to put a new beat on ATTR-CM awareness
Attruby maker BridgeBio is re-upping its “Don’t Pass on Your Heart Health” campaign with a fresh new beat. | BridgeBio's YouTube awareness push to lead up to World Amyloidosis Day features a conversation with Hip Hop Public Health's Doug E. Fresh and more.
Commentary: What I learned from reading over 200 Alabama political campaign sites
Amid the posed photos, posturing and ceaseless quests for the center, at least five trends in state elections emerged.
I spent $500 learning to resell. Soon I had a $25K sales month.
Ethan Alexander started reselling Walmart products on Amazon as a teenager. His family's garage soon became a makeshift warehouse.
2026 Nobel Prize in Physiology or Medicine awarded to Karl Deisseroth, Georg Nagel and Peter Hegemann for work on optogenetics
Karl Deisseroth, Georg Nagel and Peter Hegemann developed optogenetics, which uses light and genetics to control individual cells
This Kenner 'beach' thrives on volleyball, cold beer, decades of camaraderie: 'We're still here'
If it weren’t for the glowing lights of Planet Fitness and Treasure Chest Casino at the strip mall a few feet away, you could almost forget this beach is in the middle of a parking lot in Kenner. Here’s why locals drive from New Orleans and beyond each week to hang out, play ball or drink a few cold ones.
jamie-davis-louisiana-democrat-us-senate-race
Jamie Davis is campaigning to become something Louisiana has not seen in more than 100 years: a farmer in the U.S. Senate.
MO nonprofit launches campaign focused on abortion options before vote
A new campaign helps Missourians navigate abortion access and medication options ahead of the November vote on Amendment 3.
Today’s Papers – Triple Italy challenge, Roma lead Endrick race
La Gazzetta dello SportLet’s not stop anymoreWin (and confirm ourselves) to look for the quarter-finals. Mancini with Scamacca: ‘Let’s end well.’The last conflictBuonfiglio case: His son works...
A week of politics, preaching and personalities
Students at UW-Whitewater know what they’ll see as they walk across campus. A couple oversized squirrels in the grass, students shuffling from classes and, if you’re lucky, a few spaced out tables handing out fun prizes. But for students, the week of Sept. 28 looked a little different. As the 2026 Wisconsin governor’s race continues...
Miami Marlins Hitting Core Emerges After Strong Season
Hit king Otto Lopez and defensive powerhouse Joe Mack lead a surging youth movement, signaling a turning point for the franchise following a productive 80-win campaign.
Trump heads to Nebraska on Monday, where his plan to import more beef has angered ranchers
President Donald Trump is campaigning in Nebraska on Monday alongside GOP Sen. Pete Ricketts.
Trump heads to Nebraska on Monday, where his plan to import more beef has angered ranchers
President Donald Trump is campaigning in Nebraska on Monday alongside GOP Sen. Pete Ricketts | News-Talk 1380 WAOK
Chiefs HC Andy Reid provides Rashee Rice injury update
The Kansas City Chiefs got a hard fought 30-27 victory over the Las Vegas Raiders on Sunday.However, it came at a cost with a pair of wide receiver injuries. Late in the game, Tyquan Thornton sustained a gruesome ankle injury in which he had to be carted off the field for. On the opening drive, […] The post Chiefs HC Andy Reid provides Rashee Rice injury update appeared first on HEAVY.
MH WellFest Cambodia 2026 Marks a New Chapter in ASEAN Healthcare Connectivity
Maybank (Cambodia) Plc. and the Malaysia Healthcare Travel Council (MHTC) have concluded MH WellFest Cambodia 2026 at Borey Peng Huoth Eco Park in Phnom Penh. With Peng Huoth as venue partner, the two-day event brought together Cambodian families, 14 participating Malaysian hospitals, healthcare specialists and ecosystem partners. Endorsed by the Embassy of Malaysia in Phnom Penh, MH WellFest Cambodia 2026 welcomed around 2,000 visitors and almost 800 runners.
Easing constipation: A 20-minute walk can get your gut moving almost immediately
Researchers found that just 20 minutes of comfortable walking can rapidly stimulate the gut. Within one to two minutes after exercise, bowel sounds became stronger, more frequent, and lasted longer, suggesting increased intestinal movement. The boost was brief, fading within a few minutes, but it may help explain why walking can provide relief from constipation.
A student guide to mental health resources on campus
Recognition of someone struggling is only the first step of prevention. Whether a student is experiencing a crisis themselves or knows someone who is, Auburn's mental health resources offer several means of support. College is a transitional time in life, and seeking help during those struggles, no matter how big or small, can make a significant impact.
Countries race to provide oral health care for all in 100-Day Sprint across Asia
Twenty Asian countries and areas across the WHO Western Pacific and South-East Asia regions vowed to strengthen essential oral health benefits as part of a “100-Day Sprint” initiative, during the 16th Asian Chief Dental Officers Meeting held from 27 to 29 September in Kota Kinabalu, Malaysia. The meeting marked the midpoint of the 100-day sprint bolstering support for countries to develop essential oral health benefit packages that can be integrated into national universal health coverage plans. Convened by the two WHO regional offices and the Malaysian Ministry of Health as the Secretariat, the meeting brought together national oral health leaders from 20 Asian countries, staff from all levels of WHO, WHO collaborating centres and other development partners. Participating countries and areas included: Bangladesh, Bhutan, Brunei Darussalam, Cambodia, China, Hong Kong (SAR) China, India, Indonesia, Japan, Lao People’s Democratic Republic, Malaysia, Maldives, Mongolia, Nepal, the Philippines, Singapore, Sri Lanka, Thailand, Timor-Leste and Viet Nam. Participants reviewed progress and refined proposals using the WHO Service Package Delivery and Implementation (SPDI) Platform. Countries conducted bottleneck analyses across four key areas: service delivery, workforce, access to essential medicines and health products, and health financing. They identified practical actions to address implementation challenges and refined proposed revisions to their national oral health benefit packages. “There is no health without oral health. Through the 100-Day Sprint, countries are advancing the implementation of the Western Pacific regional implementation plan on oral health and strengthening progress towards universal health coverage,” noted WHO Regional Director for the Western Pacific Dr Saia Ma'u Piukala. Participants identified bottlenecks and proposed workable solutions to strengthen access to essential oral health care through primary health care, sharing experiences and discussing how best to translate policy commitments into feasible and sustainable action at the country level. Malaysian Minister of Health Datuk Seri Dr Dzulkefly Ahmad highlighted the importance of prevention and primary health-care approaches to improve oral health: “Oral diseases can have lifelong consequences, yet many are preventable. By integrating essential oral health care into primary health care and promoting prevention in schools and communities, we can improve oral health across the life course.”The WHO team led by Dr Huong Tran, Director of the Division of Health Promotion, Disease Prevention and Control of the WHO Western Pacific Region and national oral health leads from over 20 Asian countries visited the SK Pekan Putatan School, Sabah for school oral health programme including flouride mouth rinsing. © WHO / V. ChaudharyDr Huong Tran, Director of the Division of Health Promotion, Disease Prevention and Control for the WHO Western Pacific Region, emphasized key collaborative roles WHO can play. “Oral diseases are the most common noncommunicable diseases, yet many can be prevented and treated through essential oral health services delivered at the primary health-care level,” she said. “By sharing experiences and using WHO tools such as the SPDI Platform, countries are accelerating progress towards universal health coverage for oral health.” “Integrating oral health into broader health services is essential for reducing inequities, expanding access and recognizing oral health as an integral component of overall health and well-being. The 100-Day Sprint provides an important opportunity to translate this commitment into practical action and ensure that quality oral health services reach all people, especially those most in need,” said Dr Suman Rijal, Director of the WHO South-East Asia regional Department of Healthier Populations and Noncommunicable Diseases. As host of the meeting, Malaysia showcased ongoing efforts to strengthen oral health care through primary health care and prevention-focused approaches, while providing a platform for countries across the two WHO regions to exchange experiences and accelerate progress towards universal health coverage for oral health. “WHO is encouraged by Malaysia's leadership in addressing the burden of oral diseases and advancing universal health coverage for oral health through practical, country-led action,” said Dr Rabi Abeyasinghe, WHO Representative to Malaysia, Brunei Darussalam and Singapore. Countries will continue to refine and figure costs for national oral health benefits during the remaining sessions of the 100 days. These efforts support implementation of the WHO Global strategy and action plan on oral health 2023–2030, while also helping to expand access to essential oral health services through stronger and more equitable health systems across the WHO Western Pacific and South-East Asia regions.______________For more information, or to arrange media interviews, contact: WHO Regional Office for the Western Pacific: wprocom@who.int WHO Regional Office for South-East Asia: SEMediaRelations@who.int
This mysterious hole on the Moon may open into a giant cave
NASA has selected the GIMLI project to investigate whether the Marius Hill Pit opens into a vast underground cave or lava tube. Using radar, seismic sensors, gravity measurements, and cameras, researchers will search beneath the lunar surface and estimate the size of any hidden void. Such caves could preserve clues to the Moon’s volcanic history and potentially provide protected shelters for future astronauts.
Mental health matters: here are campus resources available for students
The first full week of October recognizes Mental Illness Awareness Week, which is from Oct. 4 to Oct. 10. With students back on campus for the fall term, Wayne State
Rabid bat that came into contact with child found in Yuba City
Animal services collected the bat and sent it to the Sacramento County Public Health Lab, where testing confirmed it had rabies.
Magic's Jevon Carter Praises Team Chemistry, Work Ethic
Orlando Magic guard Jevon Carter had a lot of good things to say about the team following the fifth day of training camp.
Cam Skattebo works hard for 58 yards
New York Giants running back Cam Skattebo rushed 18 times for 58 yards in Week 4
At Trump’s Rallies, a Familiar Mix of Rituals and a Plea to ‘Please Pretend’
President Trump is doggedly lending his support to Republican candidates facing a rough midterm season. He is the same campaigner he has always been, but his crowds have changed.
Portugal move into Nations League knockout stage, Germany held
Portugal became the first team to reach the quarter-finals of the Nations League when they beat Norway 2-1 on Sunday, but Jurgen Klopp's Germany were frustrated by Greece.
What’s your music consumption medium of choice?
Are you streaming only? Have you dug out your old iPod? Have a massive vinyl collection? I want to know which music formats you listen to most and why. I’ve been buying more on Bandcamp, ripped all my CDs, and started carrying around an iPod again. But I haven’t been able to ditch streaming completely.
Ace Combat 8: Wings Of Theve Smashes Series Steam Record With Over 52,000 Concurrent Players
Ace Combat 8: Wings of Theve is off to the series' best PC launch by a wide margin. The game came out on October 2 and peaked at over 52,000 concurrent Steam players a day later, according to SteamDB. That is nearly four times the 13,758 that Ace Combat 7: Skies Unknown managed in 2019, while...
Carnell Tate's Breakout Overshadowed by Offensive Woes in Titans Loss
While Carnell Tate neared a career milestone, Cam Ward’s turnovers and a costly fumble stalled Tennessee’s momentum, gifting Derrick Henry a triumphant revenge game in Baltimore.
RB Cam Skattebo: 'We came out here and handled business'
Running back Cam Skattebo addresses the media following the Giants' Week 4 win over the Arizona Cardinals.
James campaign scrubs some online elements of Trump support
Images of President Donald Trump were prominent on the campaign pages of Michigan Republican gubernatorial candidate John James before the Aug. 4 primary election, but afterward some of them have
How Kansas Suddenly Became a Battleground State for Senate Control
The state hasn’t elected a Democrat to the Senate in nearly a century. Economic challenges during President Trump’s second term, as well as other factors, have put it in play.
Bayern join Real Madrid and Arsenal in monitoring Kenan Yildiz
FC Bayern Munich are apparently keeping a close eye on former Campus academy product in Kenan Yildiz of Juventus.According to the Corriere dello Sport, the record champions are closely monitoring the ...
Science Education Takes the Main Stage at the Fairgrounds Event
The October 10th Celebrate Science event will feature hands-on STEM activities and exhibits. Rick Crosslin, a lifelong STEM educator and scientist in residence for the Wayne Township School System, says he became especially involved in science education in central Indiana after seeing how much interest there was among both students and teachers throughout his career. […]
Election office says there’s enough evidence to investigate Weiser
The Colorado Secretary of State's Office says there's enough evidence to warrant an investigation into Attorney General Phil Weiser's compliance with campaign finance laws.
Sony Digital Camera Model Numbers Explained: Bigger Isn't Always Better
Everything you need to know about Sony's alphanumeric naming schemes.
Wu wins first title since Crucible at Shenzhen Open
Wu Yize claims his first ranking title since he became world champion - a result that means China will have the top two players in the rankings for the first time.
Campbell County health and food inspections (9/25/26–10/1/26)
GILLETTE, Wyo. — The Consumer Health Services Division of the Wyoming Department of Agriculture conducts inspections of retail food establishments throughout Wyoming (where there is not a local health department that does inspections) to help ensure safety of Wyoming residents. Campbell County establishments are inspected at least once a year by the WDA. All of […]
Luzerne County Arts & Entertainment Hall of Fame welcomes new members
The Luzerne County Arts & Entertainment Hall of Fame welcomed its newest class during a ceremony on Oct. 3 at the Kirby Center for the Creative Arts on the campus of Wyoming Seminary.
Yankees need Cam Schlittler to steal Game 2 in Tampa
Cam Schlittler does not need a motivational speech about Tropicana Field. The last time the Yankees sent him there, on […]
Three Takeaways From Brewers NLDS Game 1 Win vs. Padres
Milwaukee overcame offensive rust and a controversial officiating call behind clutch home runs and a dominant, scoreless bullpen performance to stifle the Padres in a tense opener.
Wildlife camera in Guatemala captures a once-in-a-decade snapshot
The recent photographs confirm that jaguars are still traveling along an important wildlife corridor.
Novak Djokovic Stuns Alexander Zverev to Reach Beijing Open Semifinals
In one of his best performances this year, Novak Djokovic is once again in the semifinals at the Beijing Open after overcoming World No. 2 Alexander Zverev in a tight three-set match 4-6 6-4 6-4. The Serbian, now 32-0 at the tournament, came from a set down to secure his joint-best win of the season …
Claim that Anaheim mayor called staffer 'dirty Mexican' is old hat in O.C. politics
Your morning catch-up: Orange County’s long anti-Mexican political history, speed cameras coming to L.A. and more big stories
Samsung Galaxy S27 Ultra: (Slightly) faster charging and potentially fewer camera artifacts
While industry insiders are currently focused on the starting mass production of some Galaxy S27 series components like the Exynos 2700, leakers are sharing more details about battery and camera improvements that could matter to end users.
Trump holds Ohio midterm rally, urging voters to consider him on the ballot during 32-day campaign tour
President Trump rallied in Ohio as part of a 32-day midterm campaign tour, pushing GOP candidates in a Senate race that could shift control of Congress.
How Americans’ Financial Health Is Faring In The “K-Shaped” Economy
Hey all, Jason here. Money20/20 is still two weeks away, but I’ve already started packing (not procrastinating for once!). My calendar is already filling up with various sessions I want to catch, meetings, and of course happy hours, dinners, and other side events. If you’ll be in Vegas and want to catch up, let me know by replying to this email, and we can try to find a time amidst the chaos of the Venetian. A big if not totally unexpected piece of news dropped on Friday: the Independent Community Bankers of America, a trade group that represents smaller U.S. banks, filed a lawsuit against the OCC and Comptroller Jonathan Gould, arguing that the regulator’s move to grant trust bank charters to firms seeking to use them to conduct substantial non-fiduciary activities exceeds the authorities granted to the OCC by Congress. I haven’t had time to fully digest the legal filing or speak to folks in my network about it, but you can expect to see coverage and analysis on it in next week’s newsletter. Subscribe or Support by Upgrading The NerdCon agenda just dropped. It’s stacked. Partner content: Nubank built an AI-first bank. Chime built its own banking core. Figure and Valon are rebuilding the mortgage stack. At NerdCon, you’ll hear from the people behind those bets: what they chose, what they learned, and what they’re still figuring out. The agenda is live, with leaders from Nubank, Chime, OpenAI, Remitly, Mercury, Figure, Valon and more. Follow the mainstage conversations, bring the problem your team is wrestling with to a hands-on workshop, or pull up a chair at a roundtable. Pick your quests. Meet us in San Diego, November 18–20. Fintech Business Weekly readers save 20% with code FBW20. Explore the Agenda Things To Know & Other Good Reads Federal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements (Federal Reserve Board of Governors) FDIC Announces Conclusion of Independent Monitorship (FDIC) Modernizing Financial Regulation: Initial Observations from eSLR (Fed Vice Chair for Supervision Michelle Bowman) The Data Version of Godzilla versus Kong: FRED Takes on AI (Fed Governor Christopher Waller) Financing the AI buildout (Brookings) Q3’26: Rules for Banks but Not for Crypto (Fintech Takes Banking) The Inevitability of Local Stablecoins (Lombard Notes) Delusions of AI Governance: The Human-in-the-Loop Comfort Blanket (Fintech Snark Tank) Stripe agrees to acquire Parafin to expand revenue opportunities for platforms and help small businesses grow (Stripe) Listen: Fighting Fraud in the Age of AI, with SEON’s Tamas Kadar (Fintech Business Weekly) How Americans’ Financial Health Is Faring In The “K-Shaped” Economy If there is one overarching theme across the economy and politics in the U.S. at the moment, it’s “affordability.” The term is vague enough to encompass a panoply of factors shaping Americans’ day-to-day lives: rising costs for the hallmarks of being “middle class,” including healthcare, housing, childcare, and education, inflation and rising interest rates, and a job market with the specter of AI hovering over it. At the same time, policy shifts under the Trump administration have resulted in reduced subsidies to those who get health insurance under the Affordable Care Act and new restrictions on qualifying for Medicaid and SNAP, the impacts of which have yet to be fully felt. These factors are contributing to declining consumer confidence and general dissatisfaction with the economy, despite continuing GDP growth and stock market records. This divergence is encapsulated in the idea of the “K-shaped” economy, in which a small proportion of Americans have seen their wealth balloon, while the majority of American households struggle to preserve the lifestyle they have. Perhaps the greatest determinant of which branch of the “K” a household is on is whether their wealth and income are primarily derived from employment vs. from assets. Nearly two decades of low interest rates and, more recently, elevated rates of inflation have benefited asset owners, while those whose income is primarily or solely derived from labor have largely seen real purchasing power stagnate or decline. This is reflected in recent Bureau of Labor Statistics data showing that labor share of U.S. GDP — the fraction of economic output that accrues to workers as compensation in exchange for their labor — dropped to just 52.8% in Q2 2026, the lowest since the BLS began keeping records. In 1947, approximately 2/3rds of economic output accrued to workers; even as recently as 2001, labor’s share of GDP was 64.1%. Against this backdrop, we’ve seen the rise of more credit and credit-like products: cash advance apps, “no-fee” overdraft, earned wage access, and buy now pay later, which are often used as small-dollar short-term borrowing mechanisms to meet immediate consumption needs or pay other bills (eg utilities, cell phone, other debt payments). With the markers of a middle class existence and, increasingly, basic financial stability seemingly out of reach for many, it should be no surprise there’s been an increase in “financial nihilism,” something industry peers like Alex Johnson and Frank Rotman have discussed and analyzed the roots of. The explosion of gambling and gambling-adjacent products and services — often marketed under the guise of being an “investment” — is inextricably intertwined with the rise of financial nihilism. Crypto, sports betting, and, more recently, prediction markets offer an escape or even hope of sorts, like a contemporary, digital version of a scratch-off lottery ticket, while leaving the overwhelming number of people who use such products worse off. Share of Households That Are Financially “Vulnerable” Ticks Up The Financial Health Network’s 2026 Financial Health Pulse® report adds context on how American households are faring. (I linked to this report in last week’s newsletter, but wanted to take time to further unpack the data in the report this week.) The Financial Health Network publishes the report annually, providing insight into how Americans’ financial circumstances are changing over time. The 2026 report is derived from a survey fielded in April and May 2026. The report leverages survey responses to assess indicators of financial health across spending, saving, borrowing, and planning/protecting and to determine a zero to 100 “FinHealth” score. Those with scores between 0 and 39 are considered “Financially Vulnerable,” consumers with scores ranging between 40 and 79 are defined as “Financially Coping,” and those with scores of 80 to 100 are “Financially Healthy.” The report found that moderate improvements in 2025 were reversed, with the share of respondents considered financially “vulnerable” rebounding to 17%. The longitudinal data reflect the impact of pandemic-era programs, like expanded unemployment, cash stimulus payments, and pauses of federal student loan payments. The positive impacts of those programs, as reflected in the Financial Health Pulse reports, had largely disappeared by 2023. While pandemic-era inflation — to be fair, in part caused by the various support and stimulus measures — had come down from as high as 9% in 2022, it has rebounded since the start of Trump’s second term, with tariffs and energy market disruptions owing to the war in Iran pushing prices back up. Specific indicators in the survey that deteriorated from 2025 to 2026 include the share of respondents spending less than their income over the past 12 months, the share paying all bills on time over the past 12 months, the share that have a manageable amount or no debt, the share that are “moderately” or “very” confident their insurance is adequate to cover them in an emergency, and the share that “somewhat” or “strongly” agree that their household plans ahead financially. Unsurprisingly, lower- and moderate-income households are more likely to struggle to pay their bills on time and have any funds leftover to save. The share of low-income households whose income exceeded their spending dropped from 35% in 2025 to 31% in 2026, while the share of upper-income households whose income exceeded expenses remained unchanged at 63%. Households with student loans or revolving credit card debt reported having “a bit more” or “far more” debt than was manageable at rates far higher than those not carrying these types of debts. The share of those with student loan debt indicating their debt load was too high to manage increased from 50% in 2025 to 55% in 2026, while the share of those with revolving credit card debt saying the same ticked up from 51% in 2025 to 54% in 2026. Households that had student loans were markedly more likely to be financially “coping” or “vulnerable” vs. those without student loans. In 2026, 27% of households with student loans were considered financially vulnerable, a jump of 6% points vs. 2025. Households without student loans saw just a 1% point increase (not statistically significant) in those considered financially vulnerable. Households’ perception of the affordability of categories of goods and services paints a stark picture, with less than one-fourth considering higher education affordable, about a third deeming childcare affordable, and less than half viewing healthcare as affordable. Fintech Business Weekly is made possible by the generous support of paying subscribers — bringing you independent analysis of banking, fintech, and crypto without fear or favor. You can support my work by becoming a paying subscriber if you aren’t already. Paying subscribers enjoy: access to the entire archive of nearly six years of newsletters extended versions of the weekly newsletter, with additional content and analysis and (for founding member tier) quarterly personal 1:1 fintech Q&A / strategy calls with me, tapping into my unparalleled knowledge of the intersection of banking and fintech and experience working in the sector, including helping to launch Goldman Sachs’ retail bank Marcus Support Fintech Business Weekly You can also support Fintech Business Weekly by sponsoring a newsletter or podcast, putting you in front of 93,000+ of the most influential decision makers in banking, fintech, and crypto. Learn more about sponsor opportunities or request a media kit by dropping me an email. Democratic Senate Report Highlights How Iran Uses Tether to Evade U.S. Sanctions Iran uses stablecoins, specifically Tether, to evade sanctions, fund regional proxies, and to purchase military drones, a report released last week by the Senate Permanent Subcommittee on Investigations says. The report was authored by committee ranking member Senator Richard Blumenthal (D-CT) and the minority staff. Crypto and stablecoin proponents will often push back on criticism that criminals make use of these assets by arguing that, on an absolute dollar basis, far more illicit funds flow through traditional banking systems and payment rails than via crypto and stablecoins. And while that is likely true, it elides the reality presented in news story after news story: whether state actors — Russia, Iran, North Korea — or criminal groups, those looking to engage in illicit transactions increasingly favor stablecoins and, specifically, Tether (USDT). The report from the Senate Permanent Subcommittee on Investigations released last week adds context to how Iran uses Tether has a lynchpin in its shadow banking system. The report analyzed 846 wallets that have been sanctioned or targeted for seizure, finding that 84% of them transacted exclusively or primarily in Tether. The ability to create near limitless, anonymous wallets and to move funds effectively instantaneously and irreversibly have made crypto a favored financial mechanism for bad actors. Stablecoins solved key drawbacks of bitcoin, namely, the original cryptocurrency’s highly volatile value in dollars. And while Tether (the company) has the technical ability to “freeze” or destroy funds, the company is often limited and reactive in its approach to doing so, the Senate report argues. Tether, which is nominally based in crypto-friendly El Salvador, “has stated that its compliance with OFAC sanctions is ‘voluntary’ and that it follows ‘OFAC guidelines,’” the Senate report says. Owing to these favorable attributes, Tether “became a primary cryptocurrency for Iran, Hamas, Hizballah, and the Houthis beginning in 2023 and has expanded in scale since,” according to the report. Tether’s role in Iran’s shadow banking system, the report says, is enhanced by crypto exchanges like Bybit, Kyrrex, OKX, Gate, and Binance, and through “over the counter” exchanges and hawala networks. The consequences of these financial flows aren’t hypothetical. The Senate report links Tether as a funds transfer mechanism to Iranian proxies in the region, including Hizballah, the Houthis, and Hamas. Tether has also been used to make payments to secure components necessary to manufacture drones, the report says. The report concludes by arguing that “[s]tablecoin issuers with a significant nexus to the United States, particularly those that offer dollar-denominated stablecoins, should be subject to American sanctions law rather than being allowed to hide behind foreign jurisdictions.” Stablecoin issuers like Tether must be held accountable for repeated failures to prevent illicit finance and sanctions violations by law enforcement, the Department of Justice, the Securities and Exchange Commission, and OFAC, the report argues. [Paying Subscriber Exclusive] OUSD Goes Live, Make Your Own Neobank, U.S. Sanctions Russia’s A7 Network As “Transnational Criminal Organization” OpenUSD, the stablecoin issued by the Open Standard consortium that includes Stripe, Visa, Mastercard, core providers, crypto firms, and numerous banks, went live last week. Social commerce platform Whop raised eyebrows in fintech by offering creators on its platform the ability to launch their own neobanks, which the company describes as “great businesses that are easy to run,” in just 15 minutes. And OFAC and FinCEN target Russia’s “shadow banking” A7 Network — more on these stories after the paywall.
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Hakan
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SDSU posts complete road win at Illinois State
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