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Five-star Small Forward Discusses Duke, Recruitment
A five-star small forward discusses the Duke Blue Devils and where his recruitment is at right now.
5 Biggest Surprises on Detroit Lions 53-Man Roster
The Detroit Lions’ initial 53-man roster included several unexpected decisions. Here are the five biggest surprises from cutdown day.
Patriots Cut Unlikely Training Camp Interception Leader After Roster Shakeup
John Saunders Jr. led the Patriots with five training camp interceptions, but a late trade helped push the promising safety off New England’s initial roster.
6 Eagles rookies who made the initial 53-man roster
Five Eagles draft picks and one undrafted rookie earned positions on Philadelphia’s initial 53-man roster.
Contra Costa Health facing $730M deficit over next five years
Contra Costa County's health department is staring at a deficit of $730 million over the next five years because of federal and state funding cuts, county health officials said at last week's Board of Supervisors meeting.
Wisconsin High School Football Rankings: Top 25 Teams
The top five high school football teams in the state of Wisconsin remain unchanged — according to the Massey Ratings — following the second week of the 2026 season. Sixteen of the top 25 teams in the state remain unbeaten. Both No. 3 Bay Port and No. 5 West De Pere held serve with important […]
Yankees Sign Former Top Five Prospect
The New York Yankees have signed Jarred Kelenic to a minor league deal
Why the United States Can’t Quit Its Wars
The country’s longest war came to an end exactly five years ago. Today it offers lessons for policymakers seeking to avoid an endless war in Iran.
College sports kicks off its season under the long shadow of court fights over eligibility
Threats and lawsuits have rocked college sports for weeks. The NCAA's new five-year eligibility rule has led to lawsuits, with all major conferences barring players from returning after turning pro.
Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices
Hey all, Jason here. When this hits your inbox, I should be en route to the airport — not to go anywhere myself, just to pick up my better half. I must admit, it’s been strange to be home alone (well, with two dogs) for two weeks! Really lets me “optimize” to spending more time on reading/writing/working, whether that’s healthy or not! Looking forward to getting back into a (somewhat) more balance routine. Subscribe or Support by Upgrading Compare Notes With the People Who Built Modern Fintech Partner content: Remitly CEO Sebastian Gunningham. Increase founder Darragh Buckley. Linda Du, Co-founder & President at Valon. They’ll unpack the decisions behind building and scaling major financial products: what they got right, what broke, what they would do differently, and how AI and new infrastructure are changing the operator playbook. Most events tell you where fintech is going. NerdCon puts the people who built the present in the room and asks them what comes next. Expect an operator-led conversation grounded in real products, real trade-offs and lessons earned the hard way. Fintech Business Weekly readers save 20% on Regular tickets with code FBW20 before standard pricing ends September 11. Meet the Builders Things To Know & Other Good Reads Advent and Stripe Abandon $50 Billion Pursuit of PayPal (Bloomberg) Trump Family’s New Crypto Bank Is Backed by Abu Dhabi Sheikh (Wall Street Journal) The multiplying risks of financing data centres (FT) Let the Bond Market Speak (Wall Street Journal) Did we waste a crisis? Modest proposals to reform deposit insurance. (Fintech Takes Banking) Untangling Guggenheim: How Private Credit Built Its Own Universe (Net Interest) The Hater’s Guide To Circular Financing — Part One (Ed Zitron) Fiat Ventures Rebrands to FGV Capital, Announces $35M Oversubscribed Fund II (BusinessWire) Socure Announces Strategic Growth Investment at $5.2B Valuation and Acquires Agentic Operations Platform Fravity (Socure) Listen: When Consumer Protection Disclosures Work Too Well (Consumer Finance Monitor Podcast) Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices When Andreessen Horowitz led EarnIn’s $39 million Series B in 2017, Alex Rampell, a partner at the storied venture capital firm, described EarnIn’s small-dollar advance product as “free,” relying on “entirely on voluntary contributions instead of fees.” Rampell favorably compared EarnIn’s approach to typical payday loans, writing, “Payday loans historically have had the potential to be a slippery slope for consumers into financial distress: opaque systems and steep fees that are hard to repay and set individuals back further than where they started. For many Americans living paycheck to paycheck, that kind of slide into debt can be extremely difficult to recover from.” But EarnIn’s product — which, the company says, isn’t a “loan,” legally speaking — ends up being anything but free for most users. While it is technically possible to take a no-fee advance from the company, most users incur “Lightning Speed” (instant funding) fees and/or ostensibly optional tips that combined can equate to annualized percent rates that can reach over 1,000%. With an average term of 9.77 days, even fees and tips that are small on an absolute dollar basis are equivalent to high APRs on an annualized basis. A lawsuit filed last week by Colorado Attorney General Phil Weiser against EarnIn describes the company and its product and business practices quite differently than Andreessen’s Rampell; “EarnIn’s business practices are unfair because they are immoral, unethical, oppressive and unscrupulous,” the complaint, filed in District Court in Denver, Colorado, says. EarnIn’s marquee product, Cash Out, isn’t a loan, the company says, as Cash Out is not “[f]orward [l]ooking” because “[t]he money is transferred based on earnings to date,” does not carry a mandatory fee to access funds, and is “non-recourse,” meaning EarnIn cannot pursue recovery from users who don’t repay advanced funds. EarnIn is sometimes referred to as an “Earned Wage Advance” service. Though, unlike some others in the broader category, EarnIn does not integrate with employers’ payroll or time and attendance systems. Rather, EarnIn attempts to verify a user’s income and employment, by examining direct deposit transaction data in their linked external bank account, by using GPS location and Bluetooth data to estimate a user’s time spent at work, if they work in a fixed location, and/or by having a user provided a work email address. While repayment is theoretically optional, as EarnIn would have no recourse, such as reporting non-payment to the credit bureaus or a collections agency, this is anything but clear to users of the EarnIn app, Colorado’s complaint argues. During the process of taking a Cash Out, users must agree to a preauthorized debit of the amount advanced, plus any expedited funding fee and/or tips. Though users technically can revoke this ACH authorization, the fact that they have this right isn’t presented to users during the Cash Out process, but rather is included in linked terms and conditions few users are likely to actually read. And users who do wish to revoke their ACH authorization must do so three or more days before the scheduled transaction date by emailing EarnIn’s customer support. Similarly, EarnIn’s marketing claims that it carries “no interest” and “no mandatory fees” is technically true, but is not the reality for many of the app’s users, the Colorado complaint argues. Further, EarnIn has extensively marketed to users the ability to “access your pay today,” to get “instant” funds, and to get funds “the same day you work” — when, in reality, this speed of access was only possible by paying the additional, undisclosed Lightning Speed fee. The Colorado complaint highlights this contradiction specifically, noting: EarnIn tells consumers that they can ‘Make any day payday with EarnIn’ and that there no ‘hidden’ or ‘mandatory fees.’ For a consumer to access their pay on the same day requested, they would have to pay the Lightning Speed fee. In the fine print of the advertisement EarnIn discloses that ‘[f]ees apply to use Lightning Speed,’ a direct contradiction to the larger text of the advertisement, and a fact that would not be immediately understood by a consumer as ‘Lightning Speed’ is not defined nor explained. Like other small-dollar lending services, rather than explicitly charge interest, EarnIn collects a markup on the optional Lighting Speed fee, which, given the nature of the transactions, many users opt for, as well as offering users the option to leave “tips.” EarnIn leverages either Real-Time Payments (RTP) rails or push-to-card via debit rails if a user opts for the optional Lightning Speed. But while these capabilities cost EarnIn, on average, $0.075 or $0.20 per transaction, respectively, EarnIn charges users significantly more. Initially, EarnIn charged as little as $1.99 for Cash Outs up to $24. But EarnIn has hiked these fees multiple times, and now charges $4.99 for Cash Outs up to $75 and $6.99 for those over $75. According to the Colorado complaint, EarnIn leverages “dark patterns” to manipulate users and to make it more difficult to avoid tipping. Examples of these “road blocks” highlighted in the complaint include: As of 2023, in the EarnIn app, a consumer attempting to get a loan under the default settings had to make at least eighteen separate taps to complete the transaction and reduce the tip to $0. There is an alternative method to leave a $0 tip, via the “Custom tip” feature, but EarnIn made this option difficult to access by visually deemphasizing it and positioning it near devices’ “home” button. Using language and imagery such as “Tip to pay it forward,” “Your generosity supports the service + helps,” “Your tips make a difference,” and “[t]he APR for this cash out is 0%. Your tips help support us.” While Lightning Speed and tipping are, in theory, both optional, in practice, users nearly always ended up paying something. According to the Colorado suit, users were charged either a tip or an expedite fee for more than 92% of transactions, with an average APR of nearly 388%. And, although the advances are “non-recourse,” EarnIn successfully collects on nearly all transactions — 99.18%, according to the complaint, which, Colorado argues, “demonstrat[es] that EarnIn’s advances function as high cost loans, not voluntary payments.” The share of EarnIn users incurring fees — despite the product being marketed as 0% APR — is hard to reconcile with Andreessen investor Rampell’s favorable description of EarnIn vs. “opaque systems and steep fees” associated with payday loans, which, Rampell says, can be “extremely difficult” for borrowers to extricate themselves from. According to Colorado’s suit, EarnIn’s Cash Out product “trapped many consumers in extreme cycles of high-cost reborrowing.” The suit gives an example of one consumer in the state, who took out a whopping 1,151 loans, paying a total of $4,038.50 in Lightning Speed expedited funding fees on loans that averaged the equivalent of 1,421% APR. Another Colorado user, the suit says, took out 1,033 loans, paying $8,561.22 in tips and fees at an average APR of 1,539% . These types of usage patterns demonstrate “the severe and repeated financial harm caused by EarnIn’s illegal lending model,” the Colorado complaint argues. In aggregate, from January 2023 through July 2025, EarnIn extended 3.1 million loans to 56,778 users in Colorado — an average of nearly 55 transactions per person during the time period. EarnIn lent more than $300 million and collected more than $16 million from Colorado users in Lightning Speed fees and in tips. Ultimately, the Colorado complaint argues that “EarnIn’s Cash Outs are loans under Colorado law, and EarnIn’s contention that its product is not a loan based on its disclaimer of any legal repayment obligation lacks any real-world significance given how the Cash Out transactions actually operate in practice.” Colorado further argues that “EarnIn was not working with companies here in providing consumers with funds but acted as a third-party lender and charged illegally high rates, used deceptive design strategies to extract some charges, and trapped consumers in repeat borrowing. Colorado will continue to stand up for consumers and hold companies accountable when they violate our credit laws or attempt to evade them through misleading practices.” Colorado’s suit alleges EarnIn assesses finance charge in excess of that permitted by Colorado law, that EarnIn failed to make legally required disclosures to Colorado borrowers, that EarnIn made supervised loans to consumers without obtaining the requisite license, that EarnIn violated the state’s Deferred Deposit Loan Act, that EarnIn engage in unfair and deceptive trade practices, and that EarnIn made false or misleading statements concerning price. The suit seeks a court order enjoining EarnIn from violating relevant Colorado laws, for EarnIn to refund amounts charged in excess of state law, fees, costs, and penalties, and other relief the court deems to be just. 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. Q2 Quarterly Banking Profile: Five Quick Takeaways The FDIC released its quarterly banking profile, which is always worth a read, for the second quarter. The profile provides an aggregate snapshot about the overall health of the 4,238 institutions whose deposits are insured by the FDIC, who, collectively, hold more than $26 trillion in assets and saw a total net income of more than $90 billion in the second quarter. Net income was up 12% vs. Q1 2026, with lower provisions and realized gains on securities helping to drive the improvement, somewhat offset by increases in non-interest expense and applicable income taxes. Overall net interest margin was basically flat quarter over quarter (up 1 basis point vs. Q1 2026), though community banks saw NIM grow by 10 basis points, to 3.81%. Unsurprisingly, given that interest rates haven’t changed, unrealized losses on securities changed little, edging up slightly to $326.7 billion vs. $325.1 billion in Q1 2026. Aggregate credit quality has remained benign, with asset quality actually improving slightly in Q2. Overall, institutions reported a 9 basis point decline in their past-due and non-accrual rate, to 1.44%. Net charge off rate also declined by 2 basis points, to 0.57%. And finally, the FDIC’s deposit insurance fund stands at $161.1 billion, making the DIF reserve ratio 1.48% — above the statutory minimum of 1.35%, but still below the designated target reserve ratio of 2%. [Paid Subscriber Exclusive] Nissan Withdraws ILC App, State Associations Plan BankChain Alliance, FDIC Defines “Unsafe or Unsound Practice” For First Time Automaker Nissan withdrew its application to charter a Utah industrial loan company and its corresponding application to the FDIC for deposit insurance last week, on August 19th. Nissan’s application had been outstanding for more than a year, as it originally applied in June 2025. Recent applications to the OCC to form national banks have been decisioned, one way or the other, substantially more quickly than has historically been the case.
College sports kicks off its season under the long shadow of court fights over eligibility
Threats and lawsuits have rocked college sports for weeks. The NCAA's new five-year eligibility rule has led to lawsuits, with all major conferences barring players from returning after turning pro. The Big 12 earlier went to court against Texas Tech over a player who gambled. Courts are heavily ...
Lawsuits and threats: College sports face instability in 2026
Threats and lawsuits have rocked college sports for weeks. The NCAA's new five-year eligibility rule has led to lawsuits, with all major conferences barring players from returning after turning pro.
NASA’s Nancy Grace Roman space telescope launches
During its five-year primary mission, Roman is expected to observe billions of stars and galaxies, 100,000 exoplanets, and more.
Netflix will stream five NFL games this season
Netflix and the NFL have what each other want.
Seven Up: Rays Rally in 7th to Win 7-6
This contest was a series of moments wrapped around a wild seventh inning that saw each team score at least three runs, albeit in different methods. Prior to a 7th inning that was off the rails in the home half, the Rays looked to be mostly in control with an early 2-1 lead through five […]
Fami。- Hakoniwa (Victor Entertainment/JPU Records)
The bassist of Lovebites, Fami returns with a release of her own material for the first time in five years. Given that in the timespan since 2021’s Sotsugyo, she did join Lovebites, it’s not surprisingly that it’s taken a bit of time to get more solo material out there. Given her spotlight in the international […]
900 pounds of produce donated at the Health and Wellness Event
The fifth annual Health and Wellness Event was held in Syracuse o n Saturday. Five different local organizations teamed up to give back to the community. Those
Cunion Frames Its Wearable Health Ecosystem Around Five Health Benefits
San Diego, California--(Newsfile Corp. - August 29, 2026) - Most health technology can overwhelm users with constant notifications and dashboards, eventually causing them to disengage. In response to this challenge, Cunion is building an ecosystem around the premise that the healthiest device is the one that stays quiet until it has something worth saying. From this approach, Cunion identifies five practical health benefits across its wearable ecosystem.To view an enhanced version of this...
Analysis: Encouraging signs for new boss Jaissle
Newcastle fans may well have found themselves in the opposite position to Spurs supporters before the campaign had started - fearful of what was coming. Tonali was one of three key departures from St James' Park, along with captain Bruno Guimaraes, who went to Arsenal for £85m this month, and England winger Anthony Gordon after his £69m move to Barcelona. Manager Eddie Howe left on 31 July after nearly five successful years, which included guiding the Magpies to their first domestic trophy in 70 years with victory in the 2025 Carabao Cup.
New York Mets reinstate slugger Juan Soto from the 10-day injured list
New York Mets slugger Juan Soto was reinstated from the 10-day injured list on Saturday ahead of the team's game against the Houston Astros. The five-time All-Star landed on the injured list last month for the second time this season after imaging revealed a grade 2 strain.
5 things to watch in Bears’ preseason finale vs. Titans
Here are five things to watch in the Bears' preseason finale against the Titans including key position battles and players on the roster bubble.
Johnson County business news: Aug. 29
Our Hospice earns five star patient care quality rating
Keto diet cut liver fat by 67% in a clinical trial
A ketogenic diet outperformed Mediterranean and low-fat diets in several measures of metabolic health during a clinical trial involving people with obesity, prediabetes, and fatty liver disease. All three groups lost about 10% of their body weight, but keto reduced liver fat by 67%, compared with 45% for the other diets. About half of the keto group also no longer qualified as having prediabetes after four to five months.
Tancredo in Running for Dept. of Ed. Position
Forty-five years ago this week: “I know that my name has been placed before the Secretary of Education, and I know that I’m one of three or four being considered for the Department of Education’s Region 8,” said state Rep. Tom Tancredo, R-Arvada. “But that’s all I know for sure.” Tancredo, a former manager of […]
TARAE: The Unbound Gamescom 2026 ‘Gameplay Preview’ trailer
Publisher KRAFTON and developer Boundary have announced released a five-minute gameplay preview trailer for newly announced Eastern fantasy top-down action RPG TARAE: The Unbound, a top-down action…
I've Built Companies in 6 Industries. The Same 5 Patterns Determine Success Every Time.
Industries change, but the problems that determine success repeat — here are the five patterns every entrepreneur should learn to recognize.
Remembering former WCAX sports anchor Shawna Lidsky
Shawna Lidsky, a longtime sports anchor who later founded the Vermont Brownie Company, died Friday morning after battling cancer for more than five years.
Five Science Fiction Movies to Stream Now
This month’s options include an adaptation of an early Stephen King novel, jungle dinosaur battles and atmospheric thrillers.
Augusta Health Celebrates Five Years in Mayo Clinic Care Network
Membership brings leading clinical expertise and resources closer to patients in the community. FISHERSVILLE, VIRGINIA — Augusta Health is celebrating five years as a member of the Mayo Clinic Care Network, a select group of independent healthcare providers with access to Mayo Clinic’s knowledge, expertise, and resources. Through the membership, Augusta Health physicians, advanced practice […]
Oklahoma officials outline progress on Rural Health Transformation Program initiatives
The update comes as Oklahoma prepares to enter the second budget period of a five-year federal funding opportunity meant to transform rural health.
Navy Medicine Advances Operational Health IT for Distributed Maritime Operations
CHESAPEAKE, Va. —Navy Medicine leaders, Fleet representatives, and operational health IT experts convened to accelerate the fielding of medical information capabilities designed to support patient movement, medical logistics and force readiness across distributed maritime operations, August 24-28. Hosted by The Bureau of Medicine and Surgery (BUMED) in Chesapeake, Virginia, the five-day Operational Health Information Technology Fielding Summit served to build upon work that began in 2024 and 2025, to refine Joint Operational Medicine Information Systems (JOMIS) software delivery, implementation, and training.
People are itching to create the Gen Z version of Friends. Here's five reasons it's impossible
The legacy of Friends can be seen in a new wave of US sitcoms about twenty-something pals hitting the small screen. But, unlike the classic show, they're struggling to make a mark.
Rochester to inspect 14,500 homes and business properties
Rochester is launching a five-year property review program. Here is what owners need to know about upcoming inspections.
UFC Shanghai Weigh-Ins Blunder as 3 Fighters Miss Weight
The UFC Shanghai weigh-ins featured a massive blunder as three fighters competing on Saturday’s card missed weight.The UFC travels to SPD Bank Oriental Sports Center for this weekend’s UFC Fight Night card, which features a five-round bantamweight bout between Umar Nurmagomedov and Song Yadong in the headliner.Thankfully, the main event is on, as both Nurmagomedov […] The post UFC Shanghai Weigh-Ins Blunder as 3 Fighters Miss Weight appeared first on HEAVY.
Troops, taxes, war dominate Colorado’s 5th CD debate between Jeff Crank, Jessica Killin
Republican U.S. Rep. Jeff Crank and Democratic challenger Jessica Killin on Thursday night clashed over the war in Iran, the federal budget and healthcare when they took the stage in Colorado Springs for a sold-out debate in the race to represent Colorado’s 5th Congressional District. The debate, which came just over five weeks before general […]
The Literacy Crisis Reaches Dog-Bear Science
“New analysis of more than 300 bear encounters suggests our canine companions often increase odds of conflict and rarely serve as early warning systems many recreationists assume,” reads a subhead in Mountain Journal. The thing is, that study reaches no such conclusion. But you have to read beyond the abstract to understand that. Mountain Journal is not alone. Let’s look at a brief list of takeaways published elsewhere just to establish that none of them seem to know how to read science. Wes Siler’s Newsletter is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe Here’s CBC: “A new peer-reviewed study, The Canine Conundrum: Is a Dog a Help or Hindrance in Bear Country?, dug into conflicts similar to what the video depicts, by analyzing 326 reported human-bear conflicts from 1901 to 2023 involving dogs.” “The study found 54 per cent of conflicts were started by dogs. In the encounters researchers included in the study, five people and 56 dogs were killed, and 170 people were injured.” “Lana Ciarniello, an independent researcher who co-authored the study, said researchers found when a person goes hiking with at least one other person, the odds of a negative bear encounter decrease by 50 per cent.” “However, when a dog is involved, the chances of a negative bear encounter increase because ‘a dog really adds a chaotic factor into the mix of recreation,’ said Ciarniello.” Again, the study finds no data supporting that conclusion. “Hiking with your pet dog may make you feel safer in bear country—but a hiker’s recent encounter and a new study prove that the numbers don’t add up,” writes Backpacker, which is now part of Outside. The numbers don’t add up to support this take. There’s plenty more examples, but all are equally dumb, so I’ll stop there. How did so many people get this so wrong? Three reasons: 1) the study is published behind a paywall, with only the abstract freely available. 2) the methodology sets out to create work relevant to a hyper-specific audience, not the public. And 3) the dataset studied is almost absurdly limited and doesn’t bear (get it?!) comparison to wider information. Let’s work through all three. The Problem is Money I understand the irony, since I’m writing about this on a subscription-model newsletter, but information wants to be free. The study is published by The Wildlife Society and costs $16 to access. Reprinting it is specifically prohibited by the terms of use, so I can only share snippets and my conclusions with you here. Having worked as a journalist for 24 years, I can report with some authority that journalists are both lazy and cheap. I don’t think it’s a stretch to say that much of the material you’re seeing written about this study is drawn from the freely-available abstract (above) only, and not a deep dive into its methodology or data. And that’s a problem, because abstracts are where researchers are able to break from their numbers and editorialize their opinions about conclusions. So what’s getting reported isn’t based on numbers, it’s based on an opinion designed for a specific audience, not the general public. Hell yeah ladies, kick that bear’s ass. The Methodology is Designed to Support a Predetermined Conclusion One of the biggest issues with the science that everyone likes to cite about bear spray’s efficacy is that no one understands that study was designed for a specific audience, looking for a specific answer. And since that audience is not the public, and our safety was not the question being asked, its conclusion is rendered irrelevant to our needs. Yes, I’m talking about Efficacy of Bear Deterrent Spray in Alaska, which was created by Tom Smith and Stephen Herrero, two of the same scientists who put together this dog-bear conflict analysis. In the spray study, the purpose was to present relevant agencies with the information they needed to issue their field workers with bear spray. As such, incidents where people were unable to access the spray or similarly failed to get it deployed in time were excluded from the results, and only incidents they deemed successful were included. Could a ranger roll down their vehicle’s window and scare a bear away from a dumpster by spraying it? Turns out the answer was yes, and that was good enough for the purposes of that study. The sample size of actual bear attacks—the thing you and I would want bear spray to provide a solution to, was too small to draw conclusions from, and didn’t indicate success in that role. Is a Dog a Help or Hindrance in Bear Country? has similar limitations. “Insights provided here are intended to help wildlife managers create effective guidelines regarding the presence of domestic dogs in bear habitat,” is explained clearly by the study’s text. To conduct the study, Smith and Herrero went looking for publicly available reports of dog-bear conflicts: “All incidents included in our analysis involved at least one bear, one dog, and one person who was at immediate risk of injury (e.g., not in a protective structure such as a cabin or vehicle), injured, or killed,” explains the report’s methodology. Why is that a problem? “We recognize that data used in this study are biased in that people generally only report adverse interactions with bears, not benign ones. Consequently, we assume that for the most part, people and their dogs pass through bear country without incident.” As was the problem with the bear spray study, people are drawing conclusions here from a study that was never intended to be relevant to the general public. The Smith-Herrero database famously excludes Alaska’s Defense of Life and Property records, which are elsewhere considered the largest and most authoritative source on human-bear conflict. The Dataset is Absurdly Limited A 2009 study conducted by the Washington Department of Fish & Wildlife estimates that each year there are at least 43,000 documented complaints of human-bear conflict across North America. Is a Dog a Help or Hindrance in Bear Country? Examined those reports for years ranging from 1901 to 2023, and only managed to find 326 such incidents that met the criteria explained above. Let’s do some quick math, poorly. 43,000 incidents x 122 years = 5,246,000 total incidents of documented human-bear conflict. Smith and Herrero were only able to find 326 incidents that met their criteria for dog+human+bear+risk or occurrence of injury. That means there’s a 0.006 percent chance that the study’s conclusion—that dogs make bear encounters more dangerous—even gets a chance of occurring. And remember, that’s only in documented conflicts. There’s no way to know how many people across North America run into a bear in any given year without any conflict, but it’s probably safe to assume that the total number is well in excess of 43,000. And, dig deeper into the study and you can find further restrictions that skew its conclusions even more. “While the people involved in these incidents did not report the level of training their dogs had received, it is our assumption that most were untrained companion dogs as opposed to well-trained bear dogs, such as Karelians and livestock guardian breeds that have proven to be significant aids in bear country,” the study’s methodology explains. And that’s a problem, because an ongoing study here in Montana is finding that the simple presence of a Kangal like our youngest dog Teddy can reduce visits to private property from grizzly bears by 87.8 percent. In addition to being a badass, Teddy is also a companion animal. And in my admittedly limited sample size of the three dogs currently present in our living room, she’s no more effective than her mutt brothers. Plenty of people own a dog capable of deterring bears, even if they didn’t set out to own a bear dog. The real purpose of this study appears to be a recommendation that leashes are mandated and recreationists pursue training in their deterrent of choice. But that doesn’t make for sensational headlines. Are There Any Real Takeaways Here? Let’s throw some numbers around, just to try and get our hands around what the larger picture might look like for bears and dogs here. The American Veterinary Medical Association estimates that 42.6 percent of American households own a dog. The Canadian Animal Health Institute says roughly 35 percent of households in Canuckistan own a dog. In an attempt to create the worst possible result for dogs, let’s run with that 35 percent number. And given that outdoorsy and rural people are more likely to both own a dog, and have bear encounters, let’s just make a giant assumption and apply that number to those 43,000 conflicts documented annually. If 35 percent of 43,000 human-bear encounters involve a dog, then we can assume that at least 15,050 dog-bear conflicts are occurring annually in North America. 15,050 x 122 = 1,836,100. Smith and Herrero were only able to find 326 incidents that met their human, dog, chance or occurrence of injury criteria across 122 years. And only 170 documented human injuries. So, with all the obvious caveats about these numbers in no way describing reality beyond narrow study parameters, what they actually found is that your risk of injury if your dog tangles with a bear is only 0.009 percent. I’ll take those odds next time I’m hiking my dogs in bear country. Top photo: “Superintendent Horace Albright, eating pancakes with bears, at Lake Lodge, Yellowstone National Park.” NPS. A journalist with more than two decades of experience working around the world, Wes Siler is here to cut through the outrage and disinformation to bring you the factual, insightful, actionable reporting you need to understand what’s going on. Upgrading to a paid subscription supports this reporting, and buys personal access to Wes, who will help you save money on gear, plan outdoor adventures, and prepare for real life, and who promises he’s less salty in real life than he sometimes comes across as on the Internet. Wes Siler’s Newsletter is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe
NFL, NFLPA agree to tougher discipline for player safety violations
The NFL and NFLPA have introduced tougher discipline for five player safety violations, including a one-game suspension after three offenses
Business Briefs: Aug. 28, 2026
UMassFive welcomes new community engagement pro HADLEY — UMassFive College Credit Union has hired Kelley Jewell as its community engagement coordinator. This newly created position reflects UMassFive’s continued investment in community engagement and expands the credit union’s ability to deliver financial wellness programs, strengthen community partnerships and support volunteer efforts throughout the Valley. In this […]
Five fan-favorite Huskers that students should know this year
Saturdays in Memorial stadium and the Bob Devaney Sports Center will have many Husker athletes that incoming freshman should watch for.
NFL adopts '3 strikes you're out' policy for health, safety violations
The NFL and the NFLPA have agreed to place a greater emphasis on five health and safety rules violations.
NFL adopts '3 strikes you're out' policy for health, safety violations
The NFL and the NFLPA have agreed to place a greater emphasis on five health and safety rules violations.
‘There’s a whole process’: Bangor business owner highlights needle disposal challenges after patio incident
James Gallagher owns Bangin’ Whoopie in Bangor. He said he was first alerted to the person injecting drugs by a five-year-old and her grandmother.
Trump flexes as the Freedom Caucus fades: From the Politics Desk
Plus, five years after Abbey Gate.
Bazzell on Unrivaled’s Five Year Plan
Alex Bazzell on Unrivaled's new $650 million valuation and player equity model.
Thousands of Alaskans to see health insurance costs rise sharply, after years of increases
Premera Blue Cross Blue Shield of Alaska's rates on the marketplace have already nearly doubled over the past five years, according to recent reporting by the Anchorage Daily News.
VCs Are So Obsessed With This AI Assistant That Its Valuation Jumped Fivefold In Weeks
A hot new AI agent called Instinct was valued at $500 million earlier in August, sources say. Now it's raising a new round at a $2.5 billion valuation from Benchmark and Index.
I refused to spend thousands on my kids' sports. I have no regrets.
I raised five kids in a sports-obsessed town but kept youth sports spending low. Now that they're adults, I'm glad I didn't invest more.
NSF launches three new Science and Technology Centers with $90M investment in transformative research
The U.S. National Science Foundation is investing $90 million over five years to support three new NSF Science and Technology Centers (NSF STC). These centers will advance American leadership in…
Fast and Furious Star Formation in Starburst Galaxies
While our Sun was born almost five billion years ago, there are brand new stars forming today. Within our Milky Way galaxy, the vibrant glowing regions such as the Orion, Eagle, and Carina Nebulas are places where stars are currently being born. In some galaxies, such as many ell...
Red Sox aim to keep win streak alive against the Marlins
The Boston Red Sox seek to extend a five-game win streak with a victory over the Miami Marlins.
5 position battles to track in the Broncos' preseason finale
We'll be watching these five position battles when the Broncos host the Vikings on Friday.
‘Science fiction’: Five writers share what medical innovation excites them most
New technology is enabling major advances in medicine.
49ers' 53-man roster prediction for 2026 NFL season
The San Francisco 49ers are one of the most consistent teams in the NFL. They have registered double-digit victories in four of the last five years, but that’s simply not good enough when at team competes in the NFC West. The 49ers have to face the defending Super Bowl champion Seattle Seahawks twice a year and they also have to do the same with […] The post 49ers' 53-man roster prediction for 2026 NFL season appeared first on ClutchPoints.
Five Things to Watch for in Thursday's Preseason Game vs. New England Patriots
The Cleveland Browns wrap up the preseason, and the top two quarterbacks will rest. Here's what to watch for.
Project 49 brings health resources, screenings to OKC police after cardiac deaths of 3 officers
Project 49 is bringing health resources to Oklahoma City police employees and families after three officers died from cardiac events in the past five years.
Commanders, 76ers Owner Josh Harris Joins 'Sportico Sports Business'
Harris, who owns five sports teams, knows the important of culture-building and surrounding yourself with the right people to help teams win.
Manchester United sign Carlos Baleba from Brighton for $88.6M
Manchester United signed former Brighton midfielder Carlos Baleba to a five-year contract, with a one-year option, the Red Devils announced Tuesday.
Texas landed big catch in WR Cam Coleman as Longhorns chase return to playoff
Coleman was a five-star recruit coming out of high school. In his two years at Auburn, he caught 93 passes for 1,306 yards and 13 touchdowns.
Penn State CTSI releases 5-year impact report
For many communities across Pennsylvania, persistent challenges in access to care, chronic disease burden and health equity remain significant hurdles. Over the past five years, Penn State Clinical and Translational Science Institute has worked to bridge this gap with scientific discoveries that don't just stay in the lab, but are translated into real-world, sustainable health solutions.
Crooked Media Acquires Nate Silver's 'FiveThirtyEight Politics' Podcast, Which Is Being Renamed 'Still Counting'
Crooked Media announced a deal to acquire and revive the podcast "FiveThirtyEight Politics" hosted by Nate Silver, Clare Malone and Galen Druke, relaunching it as "Still Counting."
Orchestra Iowa returns to Brucemore lawn after 5-year hiatus
After flood, pandemic, and a five-year hiatus, Orchestra Iowa's beloved Brucemorchestra is back. This Saturday on the Brucemore lawn, hear patriotic favorites, American classics, and music director Tim Hankewich's mystery “seismic announcement.”
Kids Make Games, Learn Computer Science In Summer Coding Club
Children learned how to code and program games in Summer Coding Club, held at C.H. Booth Library between Monday, July 27 and Thursday, August 20. Designed for students entering grades five through eig...
Right-to-hunt ballot measure’s a cruel, anti-wildlife solution to a nonexistent problem
By Eric Washburn I love to hunt. Every year I try to hunt big game in Colorado and waterfowl in Louisiana. This year, I applied for five Colorado big game licenses — elk, deer, pronghorn, moose and bighorn sheep. I drew a moose tag and an elk tag and will be chasing them around northwest […]
Darline Graham faces make-or-break GOP runoff in historic bid to keep brother’s Senate seat
Republican primary runoffs in South Carolina and Oklahoma put Trump's endorsement record on the line after five gubernatorial picks fell short this cycle.
Guardians Score Four to Win Five In a Row
You can't pitch to Hedgey anymore
Paraguayan doctors launch a five-day national strike amid a collapsed health system
Paraguayan doctors started a five-day national strike on Monday to demand better working conditions, pay adjustments, and more medical supplies amid a worsening health crisis in the South American country, where seven out of ten people rely on public healthcare.
Five features the iPhone Ultra reportedly won't have
Apple's iPhone Ultra will reportedly skip Face ID, MagSafe, and more. Here's what the $2,000 device will be missing.
SAU College of Science and Engineering announces 2026 Outstanding Award Recipients | News
SAU College of Science and Engineering announces 2026 Outstanding Award Recipients The Southern Arkansas University College of Science and Engineering recognized five faculty members as recipients of…
Apple is about to launch five new products that I’m very excited for
Apple is about to launch a lot of new products, here are the five that I’m the most excited about and why.
Five Best Books on the Human Side of Science
The author of “Lost in Curiosity” on tales of lab mishaps, fieldwork adventures and personal sacrifices in the pursuit of good data.
250 for 250: Top 10 bigger than sports moments
As part of our celebration of America 250, MLB's content team has created 25 top 10 lists that capture the plays, people, rituals and moments that made baseball America’s game. We’ll be revealing five lists per week over the course of five weeks.
DOE and Princeton University extend, strengthen partnership
The U.S. Department of Energy and Princeton University have signed a five-year extension of the contract for Princeton’s management and operation of the Princeton Plasma Physics Laboratory.
5 Anker Phone Accessories You Should Try Instead Of The Official Versions
These five Anker accessories offer compelling alternatives to official phone add-ons, with useful features for charging, audio, travel, and more.
£86m at 18
BBC Sport reported earlier this week that Manchester City and Lille were in advanced talks over a deal for Morocco midfielder Ayyoub Bouaddi to move to Etihad Stadium. An agreement for the 18-year-old to join Enzo Maresca's side is now in place, with Bouaddi set to complete his protracted move to England - Lille accepting an initial fee of £81.4m, plus £4.2m in add-ons. Bouaddi impressed at this summer's World Cup - starting five of Morocco's six matches in their run to the quarter-finals - after a starring role in Lille's Champions League victory over Real Madrid in 2024 announced him on the big stage.
5 Car Speaker Upgrades With Superb Audio Quality
These five car speaker upgrades can transform your audio system with richer sound, clearer vocals, deeper bass and superb overall audio quality.
Kentucky measles cases rise to 24 as outbreak expands to new county
Kentucky's ongoing measles outbreak continues to grow, with health officials reporting five new cases Friday.
Can't Wait? How to Get Early Access to the Call of Duty: Modern Warfare 4 Beta
Are you ready for the next big Call of Duty release? You don't have to. The early access beta is underway, followed by a five-day open beta. Here's how to join in on the action.
Bipartisan Energy Politics | Reading and Podcast Picks
Reading and Podcast Picks is a collection of what we’ve been reading and listening to over the last week or so about energy topics. In addition to these R&P Picks, paid subscribers receive access to the full archives, Grid Roundups, and select episodes of the Energy Capital Podcast. Please subscribe today. Texans, legislators debate transmission lines at hearing | Texas Tribune “Republican legislators, Democratic statewide candidates, landowners from rural Texas and environmentalists” alike joined together Wednesday to protest the buildout of 765-kV lines across the state. At the protest and nine-hour hearing that followed, lawmakers heard a variety of recommendations, including from local officials arguing for more local control of data center proposals and more time to reform the process behind approving transmission lines across Texas. Though discussed in separate hearings, landowners and protesters said the issues are connected… Regulators have already been working through a new way to decide how much of the cost of building new transmission lines needs to be paid for by individuals and how much needs to be paid for by companies such as data centers. Experts said they believe the new system will lower the burden on residential consumers relative to the industrial groups. Data-Center Backlash Leads to New Land Rush in Texas Oil Patch | The Wall Street Journal While the data center protests rage, investors converge on the Permian Basin to build data centers powered by cheap natural gas. “A lot of places you see all over the country they’re worried about water, they’re worried about power, they’re worried about transmission, and the Permian has all of those things in spades,” said EagleRock Chief Executive Greg Pipkin Jr. Dallas-Fort Worth Dethrones Virginia as the World’s Top Data Center Market | Dallas Innovates Two reports show growth in North Texas data centers despite political concerns about the industry. Boasting five highly ranked data center markets, Texas is experiencing an explosion of data center activity. Long anchored by the DFW market, “the state is growing at a pace that could soon bring total installed capacity in line with — and potentially beyond — that of Virginia,” the Cushman & Wakefield report said. A new report from commercial real estate services provider JLL takes a slightly different view, anointing Texas the top data center market in North America. Texas eclipsed longtime frontrunner Virginia based on the level of existing and under-construction data center inventory in the state as measured by gigawatt capacity. A gigawatt equals 1 billion watts.
How New Yorkers feel about Mamdani's city-run grocery stores
NYC Mayor Zohran Mamdani plans to open five government-run stores. New Yorkers are skeptical about the plan — but they do want more affordable food.
Wyndham Clark surges clear at BMW Championship
Wyndham Clark surged into a commanding five-stroke lead at the BMW Championship on Saturday, bouncing back from an opening-hole double bogey to fire a superb round of 65.Clark quickly regained the joint lead with Gary Woodland, his birdie putt just wobbling in on four, before a superb wedge from deep rough for birdie on seven.
Brooks hits hat-trick as Crues win five-goal thriller
Crusaders make it back-to-back wins as they come out on top against 10-man Portadown in a five-goal thriller at Seaview.
Mariners 6, Cubs 5: Alex Bregman homers twice, but then there’s that RISPy business
The Cubs left 11 runners on base. They should have scored way more than five runs.
‘Reading Rainbow’ Host Mychal Threets Shares Health Update After ‘5-Day Psychiatric Hold,’ Says Doctors ‘Saved My Life’
Mychal Threets revealed in a video on Threads on Aug. 22 that he was hospitalized for five days on a ‘psychiatric hold’ and thanked medical staff for saving his life.
Jays Lose 3-1 to Yankees
Cam Schlittler was always going to be a tough assignment. They managed six hits and three walks off him, which under most circumstances you’d have to say was a good day, but couldn’t push more than one across. The Jays pitching staff was in some sense even better, allowing just four total hits and five […]
‘Burgers fall again by a run at Rome
ROME, Ga. — Both offenses got off to a hot start on Friday night in Rome. The Spartanburgers and Emperors finished the fourth inning tied at five. Rome (24-27, 57-58) put up a lone run in the fifth to take a 6-5 lead over Hub City (19-33, 53-65), and the Emperors held on the rest of the way. Cade […]
5 big things from Packers' preseason win over Broncos
Breaking down the five big things coming out of the Packers' 33-13 win over the Broncos on Friday night.
Lessons learned for Coventry in difficult top-flight return
Twenty-five years, 94 days and countless twists later, Coventry City have started life back in the Premier League, but it was a tough baptism of fire with a 3-0 loss at defending champions Arsenal.
How exercise science and data analysis helped one Vail biker win 2026’s Breck Epic race
The 2026 Breck Epic race rolled to a stop on Friday, Aug. 14, after racers rode just shy of 200 miles in five days. Emerging victorious from the men’s 30 plus, non-professional division was Vail’s...
Five group homes. Two scandals. Health Department program under microscope
The Health Department revoked the licenses for group homes owned and managed by Sekou Dukuly, the executive director of the National Port Authority of Liberia, as well as those connected to Andrea Sampson, a former Anoka County Attorney who prosecutors say used some of her properties to traffic women before converting them into group homes and billing Medicaid.
Hayden Panettiere's ex Wladimir Klitschko marks her birthday with emotional tribute
Wladimir Klitschko is remembering Hayden Panettiere on what would have been her 37th birthday.The former heavyweight boxing champion shared an emotional tribute to his former fiancée on Aug. 21, five
Siemens Healthineers receives up to $31M to develop autonomous robot for remote stroke treatments
The funding, provided over five years, will go toward developing a robot capable of performing advanced endovascular procedures without direct human input.
Ebola outbreak: five big questions
On 23 August, it will be 100 days since the Bundibugyo strain was first reported. How did it became the DRC’s most deadly outbreak and what must be done to stop it becoming the world’s largest?
'Great team performance' from Hearts but defensive concerns remain
Jim: A terrific match to watch for the neutral but as a Hearts supporter continued concerns regards our defending. Great to see James Wilson in action up front, he deserves a starting place and an extended run. Wilson's strike was world class, he did more in the five minutes after coming on than Landry Kabore and Amadou Ba-Sy have done all season.
City’s last five meetings with Bournemouth
Ahead of this weekend’s clash, we look back to our recent games against Bournemouth. Men's Team Analysing Bournemouth ahead of this weekend’s Premier League opener City enjoy a spectacular record ...
Bay Area sports calendar, Aug. 21-23
Forward Gabby Williams and the Valkyries begin a five-city, 10-day road trip with a game in Chicago against the Sky on Friday at 4:30 p.m. (Ion)
Dana Perino: They’ve made it impossible for business owners to do business
‘The Five’ co-hosts discuss criticism of New York City Mayor Zohran Mamdani’s plan to open five city-run grocery stores.
ADF Business Index drives change in corporate America
Newly redesigned ViewpointDiversityScore.org puts five years of corporate accountability data at investors’ fingertips
App State named a business education leader in U.S. and worldwide for 2026–27
App State has been recognized as a leader in business education for the 2026–27 academic year, with five notable publications naming the university’s Walker College of Business and its business bachelor’s and master’s programs among the best in the nation and world.