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Pennsylvania senator prepares for push to bring single-payer healthcare to the state
Sen. Nikil Saval, representing the commonwealth’s first district in Philadelphia, circulated a letter to colleagues last week announcing his plan to introduce legislation to bring universal healthcare coverage to every resident of the state.
People with diabetes may have another reason to protect their cardiovascular health
Better cardiovascular health, measured using Life’s Essential 8, was associated with a lower risk of mild cognitive impairment among people with diabetes after accounting for genetic susceptibility. Associations with dementia varied by genetic risk, while higher LE8 scores were also linked to greater gray matter volume and lower white matter hyperintensity volume.
Homewood Science Center celebrates new additions
Homewood Science Center Executive Director Edie Dobrez had to speak up to be heard over the sounds of children playing with the center’s educational toys during a celebration Thursday, Aug. 6, of new features. While four youngsters built, traversed and enthusiastically destroyed a modular maze, Dobrez thanked representatives of granting[Read More...]
The Cuban sculptor behind a new monument in Miami Springs of city’s founder
He represents “the American Dream,” she said.
3 takeaways as Pitt routs short-handed Wisconsin volleyball
No. 6 Wisconsin volleyball was blown out in a three-set loss to No. 4 Pittsburgh. The Badgers are now 1-3 so far in the 2026 season.
Packers are trading for Pittsburgh Steelers running back Kaleb Johnson
The Packers have uncertainty at the running back spot, so they are trading for Kaleb Johnson, a Pittsburgh Steelers 2025 third-round draft pick.
How to Watch Dolly Parton Entertainment Tonight Special Streaming Free
'Remembering Dolly: A Rhinestone Life' airs on Sunday, Aug. 30.
Health officials warn of possible rabies exposure at Durham County events
Two events were infected baby goats were present were held in the county on Aug. 16 and 23.
‘The Christophers’: A work of art
Absorbing little drama builds to a surprise finale
Israel’s Youngest Political Candidate Shuns 'Petty Politics,' Represents War Generation
When asked where he wanted to work in […]
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.
EU provides €12 million to WHO to sustain essential health services and support recovery across Syria
30 August 2026, Damascus, Syrian Arab Republic – The World Health Organization (WHO) has received €12 million (approximately US$14 million) from European Union Humanitarian Aid, to help sustain essential health...
A Mortgage Servicer Sent a Letter About an Address Change. Was It Deed Theft?
A letter arrived in the mail from PNC Bank about an address change on a mortgage account. Was a deed theft scheme in process?
Ed Markey Defends Transgender Athletes in Massachusetts Senate Race
Senator Ed Markey of Massachusetts has emerged as a vocal defender of transgender rights as he tries to fend off a primary challenge from Representative Seth Moulton.
Drive for nuclear power boosts uranium industry — and tribal health concerns in Southwest
WHITE MESA, Utah — On a hot April day, Malcolm Lehi maneuvered his Jeep Wrangler over a rough dirt road past junipers and sagebrush in search of Entrance Spring on
Reflections on Weiser-Lopez, Crank-Killian debates
Thursday night, The Gazette and KOAA TV hosted two important candidate debates. The first featured incumbent Republican U.S. Rep. Jeff Crank, who is just completing his first term representing El Paso County in Congress, and Jessica Killian, a Democrat who has served in the Army and has years of experience working in Washington, D.C. The second […]
Arms and the £5m man: Farage megadonor Christopher Harborne’s military empire
Reform UK denies donor and crypto-billionaire’s global interests in arms and military could present a conflict of interest over its defence spending policy
A fifth-grader in Kansas City clicked ball-and-stick atoms together in science class and asked her teacher if she'd made a real molecule — he photographed it, sent it to a chemistry professor, and at ten years old she became co-author of a published paper on a structure nobody had ever described
A ten-year-old's casual question about her chemistry model kit led to a published paper describing a molecular structure that had eluded professional scientists for decades.
WHO releases US$150 000 emergency funds to support Nepal’s flood response
The World Health Organization has released US$150 000 from the South-East Asia Regional Health Emergency Fund (SEARHEF) to support urgent health and other needs of the communities impacted by the devastating flash floods in Nepal, one of the worst tragedies in the country in recent times. “The emergency funds will support immediate response priorities. WHO is committed to supporting Nepal through the response and recovery efforts,” said Dr Nilesh Buddha, Officer-in-Charge, WHO South-East Asia Regional Office. Earlier, within hours of the flash floods on 26 August, WHO mobilized and dispatched essential emergency medical supplies, including an Interagency Emergency Health Kit that can cater to the health needs of nearly 10 000 people for 3 months, along with multipurpose tents.
Jordan Love served as offensive playcaller in Packers preseason win
Jordan Love didn't play in the Packers' preseason finale on Friday night but he played a major role in the comeback win from the sideline.
Jordan Love served as offensive playcaller in Packers preseason win
Jordan Love didn't play in the Packers' preseason finale on Friday night but he played a major role in the comeback win from the sideline.
Fox Cities businesses take on healthy living challenge ahead of marathon weekend
Local businesses are turning marathon weekend into a team-building challenge less than a month before the Community First Fox Cities Marathon Weekend, presented by Miron Construction.
AI could become conscious. What if it wants us dead?
As artificial intelligence advances toward potential sentience, experts warn of significant societal risks ranging from existential dependency on a digital mind to catastrophic outcomes if autonomo…
Bessent says disorderly yen moves can destabilize global markets
U.S. Treasury Secretary Scott Bessent said disorderly moves in the yen could trigger "forced unwinds" of positions that risk destabilizing global markets and ultimately raising borrowing costs for U.S. households and businesses.
Northeastern introduces artificial intelligence combined majors, renames undergraduate data science programs
This fall, Northeastern will roll out 24 artificial intelligence, or AI, combined majors, which will replace its undergraduate data science majors. The rename of the data science major and its associated combined degrees “more accurately represents the scope and depth of the curriculum,” Christo Wilson, associate dean for academic programs and student experience, wrote in...
Italian state broadcaster RAI removes veteran journalist, sparking political storm
Italian opposition parties have denounced an attack on press freedom after state broadcaster RAI removed a veteran journalist as presenter of its flagship investigative programme, while government allies have welcomed the move.
Italian State Broadcaster RAI Removes Veteran Journalist, Sparking Political Storm
By Gavin Jones ROME, Aug 29 (Reuters) - Italian opposition parties have denounced an attack on press freedom after state broadcaster RAI removed a veteran journalist as presenter of its flagship investigative programme, while government allies have welcomed the move. The case has reignited a ...
Player availability report, presented by Orlando Health Jewett Orthopedic Institute: Orlando Pride vs Utah Royals
Here is this week's player availability report, presented by Orlando Health Jewett Orthopedic Institute, for Sunday's home match vs Utah Royals
Player status report, presented by Orlando Health: Orlando City SC at Minnesota United
Here is the Player Status Report, presented by Orlando Health, for Saturday's away match at Minnesota United
Meet the Black candidates seeking history in governor's races this fall
A historic group of Black candidates are running for governor in 2026, with several seeking to expand Black representation in state leadership and make history this fall.
“Fee Free Tuesdays” introduced by AEG Presents Las Vegas
AEG Presents Las Vegas is offering live entertainment fans an all-new weekly deal they’re calling “Fee Free Tuesdays” for performances at The Theater at Virgin Hotels Las Vegas, Resorts World Theatre ...
Bandai Namco Nintendo Switch 2 and Switch sale live with Ace Combat 7, Tales of Arise, and more at new low prices
A new Bandai Namco publisher sale is live on the Nintendo eShop, with various Switch 2 and Switch games discounted such as Ace Combat 7 and Tales of Arise. These titles are at new low prices. However, they’re far from the only games on sale. Dragon Ball, Digimon, Pac-Man, and many other titles / franchises are represented. Below is the...
Weekly Portland women’s sports wrap up (8/28)
Weekly Portland women’s sports wrap up (8/28) presented by Rebound Rebound Orthopedics and Neurosurgery and Rivermark Community Credit Union.
Tarik Skubal Reflects on Emotional Tigers Reunion After Dodgers Win
Los Angeles Dodgers starting pitcher Tarik Skubal had a heavy outing on August 28th against his former beloved team, the Detroit Tigers. Entering free agency, and with the Tigers left unable to afford Skubal, Detroit was essentially forced to deal…
Packers highlights vs Cardinals preseason game at Lambeau Field
The Packers are playing the Cardinals in their preseason finale. See photos from the game at Lambeau Field.
Op-ed: West Virginia recognized as national leader in small business development, entrepreneurship
For generations, West Virginians have been known for their hard work, determination, and willingness to build something from the ground up. Today, those qualities are matched by an entrepreneurial ecosystem that is helping new businesses not only launch, but succeed in the long term. A recently released business longevity study found that West Virginia leads […]
Report: New Yorkers paying $5,000 for everyday essentials
A new report from the U.S. Senate Joint Economic Committee – Minority finds New Yorkers are paying $5,000 more on everyday goods and services as of July 2026.
Player Availability Report: #SKCvVAN
Player Availability Report is SportingKC.com’s look at the latest status updates around the team ahead of upcoming matches and is presented by Saint Luke’s. All details listed are from the league’s official Player Status Report that is submitted the day prior to the match. Sporting Kansas City returns home this
Heartflow tech limits unnecessary catheterizations in patients with suspected CAD
AI-powered software from Heartflow can provide cath labs with a lot of value, according to new late-breaking data presented at ESC Congress 2026.
New ESC heart failure guidelines include major updates
The new guidelines, published in European Heart Journal and presented at ESC Congress 2026, represent a major overhaul compared to ESC's previous recommendations.
Travel in Numbers | Presented by Atrium Health
The official website of Charlotte Football Club of Major League Soccer. Get the latest news, tickets, offers, player updates and more.
Policies Are Needed to Support an Essential Health Workforce: Midwives
More than 2.3 million women of reproductive age live in maternity care deserts — counties with no hospitals offering obstetric care and no OB-GYN or certified nurse-midwife in practice.
House will vote to denounce socialism
The House of Representatives is set to vote next week when lawmakers return to condemn and denounce “socialism in all its forms,” specifically pointing to the growing Democratic Socialists of America organization. The House voted to condemn socialism last year, but did not specifically call out the DSA. The resolution includes calling for the enactment […]
Camden Brown represents strong Cowboys tradition
The Cowboys have a very strong history of UDFAs making the roster
As public trust declines, Muslim politicians are rising to the occasion
Declining trust in institutions widens what political scientists call the representation gap.
Debates set for Maine U.S. Senate race
Regardless of the format, the debates are likely to be must-see TV for voters who will make a big decision this fall about who represents them in the U.S. Senate.
‘Housewives’ Star Jen Shah Finishes Federal Prison Sentence: “I Feel Blessed. I Feel Free” (Exclusive)
The former 'Real Housewives of Salt Lake City' star shares a statement with THR about her release: "For a very long time, I wasn’t in a position to speak for myself while my story continued to be told...
How AI is changing the art of business presentations
AI tools can speed up the creation of slides, but human input is still needed to check the presentation’s visual style, data, and messaging.
Trump's Labor Department is reviving a push to expand health insurance access for gig workers
The agency has sent a draft rule to the White House that would broaden how associations can offer coverage to self-employed workers and small businesses
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.
The new Miss USA is Miss Virginia Justus Kelley
Miss Virginia Justus Kelley was crowned the new Miss USA in Miami on Thursday. She will represent the US at the Miss Universe pageant in November.
Judge again blocks Trump mail ballot executive order
The move stalled the directive for a second time only about a week before the first mail ballots are due to be sent out.
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 […]
Van Orden's AI videos draw rebuke from Democrats
Starting in early August, Republican Representative Derrick Van Orden has been posting a series of AI-generated videos of his Democratic challenger Rebecca Cooke.
Aldine Students Turn Food Truck Models Into Lessons in Business, Teamwork and Entrepreneurship
IMAGE For students in Marilyn Johnson’s business classes at Eisenhower Ninth Grade College Prep, a food truck begins with more than a menu. It starts with a question: What do their customers want? Over the past four years, Johnson has turned a classroom assignment into a hands-on business simulation that asks students to take an idea from customer research to a 3D food truck model — and build a business around it. The project recently received a boost when Greater Texas Credit Union presented Johnson with a $250 award recognizing her commitment to students and meaningful learning experiences. “I want students [...]
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. 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Former MassGOP Chair, political pundit sues Shortsleeve campaign on eve of primary
The former Chair of the MassGOP and current conservative political pundit is suing GOP gubernatorial candidate Brian Shortsleeve’s campaign for allegedly secretly recording her without consent.
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Is Germany benefitting yet from the crisis in US research?
Science|Business - Table.Media partnershipScience|Business has partnered with Table.Media, a leading source of news about higher education and research in Germany. Each week, we are publishing one of each other’s stories to give readers an even broader range of insight into R&D policy across Europe.Drawing over 500 participants, the German Academic International Network conference in San Francisco brings together researchers, universities, scientific organisations and policymakers in the US as part of an attempt to recruit international talent for Germany. It also serves as an annual barometer for the uncertainty triggered by the Trump administration’s science policies. As was the case last year, Germany’s political presence was unusually strong: federal lawmakers, nine state ministers of science and research, and federal research state secretary Marcus Pleyer all attended. Joybrato Mukherjee, president of the German Academic Exchange Service (DAAD), has observed a marked shift at US universities a year after the Trump administration began sweeping interventions: the initial state of "shock and paralysis" has given way to a strategic approach to the situation. Universities are seeking new funding sources, mounting legal challenges against interventions and opening themselves up more to international collaborations, including with Germany, he said. Early-career international researchers with expiring visas are considered particularly vulnerable. Germany is benefiting from increased demand among this pool of young talent; the country’s 1,000 Minds Plus programme, designed in part to lure German academics back home, has already filled up around one-third of its capacity. Meanwhile, Markus Blume, Bavaria’s science minister and current chair of the federal Conference of Science Ministers, sees an "enormous outflow of talent from the US." An increasing number of international researchers want to leave. Applications to Canada have risen by 42% January, and those to Europe by 32%. Meanwhile, the number of people drawn to the US is plummeting. "In this context, Germany must position itself as a prime destination offering reliable conditions, institutional stability and academic freedom, including through smart collaborations," Blume told Table.Briefings.“Darkest hour”At the get-together in San Francisco, the former president of the US National Academy of Sciences, Marcia McNutt, highlighted the gravity of the situation on the ground in a keynote address. She described the present moment as the "darkest hour for the US scientific system." At the same time, she said that cooperation should be maintained, especially during a crisis. Established researchers in the US are less likely to leave. Ulrike Malmendier, a former member of the German Council of Economic Experts and an economist at Berkeley, explained why established researchers are not packing their bags and leaving the US in droves: working conditions and the concentration of talent at places like Berkeley and Stanford remain unparalleled. According to Peter-André Alt, managing director of the Wübben Foundation, which helps Germany attract international academics, political restrictions are not the only grievance voiced by US-based researchers. "There are evidently still many areas where, fortunately, unfettered research is possible," Alt told Table.Briefings. Instead, the primary complaint concerns the cost of living, which has "skyrocketed” to absurd levels. "Runaway inflation, like that currently seen in the US, is certainly no draw for young scientific talent,” he said. Return homeA growing number of early-career researchers from Germany appear to be considering a return home. 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Benzinger reports that some US-based researchers had to decline brief invitations to Germany because they could not be certain of being allowed to re-enter the US afterward.He considers the simple poaching of researchers to be the wrong approach; what is needed, he says, are "reliable offers and long-term partnerships."However, Green Party politician Ayşe Asar, who also attended the conference, sees a significant need for improvement, particularly regarding career paths in Germany.While lifetime professorships and academic freedom certainly make Germany attractive, young researchers also require predictable career paths, tenure-track positions and flatter hierarchies.
Data & Discovery draws researchers and students from Nevada and beyond
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Elandon Roberts Sends Steelers Coaches Message Days Before Preseason Finale
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Eating more ultra-processed foods may raise prostate cancer risk by 30%
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Investing in Pandemic Preparedness for Resilient and Sustainable Health Systems
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Hope Florida grand jury describes public money ‘misused for political purposes’
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Senator Rosen, UNLV Host Sports Tourism Discussion with UFC, Las Vegas Raiders, Las Vegas Athletics, and Formula 1 Las Vegas Grand Prix
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Jeff Brohm Radio Show Returns September 2nd
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College of Information Sciences and Technology welcomes six new faculty members
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Dolly Parton’s death prompts worldwide tributes
Parton died Tuesday at age 80 after what her representatives described as a brief battle with cancer
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Parton died Tuesday at age 80 after what her representatives described as a brief battle with cancer
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Braun announces Century, Half Century Business Awards
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WashU astronomers selected for Roman space telescope programs
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Alley Bash connects Aspinwall business districts, draws crowd
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