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Monster Jam coming to Gwinnett this weekend
Long before she made a name for herself on the insanely popular Monster Jam circuit, Kayla Blood approached and cleared her share of hurdles.
Mapping the Global Health Landscape: Analysis of Fourteen International Organizations
The global health architecture includes a number of diverse international organizations with different mandates, governance models, financing structures, and operational approaches. This KFF resource looks across a range of variables to provide a descriptive mapping of 14 key global health and related international institutions. It is intended to inform discussions about synergies and coordination, duplication, comparative advantage, shared challenges, and architectural reform.
A Chapman Alumnus on How the Executive MBA Program Grew His Business
A Chapman Executive MBA alumnus explains how the program changed his approach to risk and helped grow his business's revenue streams.
Sunderland 'deserved more' at Brentford
Marco Gabbiadini says Sunderland deserved to win at Brentford after taking the game to their opponents on Saturday. The former Sunderland striker, speaking to Radio Newcastle, believes the Black Cats' attacking approach could have earned them all three points and suggested the result could prove significant when looking back at the end of the season. "If you finish the season in a similar position to what we finished last season and you look back over it, you might look back and think this is one that could have taken us another place up the table," said Gabbiadini.
Spirit Halloween stores are already open for the fall season. See southeast Louisiana locations.
As the fall season approaches, Spirit Halloween stores are popping up seemingly overnight. Here’s where to find the costume shop this year.
How Merlin Entertainments is approaching GEO
The attractions business revamped its search strategy and grew its AI Overview visibility at six times the benchmark rate.
Six decades of politics (but little government)
The first aired episode of “Star Trek,” entitled “The Man Trap,” premiered on September 8, 1966 — 60 years ago today. I’m actually editing a political science fiction issue of The Forum right now, and it’s prompted to me think a lot about the ways that Trek deals with politics and government and what it’s offered us as commentary. The @smotus report is a reader-supported publication. To support this work, please become a paid subscriber. Subscribe The original TV series ran from 1966 to 1969. It had a loyal but modest following, but the audience grew substantially with the series in syndication for years after that. The franchise developed its first motion picture in 1979, followed by five sequels, and then a whole other series of films built around the “Next Generation” series that first aired in 1987. In recent decades, several more TV series have built up around it, including the current “Strange New Worlds,” now in its fourth season. Throughout the past six decades, the franchise has offered us a good many insights into US politics and international relations, although often disguised as science fiction yarns. The original series was largely a Cold War fable, with the United Federation of Planets (a stand-in for the US) perpetually at odds with the Klingon Empire (a stand-in for the USSR). The “Let That Be Your Last Battlefield” episode (1969) posited a planet divided into two races, largely indistinguishable to outsiders, but nonetheless constituting a brutal racial hierarchy. “Patterns of Force” (1968) showed a struggling planet where the leader had attempted to construct a benevolent dictatorship — literally Nazism without bigotry — and found that authoritarianism could not exist apart from hierarchy and oppression. (Relatedly, I’d put “Star Trek VI: The Undiscovered Country,” high on a list of dad films about the end of the Cold War, near “The Hunt for Red October.”) Get 20% off for 1 year Indeed, the original series itself was something of a political statement, with a multi-racial crew running the Enterprise, a diverse and largely peaceful Federation mostly free from want and oppression, and protected by Starfleet, an armed force whose scientific mission was at least as important as its military one. Famously, when Nichelle Nichols wanted to walk away from the role of Uhura on the original series, none other than Martin Luther King, Jr. met with her and urged her to remain on the show, discussing the importance of viewers seeing an intelligent Black woman as part of the command team three centuries hence. Later series in the Trek franchise offered a good deal of political commentary on their own, but probably none as explicitly and incisively as “Deep Space Nine,” which ran from 1993 to 1999. The episodes surrounding the Dominion War, especially the “In The Pale Moonlight” (1998), showed the compromises, sacrifices, and moral rot associated with winning even a just war — probably better than any series would until “Andor” (2022-25). In “Far Beyond The Stars” (1998), Captain Benjamin Sisko is somehow transplanted to the role of a science fiction writer in 1950s New York. The writer is frequently sidelined and his ideas stolen because publishers don’t want to credit a Black writer. Several series have depicted the secretive Section 31 — an unacknowledged black ops security force operating within Starfleet. These episodes often end up using Section 31 as a foil to show the dangers of a lawless group within a lawful society, even (especially) when that group posits itself as essential for everyone else’s freedom to continue. The current “Strange New Worlds” has played with a few political themes. I found the first two seasons of this show among the best that the Trek franchise has produced in decades, but this season and the last have really been struggling for ideas. Yet one interesting thread is the idea that the diplomatic and enlightened leadership style of Captain Christopher Pike will not work in all situations. “A Quality of Mercy” (2022), which I wrote about here, puts Pike in the middle of a battle with a Romulan vessel in an alternate timeline, and finds that Pike’s conciliatory style would actually make a lengthy and deadly war more likely, while a quick and more violent approach might have prevented the war. This season’s opener, “Valles Marineris,” shows a pre-lightspeed civilization locked in a war to the death with a neighboring planet. The idea of an alliance or a federation hasn’t even occurred to them — their ship’s commander is curious but doesn’t see it as an option. For a franchise as political as “Star Trek,” one thing we almost never see is the government. We get occasional glimpses of Starfleet’s council — mostly uniformed people at a rectangular table — but almost no sense of how the Federation is governed. Are there elections? Who is in the legislature? How much power does the president have? What kind of factional divisions do they wrestle with and how? The shows and films are pretty silent on this. We’ve seen a few military tribunals within Starfleet, but little about how civilians deal with crime and injustice. With recent years seeing some of the franchise’s more interesting plot lines and casts, it seems clear that Star Trek is still full of energy and ideas. Given the erosion of American democracy and the reshuffling of the international order, there’s no shortage of material for future shows to comment on. I’m not sure we should toast to 60 more years, but cheers to a show that continues to teach us about ourselves. Share
Has Tencent Music Entertainment Group (NYSE:TME) Fallen Below Fair Value?
Tencent Music Entertainment Group has seen its share price fall sharply over the past year, yet both an intrinsic value estimate based on a Discounted Cash Flow (DCF) approach and traditional earnings multiples currently point to the stock trading below those valuation checks. The disconnect between a weak recent share performance and signals of potential undervaluation is drawing attention to what the current price really implies about the business. Over the past 12 months the stock has...
Puck Drop Preview: 2026-27 Minnesota Wild
Last Word On Hockey‘s Puck Drop Previews are back for the 2026-27 season! As the regular season approaches, Last Word will preview each team’s current outlook and stories to watch for the upcoming year. We’ll also do our best to project how things will go for each team throughout the campaign. Today, we’re previewing the 2026-27 Minnesota Wild. …
No booze? No problem. Four NH businesses lean into the alcohol-free trend.
New Hampshire is seeing a surge in outlets dedicated to nonalcoholic beverages. These are how some businesses are approaching the move away from drinking.
Alonso thought 'outside the box' against Arsenal
BBC Radio 5 Live's Monday Night Club team have been discussing Chelsea boss Xabi Alonso's "brave" and "fascinating" approach to defending Arsenal's corners. The Spaniard suffered his first defeat as Blues manager on Sunday, as Mikel Arteta's side came from behind to earn a 2-1 win at Emirates Stadium. On Sunday, Chelsea employed a tactic of leaving four players upfield for defensive corners, going man for man in the penalty area.
Will Lampard change the way Coventry play this season?
Coventry City's style of play has been the subject of several questions sent in via our Sky Blues Ask Me Anything form, with some of you wondering whether Frank Lampard will adjust it this season as a result of facing higher-level opposition. Coventry's shape under Lampard is never fixed and that tactical flexibility is going to be a major theme of their Premier League return. The Premier League is unforgiving, stacked with world‑class players, and there will be times where a more conservative approach is simply the smartest route.
Oil price approaches $100 a barrel after attacks on Saudi oil facilities
Saudi authorities said operations at some energy facilities have been attacked by Yemen’s Iran-aligned Houthis
Politics on parade: Candidates join Buena Vista Labor Day celebration
With the midterm elections fast approaching, the annual Labor Day Parade brought candidates for the U.S. Senate and the House of Representatives to Buena Vista on Monday.
Port of Grandview works to attract new businesses with active marketing and land development
The BriefThe Port of Grandview is actively marketing the community to attract new business development, with efforts including attendance at trade shows and conventions like Food Northwest in Portland.The Port reports strong demand for business property, with several prospective clients currently seeking space to build in Grandview.The Port recently acquired 45 acres for its new Woodworth Road Business Park, with planning underway to support the community's continued growth.GRANDVIEW — The Port of Grandview is capitalizing on strong interest in the community by actively marketing Grandview to businesses seeking locations for expansion and growth. The Port's efforts are paying off, with increased development activity and growing demand for available business property.Grandview's appeal stems from multiple factors. The community's available land and central location between the Tri-Cities and Yakima make it an attractive option for businesses looking to establish or expand operations. The Port has recognized these advantages and is taking a proactive approach to market the community directly to potential clients.Port Executive Director Randy Tucker says the Port has been actively attending trade shows and conventions to promote Grandview as a business destination. These events, including Food Northwest in Portland, provide opportunities to connect with companies actively seeking new locations."Say, hey, locate your business here and bring your customers here. And it's worked out pretty good for us," Tucker said.The Port's marketing strategy is generating results. The Port reports strong demand for business property, with several prospective clients currently looking for space to build in Grandview. This interest reflects the effectiveness of the Port's outreach efforts and the community's appeal to businesses in various industries.To support this growth, the Port recently acquired 45 acres for its new Woodworth Road Business Park. Planning is underway to determine how the property can best support Grandview's continued development and attract additional businesses to the area.The combination of available land, strategic location, and active marketing positions Grandview as an increasingly attractive option for businesses seeking to relocate or expand. As the Port continues its efforts to promote the community, Grandview appears poised for continued economic growth and development. News Three Queens Fire approaching 10,000 acres, now 11% contained Robert Desaulniers, Josh Culbreth News Two injured after rear-end crash leads to rollover near Grandview Robert Desaulniers News Grandview High School temporarily enters secure and teach for possible altercation between students Robert Desaulniers News Port of Grandview pursues economic growth with new business park development William Albert, Apple Valley News Now News Driver dies in fiery crash in Columbia Park Friday Erin Wencl COPYRIGHT 2026 BY APPLE VALLEY NEWS NOW. ALL RIGHTS RESERVED. THIS MATERIAL MAY NOT BE PUBLISHED, BROADCAST, REWRITTEN OR REDISTRIBUTED.
Sleep Scientists Excited to Study Results of This Week's 49ers-Rams Game in Australia
The NFL's highly-anticipated season opener between the San Francisco 49ers and Los Angeles Rams in Melbourne, Australia on Thursday has sleep scientists stoked to study how the two teams drastically different approaches to travel and acclimation play out.
A whiplash election year enters its final stretch as Trump holds wild cards
As the final midterm of Donald Trump's presidency rapidly approaches, the landscape is proving especially volatile, with Trump often stirring the tumult.
As Elections Approach, Israeli Politics Should Not Be a Popularity Contest
For centuries, status was largely measured by wealth, power, and position. The person with the largest house, the greatest fortune,…
Puck Drop Preview: 2026-27 Los Angeles Kings
Last Word On Hockey's Puck Drop Previews are back for the 2026-27 season! As the regular season approaches, Last Word will preview each team's current outlook and stories to watch for the upcoming year. We'll also do our best to project how things will go for each team throughout the campaign. Today, we're previewing the …
Language Access: A Strategic Performance Driver for Providers
Learn how a total cost of ownership approach to language access can improve efficiency, patient outcomes, compliance and financial performance.
Science, pigs and money: the race between the US and China to make animal-to-human transplants viable
Techniques such as the gene-editing tool CRISPR already make survivals approaching a year possible, something unheard of until recently
Science, pigs and money: the race between the US and China to make animal-to-human transplants viable
Techniques such as the gene-editing tool CRISPR already make survivals approaching a year possible, something unheard of until recently
Performance in Man City defeat 'a great starting point'
Coventry City defender Bobby Thomas says the performance in Saturday's 1-0 defeat at Manchester City is "a great starting point" for the Sky Blues to build on. Frank Lampard's newly promoted side delivered their best performance so far this season, after Premier League losses at Arsenal and at home to Hull City, but are still searching for their first point of the campaign. "We approached the game differently and had a better gameplan," Thomas told BBC CWR.
CeraVe Puts Skin Barrier Health First with Super Boost Serum
CeraVe is taking skin barrier-first approach to aging with its new Skin Renewing Super Boost Serum.
Phnom Penh recognised with WHO Healthy Cities Award for safer, healthier urban mobility
Phnom Penh City Hall has been awarded the World Health Organization (WHO) Healthy Cities Recognition Awards 2026 in the Safe, Active and Health-enabling Transport category, recognising its commitment to improving road safety and creating healthier urban mobility for residents. The award was presented during the 11th Global Conference of the Alliance for Healthy Cities held in Sydney, Australia, from 1-3 September 2026. Phnom Penh was recognised for the project “Safe, Active and Health-enabling Transport: Advancing Health and Reducing Inequities in Urban Mobility”, supported through the Partnership for Healthy Cities. The initiative has focused on creating safer and more accessible environments for vulnerable road users, particularly around schools. The project combines road safety data, infrastructure improvements, 30 km/h speed management, enforcement, education and community engagement to address risks around high-risk schools. Improvements have included the installation of traffic signs and road markings, smart speed limit signs, safety camera systems and strengthened monitoring in school zones. At the two intervention schools, infrastructure conditions improved from 1.0-star rating to 4.2 and 3.5 stars using the Star Rating for Schools tool. The project also contributed to lower vehicle speeds, provided road safety training for 500 students and achieved a reported 58% reduction in self-reported crashes. iRAP was proud to serve as the technical advisor to the project, supporting evidence-based approaches to infrastructure safety and helping to guide interventions that protect people walking, cycling and travelling to and from school. The WHO recognition is particularly significant given the strong level of regional participation. More than 150 cities from across the Asia-Pacific region applied for the awards, with only eight cities ultimately selected for recognition. The award demonstrates how targeted investment in safer roads and sustainable transport can contribute to healthier, more equitable cities while supporting broader goals for urban development and quality of life. iRAP congratulates the Phnom Penh City Hall and all project partners on this important achievement and looks forward to continuing to support initiatives that deliver safer roads and safer journeys for everyone. Read original article hereRead more on the project here
Real Madrid’s Problems Vs Real Betis, In Detail
Two versions of Real Madrid faced Real Betis at La Cartuja Stadium. The first one was wasteful in front of the goalkeeper, whereas the second was constrained and without solutions. In the first half, Real Madrid created goal-scoring chances relying on versatile approaches: counterattacks, set pieces, and settled possession. Off the ball, Manuel Pellegrini’s team […]
As Midterms Approach, Republicans Find There Is No Escape From Trump
Two months before the midterm elections, Trump and the Republicans who have long tied their political fortunes to him appear to be at cross-purposes as the party struggles to keep the House and Senate in GOP hands.
Verisk: One atmosphere, one framework – how science and AI connect views of global risk
A single-system approach to catastrophe modelling is required to capture the interconnected atmospheric drivers that shape risk across regions and perils, argues Verisk’s Jay Guin.
Incredible stat shows Seahawks defensive dominance against the run
The Seahawks approach the start of the 2026 season having not allowed a 100-yard rusher against them in their last 26 games.
Drake Maye’s selfless approach could define Year 3 with Patriots
Drake Maye was asked about a Year 3 leap, and his answer said everything you need to know about the star quarterback.
A whiplash election year enters its final stretch as Trump holds wild cards
The political landscape in the U.S. is volatile as the final midterm of President Donald Trump's presidency approaches
A whiplash election year enters its final stretch as Trump holds wild cards
The political landscape in the U.S. is volatile as the final midterm of President Donald Trump's presidency approaches. Trump often stirs the tumult, with issues such as redrawn congressional...
A whiplash election year enters its final stretch as Trump holds wild cards
The political landscape in the U.S. is volatile as the final midterm of President Donald Trump's presidency approaches.
A whiplash election year enters its final stretch as Trump holds wild cards
The political landscape in the U.S. is volatile as the final midterm of President Donald Trump's presidency approaches.
A whiplash election year enters its final stretch as Trump holds wild cards
The political landscape in the U.S. is volatile as the final midterm of President Donald Trump's presidency approaches. Trump often stirs the tumult, with issues such as redrawn congressional districts
As Midterms Approach, Republicans Find There Is No Escape From Trump
The president’s strategy, message and spending have left the G.O.P. in a difficult spot as lawmakers try to outrun his sagging approval ratings.
Why this diet could be the next tool in treating mental illness
The keto diet is a serious therapeutic approach for brain disorders dating back more than a century.
Bronny James: Lakers have 'good vibes everywhere'
Guard Bronny James said that the vibes are positive on the Lakers right now as the new NBA season approaches.
Scientists find a weak spot in one of the deadliest brain cancers
Researchers may have found a new way to weaken glioblastoma’s defenses against treatment. Blocking a protein called SET prevented tumors from forming in preclinical models, while targeting related proteins made cancer cells more vulnerable to radiation. The strategy works by restoring activity of PP2A, an enzyme that glioblastoma cells appear to suppress. Human testing will be needed to determine whether the approach is safe and effective.
Lulli on Gasperini: “He gives me so much confidence.”
Emanuele Lulli spoke to Sky Sport before the match against Atalanta.“It’s definitely more challenging than the previous two, it tests our maturity, but we know we need to approach it with greater ...
The Science Prizes That Make You Laugh, Then Think
Every September, a few weeks before the Nobel Prizes are announced, another set of science awards takes a much less serious approach. They are called the Ig Nobel Prizes, and their goal is simple: honor research that first makes people laugh, then makes them think. The science is real. So are the questions. According to
Reform UK winded by donations row as insiders call for shift in approach
Nigel Farage's admirers in the party are calling for a stronger operation as the party aims for power.
Puck Drop Preview: 2026-27 Edmonton Oilers
Last Word On Hockey's Puck Drop Previews are back for the 2026-27 season! As the regular season approaches, Last Word will preview each team's current outlook. We'll flag the stories worth watching for the year ahead, and we'll do our best to project how things go for each team throughout the campaign. Today, we're previewing …
Yankees news: Spencer Jones’ homecoming
A long-awaited San Diego return; Grisham leaves with injury; Yankees prospect’s slap-happy approach; 9/11 commemoration plans
BepiColombo sheds its ride and starts the final glide to Mercury
Eight year after launch, Mercury probe and its Mercury Transfer Module consciously uncouple as orbit approaches
Why new Newcastle United approach could finally cause Bournemouth problems
Bournemouth have become a proper pain in the backside for Newcastle United lately. It is not just bad luck either, there’s a reason why NUFC have found them so difficult.
‘Gutfeld!’: Trump never runs out of ideas for reapproaching politics
Comedian Joe Machi and the ‘Gutfeld!’ panel discuss the White House’s new MAGA-themed arcade games.
Former NFL Star Shares Bizarre Aaron Rodgers Metaphor
Aaron Rodgers is back with the Pittsburgh Steelers for one final season at the age of 42. He will turn 43 years old in December as the postseason approaches. His age and gradual decline in overall play has many analysts wondering if he still has what it takes to lead the Steelers to a Super […] The post Former NFL Star Shares Bizarre Aaron Rodgers Metaphor appeared first on HEAVY.
Boston Red Sox Taking Right Approach with Ailing Players
Whether it be Willson Contreras, Ceddanne Rafaela, Sonny Gray, or Jake Bennett, the Red Sox are taking the right approach to resting their banged-up players.
FUSUS: Using Technology to Build Public-Safety Partnerships with Businesses
The views expressed are those of the author and do not necessarily reflect the views of ASPA as an organization. By Mark P. Kling September 4, 2026 The Rialto Police Department’s approach to FUSUS demonstrates how local governments can introduce emerging public-safety technology while preserving transparency, business autonomy and community relationships. Rialto requires new business […]
What to know before attending this year’s Farm Science Review
Harvest is quickly approaching! It is incredible seeing what can happen with a more favorable than usual spring. However, while there is still some time, have you considered visiting the Farm Science Review? It’s a great way to connect leading industry professionals, learn from the experts, and see the latest and greatest innovations in agriculture.
Puck Drop Preview: 2026-27 Detroit Red Wings
Last Word On Hockey‘s Puck Drop Previews are back for the 2026-27 season! As the regular season approaches, Last Word will preview each team’s current outlook and stories to watch for the upcoming year. We’ll also do our best to project how things will go for each team throughout the campaign. Today, we’re previewing the 2026-27 …
In South Carolina, Newsom makes an early play for 2028 voters
Gov. Gavin Newsom’s trip to Alabama and the Carolinas offers an early look at his approach on the campaign trail as he moves toward a likely presidential bid in 2028.
Red Wings Two Truths and A Lie: September Preview Edition
Training camp for the Red Wings is less than a month away, and with the Red Wings season fast approaching, […]
Founding high school principal launches AI-fueled education business
Onetime teacher Marlee Strawn, who her students say had "eyes in the back of her head," has turned her innovative approach to special education, aided by AI.
How Motherwell's blueprint is defying second-season syndrome
New faces, same identity. Motherwell's approach has fans dreaming of a campaign that surpasses the highs of 2025-26.
Chaucer targets further global growth as business approaches $4 billion
Chaucer is targeting further growth through its overseas offices under a five-year strategy designed to build on its expansion from roughly $1 billion of insurance and reinsurance business in 2019-20 to about $3.7 billion to $3.8 billion today.
New method allows scientists to follow gene activity over time in the same cells
Researchers at MIT and the Broad Institute of MIT and Harvard invented a “cellular self-reporting” approach to make living cells share their own transcriptomes, so that scientists can analyze them without killing the cells.
Arizona Cardinals made initial low offer to Michael Wilson
It appears the Cardinals' approach to contract talks with Michael Wilson were similar to Trey McBride's.
Foldable iPhone Ultra: The Latest Rumors Before Apple's Event
We're less than a week away from the debut of Apple's first foldable iPhone, and rumors have been picking up as the event date approaches. Here's the latest. Subscribe to the MacRumors YouTube channel for more videos. MagSafe - Even though foldable iPhone dummies we saw earlier this year didn't have a MagSafe ring, Bloomberg's Mark Gurman claims all signs indicate MagSafe charging will be supported.
Frederick County Health Department Earns National Model Practice Award
A Frederick County approach to bringing health and social services directly into the community has earned one of the nation’s highest recognitions for
Murphy & Schrier Advocate for Patient-First American Approach to Health Care
WASHINGTON, DC – As health care costs continue to rise across the country, Congressman Greg Murphy, M.D. (R-NC-03), Chair of the GOP Doctors Caucus, and Con ...
A chef behind Michelin-starred Atelier brings approachable fine dining to Logan Square
Chef Christian Hunter is set to open Hooligan in Logan Square this fall.
Jonathon Brooks Sidelinded Ahead Of Panthers Season Opener
The Carolina Panthers are keeping a close eye on running back Jonathon Brooks as the regular season approaches. Brooks missed practice Tuesday and was again working off to the side with trainers Wednesday because of general soreness. The Panthers have not indicated that he suffered a new major injury, and the exact location of the…
Fort Bragg Veteran celebrates expansion of high-end experiential entertainment brand
Photo provided by EscapologyAfter 15 years as an Army officer at Fort Bragg, Fayetteville resident Dan Cooke transitioned to business ownership to bring high-end experiential entertainment to North Carolina, applying strict military operational systems to scale his footprint across the state.Cooke got his start in the Army’s Boots to Business program.“Boots to Business was instrumental in preparing me to start a company. The program taught me how to develop a business plan, conduct market and financial analysis and critically evaluate whether a business concept was actually viable,” shared Cooke. “What made the program particularly valuable was that the instructors and mentors had real-world business experience…At the end of the course, I had to present and defend that plan. From there, they directed me to SCORE, where mentors helped me further refine the plan. I eventually presented it to a bank, which was impressed with the level of preparation, and I secured the financing necessary to build the business.”As Cooke neared the end of his military career, he began to wonder what would come next. Through his faith and some valuable mentors, he found the right avenue for his entrepreneurial interests.“While working on my instrument pilot rating, my flight instructor happened to tell me about escape rooms and the economics behind building them. He thought they could make for an interesting business. I took the analytical skills I had developed in the military, along with what I learned through Boots to Business, and began comparing the escape-room model against other opportunities I was considering,” explained Cooke. Cooke opened his first Escapology location in Fayetteville in 2019.“My approach was to start small and prove the model. Fayetteville made sense because I was already there, understood the market and could minimize my initial risk. It also became clear very quickly that I needed a partner that could provide the creative design, branding and industry knowledge that I did not have. After researching a number of options, Escapology became that partner,” added Cooke.Following the success of his initial venue in Fayetteville and a venue in Charlotte that opened in 2023, Cooke recently expanded into Raleigh with his third Escapology venue at Crabtree Valley Mall.His North Carolina footprint now includes:Fayetteville: A 5-room venue launched right after his Army transition in 2019.Charlotte: A 10-room venue opened in 2023, doubling his original operational footprint.Raleigh (Crabtree Valley Mall): A 6-room venue opened in May 2026, with plans to expand to 10 full rooms.Beyond his venues, Cooke expanded his local footprint by launching Jade Solutions in Aberdeen, N.C., an OEM manufacturing business that now builds prop and technical solutions for Escapology venues systemwide.Cooke shared that his long-term goal is to continue expanding Escapology in a healthy and sustainable way while enjoying the journey. “I actually did not start an entertainment business because I personally loved escape rooms. I started a business because I love the game of business itself. Growing up, I loved military simulation games and business tycoon games. I eventually had the opportunity to experience the first of those in the real world — I went to war, led troops and played my part in the military. Today, I would much rather apply that same drive to the real-world game of building businesses.I don't play business computer games anymore. I get to wake up and do it for real every day,” shared Cooke.
These Russian Mathematicians Taught AI Models How to Talk to Each Other Without Using Words
A startup called Mostik has a wild new approach to combining the capabilities of AI models.
The science behind an ambitious cancer strategy
Advances in therapeutic approaches, combinations and the use of technology are fundamentally changing the way we think about cancer care.
How being the nice guy made Ivan Sher a Las Vegas luxury real estate powerhouse
Colleagues describe Ivan Sher, founder of IS Luxury, as approachable, authentic and relentlessly focused on relationships — qualities they say helped his company generate nearly $779 million in sal...
Richard Sherman Criticizes 49ers For Not Addressing Offensive Line Needs
Richard Sherman seemed to echo a common sentiment about how the 49ers have approached personnel moves and team building in recent years.
Entertainment Unleashed: Sphere Entertainment’s (SPHR) Innovative Approaches
Sands Capital, an investment management company, released its “Sands Capital Select Growth Fund” Q2 2026 investor letter. The letter can be downloaded here. Select Growth Fund targets U.S. businesses driving significant structural change through disruptive innovation. The fund returned 23.2% in the quarter, outperforming the Russell 1000 Growth Index’s 16.7%. U.S. large-cap growth equities rebounded […]
New literacy law brings science-of-reading training to hundreds of…
Oklahoma is beginning to implement a major overhaul of its approach to reading instruction after years of dismal literacy outcomes, with hundreds of…
August Monthly Review: ChatGPT In Epic
Death, taxes, another frontier lab healthcare launch inspiring truly insane LinkedIn takes. As much as I want to stay away, I repeatedly am the crewman unplugging his ears whenever we pass these sirens. So it’s not the first and probably not the last time we dial up the typewriter rather than tie ourselves to the mast. The full blow-by-blow timeline: Health API Guy is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe The End of the Standalone PHR (Jan 8): ChatGPT Health arrives for consumers, at the time powered by b.well. I was bullish on the approach in that the best way for the PHR to finally solve distribution was to meet consumers were they already are (i.e. When Horizontal Meets Healthcare (Jan 9): OpenAI for Healthcare puts out the shingle for enterprises, with SharePoint ingestion standing in for the EHR integration the product actually needed. Another One: Anthropic’s Healthcare Debut (Jan 16): Claude's version, on HealthEx rails instead of b.well, with Agent Skills for FHIR development as the one true vertical-specific investment. ChatGPT for Clinicians: The Trap Sprung (Apr 24): OpenAI filled in the missing GTM middle with a free product for verified clinicians, effectively peeling the enterprise wrapper off ChatGPT for Healthcare and taking the PLG fight directly to OpenEvidence. OpenAI’s Second Attempt at Health (Jul 31): a relaunch of their patient specific app, now branded Health in ChatGPT, where the privacy partition came out, the connectors thinned, and b.well disappeared in favor of first-party FHIR work against a smaller network Beyond a Shingle So what was announced now? Today, we’re introducing a new electronic health record integration that brings authorized patient context from Epic into ChatGPT for Healthcare, along with the Healthcare Public Data plugin for direct, structured access to official healthcare datasets like PubMed, DailyMed, and CMS Coverage. Together, these capabilities bring ChatGPT closer to the systems and sources healthcare teams trust, while supporting the controls and compliance healthcare work requires. The core portfolio is unchanged from prior announcements we delineated and discussed (aside from the relaunch of patient-facing). Since trade publications still seem to be confusing them by using the wrong names: Enterprise sales motion: ChatGPT for Healthcare Protecting their core product / PLG: ChatGPT for Clinicians Consumer/patient-facing product: Health in ChatGPT So really, this is a feature release (specifically for ChatGPT for Healthcare when it comes to EHR integration). What’s cool about it, though, is that we are moving beyond just putting out a shingle. Everything in the January enterprise launch was horizontalizable: Horizontal tech companies thus generally start verticalization with their “putting out a shingle phase”. Telling the world you’re open for business as a horizontal tech company reliably attracts early inbound interest from buyers who are already trying to force-fit horizontal tools into domain-specific workflows and are eager for any signal that the vendor intends to support their use case more directly. Nothing was really vertical specific, which is exactly what you'd expect from the ultimate hypergrowth horizontal company dipping their toes into specific industries. But eventually you have to stop changing the sign on the door and start changing the product. Can you guess where the horizontal product was going to run out of road? This is the core dilemma writ large: verticalization requires differentiation, while scale economics of consumer and horizontal push toward unification. I’ve buried the lede so deep here it will be painful to some readers, but what should be shocking to no one is that my perspective is that EHR integration is the only path that meaningfully resolves this tension for ChatGPT for Healthcare. Integration with Microsoft Sharepoint is fine, but it is categorically insufficient for any product that hopes to influence clinical decision-making. SMART Money Well here we are, eight months later! Real vertical investment has begun, which surprised a few people. One friend in the industry messaged me: “Absolutely no way Epic gave ChatGPT API access.” Looking forensically at the announcements, the integration is notably read-only across appointment notes, laboratory results, medications, and specialist documentation. So while I’m not a betting man, I'd wager the house this is a SMART on FHIR launch: That sounds a lot like USCDI! The recommended path for the workflow they outline would be SMART on FHIR Their Health AI lead’s post is evocative of both standalone and EHR launch SMART, which another termed “ChartGPT” and “EHR Plugin” The implementation burden for SMART on FHIR is the lowest of the available integrative paths This is the team who literally did patient-facing SMART on FHIR with Epic last month Most importantly, if you’re a horizontal company, you generally still haven’t taken the full plunge and thus (overly) value reusability. SMART on FHIR is the logical compromise: healthcare-specific enough to matter, but standardized enough to reuse. Nobody Asked Judy Another friend asked “I thought they had to go to each health system, or did they go direct to Epic and now health systems opt in?” Given the trust paradigms in healthcare, this functionally cannot be Epic hoovering up all the data for OpenAI and shoving ChatGPT in their customers’ faces (or they would revolt). However, I do believe the aforementioned terrible coverage by TechCrunch and other outlets is probably responsible for that question, given the 325 million reference. When using FHIR as a business associate to an Epic customer, there is no EHR gatekeeping to speak of, as that isn’t how fhir.epic.com works: You register an app You pick your APIs You test against the sandbox APIs You list as “Ready for Production” Hospitals pick your app You test and go live with them Bluntly, nobody had to say yes or no in Verona (nor were they given the chance). Vendor Services (their next developer tier up that I doubt OpenAI is using quite yet in this initial release) certainly has contractual paperwork that some resent, but even there, the twin pressures of mounting antitrust and information blocking make outright gatekeeping increasingly fraught. My friend’s sentiment is, to me, representative of a broader industry neurosis, perhaps a sort of scar tissue of prior eras: people assume the gate is still there and never actually try the door. There are certainly other ways Epic (and any EHR) can put its thumb on the scale, but they are not so dumb as to stand in front of a federally mandated API and play bouncer at this exact moment in time. So I think they can and probably should go deeper, as this release is at best parity and at worst behind vertical-specific competition. OpenEvidence did a basic SMART launch with Sutter Health in February, allowing for more convenient evidence search by providers. They then add patient-context (the equivalent SMART on FHIR flow to what we see here) when Cedars-Sinai went enterprise-wide in May. UpToDate has four distinct applications across deeper workflows like patient engagement listed in Epic Showroom and announced a partnership with Epic to power Art at UGM Abridge and other ambient scribes have invested deeply into the deepest bidirectional clinical copilot workflow with integrations well beyond SMART on FHIR. In that light, the “Who is OpenAI primarily targeting here?” is clear. This release brings them into striking distance of OpenEvidence, but not the others quite yet. They are the only one of the three you can reach without building something truly Epic-specific. When will they go further? Competition is a great motivator to overcome the horizontal demons and start building things that can’t be reused: not across industries, not across EHRs, maybe not past the customer you built them for. That’s the price of actually verticalizing. The question is if and when OpenAI will be willing to pay it. Month in Review Here is the monthly review. As a reminder, this is a regular round-up of the month’s posts and other content to surface things you may have missed across regulation, litigation, interoperability, and beyond. AI assistance is used in these bullet summaries so I can focus on articles. Articles Published: None this month Video Content: The Information Exchange: Standards-based Thruple Edition (Aug 14): Back to school for us too, with Brad reporting in from the CMS Health Tech Ecosystem’s one year anniversary in DC. We get into the January CMS-0057 deadline, the fall rulemaking reading list, and why enrollment still keeps most apps off FHIR. The Information Exchange: Epic Dúnadan Edition (Aug 25): A UGM roundup with Ryan Brickner joining for the first time to check our takes against what the building actually thinks. Rangers, Ergo sitting on top of EHI, and a down-market lineup that needs some cuts. Regulatory: Stacked Deck, Bad Hand (Aug 05): ONC’s website refresh took the entire HIT Policy Committee record with it, so I rebuilt the archive and went looking for the regulatory capture story everyone assumes is buried in there. Stacking the deck and winning the hand turn out to be very different things. The Sixth Generation of Patient Access (Aug 19): A quick catalog of the five generations of patient access we’ve layered on since HIPAA, and the two candidates now competing to be the sixth. One is planned. The other is the market routing around the plan entirely. Court cases: Three Cases Walk Into a Docket (Aug 06): Two surprise settlements cleared the board in a single week, and then Judge Maddox dropped ninety-four pages on Vyne v. Henry Schein. The sleeper is a DMCA holding that makes direct-to-database a considerably riskier business model. Epic v. Health Gorilla: Into the MDL (Aug 10): Nine class actions are headed to Miami, and the Panel signaled it wants to bring the case that spawned them along too. That would leave Epic arguing the requests were obviously fraudulent in one courtroom and unknowable in the other. Amazon v. Perplexity: Agents Are Legalized! (Aug 11): The Ninth Circuit vacated the injunction against Comet, holding that the user is the one accessing the servers rather than the company that built the agent. A real win for agentic access, and a much narrower one than the headline suggests. Veeva v. Epic: Come At Me, Bro (Aug 26): Epic’s response brief wants the dismissal affirmed and, unusually, wants the opinion published as precedent. Buried in it is Epic’s own description of what its non-competes actually prohibit, which current and former employees should read closely. EHRs: The Contract Epic Would Never Sign Today (Aug 04): A 1999 SEC exhibit catches Epic licensing nearly its entire product line, Tapestry included, to the company that became TriZetto. The marketing services menu attached to it is the part that will make you blink. Forecast from Verona (Aug 07): The Epic Almanac makes one argument six different ways: the AI is only as good as the networks behind it. Emmie headlines, Art’s context stack is the most ambitious part, and Penny finally gets an autonomous coding date on the calendar. Works With Epic MyChart (Aug 17): Epic’s first new Showroom category since the death of Workshop certifies hardware instead of software, badge on the box and all. Made for iPhone, but for blood pressure cuffs, and rough news for anyone selling the RPM stack sitting in between. UGM Hot Takes 2026 (Aug 20): Everyone else covered the AI announcements, so I went after Savvy deleting the payment gateway, Rangers as Boost with the timer removed, and a down-market lineup with too many entries. Plus the Health Grid tidbits I cannot help myself on. MyChart Central Grows Up (Aug 24): Device data and Emmie turn Epic’s identity hub into a full consumer platform, which is both a logical answer to ChatGPT and a bit of a mistake. It also happens to be the best scraping target Epic has ever shipped. Industry Analysis: The Wrong Yardstick (Aug 12): Vertical software keeps getting judged against Superhuman and Notion, which is the wrong bar entirely. Your user is comparing your product to a whiteboard and forty phone calls before lunch. Primitives vs. Abstractions (Aug 27): Developers want building blocks, systems of record prefer to hand out business logic, and both sides have a real case. There’s no test from the outside that separates the engineering reason from the competitive one, which is why this keeps ending up in court. Cross-industry Comparisons: The Two Kinds of Platform Power (Aug 18): Attention power and record power are different problems that keep getting handed the same regulatory toolkit. Congress’s latest swing at Big Tech shows both what’s possible and where it falls apart. The Dogs of (Platform) War (Aug 21): A CourtListener alert turned up a property management fight with healthcare’s exact shape and none of the Cures Act. Shell prospects, ghost accounts, a notetaker bot that came back to haunt someone, and a lawyer arguing both sides of the same theory in two states. Fractals All the Way Down (Aug 31): Yardi dominates property management right up until you zoom into one segment, where AppFolio owns it outright and Yardi doesn’t appear at all. Where you draw the line around a B2B software market is about to decide an awful lot of cases. Other News: If Judy Had the Courage (Aug 13): A short eulogy for the era when software was allowed to look insane: WinAMP, bold colors, and everything the grey chatbot era has taken from us. External Media: Portland Monthly Health Tech Meetup: Erin O’Brien channeled my own feelings - maybe it’s just because it’s August and beautiful, but the monthly edition of the PDX Health community meetup was a ripper. Make sure to reach out if interested to join for the next one. STAT’s Coverage of Epic This Month: Brittany Trang of STAT did a fantastic job of breaking the FTC investigation that’s been lurking, as well as UGM related coverage, so I had to give her her wish of a meme. Fall Conferences: I’m pumped to be kicking off my fall conference season in NYC at Nabla Accelerate next month, which Chrissy provided the link to apply for. Here’s the rest of my schedule in case you want to meet up: Commonwell (Redwood Shores, CA): Oct 13-14 Open@Epic (Madison, WI): Oct 21-22 eHealthExchange (Austin, TX): Oct 27 Sequoia Project (Austin, TX): Oct 28-29 HLTH (Vegas): Nov 15-18 RSNA (Chicago): Nov 29-Dec 3 Posts I Liked: HTI-6 Should Unbundle API Certification: Josh Mandel makes the case that HTI-6 should split (g)(10) into separate authorization and data certifications, so a PACS or a genomics platform can certify only the role it actually performs. Imaging is the urgent example, but the structure solves a much bigger problem. On implementing ePrior Auth with Epic: Scott Rossignol’s field notes from a live ePrior Auth build on Epic, including the two app registrations nobody warns you about and the CPT mapping problem waiting at the end. CMS-0057 implementations are going to be such a beast. Healthcare point solutions are starting to look a lot like streaming services: Spencer Dorn runs the cable-to-streaming arc against health IT and lands squarely on the bundling half of the cycle. Bundling can be good! It can also be bad! Life is nuanced. Health API Guy is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe
Man City agree joint British record Enzo Fernandez move
Chelsea have agreed to sell midfielder Enzo Fernández to Manchester City for £125 million ($169 million), as Mykhailo Mudryk and Tosin Adarabioyo prepare to make deadline-day moves to rivals Tottenham. With the 11 pm (2200 GMT) deadline fast approaching, the Press Association understands a British record-equalling deal has been struck to take the Argentina international to the Etihad Stadium.
Google's answer to Canva is an AI tool where you prompt instead of design
With Google Pics, Google is pushing deeper into the creative software market dominated by Canva and Adobe, but with a distinctly AI-first approach.
As Carney takes stand against Trump, Canadian voters reward his party with sweep of 3 special elections
Prime Minister Mark Carney said the results amounted to an endorsement of his government’s approach.
Ayesha Curry Confirms Stephen Curry is Ready for His 18th NBA Season with Warriors
Ayesha Curry opened up about how Stephen Curry is approaching his future with the Golden State Warriors.
Clymer principal discusses art, science courses
CLYMER – With the upcoming school year approaching, Brianne Fadale, Clymer Central School’s building principal, gave an update to the school board during their most recent meeting on some plans for some specific courses for the year with the current changes in staffing. As far as course scheduling goes, Fadale said that things are being […]
Crystal Beach businesses prepare for possible flooding as tropical system approaches
WATCH: Trump says 'Medicare for All' doesn't work
The president was asked about Democratic candidates who want to use Medicare to provide universal access to health care — and he said his approach to have confidential drug pricing deals was superior.
One injection could keep osteoarthritis drugs working for weeks
Scientists have created an injectable gel that can remain inside arthritic joints for weeks, slowly releasing medication while also improving lubrication. The approach could make it easier to deliver disease-modifying drugs directly where they are needed while limiting exposure elsewhere in the body.
Seoul National University of Science and Technology develops AI framework to test and improve vision-system robustness
A new artificial intelligence (AI)-based system shows how natural damage to traffic signs can mislead deep neural network (DNN)-based vision systems. The framework, AdvWT, uses a generative model to learn realistic damage patterns and then optimize them to trigger misclassification. Tests across multiple AI architectures showed strong attack success, transferability and physical-world robustness. The approach can identify vulnerabilities and improve AI generalization to real-world damage.
Puck Drop Preview: 2026-27 Chicago Blackhawks
Last Word On Hockey‘s Puck Drop Previews are back for the 2026-27 season! As the regular season approaches, Last Word will preview each team’s current outlook and stories to watch for the upcoming year. We’ll also do our best to project how things will go for each team throughout the campaign. Today, we’re previewing the 2026-27 …
Scientists Capture First Molecular-Level Images of Water Reorganization During a Reaction Crucial for Life
New X-ray approach reveals how charge and surrounding water reorganize during a fundamental chemical reaction
Bayer's investigational PET tracer shows high accuracy for cardiac amyloidosis
The imaging agent could offer a new approach for diagnosing stiff heart syndrome, according to data presented during the European Society of Cardiology Congress.
Four Quick Thoughts on Patriots Initial 53-Man Roster Cutdown
Expect the team to be active and as coach Mike Vrabel said, "fluid" with the roster as the opener approaches on Sept. 9.
McCarty: State needs stricter approach to behavioral health factor of homelessness
(FOX40.COM) — This week on Inside California Politics, host Nikki Laurenzo spoke with Sacramento Mayor Kevin McCarty. McCarty is a part of the California Big City Mayors coalition, which is made up…
McCarty: State needs stricter approach to behavioral health factor of homelessness
(FOX40.COM) — This week on Inside California Politics, host Nikki Laurenzo spoke with Sacramento Mayor Kevin McCarty. McCarty is a part of the California Big City Mayors coalition, which is made up…
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.
Omni-liberalism: Why you should hold this framework in politics
Views staff writer Logan Walters examines “omni-liberalism" and argues for approaching policy with flexibility and skepticism.
Lifestyle Medicine and the Science of Cholesterol Reduction: A Systematic Review of Non-medication Approaches Among Adults
Dyslipidemia is a major modifiable risk factor for cardiovascular disease and remains highly prevalent despite advances in lipid-lowering therapy. Lifestyle medicine has emerged as a comprehensi...
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...
Integrated pollution and carbon mitigation delivers major health and economic cobenefits in China
Synergistic mitigation of air pollutants and greenhouse gases is crucial for achieving clean air and carbon neutrality, but quantitative evidence of sectoral and regional health co-benefits in China remains limited. Authors develop an integrated Energy-Economy-Air Quality-Health framework coupling CEEPA, GAINS, and a province-level health module to simulate fourteen policy scenarios from 2020 to 2050. Coordinated strategies reduce CO2 and pollutants (SO2, NOX, PM2.5) by 75% relative to 2020, avoiding more than 500,000 premature deaths by 2050 and yielding monetized gains of 1.07 trillion CNY. Health benefits concentrate in industrially dense and populous provinces, with near-term PM2.5 reductions driven by pollution control and long-term improvements reliant on decarbonization. The integrated approach achieves a benefit-to-cost ratio of 1.42, lowering abatement costs by 11% relative to pollution-only measures. These findings highlight the value of coordinated, sector- and region-specific strategies for simultaneous climate mitigation, air quality improvement, and public health protection.
This Iowa Democrat is stirring hopes of a red state comeback by charting his own path
Iowa has not elected a Democratic governor since 2006, but Rob Sand’s candidacy and his congenial approach to politics has stirred a sense of optimism for the party.
ABC7 Sports Overtime with Dionne Miller: Aug. 28, 2026
On the latest ABC7 Sports Overtime, Dionne Miller covered the latest with the Chicago Cubs and White Sox with the playoffs approaching, and previewed the Chicago Bears' final preseason game against the Tennessee Titans.
Buffalo Sabres Linked to Potential Connor Hellebuyck Move
The Winnipeg Jets prospects for the 2026-2027 season have been made more complicated after their franchise goaltender Connor Hellebuyck made his trade request from the organization public yesterday. This raises the sense of urgency for the team to get a Hellebuyck deal done soon as the new season approaches on the horizon. One team that […] The post Buffalo Sabres Linked to Potential Connor Hellebuyck Move appeared first on HEAVY.
From builder to philanthropist: How entrepreneurial business owners can navigate wealth transitions, identity and purpose
For many entrepreneurial business owners, the next phase involves giving—approached with the same intentionality that built their company.
How batteries are reshaping the solar power business model
Also in today’s newsletter, are global emissions approaching a peak?