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🌟 Champions League: 5 talking points from matchday 1
It’s finally back!The Champions League returns this week for the 2026-2027 season!Tuesday, Wednesday and Thursday: the first 18 fixtures of this new edition will be played across three days, with fi...
Six Flags Entertainment Corporation Introduces Flex Pay by Upgrade Allowing Guests to Purchase Season Passes and Qualifying Products Through Fixed Monthly Installments
Six Flags Entertainment Corporation introduced Flex Pay by Upgrade, a new payment option that allows eligible guests to purchase Season Passes and other qualifying products and pay over time through...
Serie A: Cagliari vs. Lecce
Fabio Pisacane and Eusebio Di Francesco have confirmed their selections as Cagliari host Lecce at the Unipol Domus in the penultimate match in the third round of 2026-27 Serie A fixtures.Cagliari have...
Google Messages slowly rolling out fix for bug that randomly sends old texts to other people
A bug in Google Messages is causing the app to randomly send old text messages to other random people and,...
Arsenal extends their superb head-to-head record over Chelsea
Arsenal have dominated their matches against Chelsea since Mikel Arteta became manager at the club, and the Gunners extended their dominance in the fixture in their latest meeting with the Blues.Mikel...
Blues must learn from Arsenal loss
Chelsea centre-back Maxence Lacroix says the Blues "deserved more" from their 2-1 defeat against Arsenal. The 26-year-old has featured in all four games for Xabi Alonso since his £52m move from Crystal Palace and although Chelsea have only lost one game, they have conceded seven goals in three league fixtures.
How can Tottenham fix their attacking problems?
Three games, zero goals and, against Nottingham Forest, zero shots on target
Most kids don’t know their rights. New book aims to fix that
Iowa City native and former public defender Emily Galvin Almanza has written “Andromeda Diaz and the Reasonable Doubt,” a middle-grade mystery to teach kids their constitutional rights and the power of due process.
Why is Sunderland vs Arsenal at 8pm on Saturday?
BBC Sport's Ask Me Anything team explains why Saturday's Premier League fixture between Sunderland and Arsenal is kicking off at 8pm
“Fascinating game” Arteta proud of his players’ performance against Chelsea
Mikel Arteta is proud of his Arsenal players after they came back from a goal down to beat Chelsea in the Premier League yesterday, describing the fixture as a game he thoroughly enjoyed.Chelsea opene...
Mixed zone: Lille-Betis, with the roof closed 🏟️
Real Betis will play their next European fixture at the Pierre Mauroy Stadium under a closed roof, according to Zona Mixta. The adverse weather conditions forecast in Lille have forced a last-minute d...
Opinion: Revaluation delay sacrifices businesses without fixing Hartford’s finances
Hartford Mayor Arunan Arulampalam wants to delay the city’s property revaluation as shifting home and office values threaten its financial stability.
3 Steps to Support Mental Health for Rural Youth
(Feature Impact) Young people face a growing number of pressures, including academic expectations, social responsibilities, complex family situations and uncertainty about their own futures. Mental health support is important for all – but in many rural areas, those pressures are even greater. TNCMS.AdManager.render({region: 'fixed-big-ad-top-asset', slot: 1, fold: "above"}); According to the Centers for Disease Control and Prevention, the suicide rate for rural youth ages 15-19 is 74% higher than their urban counterparts. Barriers like limited insurance coverage, unreliable internet for telehealth, scarce providers, long drive times and lack of public transportation make it harder to get mental healthcare when it’s needed. Plus, asking for help can feel like opening oneself up to judgment and stigmatization.That’s why Rural Minds, the only nonprofit focused on mental health for rural communities, created the Rural Youth Mental Wellness pilot program supported by Boehringer Ingelheim. It was developed by an advisory committee made up of rural youth to provide their peers with practical, free, accessible mental health resources. Incorporating feedback on the pilot, the updated program sponsored by the Sompo Foundation is now launching its national rollout.“A young person’s ZIP code should never determine whether they can access meaningful mental health support where and when they need it,” said Jessica L. Schleider, Ph.D., director, Lab for Scalable Mental Health, Northwestern University. “Our lab is thrilled to partner with Rural Minds as they champion evidence-based, anonymous, freely available support tools designed to overcome barriers to help-seeking faced by rural youth across the country.”If the rural mental health crisis affects you or a loved one, consider these ways to help.Break the Stigma Surrounding Mental HealthIn communities where self-reliance is valued, asking for help can sometimes be viewed as a sign of weakness. Young people who feel unheard and unsupported often struggle with being vulnerable, so they continue carrying their increasingly heavy burdens alone.Parents, educators, healthcare providers, community leaders and peers can work to change that culture by normalizing mental health conversations. This includes helping teenagers feel seen and accepted by educating them on mental health issues and coping strategies, listening to their experiences without judgment, sharing your own stories and reminding them it’s courageous to seek support.Consider Single-Session InterventionsThe first step is always the hardest when it comes to seeking mental health support, and not every struggling young person is ready or able to see a therapist. With access to free, confidential, self-guided materials to begin building mental wellness skills, the first step may be less scary. TNCMS.AdManager.render({region: 'fixed-big-ad-middle-asset', slot: 1, fold: "span"}); Single-Session Interventions (SSIs) are brief, structured online courses designed to teach youth practical skills for handling stress, low mood, self-image and more. The Rural Youth Mental Wellness Program offers SSIs in partnership with Project YES (Youth Empowerment and Support), a free digital resource developed with Northwestern University’s Lab for Scalable Mental Health at the Feinberg School of Medicine.Anonymous access to SSIs through the partnership provides strategies for:Improving moodRethinking body imageReframing negative thoughtsKnowing your power to changeTaking steps toward goalsProtecting LGBTQ+ prideHandling self-harm urgesStaying safe amid dark thoughtsEach SSI typically takes 5-10 minutes. Although SSIs are not a replacement for therapy, they provide a research-backed source of support for young people experiencing bouts of stress or low-to-moderate distress.Know When to Seek Professional HelpSelf-guided resources and supportive conversations are a valuable starting point, but sometimes young people need qualified professional help. Look for symptoms like worsening mood or behavior, substance use, self-harm or difficulty managing everyday tasks, and take teens seriously when they express dark feelings.Doctors and counselors can provide personalized support for youth in crisis, and the 988 Suicide and Crisis Lifeline offers free, confidential 24/7 support for mental health by dialing 9-8-8.“I grew up in a small town where mental health was almost taboo,” said committee member Asheton Medlin. “Being part of the committee that built this program let me help make sure rural youth today have the support I didn’t. I’m excited to help bring these resources to them because this generation deserves the chance to grow up and change the world.”Find more information at RuralMinds.org.Photos courtesy of Shutterstock TNCMS.AdManager.render({region: 'fixed-big-ad-bottom-asset', slot: 1, fold: "below"});
BUSINESS MONDAY: Spotlight on Pittsfield Health Food Centre
A longtime retail fixture in downtown Pittsfield—and a local pioneer in the natural health products market—has closed after six decades.
BUSINESS MONDAY: Spotlight on Pittsfield Health Food Centre
A longtime retail fixture in downtown Pittsfield—and a local pioneer in the natural health products market—has closed after six decades.
Is Tencent Music Entertainment Group (TME) Undervalued Following Its Near US$1b Debt Offering?
Debt offering puts Tencent Music Entertainment Group (TME) funding plans in focus Tencent Music Entertainment Group (NYSE:TME) recently completed two fixed income offerings totaling about US$997 million, issuing senior unsecured notes maturing in 2031 and 2036. The deals follow a fresh shelf registration for debt securities. At a share price of US$8.26, Tencent Music Entertainment Group has seen the share price return fall 13.33% over the past 30 days and 53.75% year to date. The 3 year total...
The core anti-Pangram constituency is phony writers
Welcome to The Closing Argument, our verdict on the news, plus everything The Argument published and appeared in this week. The Verdict, by Kelsey Piper A lot of people hate AI for drowning the internet in slop and displacing human creatives. You might think that these people would be thrilled by a program that can identify and flag AI-generated work. But many people who hate AI also hate Pangram, an impressively accurate AI detector that produces very few false positives, according to high-quality independent research. This loathing found its most recent expression in a bizarre Wired article that amplifies a wide range of false arguments from Pangram skeptics: that AI detectors are racist (they’re not) or ableist (they’re not)1 or don’t work (this one does)2. Rather than starting from the premise that it would be really valuable to have a working AI detector and scrutinizing Pangram to make sure it lives up to that promise, the article starts from the premise that Pangram obviously has bad vibes and sets out to discover why. (One answer: The CEO microwaved lunch during an interview!) Why aren’t writers who resent Pangram more eager to distinguish themselves from posters who are having ChatGPT ghostwrite all their work? There are a few different things at play, but I think one key dynamic is this: These are often the same people. A core constituency for arguments like Wired’s is “writers” who are using AI to write their posts but resent this fact being made public. They stand to lose from AI detectors because AI detectors call them out. Share When Substack announced a partnership with Pangram, a sizable fraction of the platform’s authors rose up in outrage. Some people had experience with other AI detectors that didn’t work, and some felt that AI writing ought to be encouraged — both of which are fair enough. But the fury was fueled by authors passionately insisting that Pangram kept wrongly accusing them on almost every post they published. Pangram can be wrong, especially on short passages. But in the overwhelming majority of cases where Pangram looked at a whole blog post rather than a single paragraph, the program correctly detected work as AI. Even if we can’t be 100% sure in any individual case, we can notice the trend in the aggregate. Wired quotes Sam Illingworth, a professor of critical AI literacy at Edinburgh Napier University, who said, “I don’t think [AI detectors] work. … I think that detectors are prejudiced against certain people.” This spring, he said that he used AI for research and editing; this summer he acknowledged that in addition to research and editing, he also uses it “now and then for a turn of phrase I keep.” Pangram informs us that most of his posts are 100% AI-written (some are mixed AI-and-human) and that 100% AI-written posts started appearing last year. The favorable interpretation is that, as someone whose recent work Pangram consistently mistakes for AI, Illingworth sees Pangram’s flaws firsthand. The unfavorable interpretation is that the tool’s credibility trades off against his own, because its account of who writes his posts is not consistent with his. Illingworth is not alone in insisting the detector does not work. “It’s a Monday night in late July, and I’m pasting my own Substack draft into an AI detector for the first time. Not because I’m worried. Because I’m curious. I wrote every word of it myself, the way I write everything, out loud in my head first, in a rhythm that still carries the accent of a language I learned to think in before I learned to write in this one,” begins one Substack post by an author indignant that Pangram flags her writing as AI. “That’s the part I had to sit with before I could write this.” If you, like me, have worked with AIs a lot, you won’t even need Pangram there. The author of that piece is AI. It is obviously AI! I checked 10 other posts on the blog, and they were also obviously AI! “I have spent 22 years as an award-winning author and essayist. And now this bullshit tool that learned from MY writing is going to accuse me of plagiarism,” popular Substack writer Carlyn Beccia wrote in an anti-Pangram post. “For the last and final time, AI DETECTORS DO NOT WORK.” Here’s what her writing sounded like in 2020: “Most success stories revolve around one person who believed enough in you to say — give it a try. We call these people muses, but they are so much more than that. They are the strong man giants whose shoulders we stand on so we can see the horizon. Throughout the editing process, I am sure my editor felt less like a giant of greatness and more like Atlas with the world on her shoulders.” Pangram says it was 100% human-written. (So were other articles of hers in 2020.) And here’s what it sounds like now: “And then there is the reshuffling, which sounds like paperwork until you remember that empires have always loved paperwork. The Trump regime recently moved special education oversight from the Education Department to HHS. That is not a minor bureaucratic transfer. It changes the frame.”3 Pangram says this is mostly AI. I am not convinced that Pangram is wrong. In my own experience, Pangram is very effective on long texts — if it marks a long essay as AI, the essay was either written by AI or deliberately written to sound like AI. On tweet-length or paragraph-length texts, it’s not perfectly reliable. It seems to work just as well for non-native English speakers as for native speakers. While I have seen dozens of claims of pre-2022 text returning a positive result on Pangram, I have tried repeatedly to corroborate those and have never once succeeded. To be clear, I’m absolutely not saying that complaining about Pangram suggests a writer is a cheat. There are plenty of other concerns. Most are mistakenly premised, such as the false claim that Pangram trains on work you put into it, but others are reasonable: It’s unreliable on sufficiently short text segments; it creates an internet witch-hunt mentality when there are defensible uses of AI; people who are open about their AI use are sometimes blamed, when the only people really doing something wrong are the ones who hide it; and it isn’t perfect, so a single positive result shouldn’t be taken as decisive proof of misconduct. I’m happy to concede that Pangram is imperfect and possible to over-rely on. If an author’s posts are mostly non-AI and one scans as partially AI, this could be a mistake. It’s also possible to defeat Pangram with intentional effort. If you think we need something more robust and more reliable, fine! But if you don’t like AI and don’t like Pangram, your attitude really ought to be that it’s a shame that our existing tools for AI detection are imperfect, and it’s important to invent better ones. If your stance is instead that AI is evil and so is looking for AI, then ultimately you’re contributing to the sloppification of the internet. You’re making it harder for people who write their own text to distinguish themselves, and providing cover for authors who are definitely not writing their own text. Subscribe Top stories this week, by Kobe Yank-Jacobs Commentators often worry that the decline of reading could mean the decline of liberal democracy — but deliberative governance actually predated widespread literacy. This week, Maibritt Henkel pointed out that many liberal cultures thrive on a culture of raucous, interactive debate, which can happen in-person as easily, if not more so, than in text. Read on, dear reader, to learn more. It may actually cheer you up: [ ](https://www.theargumentmag.com/p/reading-wont-save-liberalism) [ Reading won’t save liberalism ](https://www.theargumentmag.com/p/reading-wont-save-liberalism) Maibritt Henkel · Sep 1 [ Read full story ](https://www.theargumentmag.com/p/reading-wont-save-liberalism) It used to be bad to downplay climate change (if we mean denying its reality). Today, it’s actually good to downplay climate change (if we mean keeping the issue out of political fights so we can make real progress). This counterintuitive view is called “climate hushing,” and contributor Alex Trembath argued that it’s the key to enacting good policy going forward. Get up to speed on the latest in climate politics: [ ](https://www.theargumentmag.com/p/we-wont-stop-climate-change-by-talking) [ We won’t stop climate change by talking about it ](https://www.theargumentmag.com/p/we-wont-stop-climate-change-by-talking) Alex Trembath · Sep 2 [ Read full story ](https://www.theargumentmag.com/p/we-wont-stop-climate-change-by-talking) Canada’s Prime Minister Mark Carney is standing up for the forces of liberalism against Donald Trump’s assault on our closest ally. So, why is one prominent left-wing commenter attacking Carney? Columnist Matthew Yglesias explains: [ ](https://www.theargumentmag.com/p/when-economic-liberty-means-central) [ When "economic liberty" means central planning ](https://www.theargumentmag.com/p/when-economic-liberty-means-central) Matthew Yglesias · Aug 31 [ Read full story ](https://www.theargumentmag.com/p/when-economic-liberty-means-central) 🌟Abundance Wins of the Week🌟 Shout out to my home state of California, whose legislature passed two housing bills this week. One requires a housing density minimum in transit-oriented areas of the state’s most transit-rich cities (Los Angeles, Sacramento, San Francisco, Oakland, San Jose, San Diego, and Long Beach). Another bill closes two common loopholes used by third parties to delay housing projects, including an opportunity to challenge maps of a given lot created by the developer after a project has been approved. Shout out to our big-state rival, Texas, where pro-housing SB 785 took effect this week. The new state law requires municipalities to have at least one district permitted for manufactured housing without a special permit. This will promote zoning changes in 44% of municipalities. The company Fervo Energy signed a deal with Google for what is set to be the world’s largest enhanced geothermal facility, proving a technology can work at a scale that could be crucial to a decarbonized, energy-abundant economy. Share Worth watching… This week, forecasting legend Nate Silver joined Jerusalem, Matt, and Jeremiah on a crowded episode of the pod. It was a party. And speaking of parties, our round table debated the factional lines within the Democratic Party: Is it possible to be center-left and also anti-establishment? Watch or listen to find out: The Rio Grande Valley in Texas is one of the areas that swung hardest toward Trump in 2024, but musician Bobby Pulido is running to flip it back. Right now, The Argument/Split Ticket’s model has him running 1.1 points behind his Republican opponent in a district Trump won by 18 points. Tune in to find out how he differs from national Democrats and what he thinks he can to do win this seat. On Thursday, Bernie Sanders was among the first politicians to call for a ban on superintelligence. My guest this week, Andrea Miotti, has been lobbying to ban superintelligence for several years, most recently in the U.K., U.S., and Canada. I asked him how he gets legislators to take speculative risks seriously, and we dug into what plans might look like to actually pass a ban. Listen to learn more: What’s News with The Argument The Argument recommends, by Kobe Yank-Jacobs If we ever lose track of Justin Zuckerman, I’ll have the team split up and check all the movie theaters in the city. I’m shocked (and a little jealous) at how often he gets out to see good cinema. This week, he brings us It Ends, a “horror-ish movie,” which he described as a “Gen Z Waiting for Godot.” I was intrigued before he added that it was “funny, dark and existential” — at which point I was fully locked in. I guess I also had existential themes on the mind this week. One morning, a single line from a poem I read long ago just came to me: “Is death a stretch of time in which a life is just a flash?” The poem is called “From 20,000 Feet” by Heather McHugh. I suggest the version in The Vintage Book of Contemporary American Poetry, which, by tradition, my best friend and I always bring backpacking, extra weight be damned. We’ll stay thematically dark for just one more rec from senior editor John Robert Thomason, whose upcoming trip to Baltimore reminded him to suggest Michael Clune’s memoir White Out (about being addicted to heroin in Baltimore in the 1990s). Ben Lerner’s blurb called it _“_Disturbing, brilliant, hilarious—it’s as if Proust had written Jesus’ Son.” John told me this “seems accurate, with the caveat that I’ve never read Proust.” I, personally, have also shelved Proust until retirement. At this point, I was a little concerned for the team since all of us tossed out such psychologically grim material — maybe we’re all down about the end of summer — but thankfully, at least a few of us were into more upbeat selections. Milan Singh recommended Made In’s 5-quart stainless clad saucier, suggesting he had some fun in the kitchen. Jeremiah Johnson asked if he could recommend yet more Carly Rae Jepsen. Once denied, he offered up Game Changer instead_,_ calling it “the most wildly creative game show, maybe in the entire history of the genre.” Eli Richman mentioned _Lucky, “_a B-tier show with an A-tier cast and an S-tier theme song.” I suppose he was recommending the song, Horns of a Bull. Still, despite these cheerier recs, I couldn’t help but be concerned that we were subconsciously worried about racing toward summer’s end — the end of swim trunks and splashing around. Then a message landed reminding me of the three-day weekend to come. A whole extra day for sunshine. One more swim in the lake. I was grateful this called to mind yet another line from a poem, one by Mary Oliver, the patron saint of every gorgeous summer day (and about whom a documentary is now out). Speaking to God in the poem “Thirst,” she wrote: grant me, in your mercy,a little more time. Love for the earthand love for you are having such a longconversation in my heart. We have merch! We have quarter-zips, keychains, hats, and stickers. Each one is a great conversation starter in its own way. Buy them here. Subscribe More to read: [ The Opening Argument ](https://www.theargumentmag.com/p/seeing-like-an-elite)[ Seeing like an elite ](https://www.theargumentmag.com/p/seeing-like-an-elite) Kobe Yank-Jacobs · Sep 4 What do Americans hear when they watch Sen. Bernie Sanders or Vice President JD Vance rail against the elite? Are they thinking of right-wing tech billionaires? Imperious college professors? Liberal magazine writers? [ Read full story ](https://www.theargumentmag.com/p/seeing-like-an-elite) [ The Weekly Scroll ](https://www.theargumentmag.com/p/god-is-back-on-the-timeline)[ God is back on the timeline ](https://www.theargumentmag.com/p/god-is-back-on-the-timeline) Jeremiah Johnson · Sep 5 This week, we’re talking about Substack’s new religious debates, the continuing MAGA influencer scandal, how to retire from YouTube, and aura battles. [ Read full story ](https://www.theargumentmag.com/p/god-is-back-on-the-timeline) 1 This was a legitimate thing to worry about, but doesn’t seem to be a problem given the actual technology: Marijke Van Vlasselaer, Filip Van Droogenbroeck, and Bram Spruyt’s 2026 paper looks at whether Pangram is less accurate when evaluating the work of non-native speakers of English. It isn’t. That’s because Pangram isn’t really looking at how “unusual” a piece of writing is but whether it has the characteristic patterns of LLMs. The Wired article makes an odd gesture at a different Pangram-is-racist argument. There were several controversies this summer during which upcoming books were canceled after being discovered to be AI-written: “The three novels mentioned earlier — Shy Girl, Daggermouth, and Call Me, easily publishing’s biggest AI-detection scandals — were all written by writers of color.” But come on! As Zvi Mowshowitz put it: “They were not primarily written by people of color. They were primarily written by AIs.” That’s the whole problem! And as my colleague Jeremiah Johnson recently observed with respect to Cambridge’s Arday scandal, a community being unwilling to call out fraud if it’s perpetuated by people of color is not an anti-racist tendency; it is ultimately quite racist. 2 Many non-Pangram detectors don’t work, but many possible airplane designs also don’t work, and no one considers this a general argument against aviation; the thing that matters is whether any detection works. 3 The phrase “empires have always loved” mysteriously became all the rage in the last few years. See here, here, here, here and here. Before 2025, the only use of that phrase I have been able to find is a single Tweet. The logic of the sentence, too, is incoherent in an AI-characteristic way. “...sounds like paperwork, until you remember that empires have always loved paperwork”? Does remembering that make it sound less like paperwork? It’s a craft-ful sentence, but what is it actually saying??
What Michigan Must Fix Before Facing Oklahoma
Michigan got a miracle win against MAC opponent Western Michigan in week one and now must prepare for a daunting task as Oklahoma comes to town for week two.
Fixed transmission?
Will Smith has returned from injury. The Dodgers' offense has started to look like it’s supposed to on paper.
Early Husker Struggles but a Solid Day Overall for Nebraska
There was plenty to like and dislike about the Huskers' opening-game victory over Ohio. The next two weeks will be a crucial opportunity to see whether they can fix the issues before a tough conference schedule.
Manchester City Have Enzo Fernandez Problem Money Can’t Fix
Manchester City have a problem surrounding Enzo Fernandez that money can't really solve, but it does have one clear way out. The post Manchester City Have Enzo Fernandez Problem Money Can’t Fix appeared first on HEAVY.
Foldable phones still need to fix this problem
The camera bump, or "plateau," if you're Apple, creates a stability issue when the phone lays open on a flat surface. Samsung's Z Fold 8 still hasn't solved it.
Tottenham Handed Harsh Message After Nottingham Forest Draw
In three Premier League games, Tottenham Hotspur have yet to score a goal and have lost two of those fixtures. As a result, criticism is beginning to fall on manager Roberto De Zerbi and his tactical game plan.Moreover, in the most recent game against Nottingham Forest, Spurs failed to register a single shot on target, […] The post Tottenham Handed Harsh Message After Nottingham Forest Draw appeared first on HEAVY.
Barcelona XI vs Valencia – Predicted lineup and team news
Barcelona are set to face Valencia in their upcoming La Liga fixture on Sunday, aiming to extend their impressive winning streak at the start of the new campaign.Hansi Flick’s Barcelona have made a ...
Athletic Bilbao crush Simeone's flat Atletico
Athletic Bilbao thumped Atletico Madrid 3-0 in La Liga on a miserable Saturday afternoon for Diego Simeone's side.On Sunday, La Liga leaders Barcelona visit Valencia looking to move clear of Real Madrid, who lost 1-0 at Real Betis on Friday, among other fixtures. rbs/pb/dmc
Analysis: Tigers continue impressive start
Hull entered the third round of fixtures as one of only four Premier League clubs with a 100% record after two games. The majority of Hull's attacks on Saturday went through Mohamed Belloumi on the right wing and he almost gifted a third win from as many matches to the Tigers here with a stunning effort. The Algerian winger, 24, has shown in the opening weeks he has the quality to make an impact in the Premier League after starring in their promotion campaign.
Athletic Bilbao crush Simeone's flat Atletico
Athletic Bilbao thumped Atletico Madrid 3-0 in La Liga on a miserable Saturday afternoon for Diego Simeone's side.On Sunday La Liga leaders Barcelona visit Valencia looking to move clear of Real Madrid, who lost 1-0 at Real Betis on Friday, among other fixtures. rbs/pb
Manchester City x Coventry City - Highlights, Summary and Match Report
Manchester City beat Coventry City 1-0 at the Etihad Stadium in the third fixture of the Premier League 26/27, with Erling Haaland scoring the only goal of the game in the 26th minute.The decisive mom...
Analysis: Jaissle shows pragmatic side
This was the first meeting between the clubs since 1992 in which Eddie Howe has not been in either dugout - a total of 24 fixtures. On that occasion 34 years ago the late Kevin Keegan was Magpies boss while Tony Pulis was in charge of the Cherries. The Geordie nation will have relished some of the Keeganian attacking swagger shown by Newcastle's players so far under new boss Matthias Jaissle.
Arsenal women Champions League fixtures confirmed
Arsenal Women’s 2026/27 Champions League fixtures are confirmed, with dates and kick-off times set for six league-phase matches across Europe.Photo by David Ramos/Getty ImagesArsenal Women now know ...
The politicians who can fix America’s polarization problem will win (Opinion)
The elected officials who figure out how to govern across difference will dominate the next decade of American politics. With dysfunction and paralysis having become the status quo in Washington, elected officials who work together to get…
Fulham vs Crystal Palace – Match preview and team news
Two of the Premier League’s early strugglers meet at Craven Cottage on Saturday, with Fulham and Crystal Palace both still without a win after two rounds of fixtures.Alvaro Arbeloa’s Fulham sit 16...
Video: The C.D.C. Is Waging a Political Fight Over Measles Deaths
After Pennsylvania reported two measles deaths, the C.D.C. took the highly unusual step of challenging the state. Our reporter Apoorva Mandavilli explains how this tension between the Trump administration and states over health issues is creating confusion for Americans.
Joining Hull 'a no-brainer'
New Hull signing Lucas Herrington says he is enjoying being part of a "really special" squad. The 18-year-old defender has come on as a substitute in the Tigers' opening two Premier League fixtures since his move from from Colorado Rapids in August.
Ticket Information: Crystal Palace (H)
Leeds United are pleased to announce the ticket information for our home Premier League fixture versus Crystal Palace. The match will take place on Sunday 20th September 2026.Kick-off is scheduled for...
Dodgers Still Searching for Answers to Tucker’s Collapse
A $240 million investment faces a baffling crisis as Kyle Tucker’s struggles at home defy logic, leaving the Los Angeles Dodgers scrambling to fix their star.
Jaka Bijol: We have to be at our best
Ahead of Leeds United’s trip to the south coast to face Brighton & Hove Albion on Saturday afternoon, centre-half Jaka Bijol is expecting another tough test from our third Premier League fixture of ...
1K views · 24 reactions | Fish make up just a tiny fraction of...
Fish make up just a tiny fraction of Europe's economy. But they play a big role in its politics. Most recently, the fishing industry dominated the referendum on whether Iceland should restart talks...
Robinson to judge new Aberdeen side '15 games in'
Aberdeen manager Stephen Robinson says it would be "crazy" to judge his new-look side so early in the Scottish Premiership season. The Dons have been dealt a tough hand in their opening quartet of league fixtures, a sequence that included games against the top three teams from last term – Celtic, Hearts and Rangers.
Women's Champions League draw: WSL teams discover opponents
The draw for the league phase of the 2026/27 Champions League has been made with Arsenal, Chelsea, and Manchester City learning their fixtures.As usual, the draw was held in Nyon with each team findi...
Opponent watch: Valencia’s injury crisis deepens ahead of Barcelona visit
FC Barcelona will lock horns with Valencia this Sunday in a Matchday 4 fixture of the 2026/27 La Liga season.The Blaugrana will visit Mestalla having already won each of their three games this season ...
Holly Mears: It will be a good test
Leeds United Women take to another Yorkshire derby on Sunday, welcoming Huddersfield Town Women to the BD Community Stadium in the FA WNL Cup Group Stage.Ahead of the Group T fixture, goalkeeper and s...
The Health Care Crisis and How to Fix It
Democrats have glommed onto proposals such as the impractical Medicare for All and the inadequate public option. There’s a better way.
PSG vs Monaco – Predicted lineup and team news
PSG are ready to host Monaco at the Parc des Princes on Friday evening, marking their first Ligue 1 home fixture of the campaign.Luis Enrique’s side come into this clash hoping to move past a surpri...
Mortgage rates jump to highest level in over a year
The average rate on a 30-year fixed mortgage rose this week to 6.71%, according to the latest Freddie Mac data released Thursday. That is up from last week's reading of 6.66%.
Guild Wars 3 is the First MMO for Fans with ‘Real-Life Schedules’
The genre hasn't changed in 20 years. ArenaNet wants to fix that
Dragon’s Dogma 2: Dark Arisen Fixes the Sequel’s Biggest Flaw, but Combat Still Fights the Player for Control
We went hands-on with Dragon's Dogma 2: Dark Arisen at gamescom 2026, checking out the new features and content in the upcoming DLC.
Trump Administration Launches Blitz to Find Elusive Voter Fraud Ahead of Midterms
The practice is exceedingly rare, but President Trump has fixated on rooting it out this year, claiming without evidence that tens of thousands of noncitizens are registered to vote.
GTA 6 will finally ditch the series' tap-to-sprint controls
With GTA 6, Rockstar is finally switching out its archaic tap-to-sprint control scheme, which has featured in all mainline Grand Theft Auto titles since GTA III.
Xbox Network outage now fixed, Microsoft confirms
Microsoft has confirmed that the Xbox Network is experiencing a major outage which is preventing players from signing in to Xbox devices.
CAPCOM Finally Fixes Dragon’s Dogma 2 Biggest Flaw, As Patch 3.2 Brings Significant Performance Improvements On PC and Consoles
Patch 3.2 massively boosts Dragon's Dogma 2 performance on PC, PS5, Xbox, and Steam Deck ahead of Dark Arisen.
Joel Klatt wanted to be the ‘next Kirk Herbstreit.’ Klatt may have surpassed him
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Sports Streaming Is Broken. Can DC Fix It?
I’m old enough to remember the “bunny ears” antenna – which my little brother and I would take turns holding to banish the static from 1980s NFL broadcasts on our black-and-white TV. The challenges of watching televised sports in 2026 are different. At home, you have to figure out where a given game ...
The time for talking about healthcare costs has long passed
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iPhone 18 Pro Colors Apparently Include Black, But Skip Silver
iPhone 18 Pro colors could include Dark Cherry, Sky Blue, and Black, with a Silver option unlikely to make the final lineup, according to the leaker known as "Fixed Focus Digital". In a new post on Weibo, the leaker "Fixed Focus Digital" said the iPhone 18 Pro has entered full mass production and predicted a slightly different color lineup from what previous rumors have suggested, featuring Dark Cherry (also referred to as Burgundy), Sky Blue, and Black.
gamescom 2026’s Steam wishlist winners
gamescom wrapped up last weekend, and it was bloody fantastic. It really felt like the industry had a spring in its step again. The show itself was BUZZING, with 368K attendees (+3% over last year), maxed-out exhibit space, and Opening Night Live pulling over 78M online views (+7.5%). Let’s have a look at the games at the event that brought in the most new Steam wishlists between August 23 and 30. One quick thing before we start, and stop me if you’ve heard this one before, but wishlists are NOT a barometer for launch sales (they’re bookmarks, not baskets is what we always say over here at Alinea). With that aside, wishlists are a nice gauge of hype, so let’s dive in. Witche(r)s and Warlocks take the top two spots The biggest game of the event (by new wishlists, anyways) wasn’t a game at all. It was an expansion. The Witcher 3: Wild Hunt’s upcoming expansion, Songs of the Past, nabbed 451K Steam wishlists by the end of the weekend. It’s a big example of something we bang on about constantly: proven IP with built-in fandom is the most powerful force in this market. But said IP can also ripple into other external success stories (more on that later!). Anyway, Songs of the Past debuted at Opening Night Live, and it’s the first Witcher 3 expansion in over a decade, landing next year after a full Witcher 3 remaster (free for existing owners!) arrives next month. The Witcher 3 has sold around 66M copies, and I’ll be one of those owners jumping back in to refresh myself on the core game (like there isn’t enough to play!), then play the expansion next year. This is all part of CDPR’s plan. The studio is clearly whetting everyone’s appetite for The Witcher 4 in 2028 via a classic bridge strategy. Want more free estimates and insights in your inbox twice a week? Subscribe below! Subscribe Releasing a free 4K remaster next month – followed by a proper expansion in 2027 – keeps IP top-of-mind across a huge gap between content (games-wise, anyway). It kind of echoes Capcom’s evergreen catalogue strategy. And outsourcing co-development to Fool’s Theory (a studio led by trusted Witcher 3 veterans) keeps CDPR’s internal headcount focused on The Witcher 4. #2 by wishlists between Aug 23 and 30 went to another giant IP: Warlock: Dungeons & Dragons, published by Wizards of the Coast and developed by Invoke Studios (a team of ex-Far Cry, Watch Dogs, and Splinter Cell devs). It’s due to launch in 2027, and it looks brilliant so far. It’s a dark-fantasy open world with third-person spell-slinging. It’s a very Witcher-ish aesthetic. As you might expect, 48% of Warlock’s Steam wishlisters have played Baldur’s Gate 3, and 46% have played The Witcher 3. One to watch. For sure! Mash-ups: Anime GTA (!?) and a city-builder for kids (and adults) Ananta took #3 with 302K new wishlists. It’s an open-world game that looks like GTA and Persona had a baby. It was published by NetEase, developed by Naked Rain, and got a trailer at Opening Night Live. I got hands-on at the show, and it wears its influences openly; there’s literal web-slinging (very Spider-Man) and a LOAD of mini-games (Like a Dragon). It’s free-to-play and out in January. For Ananta, Naked Rain is taking the free-to-play, cosmetics-only route. That’s certainly a choice for a single-player open-world game. Without gacha mechanics driving high ARPU, Ananta is betting purely on top-of-funnel reach and long-term retention. This puts pressure on skin appeal when there’s no multiplayer lobby to flex in (although, co-op is reportedly coming later). Want more free estimates and insights in your inbox twice a week? Subscribe below! Subscribe Then there’s Lego Skylines (273K wishlists between Aug 23 and 30), which does exactly what it says on the tin. It’s a cosy Lego twist on the city-builder genre, as shallow or as deep as you fancy (five min quick sesh or ten-hour no-lifer session; latter for me). There’s some family-friendly stuff in there like couch co-op, which is only really viable on console. Iceflake Studios, which Paradox acquired back in 2020 is developing this one. So Paradox is probably looking for a family-friendly onramp to its rad Cities: Skylines games. The overlap there is plain, with 33% of Lego Skylines wishlisters having played Cities: Skylines and 16% Skylines II. There’s no doubt plenty of parents here (and uncles, ahem) planning to indoctrinate the next gen of city-builders. I’ll definitely be playing with my youngest nephew. This one could be big and educational. I’m very curious to see more. Want more free estimates and insights in your inbox twice a week? Subscribe below! Subscribe Mature IP, new and old, rounds out the list As for the rest of the list of gamescom games by new wishlists between Aug 23 and 30: Heroes of Might & Magic III Remake got 189K new wishlists. It remakes the iconic 1999 turn-based-strategy classic in full 3D and 4K. It follows this year’s Heroes of Might & Magic: Olden Era (~1.8M copies sold, as per our estimates), and around a quarter of the III Remake wishlisters have played Olden Era, including 7% of them this month. Wardogs – a $40 PvP shooter – added another 146K to an already massive pile (nearly 1.6M total). It’s published by Team17 and made by Bulkhead. It plays somewhere between the tactical squad stuff of … Squad and the all-out-chaos battlefield of … Battlefield. It’s up to 100 players, and it’s out in about 10 days. It’s already pre-sold over 500K copies on Steam ($16.6M), boosted by a pre-order-only beta. It sold another 70K copies during gamescom, too. Afterworld managed 121K new wishlists. It’s a Paradox-made post-apocalyptic grand-strategy game, and it was announced at the show. It’s a departure from Paradox’s usual historical stuff, and the studio’s first new setting in over a decade. The Paradox purists are into it, with over half its wishlisters having played Hearts of Iron IV (19% this month) and 41% Crusader Kings III (17% this month). Metro 2039 got 110K during the show, tunnelling its total past 1.3M. Nearly 40% of wishlisters have played 2020’s Metro Exodus, the previous mainline title in the series. The Metro novels are Russian, dev 4A Games is Ukrainian, and it’s set in Moscow, so it’s unsurprising that – after the US (17.3% of wishlisters) – the next two countries are Russia (12.7%) and Ukraine (10.0%). The Blood of the Dawnwalker drew in (the blood of) 108K new wishlisters, now totalling an impressive 1.7M (at a $70 price point, though). It’s an open-world dark-fantasy action-RPG set in 14th-century Europe (with vampires!), made by some former Witcher devs at Rebel Wolves. Again, it shows. Over half of Blood of the Dawnwalker’s wishlisters have played The Witcher 3, and its #2 market is Poland, home of Rebel Wolves. That’s that hometown-hero effect we keep banging on about again! And Blood of the Dawnwalker plays very well, by the way. While it looks like a Witcher clone on the surface, it actually brings a lot to the table mechanics-wise. I love the whole time-as-a-currency spin on RPG gameplay. It gives the game a different, refreshing pace. Essentially, you start Blood of the Dawnwalker with a pool of 480 action points spread across 30 days and 30 nights. As for how the game performs, we’ll be posting some numbers next week, so hit subscribe below to get that in your inbox when it’s ready. Subscribe The Witcher’s legacy ripples Make no mistake: on a high level, this was The Witcher‘s gamescom. The #1 game by wishlisters was a Witcher 3 DLC. Warlock is clearly Witcher-inspired – as is Blood of the Dawnwalker, which was made by ex-Witcher devs. There was a lot of other cool stuff on the floor that we’ll no doubt be covering in subsequent newsletters, though! As always, wishlists went through the roof for sequels, remakes, DLC, and licensed IP. As always, though, these wishlists will likely convert to about 5% to 10% of launch-day buyers, with the probable exception of The Witcher DLC – the exception that proves the rule. Either way, we’ve got a nice, diverse list here – one that is very Witcher-y, Paradox-y, and – if you’re a fan of great games on Steam – a bloody good list. We even got a bunch of new IP to get excited for. Great gamescom! Even if we are still processing that unfathomable number of mini Kölsch beers! One more thing: GTA 6 broke the internet (again) Move aside, Spider-Man and The Odyssey (I love you both, really). But the decade’s defining entertainment zeitgeist is round the corner. Unless you’ve been living under a rock, you’ll know that Rockstar dropped an extended look at GTA 6 last week. It was INSANE, the most impressed I’ve ever been by a showcase like this. You can see the budget seeping through every second of the extended look, and this level of game is unobtainable for any other publisher. Everyone’s going nuts, and rightly so. GTA 6 is out in holiday 2026, and it’ll be the biggest entertainment release ever, full stop. For those without a PS5 or Xbox Series console, a $500-$900 console is a big ask in this economy, but GTA will pull a lot of last-generation-console fence sitters over the current-gen fence either way: The autumn timing puts GTA 6 on (digital) shelves for the holidays, meaning a PS5 or Xbox (let’s be honest, mostly the former) will be on many a Christmas and Hanukkah list. Demand will outweigh the struggling supply, though, and PS5 Pros are already sold out and being sold at a markup via scalpers. Every console that isn’t on a shelf is a sale deferred or lost, and worse, it hands scalpers the margin. GTA has cultural clout that reaches everyone. It’s been a mainstream fixture since 2001’s GTA III and its clout has only grown exponentially since then. There’s a touchpoint for every generation alive. The FOMO-word-of-mouth double punch does the rest. Loading... It’ll reactivate the lockdown cohort, the millions who picked up gaming in 2020-21 and churned. GTA 6 will bring them back. Remember when College Football 25 brought a bunch of US gamers to current-gen consoles? GTA will do that globally. Once they’re back (or upgraded), and all GTA’d out, the fresh current-gen-console folks will check out the rest of the current-gen catalogue they missed. GTA Online, if not free to play, will also lead to a boost for PS+ and Xbox Game Pass, another boost for the ecosystem players. Want more free estimates and insights in your inbox twice a week? Subscribe below! Subscribe Even some of the smug PCMR 60FPS crew won’t be able to resist their FOMO and will bite the bullet on a console to play this one early (then double dip). The consoles cost the same as a decent stick of RAM these days anyway lmao… Don’t get me wrong, though. GTA 6 is no silver bullet for the mature console market, but it does prime the current gen for a couple of strong swan-song years. And it’ll also give the consoles more users from which to maximise ARPU. ‘’We are in the latter half of the lifetime cycle of [the PS5],’’ said Sony President and CEO Hiroki Totoki in a Wall Street Journal interview. ‘’That means we do not need to aggressively sell the console today; rather than that, we are focusing on the current revenue from the current user base.’’ The biggest, best premium games always arrive late in a console cycle, so getting more players aboard now, ahead of that content storm (the new current-gen-only Call of Duty included), is a clear win for the platforms. On the Netflix thing, though: let’s all chill out a bit, like. Half my LinkedIn feed was going bonkers treating the reveal debuting on Netflix like it’s the future of entertainment. It wasn’t. It was a six-hour head start, and Netflix left that detail out of the “first-of-its-kind partnership” press release. The extended look hit Netflix at 3pm ET on 27 August, then went up on YouTube and Rockstar’s site for everyone six hours later. And it was all over social immediately, anyways. This reveal was going to reach an untold number of people whether it debuted on Netflix, YouTube, a Times Square screen, or a group chat. The last trailer did nearly half a billion views in a day with no gatekeeper at all. Netflix just stood next to that audience for six hours, borrowing it. It’s was a tidy deal for Netflix, sure. But every outlet on earth was breaking the thing down frame by frame by the evening anyway. Anyway. I’m hype. And we’ll be covering some GTA numbers on the newsletter soon. So hit subscribe below to get that in your inbox when it’s ready! Subscribe The last word Reply to this email – or reach out here – if you have any feedback for the newsletter – or want to request a game for us to cover. [Alinea Analytics boasts the most accurate PC and console estimates in the business. Game makers use our platform to understand their audience, keep an eye on the competition, monitor sales trends, and spot new opportunities. We equip game studios and financial institutions with accurate data and the confidence to make smarter, data-driven decisions. Want to talk about all things games market data? We’d love to chat!]
CRC seawall science skeptics attempt 'political stand': Cahoon
The Coastal Resources Commission Science Panel's recently presented analysis and recommendations regarding proposed fixes for the Outer Banks' severe beach erosion were not the messages that commissioners opposed to the state ban on breakwaters and other hard structures on oceanfront wanted to hear, nor was the chair's sharp rebuke.
Mario Tennis Fever 1.1.1 update out now, patch notes
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Microsoft tests fix for latest hours-long Outlook outage
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Microsoft warns of TerminalFix attacks deploying reverse tunnels
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NVIDIA DLSS 5 Fixes Shadows Kingdom Come: Deliverance 2 Couldn’t Render, as Daniel Vávra Says Characters Finally Look As Intended
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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.
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The Alpharetta City Council has approved a plan to redevelop North Point Mall into a massive entertainment district.
This Week: SF Politics, Bike East Bay Volunteer Night, SFMTA Photo Archive
Here is a list of events this week. Tuesday SF Politics 101 with Joel Engardio. SF Politics 101 is a look at how local politics work and the history that shaped San Francisco—brought to life with visuals and narrative storytelling. Tuesday, August 25, 6-7:15 p.m. SPUR Urban Center, 654 Mission Street, S.F. Register to attend. Tuesday Bike East Bay Volunteer Night. Tackle projects while socializing with fellow advocates. Snacks provided. Tuesday, August 25, 6-8 p.m. Bike East Bay Office, 466 Water Street, Oakland. Wednesday SFMTA Photo Archive and Peter Hartlaub. Go back in time for an evening of photos, stories and conversation with the Chronicle, Mayor Art Agnos, and S.F. Muni. Wednesday, August 26, 5:30 p.m. Gray Area Foundation / Grand Theatre, 2667 Mission Street, S.F. Get tickets. Wednesday Smart City Cycling. Join the San Francisco Bicycle Coalition for a presentation for people interested in biking but intimidated by urban traffic plus anyone already riding who wants to hone their skills. Wednesday, August 26, 6-7:30 p.m. Anza Branch Public Library, 550 37th Avenue, S.F. Thursday Member Repair Party. Join the San Francisco Bicycle Coalition and learn how to repair your bike. Thursday, August 27, 5-7 p.m. San Francisco Bicycle Coalition, 1720 Market Street, S.F. RSVP required. Saturday The Bay Ride. Circumnavigate the San Francisco Bay while raising funds for cycling infrastructure that makes streets safer for everyone. Saturday, August 29, 7 a.m.-5 p.m. Starts at Sports Basement Presidio, 610 Old Mason Street, S.F. Saturday Flat Fix Clinic for Students and Families. Join the Safe Routes to School team at the Marina Branch Branch Library for a hands-on flat fix clinic. Saturday, August 29, 2-3:30 p.m. Marina Branch Public Library, 1890 Chestnut Street, S.F. Got an event we should know about? Drop us a line.
Inside the tough year for bond-investing hedge funds
Standalone credit managers and fixed-income teams at big-name firms have both struggled in 2026.
The crisis facing Aussie science
Homegrown research can lead the world if we fix what’s holding it back, writes Academy President Professor Sam Berkovic AC.
83% of phone storage issues is down to two culprits — here’s how to fix it
Based on recent reader poll, this step-by-step guide shows you how to tweak simple settings on iOS and Android to clear our your bloated storage.
You don’t need to change the world to get rich
There are two types of business pitches: raise VC funding for an AI-powered plumber booking tool, or borrow some cash from your mom to start a company that actually fixes people’s toilets.
Spalletti: Everybody here wants success
Serie A is finally back for our Men's First Team, who travel to take on Frosinone on Matchday 1 of the 2026/27 campaign. Kick-off is fixed for 18:30 CEST on Sunday, 23 August.Before setting off for La...
Kyle McCord Should Fix One Thing
OK, maybe one and a half things. But one thing for sure!
Good Gluten-Free Italian Requires A Dreamer’s Science
A restaurant in Tom's River changes hands, and a dreamer is making a go at fixing cross contamination in gluten-free dining
Extended HLs: Arsenal v. Coventry Matchweek 1
Relive full-match highlights from the opening fixture of the 2026-27 Premier League season as Arsenal host Coventry City at the Emirates.
Trump appears on former fixer-turned-enemy Michael Cohen's radio show
The interview lacked fireworks, but it marked a stunning public reunion between the two men
Trump appears on former fixer-turned-enemy Michael Cohen's radio show
The interview lacked fireworks, but it marked a stunning public reunion between the two men
Watch: Mark Cuban Says You Can’t Fix Healthcare Until Every Price Is Known
With his online pharmacy, Mark Cuban changed how generic drugs are sold — and he has thoughts about how to fix the healthcare system. The billionaire businessman talks to KFF Health News’ Julie Rovner to answer the question: “How Would You Fix It?”
Michael Cohen, Trump's former fixer-turned-enemy, is hosting the president on his radio show
President Donald Trump is expected to make a public reunion with the man who once called him a “Cheeto-dusted cartoon villain” and testified against him both in court and before Congress.
Michael Cohen, Trump's former fixer-turned-enemy, is hosting the president on his radio show
President Donald Trump is expected to appear on the radio show of his former fixer-turned-foe Michael Cohen
Customer Service Is Declining. It's Time to Take a Closer Look at What's Happening Inside Your Business.
What's causing the decline in customer service levels, and what can you do to address it in your business?
Mortgage rates fall for second consecutive week
The average rate on a 30-year fixed mortgage fell this week to 6.65%, according to the latest Freddie Mac data released Thursday. That is down from last week's reading of 6.67%.
Barry or Beto? How should Everton's XI look?
Speaking to BBC Radio Merseyside, Everton fan Natalie Bargery has picked her XI for the Crystal Palace fixture at Hill Dickinson Stadium on Saturday. Bargery described Branthwaite as the "first outfield name on the teamsheet" and added he is in "100%" of Evertonians starting line-ups.
Major feature fails to work with the Google Messages app on new phones
There is a weird workaround that will supposedly fix this issue.