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Yale School of Medicine On the Science of Childhood Anxiety, Say, Anxiety Disorders Are the Most Common Mental Health Challenges In Youth

Credit: Matt Bradbury October 5, 2026 - By Isabella Backman - Anxiety disorders are the most common mental health challenges in youth. Left untreated, they can disrupt the lives of both children and their families. The good news is that with intervention, most children will overcome these conditions. Across Yale School of Medicine, scientists are working to understand anxiety at every level, from common anxious behaviors to molecular biomarkers in the brain. They are using their findings to develop and disseminate new evidence-based treatments for childhood anxiety. Today, the go-to treatment for childhood anxiety disorders is cognitive behavioral therapy (CBT). This is a form of psychotherapy that teaches children skills for confronting anxious thoughts and helps them practice managing situations that cause anxiety. While it is the gold-standard treatment backed by considerable scientific evidence, up to 50% of children will not see sufficient benefit from CBT alone. Wendy Silverman, PhD, Alfred A. Messer Professor in the Child Study Center, co-directs the Anxiety and Mood Disorders Program alongside Eli Lebowitz, PhD, associate professor in the Child Study Center. One of their main interests is learning how to improve outcomes beyond CBT. “We’re developing cutting-edge, research-based knowledge that can reduce the suffering that anxiety causes children and their families,” says Silverman. Changing parent behavior YSM experts are investigating how to improve CBT outcomes for children by involving the parents. Silverman’s research has uncovered two main components of parent intervention that improve childhood anxiety: not enabling children to completely avoid the things that make them anxious and taking steps to enhance their autonomy. Parents may unintentionally reinforce their child’s anxiety by allowing them to avoid what makes them anxious. They also may unintentionally limit the children’s sense of autonomy by being overly intrusive. “One of the things that we take pride in is that we’ve focused on trying to understand what parents need to do, and to test our ideas and see if changing the parents’ behaviors is enhancing the effects of CBT,” Silverman says. “Our findings thus far suggest that they do." As much as CBT can be helpful, it can also be challenging to get one’s child to do the necessary steps for CBT to work. This is one important reason why Lebowitz created a novel intervention program for parents named Supportive Parenting for Anxious Childhood Emotions (SPACE). Existing intervention programs often teach parents to act as therapists for their child, such as training them on how to practice breathing exercises. “It makes sense, but this doesn’t work very well in practice,” says Lebowitz. “And part of the reason, I think, is that it’s not easy to get your kid to do things, especially if they’re not excited about doing it.” SPACE is unique because it focuses entirely on parent involvement and changing parental behavior—children are not involved in the sessions. For example, parents learn how to use supportive messages that convey confidence that their child can tolerate and manage distress. “It might sound like a parent saying to a child, ‘I get that this is really hard for you, but I know that you can handle it,’” Lebowitz says. The program also works with parents to identify the ways in which they are accommodating anxious behaviors. “We’ll pick one thing that parents are doing that is an accommodation and help them make a detailed plan for how they’re going to change that,” Lebowitz explains. Treating Anxiety in Children and Adolescents Much of the existing research on SPACE has focused on parents of children under age 14. Ongoing studies are now exploring its use with parents of older teens. “Both anxiety and accommodation can interfere with normative developmental shifts during the teen years, including increased autonomy and individuation from parents,” says Rebecca Etkin, PhD, associate research scientist in the Child Study Center. “In this sense, SPACE may be particularly well-suited for anxious teens and their parents. We want to see whether it is effective during this distinct developmental window.” Unfortunately, many families in need of CBT face barriers, including limited availability of services and geographic constraints. One way to improve access is digital interventions. Silverman and her team are developing an evidence-based digitized intervention program for parents that they can access directly from their computer or smart phone. “The work we’re doing will be one of the very few parent interventions that is digitized and importantly tested for effectiveness,” she says. Creating interventions for anxiety-related challenges Silverman and Lebowitz recently received a generous gift to develop and test other interventions that help parents reduce other child anxiety-related behavioral and emotional difficulties, such as restrictive eating and unexplained somatic symptoms. One of these projects in particular focuses on understanding the risks of social media and its potential benefits, including offering a sense of connection. “A lot of research has focused on the idea that social media is harmful and the less of it the better,” says Lebowitz. “But we actually see is that this is not quite right—there are negatives, but there are also positives. So, we’re trying to get a little bit more nuanced of a picture.” The team is working with teens with social anxiety and their parents over an extended period to better understand their social media habits and how their anxiety levels affect engagement with different platforms. The teens will answer questions sent to an app on their phones about mood and social media usage in an effort to capture emotional responses as they unfold. “We hope to develop interventions that can help make the best of social media while protecting against the more problematic effects,” Lebowitz says. The brain’s role in anxiety Researchers are also testing therapies to address anxiety at the neurological and molecular levels. In collaboration with Dylan Gee, PhD, professor of psychology in Yale's Faculty of Arts and Sciences, and Hilary Blumberg, MD, John and Hope Furth Professor of Psychiatric Neuroscience at Yale School of Medicine, Lebowitz and Silverman are using brain imaging to identify changes in a child’s brain before and after parents enroll in SPACE. In one study, children viewed anxiety-inducing images while undergoing magnetic resonance imaging (MRI); the researchers conducted scans with and without the children’s parents nearby. Before SPACE, children’s brains were better able to activate the regulatory circuitry needed to turn off an anxious response when their parents were nearby. But after SPACE, children could activate this circuitry even without the parent around. “As parents work on gradually reducing some of their accommodations, you can see a child get better at regulating their own fear system in the brain,” Lebowitz says. “It’s remarkable.” Research into the molecular underpinnings of anxiety can also inform new childhood anxiety treatments. In a recent study, Lebowitz, Silverman, and Flora Vaccarino, MD, Harris Professor in the Child Study Center, discovered that a protein known as fibroblast growth factor 2 (FGF2) could be protective from the toxic effects of stress. FGF2 levels in children and their parents were linked to the children’s risk of developing anxiety and depression, the study showed. The findings could help explain why some children who are exposed to early life trauma such as poverty or abuse are more prone to developing mental health disorders. And FGF2 could be a target for treatment. “This is very novel because it starts to give a clue to what is the molecular chain that connects those lived experiences to the actual psychological outcomes,” Lebowitz says. New ways to study and treat childhood anxiety Michael Crowley, PhD, associate professor in the Child Study Center, collaborates with Silverman and Lebowitz to study the role that attention plays in development and maintenance of childhood anxiety. There is a large body of research that shows that anxious children, like anxious adults, are prone to focus on threatening stimuli such as angry faces compared with neutral faces. This has led to innovative interventions that involve attention retraining. The idea is that if experts train children to look away from threatening stimuli, it may reduce their anxiety—especially children with social anxiety who are most prone to attend to threats. The researchers have just completed a clinical trial for attention retraining with 10- to 14-year-olds with social anxiety disorders and are currently analyzing the findings. Besides this innovative attention retraining research, as Crowly notes, “I like to design tasks that are engaging to kids,” Crowley says. “My goal is to assess something without the kids knowing what we are assessing.” With this goal in mind, Crowley has created a virtual game, named Boom, to study threat processing in children with anxiety disorders. The game is similar to that of hot potato—the child and three digital players take turns virtually passing a ball to each other’s gloves. At some point, the ball turns into a bomb, and as the bomb lands in each player’s glove, the outline of the glove turns yellow. The goal is to avoid having the bomb go off in your glove. What isn’t obvious is that the game is designed to measure different types of threatening stimuli, both ambiguous and direct. In the game, the direct threat occurs as the bomb is traveling towards your glove. The ambiguous threat is the yellow outlined glove as it is unknown where the bomb will travel next. While children play the game, Crowley’s team measures their brain activity using electroencephalography (EEG). The researchers have discovered that in kids with anxiety, the brain reacts more strongly to ambiguous threats than it does in their peers, but less strongly to direct threats. They believe that the initial abnormally large brain response to not knowing where the bomb is going impairs the brain's ability to properly respond when the threat is actually traveling the child’s way. “The brains of children with anxiety are unable to differentiate between threats you need to do something about and those that are not your problem.” Michael Crowley, PhD, develops innovative games for studying anxiety in children and adolescents.Credit: Matt Bradbury Based on these insights, Crowley hopes to study whether interventions like attention training could restore appropriate threat processing. Crowley’s team is also working on a test called the Balloon Risk Avoidance Task, which evaluates risk-taking and avoidance behaviors. It features a digital balloon that is full of air and about to burst. Kids have six seconds to let air out of the balloon. The more air they let out, the less risk they face that the balloon will pop. But at the same time, the balloon becomes less valuable as it deflates. “The more air you keep in the balloon, the more points you get,” Crowley explains. So far, the researchers have found that when the balloons pop unexpectedly, teens with social anxiety show distinct brain responses. Studying these responses can help psychologists understand the underlying pathways driving the various manifestations of anxiety. The genetics of anxiety When Thomas Fernandez, MD, associate professor in the Child Study Center and of psychiatry, was still in training, there was a lot of excitement about understanding the genetics associated with autism spectrum disorder. Since then, scientists have identified around 250 genes associated with autism. The genetic contribution to anxiety disorders, on the other hand, has historically received less attention. Anxiety is less heritable than autism, but the genetic contribution for anxiety disorders that emerge in childhood may be higher than for anxiety disorders overall. While scientists estimate the heritability of anxiety disorders in general to be around 30% to 50%, some studies suggest higher heritability for certain childhood-onset anxiety presentations. “I saw firsthand how researchers in the field went about finding vulnerability genes for autism,” Fernandez says. “So, we’re using a very similar playbook for childhood anxiety.” “I saw firsthand how researchers in the field went about finding vulnerability genes for autism. So, we’re using a very similar playbook for childhood anxiety.” Thomas Fernandez, MD Associate Professor In the Child Study Center and in Psychiatry Now, Fernandez and Emily Olfson, MD, PhD, assistant professor in the Child Study Center, are studying children and their parents to identify genetic changes that are present in the child but not the parents, known as “de novo mutations.” “All of us have some de novo mutations—maybe about 50 to 100 sprinkled throughout the genome,” Olfson says. “But when they occur within the coding regions of genes, they can be really disruptive.” Previous research shows that people with autism have higher rates of damaging de novo mutations than the general population. In 2022, Olfson, Lebowitz, Silverman, and Fernandez published a study on 68 children and their families that found that children with anxiety had similarly high levels of these mutations. Studying de novo mutations can help point the researchers to where they should be looking for genes associated with anxiety. “The end game is using the genes to steer us toward the right part of biology that we can then target to come up with better treatments,” Fernandez says. Building on those findings, the team is now studying more families to better understand how these de novo mutations, along with other genetic and environmental factors, shape pediatric anxiety disorders. They recently received a National Institutes of Health grant to enroll 750 new families over the next five years. Olfson is the principal investigator, with co-investigators Lebowitz, Fernandez, Silverman, and Shuangge Steven Ma, PhD, department chair and professor of biostatistics at Yale School of Public Health. Neurodevelopment, Risk Genes, and Mental Health Conditions - The Olfson Lab Joel Gelernter, MD, Foundations Fund Professor of Psychiatry, is interested in how different anxiety disorders differ genomically. “We are studying social phobia, panic disorder, and generalized anxiety disorder, working to understand why people differ in their risk to these specific anxiety disorders and evaluating various risk factors,” he says. Gelernter was recently involved in one of the largest studies to date of the genomics underlying anxiety disorder. The study included around 122,000 people with anxiety disorders and around 730,000 without. It found that some genetic differences associated with anxiety were linked to signaling that helps reduce overactivity in the nervous system. Many anxiety medications available today work by targeting this process. “It’s nice when the biology that you get out of a large genome-wide study ratifies things that we already know because that can help increase confidence in further findings from the study,” Gelernter says. Uncovering the neurobiology of psychiatric disorders John Krystal, MD, Robert L. McNeil, Jr. Professor of Translational Research and chair of the Department of Psychiatry, is interested in the neurobiology of psychiatric disorders, including post-traumatic stress disorder (PTSD), of which anxiety is a major symptom. In the late 1980s, Krystal’s team discovered that the drug yohimbine activated symptoms in patients with PTSD. “This was the first time we could link a specific biological mechanism to the symptoms of PTSD,” Krystal says. At the time, he adds, this finding was highly controversial. “A lot of people felt that PTSD was a purely psychological syndrome that didn’t have an underlying biology.” Since then, Krystal has dived deep into understanding the neurobiology of PTSD to learn how to better treat it. His team is evaluating the use of ketamine and psychedelics. These would be among the first treatments to be developed specifically for PTSD. They may also be applicable for other disorders including anxiety disorders, Krystal adds. An important gap in PTSD treatment is the absence of biological tests that inform how to best help patients manage their PTSD symptoms. A doctor doesn’t diagnose cancer based on how they feel. Rather, they use tests of the biology of the cancer to determine the best course of treatment. “And we can’t do that in any psychiatric disorder other than Alzheimer’s disease,” Krystal says. “But now we are building a foundation for this approach to the treatment of anxiety disorders for the first time.” Source: Yale School of Medicine

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Oct 5 • 6:44 AM EDT • Science • goldrushcam.com
Top salaries at VNA Health Care 2024

VNA Health Care is an Aurora-based not-for-profit Federally Qualified Health Center that serves nearly 90,000 patients a year.

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Oct 5 • 6:19 AM EDT • Health • chicagobusiness.com
Top salaries at VNA Health Care 2024

VNA Health Care is an Aurora-based not-for-profit Federally Qualified Health Center that serves nearly 90,000 patients a year.

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Oct 5 • 6:19 AM EDT • Business • chicagobusiness.com
'The Outsiders' review: A dynamic staging at the Hollywood Pantages

'The Outsiders,' winner of the 2024 Tony for best musical and based on the classic S.E. Hinton novel, has its L.A. premiere at the Hollywood Pantages Theatre.

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Oct 5 • 6:00 AM EDT • Entertainment • latimes.com
ASUS Announces New 64GB Configuration of the Ascent GX10

ASUS today announced a new 64 GB configuration of ASUS Ascent GX10, expanding the lineup alongside the existing 128 GB model. This compact AI supercomputer is designed to bring local agentic AI development within reach of more developers, researchers and data scientists. Based on the NVIDIA DGX...

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Oct 5 • 4:28 AM EDT • Technology • techpowerup.com
Yale New Haven Hospital designed new center to calm mental health crises

Amid rising pediatric mental health emergencies, Yale New Haven Hospital opened the state’s only hospital-based center for children experiencing mental health crises this July. The center prides itself on therapeutic services and patient autonomy.

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Oct 5 • 3:32 AM EDT • Health • yaledailynews.com
Total Access Elevator Buys Competitor

Total Access Elevator, an elevator servicing company based in Santa Fe Springs, has made its fourth acquisition in a buying spree aimed at gaining market

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Oct 5 • 3:25 AM EDT • Business • labusinessjournal.com
Wahine Mālama ʻĀina

Mālama ‘āina is the Hawaiian values-based practice of caring for, protecting and honoring the natural world. For this year’s Wahine issue, Hawaii Business Magazine recognizes five women doing vital work to steward Hawai‘i’s land and ocean — from conserving culturally and ecologically significant sites and mitigating invasive pests to restoring coral reefs and revitalizing the traditional ahupua‘a system.

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Oct 5 • 3:00 AM EDT • Business • hawaiibusiness.com
MedX Health Appoints Monaderm as a Representative for SkinSecure™ Across Europe for Beauty and Aesthetics Research

MISSISSAUGA, Ontario, October 05, 2026--MedX Health Corp. (TSXV: MDX), a data-driven skin health analytics company, today announced the appointment of Monaderm, the Monaco-based skin measurement specialist, as a key European sales agent for SkinSecure™, expanding the commercial reach of its non-invasive, objective biological skin measurement technology, which maps collagen, melanin and hemoglobin non-invasively in living skin in a single 30-second capture, across the European cosmetics and skin

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Oct 5 • 12:00 AM EDT • Health • finance.yahoo.com
Chourio walk-off single lifts Brewers over Padres

Jackson Chourio smacked a walk-off two-run single to give the Milwaukee Brewers a 4-3 victory over the San Diego Padres on Sunday and a commanding 2-0 lead in their Major League Baseball playoff series.For the second straight day the Brewers rallied from 2-0 down to beat the Padres, who are now in survival mode as the best-of-five National League division series shifts to San Diego for game three on Tuesday.

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Oct 4 • 8:14 PM EDT • Sports • sports.yahoo.com
Bora Biologics and Protect Animal Health Enter Strategic, Long-Term Multi-Project Collaboration to Advance Antibody-Based Animal Health Products

Partnership includes development and manufacturing support for multiple monoclonal and bispecific antibody programs targeting U.S. and global animal health markets

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Oct 4 • 8:02 PM EDT • Health • rutlandherald.com
CaSE calls for government and science sector to ensure R&D ...

Science policy organisation says a long-term vision and stable funding base is needed as public support for R&D is not a given

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Oct 4 • 8:00 PM EDT • Science • chemistryworld.com
WHO joins Pre-COP31 to advance climate action that delivers for people’s health

The World Health Organization (WHO) is joining Pacific leaders, governments and partners at Pre-COP31 in Fiji from 5 to 8 October to advance health priorities in climate action and strengthen the Pacific voice ahead of the 31st Conference of the Parties (COP31) to the United Nations Framework Convention on Climate Change (UNFCCC).COP31, to be held next month in Antalya, Türkiye, marks an important step for global climate and health action. Health is one of the 10 priority themes of the COP31 Action Agenda, “Dynamic and Resilient Health Systems”, and a dedicated Health Day will take place on 9 November, the first day of COP31. The inclusion of health reflects growing global recognition that climate action and health are closely connected. The climate crisis is affecting population health globally. Across the WHO Western Pacific Region, which includes Pacific island countries and areas, the consequences of climate change include extreme heat, cyclones, floods, rising sea levels, food and water insecurity, infectious diseases and disruptions to essential health services. The Pacific in particular faces additional challenges. A recent review of 76 hospitals in 14 Pacific island countries found that 62% of health facilities are located within 500 metres of the sea or a river, leaving them particularly exposed to flooding, storm surges and sea-level rise.Bringing Pacific priorities to the global climate agendaThe Pacific Pre-COP31 provides an important opportunity for Pacific countries and partners to consolidate regional priorities and bring the experiences and leadership of Pacific communities into global climate discussions.Pacific countries have been advancing practical approaches to protect health in a changing climate, including strengthening climate-resilient health systems, improving preparedness for extreme weather events, building resilient health infrastructure and mobilizing climate finance for health. “This Pre-COP is an important moment for the Pacific, bringing global climate discussions to a region that has long been at the forefront of the climate crisis. It provides an opportunity for Pacific countries and areas to set their priorities, experiences and leadership on the global stage, and to ensure that the realities of Pacific communities are genuinely reflected in the decisions made on climate action,” said Dr Saia Ma’u Piukala, WHO Regional Director for the Western Pacific.Throughout this week, WHO will co-convene and participate in high-level discussions and events focused on climate and health, climate resilience, adaptation, financing and implementation. “Climate finance is essential for resilient and healthy Pacific communities,” emphasized Dr Mark Jacobs, WHO Representative to the South Pacific and Director of Pacific Technical Support. “We must ensure that financing reaches the people, communities and essential services most exposed to climate risks, supporting locally defined priorities and investments.”WHO will work with partners to strengthen the integration of health considerations across climate policies and investments, including national climate plans and resilience initiatives.Health as a driver of climate actionAmid the risks to health and pressures on health systems, well-strategized and implemented climate action can deliver significant health benefits. Investments in clean energy, sustainable transport, resilient infrastructure, food systems and nature-based solutions have proven to reduce health risks while contributing to climate mitigation and adaptation.“Climate action is truly an investment in health. Cleaner energy, healthier food systems and climate-resilient health services can protect lives while building stronger communities. We now need to turn these opportunities into action and make health a core part of climate investments,” said Dr Sandro Demaio, Director and Head of Office, WHO Asia-Pacific Centre for Environment and Health in the Western Pacific Region. “These benefits demonstrate that climate action is not only about reducing future risks. It is also an opportunity to improve lives today while building healthier, safer and more resilient societies.”At COP31 next month, WHO will also support the Health Pavilion, which will bring together the global health community and partners to advance health and equity within climate negotiations. With COP31 poised to move health higher on the global climate agenda, WHO will continue working with countries and partners across the Western Pacific Region and globally to strengthen climate-resilient and low-carbon health systems, and ensure that climate action protects and improves people’s health.____________________Media contactsElizabeth Bennett, WHO Asia-Pacific Centre for Environment and Health in the Western Pacific Region, elizabeth.bennett@who.intJulia Dongwhan Shin, WHO Asia-Pacific Centre for Environment and Health in the Western Pacific Region, dong.shin@who.intWHO Western Pacific Communications, wprocom@who.int

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Oct 4 • 8:00 PM EDT • Health • who.int
Bora Biologics and Protect Animal Health Enter Strategic, Long-Term Multi-Project Collaboration to Advance Antibody-Based Animal Health Products

Partnership includes development and manufacturing support for multiple monoclonal and bispecific antibody programs targeting U. and global animal health marketsSAN DIEGO, CA AND TAIPEI CITY, TAIWAN / ACCESS Newswire / October 4, 2026 / , a U.

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Oct 4 • 8:00 PM EDT • Health • finance.yahoo.com
Bora Biologics and Protect Animal Health Enter Strategic, Long-Term Multi-Project Collaboration to Advance Antibody-Based Animal Health Products

Partnership includes development and manufacturing support for multiple monoclonal and bispecific antibody programs targeting U.S. and global animal health markets

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Oct 4 • 8:00 PM EDT • Health • newswire.com
Coffee-Rich Diet May Be Linked to Better Breast Cancer Outcomes, But Experts Urge Caution

A new study is again drawing attention to a popular morning beverage: coffee. Researchers found that women with breast cancer who consumed higher amounts of polyphenols, naturally occurring plant compounds abundant in coffee and many plant-based foods, experienced lower rates of breast cancer-related death over a long-term follow-up period.

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Oct 4 • 8:00 PM EDT • Health • baptisthealth.net
Study says San Antonio's mental health care access is worst in the U.S.

San Antonio tied for the worst access to mental health treatment facilities nationwide, based on travel distance and the number of nearby options, according to a recent study.

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Oct 4 • 6:34 PM EDT • Health • yahoo.com
US removes all Air Force bombers from Fairford base amid terrorism concerns

The United States has moved long-range bombers back to their American home stations days after the British government arrested a number of individuals in connection with an alleged Iranian plot to target the UK airbase where the planes had been stationed.

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Oct 4 • 5:24 PM EDT • Politics • cnn.com
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Health records from 68 adults link plant-based grocery support to lower blood pressure and weight

Providing people with nutritious foods can improve the management of chronic metabolic diseases such as type 2 diabetes and hypertension. However, most studies of "Food Is Medicine" programs have only ...

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Oct 4 • 3:24 PM EDT • Health • medicalxpress.com
Fox Sports announcers can’t believe controversial finish to Padres-Brewers Game 1

The Milwaukee Brewers hung on to beat the San Diego Padres 3-2 in Game 1 of the National League Division Series on Saturday night, and the Brewers got a home-field assist from the roof at American Family Field during a crucial moment in the ninth inning. Trailing 3-2 with a runner on first base and…

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Oct 4 • 11:00 AM EDT • Sports • sports.yahoo.com
Jimmy Rollins rips Austin Wells after awful base-running decision

The Tampa Bay Rays took a 1–0 series lead over the New York Yankees in the ALDS on Saturday with a nail-biting 1–0 win in front of the home crowd. Leading the way for the Rays was pitcher Drew Rasmussen, who took a no-hitter into the eighth inning before finally conceding a shot off the…

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Oct 4 • 10:00 AM EDT • Sports • sports.yahoo.com
How Americans’ Financial Health Is Faring In The “K-Shaped” Economy

Hey all, Jason here. Money20/20 is still two weeks away, but I’ve already started packing (not procrastinating for once!). My calendar is already filling up with various sessions I want to catch, meetings, and of course happy hours, dinners, and other side events. If you’ll be in Vegas and want to catch up, let me know by replying to this email, and we can try to find a time amidst the chaos of the Venetian. A big if not totally unexpected piece of news dropped on Friday: the Independent Community Bankers of America, a trade group that represents smaller U.S. banks, filed a lawsuit against the OCC and Comptroller Jonathan Gould, arguing that the regulator’s move to grant trust bank charters to firms seeking to use them to conduct substantial non-fiduciary activities exceeds the authorities granted to the OCC by Congress. I haven’t had time to fully digest the legal filing or speak to folks in my network about it, but you can expect to see coverage and analysis on it in next week’s newsletter. Subscribe or Support by Upgrading The NerdCon agenda just dropped. It’s stacked. Partner content: Nubank built an AI-first bank. Chime built its own banking core. Figure and Valon are rebuilding the mortgage stack. At NerdCon, you’ll hear from the people behind those bets: what they chose, what they learned, and what they’re still figuring out. The agenda is live, with leaders from Nubank, Chime, OpenAI, Remitly, Mercury, Figure, Valon and more. Follow the mainstage conversations, bring the problem your team is wrestling with to a hands-on workshop, or pull up a chair at a roundtable. Pick your quests. Meet us in San Diego, November 18–20. Fintech Business Weekly readers save 20% with code FBW20. Explore the Agenda Things To Know & Other Good Reads Federal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements (Federal Reserve Board of Governors) FDIC Announces Conclusion of Independent Monitorship (FDIC) Modernizing Financial Regulation: Initial Observations from eSLR (Fed Vice Chair for Supervision Michelle Bowman) The Data Version of Godzilla versus Kong: FRED Takes on AI (Fed Governor Christopher Waller) Financing the AI buildout (Brookings) Q3’26: Rules for Banks but Not for Crypto (Fintech Takes Banking) The Inevitability of Local Stablecoins (Lombard Notes) Delusions of AI Governance: The Human-in-the-Loop Comfort Blanket (Fintech Snark Tank) Stripe agrees to acquire Parafin to expand revenue opportunities for platforms and help small businesses grow (Stripe) Listen: Fighting Fraud in the Age of AI, with SEON’s Tamas Kadar (Fintech Business Weekly) How Americans’ Financial Health Is Faring In The “K-Shaped” Economy If there is one overarching theme across the economy and politics in the U.S. at the moment, it’s “affordability.” The term is vague enough to encompass a panoply of factors shaping Americans’ day-to-day lives: rising costs for the hallmarks of being “middle class,” including healthcare, housing, childcare, and education, inflation and rising interest rates, and a job market with the specter of AI hovering over it. At the same time, policy shifts under the Trump administration have resulted in reduced subsidies to those who get health insurance under the Affordable Care Act and new restrictions on qualifying for Medicaid and SNAP, the impacts of which have yet to be fully felt. These factors are contributing to declining consumer confidence and general dissatisfaction with the economy, despite continuing GDP growth and stock market records. This divergence is encapsulated in the idea of the “K-shaped” economy, in which a small proportion of Americans have seen their wealth balloon, while the majority of American households struggle to preserve the lifestyle they have. Perhaps the greatest determinant of which branch of the “K” a household is on is whether their wealth and income are primarily derived from employment vs. from assets. Nearly two decades of low interest rates and, more recently, elevated rates of inflation have benefited asset owners, while those whose income is primarily or solely derived from labor have largely seen real purchasing power stagnate or decline. This is reflected in recent Bureau of Labor Statistics data showing that labor share of U.S. GDP — the fraction of economic output that accrues to workers as compensation in exchange for their labor — dropped to just 52.8% in Q2 2026, the lowest since the BLS began keeping records. In 1947, approximately 2/3rds of economic output accrued to workers; even as recently as 2001, labor’s share of GDP was 64.1%. Against this backdrop, we’ve seen the rise of more credit and credit-like products: cash advance apps, “no-fee” overdraft, earned wage access, and buy now pay later, which are often used as small-dollar short-term borrowing mechanisms to meet immediate consumption needs or pay other bills (eg utilities, cell phone, other debt payments). With the markers of a middle class existence and, increasingly, basic financial stability seemingly out of reach for many, it should be no surprise there’s been an increase in “financial nihilism,” something industry peers like Alex Johnson and Frank Rotman have discussed and analyzed the roots of. The explosion of gambling and gambling-adjacent products and services — often marketed under the guise of being an “investment” — is inextricably intertwined with the rise of financial nihilism. Crypto, sports betting, and, more recently, prediction markets offer an escape or even hope of sorts, like a contemporary, digital version of a scratch-off lottery ticket, while leaving the overwhelming number of people who use such products worse off. Share of Households That Are Financially “Vulnerable” Ticks Up The Financial Health Network’s 2026 Financial Health Pulse® report adds context on how American households are faring. (I linked to this report in last week’s newsletter, but wanted to take time to further unpack the data in the report this week.) The Financial Health Network publishes the report annually, providing insight into how Americans’ financial circumstances are changing over time. The 2026 report is derived from a survey fielded in April and May 2026. The report leverages survey responses to assess indicators of financial health across spending, saving, borrowing, and planning/protecting and to determine a zero to 100 “FinHealth” score. Those with scores between 0 and 39 are considered “Financially Vulnerable,” consumers with scores ranging between 40 and 79 are defined as “Financially Coping,” and those with scores of 80 to 100 are “Financially Healthy.” The report found that moderate improvements in 2025 were reversed, with the share of respondents considered financially “vulnerable” rebounding to 17%. The longitudinal data reflect the impact of pandemic-era programs, like expanded unemployment, cash stimulus payments, and pauses of federal student loan payments. The positive impacts of those programs, as reflected in the Financial Health Pulse reports, had largely disappeared by 2023. While pandemic-era inflation — to be fair, in part caused by the various support and stimulus measures — had come down from as high as 9% in 2022, it has rebounded since the start of Trump’s second term, with tariffs and energy market disruptions owing to the war in Iran pushing prices back up. Specific indicators in the survey that deteriorated from 2025 to 2026 include the share of respondents spending less than their income over the past 12 months, the share paying all bills on time over the past 12 months, the share that have a manageable amount or no debt, the share that are “moderately” or “very” confident their insurance is adequate to cover them in an emergency, and the share that “somewhat” or “strongly” agree that their household plans ahead financially. Unsurprisingly, lower- and moderate-income households are more likely to struggle to pay their bills on time and have any funds leftover to save. The share of low-income households whose income exceeded their spending dropped from 35% in 2025 to 31% in 2026, while the share of upper-income households whose income exceeded expenses remained unchanged at 63%. Households with student loans or revolving credit card debt reported having “a bit more” or “far more” debt than was manageable at rates far higher than those not carrying these types of debts. The share of those with student loan debt indicating their debt load was too high to manage increased from 50% in 2025 to 55% in 2026, while the share of those with revolving credit card debt saying the same ticked up from 51% in 2025 to 54% in 2026. Households that had student loans were markedly more likely to be financially “coping” or “vulnerable” vs. those without student loans. In 2026, 27% of households with student loans were considered financially vulnerable, a jump of 6% points vs. 2025. Households without student loans saw just a 1% point increase (not statistically significant) in those considered financially vulnerable. Households’ perception of the affordability of categories of goods and services paints a stark picture, with less than one-fourth considering higher education affordable, about a third deeming childcare affordable, and less than half viewing healthcare as affordable. Fintech Business Weekly is made possible by the generous support of paying subscribers — bringing you independent analysis of banking, fintech, and crypto without fear or favor. You can support my work by becoming a paying subscriber if you aren’t already. Paying subscribers enjoy: access to the entire archive of nearly six years of newsletters extended versions of the weekly newsletter, with additional content and analysis and (for founding member tier) quarterly personal 1:1 fintech Q&A / strategy calls with me, tapping into my unparalleled knowledge of the intersection of banking and fintech and experience working in the sector, including helping to launch Goldman Sachs’ retail bank Marcus Support Fintech Business Weekly You can also support Fintech Business Weekly by sponsoring a newsletter or podcast, putting you in front of 93,000+ of the most influential decision makers in banking, fintech, and crypto. Learn more about sponsor opportunities or request a media kit by dropping me an email. Democratic Senate Report Highlights How Iran Uses Tether to Evade U.S. Sanctions Iran uses stablecoins, specifically Tether, to evade sanctions, fund regional proxies, and to purchase military drones, a report released last week by the Senate Permanent Subcommittee on Investigations says. The report was authored by committee ranking member Senator Richard Blumenthal (D-CT) and the minority staff. Crypto and stablecoin proponents will often push back on criticism that criminals make use of these assets by arguing that, on an absolute dollar basis, far more illicit funds flow through traditional banking systems and payment rails than via crypto and stablecoins. And while that is likely true, it elides the reality presented in news story after news story: whether state actors — Russia, Iran, North Korea — or criminal groups, those looking to engage in illicit transactions increasingly favor stablecoins and, specifically, Tether (USDT). The report from the Senate Permanent Subcommittee on Investigations released last week adds context to how Iran uses Tether has a lynchpin in its shadow banking system. The report analyzed 846 wallets that have been sanctioned or targeted for seizure, finding that 84% of them transacted exclusively or primarily in Tether. The ability to create near limitless, anonymous wallets and to move funds effectively instantaneously and irreversibly have made crypto a favored financial mechanism for bad actors. Stablecoins solved key drawbacks of bitcoin, namely, the original cryptocurrency’s highly volatile value in dollars. And while Tether (the company) has the technical ability to “freeze” or destroy funds, the company is often limited and reactive in its approach to doing so, the Senate report argues. Tether, which is nominally based in crypto-friendly El Salvador, “has stated that its compliance with OFAC sanctions is ‘voluntary’ and that it follows ‘OFAC guidelines,’” the Senate report says. Owing to these favorable attributes, Tether “became a primary cryptocurrency for Iran, Hamas, Hizballah, and the Houthis beginning in 2023 and has expanded in scale since,” according to the report. Tether’s role in Iran’s shadow banking system, the report says, is enhanced by crypto exchanges like Bybit, Kyrrex, OKX, Gate, and Binance, and through “over the counter” exchanges and hawala networks. The consequences of these financial flows aren’t hypothetical. The Senate report links Tether as a funds transfer mechanism to Iranian proxies in the region, including Hizballah, the Houthis, and Hamas. Tether has also been used to make payments to secure components necessary to manufacture drones, the report says. The report concludes by arguing that “[s]tablecoin issuers with a significant nexus to the United States, particularly those that offer dollar-denominated stablecoins, should be subject to American sanctions law rather than being allowed to hide behind foreign jurisdictions.” Stablecoin issuers like Tether must be held accountable for repeated failures to prevent illicit finance and sanctions violations by law enforcement, the Department of Justice, the Securities and Exchange Commission, and OFAC, the report argues. [Paying Subscriber Exclusive] OUSD Goes Live, Make Your Own Neobank, U.S. Sanctions Russia’s A7 Network As “Transnational Criminal Organization” OpenUSD, the stablecoin issued by the Open Standard consortium that includes Stripe, Visa, Mastercard, core providers, crypto firms, and numerous banks, went live last week. Social commerce platform Whop raised eyebrows in fintech by offering creators on its platform the ability to launch their own neobanks, which the company describes as “great businesses that are easy to run,” in just 15 minutes. And OFAC and FinCEN target Russia’s “shadow banking” A7 Network — more on these stories after the paywall.

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Oct 4 • 8:59 AM EDT • Health • fintechbusinessweekly.substack.com
Orioles news: Yankees get embarrassed in Game 1

The Yankees nearly got no-hit and committed a costly baserunning blunder in a Game 1 loss to the Rays.

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Oct 4 • 8:00 AM EDT • Sports • sports.yahoo.com
The Business of Youth Baseball is Booming. So is the Cost | The 10-Point for October 4

Plus, truckers feel the burn of rising diesel costs, and we bring you inside 24 hours under fire in Kyiv.

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Oct 4 • 7:02 AM EDT • Business • wsj.com
Local nonprofit is gifted a coffee business. They hope it will support human trafficking survivors.

Bloom for Women received Grounds for Restoration, a faith-based coffee business, as a gift to fund programs and create jobs for human trafficking survivors in the Lehigh Valley.

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Oct 4 • 7:00 AM EDT • Business • lehighvalleylive.com
Business Roundup: Olde Tymer’s space gets new life, Higher Purpose Homes honored

In this week’s business roundup: The former Olde Tymer’s Cafe building gets a makeover in preparation for a new restaurant, while Durango-based Higher Purpose

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Oct 4 • 7:00 AM EDT • Business • durangoherald.com
A place for moms: It’s a match

The 27-question survey focused on current experiences with making friends, community connections and loneliness. It also gauged interest and willingness to meet for one-on-one mom matching based on things like logistics, availability,…

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Oct 4 • 6:20 AM EDT • Business • paradisepost.com
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Blue Origin unveils huge 'Power Tower' to boost solar electricity on the moon (video)

"Our Power Tower is a 20-meter-tall, vertically deployed solar array system designed to provide more than 10 kilowatts of power for Moon Base operations at the lunar south pole."

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Oct 4 • 6:00 AM EDT • Technology • space.com
Parker Health Group names new CEO as longtime leader retires

Mark Lenhard will join Piscataway-based Parker Health Group in December, succeeding Roberto Muñiz after nearly 28 years of leadership.

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Oct 4 • 5:02 AM EDT • Health • mycentraljersey.com
ACO Expansion Might Change The Case For Investing In agilon health Stock (AGL)

In late September 2026, agilon health reported that The Jackson Clinic and Springfield Clinic would expand their partnerships by joining agilon’s Senior Health Connect ACOs. This extends value-based care support to roughly 30,000 additional Traditional Medicare beneficiaries on top of existing Medicare Advantage panels. The moves deepen agilon health’s integration with large multi-specialty groups, tying more senior lives into full-risk accountable care models that rely heavily on the...

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Oct 4 • 4:13 AM EDT • Health • simplywall.st
Blue Jays Receive Intriguing Take on Mets’ Francisco Lindor

The New York Mets and president of baseball operations David Stearns are back at the drawing board after missing the playoffs for the second straight season. Stearns has to find a way to improve the team and get it back to the postseason, and that means making tough decisions. Juan Soto is the face of […] The post Blue Jays Receive Intriguing Take on Mets’ Francisco Lindor appeared first on HEAVY.

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Oct 4 • 2:56 AM EDT • Sports • sports.yahoo.com
Business People

Fayetteville-based Dallas Appraisal Group has announced the promotion of Mason Adams from appraisal associate to director of operations, as well as the hiring of Scotty Thurman as a real state agent.

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Oct 4 • 2:00 AM EDT • Business • nwaonline.com
Austin Wells Mistake Costs Yankees ALDS Game 1

They teach you this in Little League. “Don’t make the third out at third base,” says a father coaching the team of kids young enough to not yet realize that their dreams of making it to the major leagues are probably far fetched. Occasionally, though, those players make it to Major League Baseball. And every […] The post Austin Wells Mistake Costs Yankees ALDS Game 1 appeared first on HEAVY.

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Oct 4 • 12:40 AM EDT • Sports • sports.yahoo.com
WATCH: Midwestern State hosts senior night and military appreciation night

WICHITA FALLS – Stang Park hosted a pair of events Saturday evening for No. 3 Midwestern State men’s soccer’s conference matchup with Oklahoma Christian. Airmen from Shephard Air Force Base were welcomed for a pizza dinner and as guests of honor for military appreciation night, while senior players and athletic trainers were honored on senior […]

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Oct 3 • 11:50 PM EDT • Sports • sports.yahoo.com
What was Austin Wells thinking on costly Yankees baserunning play?

In a measured tone, Austin Wells talked about his decision to stretch a double into a triple in ALDS Game 1.

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Oct 3 • 11:34 PM EDT • Sports • sports.yahoo.com
Scientists just found a new way to make hydrogen from water

A new light-activated material can efficiently produce hydrogen from water without requiring an additional expensive metal catalyst. Researchers say its unusual sulfur-based chemistry could point toward cheaper and more practical ways to turn sunlight into clean fuel.

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Oct 3 • 8:00 PM EDT • Science • sciencedaily.com
Sadie Strong hosts annual health and wellness expo

BUFFALO, N.Y. (WIVB) — Buffalo-based nonprofit breast cancer support organization Sadie Strong hosted its eighth annual Community Health and Wellness Expo on Saturday at the Northland Workfor…

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Oct 3 • 6:51 PM EDT • Health • wivb.com
Gemini app limiting what models free & AI Plus users can access, AI Pro adding Deep Think

Following the compute-based usage change in May, Google is introducing limits on what Gemini models free and AI Plus users can access.

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Oct 3 • 4:57 PM EDT • Technology • 9to5google.com
Trump, Critic of Voting by Mail, Urges Republicans to Do It in Midterms

It was the latest mixed messaging from President Trump, who regularly votes by mail, but has made baseless claims that the practice is “inherently corrupt.”

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Oct 3 • 2:44 PM EDT • Politics • nytimes.com
VB Health Launches Public Seven-Part Supplement Quality Standard

DENVER, Oct. 03, 2026 (GLOBE NEWSWIRE) -- VB Health, a Denver-based dietary supplement company co-founded by a U.S.-licensed physician, launched...

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Oct 3 • 2:00 PM EDT • Health • markets.businessinsider.com
VB Health Launches Public Seven-Part Supplement Quality Standard

New company-wide standard, effective across the VB Health portfolio, establishes requirements for research, clinically relevant dosing, formula transparency, sourcing, U.S. manufacturing and every-batch testingDENVER, Oct. 03, 2026 (GLOBE NEWSWIRE) -- VB Health, a Denver-based dietary supplement company co-founded by a U.S.-licensed physician, launched the VB Health Supplement Quality Standard today, a new public seven-part framework that establishes company-wide requirements for how its supplem

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Oct 3 • 12:00 PM EDT • Health • finance.yahoo.com
Full Saturday slate of baseball as Division Series begin

Four playoff games stacked back to back as the MLB playoffs continue in earnest!

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Oct 3 • 11:11 AM EDT • Sports • sports.yahoo.com
Dodgers notes: Attention to detail, Russell Martin, Zach Ehrhard

It’s the start of the Dodgers postseason on Saturday, but here are some related and adjacent stories that aren’t necessarily about the National League Division Series. Andy McCullough at The Athletic wrote about the Dodgers’ place in baseball heading into the postseason, and their role as the main antagonist for many about two months before […]

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Oct 3 • 9:13 AM EDT • Sports • sports.yahoo.com
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Saturday Sports: Major League Baseball playoff time; WNBA

NPR's Scott Simon and sportswriter Howard Bryant discuss the WNBA and MLB playoffs.

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Oct 3 • 7:47 AM EDT • Sports • npr.org
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MLB playoff schedule: Four Division Series Games 1 on Saturday

LOS ANGELES — After two days of four playoff games during the wild card round, Saturday gives us one more day full of baseball on Saturday to start the Division Series round in both the American League and National League. The Dodgers will start Tarik Skubal in Game 1 of their NLDS against a potential […]

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Oct 3 • 7:34 AM EDT • Sports • sports.yahoo.com
Florida Blue Foundation now accepting grant applications for maternal health initiatives

Getting your Trinity Audio player ready... The Florida Blue Foundation, the philanthropic affiliate of Florida Blue and part of the GuideWell portfolio of companies, now is accepting grant applications from nonprofits focused on improving maternal health outcomes in Florida. The foundation seeks to fund Florida-based nonprofits with innovative and actionable solutions designed to improve maternal […]

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Oct 3 • 7:03 AM EDT • Health • communitynewspapers.com
Theaster Gates bets on fine china

The famed, Chicago-based artist's career is taking a new direction with the purchase of Pickard China, the sole remaining maker of fine china in the United States.

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Oct 3 • 7:00 AM EDT • Business • npr.org
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Can anything politicians say at Sunday’s election stop young people from leaving Bosnia?

They are the support base for non-nationalist parties but are voting with their feet and not on ballot papers

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Oct 3 • 5:35 AM EDT • Politics • theguardian.com
Yankees news: All aboard the Cole train

Cole tabbed to start Game 1; Rodón set for bigger role in ALDS; Judge still not running bases.

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Oct 3 • 5:00 AM EDT • Sports • sports.yahoo.com
'There’s no such thing as democracy' – Yanis Varoufakis | Radical Thinking with Aditya Chakrabortty

In the first episode of Radical Thinking, a new series from the Guardian, senior economics commentator Aditya Chakrabortty speaks to the former Greek finance minister Yanis Varoufakis. What does he make of Andy Burnham's plans to 'rewire' the UK economy? Radical Thinking will be published every Saturday in the Politics Weekly feed

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Oct 3 • 2:45 AM EDT • Politics • theguardian.com
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Why Is CVS Health (CVS) Reworking Primary Care Around Value Based Care?

CVS Health (NYSE:CVS) is expanding its primary care approach by integrating value-based care across its health system. The company intends to connect health plans, provider groups, clinics, and pharmacies under a single patient-centered care model. Management is targeting shared accountability for outcomes that include social determinants of health alongside traditional clinical metrics. This push to embed value-based care across CVS Health's operations reshapes how the group manages care,...

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Oct 2 • 6:05 PM EDT • Health • finance.yahoo.com
Catering business shut down after football team suffers food poisoning before game

An unlicensed home-based catering business in Illinois has been ordered to cease operations after dozens of people were sickened.

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Oct 2 • 5:31 PM EDT • Business • wdtv.com
Catering business shut down after football team suffers food poisoning before game

An unlicensed home-based catering business in Illinois has been ordered to cease operations after dozens of people were sickened.

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Oct 2 • 5:31 PM EDT • Business • wnem.com
Catering business shut down after football team suffers food poisoning before game

An unlicensed home-based catering business in Illinois has been ordered to cease operations after dozens of people were sickened.

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Oct 2 • 5:31 PM EDT • Business • 13abc.com
Catering business shut down after football team suffers food poisoning before game

An unlicensed home-based catering business in Illinois has been ordered to cease operations after dozens of people were sickened.

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Oct 2 • 5:31 PM EDT • Business • wbng.com
Catering business shut down after football team suffers food poisoning before game

An unlicensed home-based catering business in Illinois has been ordered to cease operations after dozens of people were sickened.

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Oct 2 • 5:31 PM EDT • Business • 29news.com
Catering business shut down after football team suffers food poisoning before game

An unlicensed home-based catering business in Illinois has been ordered to cease operations after dozens of people were sickened.

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Oct 2 • 5:31 PM EDT • Business • wvlt.tv
Can it run Doom: SQL database edition

300 lines of SQL querying renders accurate bitmapped views of Hell at 35 FPS.

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Oct 2 • 5:19 PM EDT • Technology • arstechnica.com
‘HomePad’ coming: Will Apple hold an October special event?

With Apple reportedly planning to unveil new products on October 13, here’s when the company could announce an event, based on the timing of its previous October announcements.

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Oct 2 • 4:31 PM EDT • Technology • 9to5mac.com
J.J. Picollo Opens Up on Royals' Biggest Need This Offseason

The Royals president of baseball operations named the bullpen as a top focus this winter, and he admitted the answer may not be in-house.

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Oct 2 • 2:12 PM EDT • Sports • sports.yahoo.com
New Macomb-Kettering deal enables business students to transfer straight into bachelor’s program

The Flint-based university will provide a pathway to its Bachelor of Science in management degree.

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Oct 2 • 2:05 PM EDT • Business • crainsdetroit.com
Bishop’s computer science chair says AI is eliminating ‘grunt work’ and reshaping digital jobs

Dr. Russell Butler, chair of Bishop’s University’s Department of Computer Science, says artificial intelligence is increasingly taking over routine digital “grunt work,” changing the skills students and workers may need in the years ahead. Photo courtesy of Bishop’s University. Click here to read our platform! Get local news like this every morning. Subscribe free below. Subscribe Pulse Newsroom Artificial intelligence is already taking over some of the routine digital work once performed by entry-level employees, according to Bishop’s University Computer Science chair Dr. Russell Butler — a shift he believes will make expertise, judgement and the ability to evaluate AI-generated work increasingly important. Butler described the change as automation reaching what he calls the “bottom of the cognitive pyramid” during an interview with The Pulse about AI, university education and the future of digital work. His argument is not that humans are disappearing from the workplace. Instead, he sees their role changing as AI becomes capable of handling more of the repetitive tasks involved in computer-based work. “Everything’s converging on just AI basically doing all the grunt work,” Butler said. The bottom of the cognitive pyramid Butler is from Lennoxville, completed his undergraduate studies at Bishop’s and later earned his PhD at the Université de Sherbrooke. He joined Bishop’s in 2019 and now chairs its Department of Computer Science. He uses AI in research, teaching and other creative work, and said the technology is increasingly capable of handling routine digital tasks that once required substantial human time. “You’ve got the grunt work, like moving things around in Excel, doing basic programming tasks,” Butler said. “That’s like the bottom grunt work that the entry-level worker would have done two or three years ago.” Butler went further, saying in his view that much of this type of work has already been absorbed by AI tools. He connected that change to a shift he sees taking place in computer science, where entry-level roles have declined while experienced workers can use AI to increase what they can produce. “A senior developer now has access to essentially an unlimited amount of junior developers on demand,” Butler said. He was describing AI systems metaphorically, not literal employees. His point was that one experienced developer can now ask AI tools to produce code or other technical work that might previously have been assigned to more junior workers. That raises a broader question for universities and employers. If some of the simpler work traditionally given to newcomers can now be done by machines, how do people gain the experience needed to become senior workers themselves? Students doing work that once required years of programming Butler said he is already seeing the change inside his classroom. He created a Bishop’s course called CS208, Coding in Plain English, to show students — including those without traditional programming backgrounds — what they can accomplish using AI. Some come from disciplines such as psychology or neuroscience with no previous programming experience. “What I’m finding is that students who have zero programming experience, they come in from another discipline like psychology or neuroscience or something, they are now able to get up and running with real data sets,” Butler said. Butler’s own doctoral work involved neuroimaging, and he said he has assigned students work he considers comparable to the kinds of analysis he performed during his PhD. He described giving students a real dataset, an expected result and instructions to use AI to complete the analysis. Butler said those students have been able to carry out work at a level he associates with tasks he once performed after years of programming experience. That does not mean a student using AI instantly acquires the same knowledge as an experienced computer scientist. But Butler sees it as evidence that AI can dramatically lower the technical barrier between having a problem to solve and producing a working result. The role of the person using the system then changes. They need to know what to ask for, understand enough about the subject to judge the answer and take responsibility for what is ultimately produced. What about AI hallucinations? One persistent concern surrounding generative AI is hallucination — when a system produces information that sounds convincing but is false or unsupported. Butler said that problem has improved substantially in newer systems and is not as severe as it was with earlier models. He pointed in particular to newer AI systems’ ability to search the web, consult scientific databases and return source links rather than simply generating a citation from their internal model. Butler nevertheless said users should verify what AI produces. “You should verify,” he said while discussing citations generated with AI. His position is that hallucinations have become less common in the systems he uses, not that incorrect AI output is impossible. Human checking remains part of the process. Hours of work compressed Butler offered another example from his administrative work at Bishop’s. The university has been comparing CEGEP courses with first-year Bishop’s courses to determine where students may qualify for advanced standing. Traditionally, Butler said, that means reviewing two sets of course descriptions and manually matching one institution’s courses with another’s. As department chair, that could require hours of reading and comparison. He said AI can now be given both sets of material and asked to generate an initial mapping automatically. “It saves me hours and hours of work,” Butler said. Butler said the AI-generated mapping can also produce a better result than he would produce himself. He sees similar opportunities in businesses. A company may receive specifications, drawings, emails or other digital material from customers and then have employees convert that information into an internal format before anything can be manufactured or delivered. AI can increasingly perform parts of that intermediate processing. In Butler’s view, the employee does not necessarily disappear. Instead, the job becomes more about checking the result. “The human is still there,” he said. Judgement could become more valuable That change is central to Butler’s view of where digital work may be headed. If AI can produce a first draft, write basic code, compare documents or process large amounts of information, he argues that knowledge and judgement become increasingly important. “The real scarce resource going forward is going to be domain knowledge, expertise, and… credentials, authority, the ability to work with other people,” Butler said. He is therefore encouraging students not only to learn AI tools but also to broaden their education. He mentioned acting, fine art and photography as examples of courses that can help develop what he described as taste and intuition — the ability to recognize what is good, what is not and what should be changed. “And that’s the skill that they need now because the grunt work has been automated and now it’s about evaluating what the AI produces and telling it how to improve or expand the output,” Butler said. That does not remove the need for technical knowledge. Butler’s argument is that the emphasis may shift away from manually completing every step of a task and toward directing, checking and improving work produced with AI assistance. He also stressed that humans remain responsible for final decisions. “At the end of the day, the human has to make the final call,” Butler said, pointing to the question of accountability. Physical work may be different Butler draws a distinction between digital work and jobs requiring people to manipulate the physical world. He expects AI to continue advancing quickly in tasks performed almost entirely on computers. He is more cautious about claims that humanoid robots will soon be able to replace workers such as plumbers or electricians. Butler said those trades would not be replaced “anytime soon” in his view and described some current robotics demonstrations as overhyped. He described the situation as counterintuitive. “It’s almost like we solved the highest level first,” he said, contrasting advances in digital AI with the harder problem of building robots capable of operating reliably in the physical world. Butler’s argument is that some digital occupations could face automation sooner than trades requiring complex physical work. The wider AI shift in the Townships Butler’s comments come as local institutions are increasingly grappling with how AI should be used. The federal government recently announced up to $162 million over five years for 10,000 AI-related placements through Mitacs. The Université de Sherbrooke told The Pulse that the number of its collaborative research and innovation projects supported through Mitacs has approximately doubled since 2018-19, while the number of placements has approximately tripled. UdeS also said it already has projects involving both AI adoption and the application of AI to other fields. At Bishop’s, Butler said part of his role involves building the Computer Science department’s local presence, connecting students with regional partners and strengthening relationships with the Sherbrooke technology ecosystem. Those developments put universities in a difficult position. They have to prepare students to use the tools employers increasingly have available while also making sure graduates understand enough to recognize when those tools are wrong, incomplete or being applied to the wrong problem. The risk of losing human skills Butler does not see AI as risk-free. Later in the interview, he raised a separate concern: as AI becomes better at reading, writing, programming and other cognitive tasks, people could lose some of the underlying skills that historically helped produce new ideas. “The other danger is that we’re going to lose the human skills,” Butler said. He specifically mentioned reading and writing and argued that people could lose some of the lower-level understanding that contributes to breakthroughs. Butler said AI systems are based on existing human knowledge and argued that they become much more powerful when paired with a capable person. That tension runs through his view of the technology. AI can remove hours of routine work. It can allow beginners to perform tasks that once required substantial technical training. It can give experienced workers significant leverage. But the more capable the technology becomes, the more important it may be for people to develop the judgement needed to decide what should be done in the first place. For Butler, that is where education may have to change. Students still need to understand their field. They still need to know when something is wrong. And they still need to be able to make the final decision. But if AI increasingly handles the bottom of the cognitive pyramid, the value of a worker may depend less on how quickly they can perform the grunt work and more on whether they understand what the work is supposed to accomplish. Don’t miss the next story that affects your community. Join thousands of readers getting The Pulse every morning—plus breaking news alerts when it matters most. If you value this kind of local journalism, consider supporting it. Subscribe, share and like! Subscribe Share

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Oct 2 • 1:57 PM EDT • Science • publisherpt.substack.com
JB MDL Leaders Briefs Businesses on Mission, Local Economic Impact

Joint Base McGuire-Dix-Lakehurst leaders provided local business and government leaders with an overview of the sprawling military installation’s role in

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Oct 2 • 1:57 PM EDT • Business • njbia.org
Gemini app gains new ‘Map’ tool, replacing ‘/’ with ‘@’

Google has introduced a “Map” tool to aid your location-based Gemini app prompts on Android and iOS. Meanwhile...

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Oct 2 • 1:55 PM EDT • Technology • 9to5google.com
Merck business unit opens R&D facility in Sheboygan Falls

EMD Electronics, the North America electronics business unit of Germany-based global health care and biopharmaceutical company Merck KGaA, today announced

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Oct 2 • 1:32 PM EDT • Business • biztimes.com
How Optum, Owensboro Health teamed up to build a virtual nursing program

Kentucky-based Owensboro Health is teaming up with Optum Insight to pair bedside nurses with virtual nurses, freeing up frontline clinicians to dedicate more time to patient care. | Owensboro Health is teaming up with Optum Insight to pair bedside nurses with virtual nurses to free up frontline clinicians to dedicate more time to patient care.

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Oct 2 • 1:24 PM EDT • Health • fiercehealthcare.com
Sony's Quietly Improved Base PS5 Hardware with a Number of Internal Optimisations

New models shipping now

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Oct 2 • 1:15 PM EDT • Technology • pushsquare.com
UPMC spent $120 million to purchase Trinity Health; nurses call for investments into their staffing

Nurses are frustrated after learning how much money UPMC spent to buy Ohio-based hospitals.

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Oct 2 • 12:58 PM EDT • Health • wpxi.com
MultiCare Health System to launch new health plan

Tacoma, Wash.-based MultiCare Health System is set to launch its own health plan next year, the organization

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Oct 2 • 12:45 PM EDT • Health • fiercehealthcare.com
Unlicensed catering business shut down after Rock Island football team food poisoned before Homecoming game

An unlicensed home-based catering business was ordered to cease operations after 45 people were sickened at a Rock Island football team dinner.

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Oct 2 • 12:18 PM EDT • Business • kwqc.com
AWS Launches Aurora Capability to Query Data Lakes Without Moving the Data

Moving enterprise data around is one of the less glamorous parts of the running modern data stack. Nevertheless, it is critical to getting the right data to the right applications when they need it. Companies build their data pipelines to shuttle information between databases and data lakes. This creates a plethora of challenges, including the […]

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Oct 2 • 12:05 PM EDT • Science • hpcwire.com
Friday Open Thread

This is a slow time of year for baseball news, if your team isn’t in the playoffs. MLB doesn’t like teams to make news during the playoffs, because they want the focus to be on the playoff teams, which is fair. Jameson Taillon is going to have elbow surgery next week. He’s had Tommy John […]

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Oct 2 • 11:50 AM EDT • Sports • sports.yahoo.com
☹️ Negative (-3%)
$1M DOE grant to explore three elements in used nuclear fuel

Supported by $1 million grant from the U.S. Department of Energy’s Nuclear Energy University Program, a team of Penn State materials science researchers will investigate how certain elements — samarium, europium and tellurium — behave in molten salt-based nuclear fuel recycling systems.

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Oct 2 • 11:02 AM EDT • Science • psu.edu
Research uncovers how bacteria fight viruses, opening the door to better virus-based antibiotics

Bacteriophages are viruses that can attack harmful bacteria, whose "last resort" immune response kills the infected bacterium before the virus can spread to others.

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Oct 2 • 11:00 AM EDT • Health • attheu.utah.edu
Everest sells its Canadian retail operation

Bermudian firm Everest Group Ltd. has completed the sale of its Canadian retail insurance business to Winnipeg-based The Wawanesa Mutual Insurance Company, The Royal Gazette reported.

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Oct 2 • 10:09 AM EDT • Business • businessinsurance.com
How Phillies' finish-line stumble set up their latest October demise

Don Mattingly always preached “better baseball,” but the Phillies couldn’t close out September — and carried the consequences into October.

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Oct 2 • 9:15 AM EDT • Sports • nbcsportsphiladelphia.com
BiomEdit acquires UK-based Folium Science

Company says the acquisition broadens its technology pipeline across animal health and nutrition.

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Oct 2 • 8:00 AM EDT • Science • vettimes.com
Ascension’s 2026 Ministry in Action report highlights progress in advancing health and strengthening communities

Ascension, one of the nation’s largest non-profit and faith-based health systems, today released its 2026 Ministry in Action Report, highlighting how the organization is putting its Mission into action by caring for all.

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Oct 2 • 8:00 AM EDT • Health • about.ascension.org
Is James Talarico about to flip Texas for the Democrats?

Jonathan Freedland speaks to James Henson, founder and executive director of the Texas Politics Project, about why a blue wave in the Lone Star state would be seismic

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Oct 2 • 7:00 AM EDT • Politics • theguardian.com
Proposition 134

Colorado voters will decide whether to designate athletic teams and sports from elementary all the way to college as male-only or female-only and require schools to ensure athletes are assigned to teams based on their biological sex.

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Oct 2 • 7:00 AM EDT • Politics • coloradopolitics.com
Scientists could one day remove your bad memories. Here's how

Madeleine Finlay hears from Steve Ramirez, an associate professor of psychological and brain sciences at Boston University, whose book How to Change a Memory was shortlisted for this year’s Royal Society Trivedi science book prize. He explains how scientists have been able to locate memories in the brains of rodents, trigger them artificially and even remove them, and reveals what the practical applications of this science could one day be for humans.

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Oct 2 • 6:55 AM EDT • Science • theguardian.com
PS5 gets "AI-guided upscaling" a bit like PS5 Pro's, and it's available now in Marvel's Wolverine and Ghost of Yotei

AI upscaling was previously exclusive to PS5 Pro, but base PS5s are getting a watered down version, and it's available now.

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Oct 2 • 5:28 AM EDT • Technology • eurogamer.net
Widow turns tragedy into triumph with new Blawnox-based baking business

A Blawnox widow is turning personal tragedy into personal triumph with a new baking business inspired by her late husband. Lisa Collins was devastated when she lost her husband of 27 years, David Collins, suddenly from cardiac arrest in 2023. The couple’s three adult children were grown, so Collins was

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Oct 2 • 5:01 AM EDT • Business • triblive.com
Chicago’s Development Solutions expanding restaurant, retail, entertainment divisions

Development Solutions, Inc., a Chicago-based general contractor and design-builder with more than three decades of commercial construction experience, is expanding its focus on restaurant, retail,… Learn More

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Oct 2 • 5:00 AM EDT • Entertainment • rejournals.com
Creative Business Interiors acquired by Wausau-based construction firm

Wausau-based construction company The Samuels Group, Inc. announced that it has acquired West Allis-based commercial interior design firm Creative

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Oct 1 • 11:45 PM EDT • Business • biztimes.com
Southwest baseball coach Nick Mendez reflects on 25-year career, impact on players
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Oct 1 • 11:14 PM EDT • Sports • ksat.com
😐 Neutral (0%)
‘Biggest day of the year;’ downtown St. Petersburg businesses rejoice ahead of ALDS

Ahead of playoff baseball's return to St. Petersburg and Tropicana Field, downtown businesses are bracing for at least a weekend of packed crowds.

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Oct 1 • 10:44 PM EDT • Business • wfla.com
A Hidden Compound in 'Healthy' Plant-Based Foods May Be Fueling Gut Inflammation

You may have never heard of it.

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Oct 1 • 10:30 PM EDT • Science • sciencealert.com
A Hidden Compound in 'Healthy' Plant-Based Foods May Be Fueling Gut Inflammation

You may have never heard of it.

sciencealert.com logo
Oct 1 • 10:30 PM EDT • Health • sciencealert.com
A Hidden Compound in 'Healthy' Plant-Based Foods May Be Fueling Gut Inflammation

You may have never heard of it.

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Oct 1 • 10:30 PM EDT • Health • health.yahoo.com
😐 Neutral (14%)
wow
100%
Full Dodgers NLDS schedule & start times

LOS ANGELES — The full schedule for the Division Series round was announced by Major League Baseball on Thursday, giving us the start times for potentially all five games of the Dodgers’ first postseason round. The Dodgers will play the winner of Thursday night’s Braves-Phillies wild card battle in Atlanta, with their NLDS opening up […]

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Oct 1 • 7:53 PM EDT • Sports • sports.yahoo.com
J.D. Vance visits Florida to rally the Republican base. Skeptics remain

One attendee said he’s considering leaving the governor’s race option blank after backing James Fishback in the Republican primary.

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Oct 1 • 7:17 PM EDT • Politics • miamiherald.com
Centre County Teen Expanding Food Truck Business to Brick-and-Mortar Cafe

At just 16-years-old, Alexa Cowher has owned and operated Joelle's Sips and Bites, an Aaronsburg-based food trailer, since June. Cowher serves everything

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Oct 1 • 7:06 PM EDT • Business • statecollege.com
NCMIC names Dickinson executive vice president of enterprise growth

NCMIC has promoted Tony Dickinson to executive vice president of enterprise growth, where he will lead the Clive-based company’s strategy to diversify its business and identify new growth opportunities. Dickinson will continue serving as president of NCMIC Finance Corp. and supporting the NCMIC Insurance Agency. The company said in a news release Dickinson will explore…

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Oct 1 • 5:59 PM EDT • Business • businessrecord.com
New CEO selected to lead Proteus

Proteus Inc. has named Sarah Zeidler its new CEO. Zeidler will join the Des Moines-based nonprofit in mid-October, succeeding Daniel Zinnel, who stepped down in July to become CEO of Orchard Place. Zeidler most recently served as executive director of oncology services at UnityPoint Health’s John Stoddard Cancer Center. She also serves on the boards…

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Oct 1 • 5:57 PM EDT • Business • businessrecord.com
‘Verity’ review: This Anne Hathaway movie’s inert from the get-go

Anne Hathaway does her best to liven up this inert movie based on a Colleen Hoover bestseller.

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Oct 1 • 5:00 PM EDT • Entertainment • yakimaherald.com
Construction starts on $45.1 million multifamily project in Centerton

Capstone Building Corp., a Birmingham, Ala.-based multifamily general contractor, recently started construction on The Emerald, a $45.1 million multifamily development in Centerton. The 256-unit, 312,414-square-foot development at East Centerton Boulevard...

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Oct 1 • 4:52 PM EDT • Business • talkbusiness.net
Trump says he’s ‘looking at’ opening US military base in Venezuela

President Donald Trump is open to the prospect of a U.S. military base in Venezuela or somewhere else in South America. “We’re looking at doing a lot of things,” Trump told reporters on Thursday. “We’re getting along very well, as you know, and Venezuela has been a great situation. The people are happy, and I’m […]

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Oct 1 • 4:44 PM EDT • Politics • coloradopolitics.com
Goodwill Arkansas to receive $850,000 from The BlackRock Foundation

Little Rock-based nonprofit Goodwill Arkansas will receive an $850,000 grant from an initiative of The BlackRock Foundation, the philanthropic arm of asset management firm BlackRock, to help workers pursue careers...

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Oct 1 • 3:52 PM EDT • Business • talkbusiness.net
Steve Oberman Joins SoundCheck Capital As SVP, Business Development

Former Tixr, See Tickets and Flavorus executive Steve Oberman joins SoundCheck Capital, a specialty finance company providing revenue-based financing to the

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Oct 1 • 3:22 PM EDT • Business • news.pollstar.com