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Zinédine Zidane worried about France’s lack of full-backs
It was Didier Deschamps’ concern, and it is now Zinédine Zidane’s. The former complained about the lack of full-back options in the France setup and called for an evaluation of how to be more eff...
Behind bars and beyond capacity: The mental health crisis in prisons
Open Access Government reflects on data and efforts from concerning the prevalence and care of mental health disorders among prisoners
'Sing With Me,' 'Golden Elevators' Lead Talpa Studios' Mipcom Slate
John de Mol’s Talpa Studios is heading to Mipcom with a slate of new entertainment formats, led by 'Sing With Me' and 'The Golden Elevators.'
Whole Fruits vs. Juice? Study Finds Differences in Heart Health
Whether you slice fruit into your cereal or drink a glass of juice apparently makes a difference for the heart. A large U.S. study shows that adults with high blood pressure, elevated cholesterol, or ...
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
‘Gossip Girl’ 25th anniversary musings
The CW’s “Gossip Girl” recently turned 19 years old, making it the age of this year’s college freshmen. Despite being over a decade old, the show remains impressively relevant among
Moon-Like Madagascar
A bright lens of anorthosite, a rock type prevalent on the lunar surface, is cradled within sheared rocks in the country’s south.
Preview: Phoenix Suns Open Preseason Play vs. Detroit Pistons
Jordan Ott debuts a revamped, ball-dominant starting five against the Eastern Conference’s top seed while testing how new floor spacers fill the void left by departing sharpshooters.
CDC Plans To Drop Disability Questions From Federal Health Survey
A proposed revamp of a key federal survey could lead to a drastic undercount of Americans with developmental disabilities, advocates warn.
Evaluating Barcelona’s backup striker options for Raphinha
Who will Hansi Flick turn to as an alternative to La Liga’s leading scorer?
Three Takeaways from Packers 17-14 Win vs. Buccaneers
Evan Williams’ late-game heroics saved Green Bay from costly turnovers, securing a gritty victory despite a revamped offense and a devastating wave of defensive injuries.
As Music Instrument Buyers Go Upscale, Fender Overhauls Online Experience
Fender is revamping its online presence amid a shifting market for musical instruments moving toward premium offerings, vintage sounds, and online sales and information.
Saints’ Jordyn Tyson Injury Update Brings Hope
The New Orleans Saints would’ve liked to begin this season with a better record, but one thing they have to be happy with is the way their passing attack has operated in the early going. QB Tyler Shough is building a great rapport with wide receivers Chris Olave and Devaughn Vele as well as tight […] The post Saints’ Jordyn Tyson Injury Update Brings Hope appeared first on HEAVY.
Florida tumbles in Football Power Index after brutal Missouri loss
The Florida Gators' devastating loss to the Missouri Tigers in Week 5 sent them tumbling down ESPN's Football Power Index rankings.
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.
Mike Evans Injury Update: 49ers WR’s Week 4 Status Revealed
Mike Evans suffered a rib injury midway through Week 3's shootout against the Arizona Cardinals, but it might not keep him from suiting up in Week 4. Originally entering the league as a first-round pick in the 2014 NFL Draft, Evans spent most of his career with the Tampa Bay Buccaneers and established himself as …
P.J. Fleck’s Saturday postgame celebration is one for the ages
Minnesota head coach P.J. Fleck had an unbelievable postgame celebration on Saturday.
RODRIGUEZ: Nebraska football prevails over Maryland, shows promise ahead of Indiana
Anthony Colandrea led Nebraska to a 48-23 victory over Maryland (2-3, 0-3) on a perfect fall Oct. 3 night at Memorial Stadium. In freshman running back Jamal Rule’s absence, the senior quarterback had a game-high 108 rushing yards, including a 51-yard burst in the third quarter.
Chargers elevate Patrick Herbert
The Los Angeles Chargers are elevating Patrick Herbert
Philly elevating a pair of tight ends
The Philadelphia Eagles elevated two tight ends for game against Rams
Josh Sweat injury: Arizona Cardinals elevate Cameron Robertson
Josh Sweat's availability is more in question against the Giants with the Cardinals' announced roster move.
Vikings Elevate Johnny Hekker from Practice Squad
He’ll be there for the special teams again
Eagles elevate Zach Ertz, Josiah Deguara
The Eagles added a pair of tight ends to the roster for Sunday's game against the Rams.
Liverpool given price, blockbuster £40m deal can move forward
Liverpool have been told the price. Now a blockbuster deal can move forward for one of the biggest talents in world football.Liverpool want to sign wonderkids. That's unbelievably clear to everyone wa...
Marlins Season a Success but Left Much to be Desired
Record-setting home crowds and a historic June surge fueled Miami’s first positive run differential in sixteen years, yet a devastating July collapse ultimately derailed their postseason ambitions.
Detroit Lions elevate DB for Panthers game
The Detroit Lions elevated a veteran safety for Week 4, giving the secondary more depth for their matchup with Panthers.
Bills elevate two defensive backs for Week 4 vs. Patriots
DB Te'Cory Couch and CB Kani Walker elevated from practice squad for Week 4
13 unbelievable child car seats from the past century
Some were even on the outside of cars, because what baby doesn't want a view?
LETTER: Thompson puts people before politics in response to MIDA concerns
Rep. Jason Thompson’s billboard on Logan’s Main Street shows the legislator with his family and reads “people before politics” in bold letters. This was demonstrated by Rep. Thompson’s rapid-fire response
3 Raptors Players to Watch in Preseason Opener vs. Heat
From defensive anchors to breakout rookies, discover which rising stars will lead Toronto’s revamped rotation as the new-look roster finally takes the floor against Miami.
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
Penn State facing glaring issues after back-to-back losses
EVANSTON, Ill. (WHTM) — It is next to impossible to pin Penn State’s loss to Northwestern on just one thing, but here are three glaring issues following the Nittany Lions’ back-to-back losses this season. The run game only produced 48 yards, the run defense gave up 418, and head coach Matt Campbell says his program […]
Jordan Hall Out, Brady Pretzlaff In: Michigan State Availability Report
Reinforcements arrive in Madison as the Spartans regain key defensive depth, leaning on freshman standout Brady Pretzlaff to anchor the linebacking corps despite devastating injuries to two stars.
With Keenan Allen out, Colts elevate WR from practice squad
With Keenan Allen out due to injury for Sunday's Week 4 game, the Colts have elevated a wide receiver from the practice squad.
Mike Evans hopes to play in Week 4
Mike Evans could face Denver despite injury to ribs
Top Stories: Apple Smart Home Launch on October 13, iPhone Duo Production Issues, and More
Things are getting crazy in the Apple rumor world, as even though the iPhone 18 Pro and several other products have only just launched and the iPhone Duo is right around the corner, there's even more to come imminently. October 13 looks to be the date for an introduction of Apple's revamped smart home portfolio, including the home hub device we've been hearing about for ages.
AROUND THE LAKES: Geneva Theatre Guild announces 49th season
GENEVA — The Geneva Theatre Guild has announced its 49th season, a dynamic year of theater that celebrates local talent, classic storytelling, and the Guild’s long tradition of community‐driven artistry.
'Giant tusks from Siberia were thought to be the horns of the mythical unicorn': What medieval people made of fossils before vertebrate paleontology
In this excerpt from "The Story of the Mammals in 25 Discoveries," author Donald R. Prothero looks at a time when the idea of extinction was blasphemous.
Major refresh: See what's new at Celebration Park food truck venue
Celebration Park is now open in East Naples after receiving some major upgrades. See inside the revamped food truck venue.
Major refresh: See what's new at Celebration Park food truck venue
Celebration Park is now open in East Naples after receiving some major upgrades. See inside the revamped food truck venue.
Konami teases that Belmont's Curse won't be the end for Castlevania
Konami has been a bit quiet with Castlevania until recently, but the publisher has teased more to come for the franchise in the future. Castlevania stepped back into the spotlight with the special DLC made for Dead Cells back in 2023. Now in just a few days, we’ll be getting Castlevania: Belmont’s Curse – the series’ first new, major release...
HIGHLIGHTS: Somerset Academy (NV) vs. Midland Lee
MIDLAND, Texas (KMID/KPEJ) – Midland Lee dominated Somerset Academy from Nevada 61-6 as the Rebels improved to 4-2. Next week the Rebels kick off district play at home against Permian. Watch the video above for the highlights.
Santa Fe’s Southwestern College marks 50 years of teaching behavioral health practitioners
The heart of Southwestern College, which is headquartered off Airport Road, is its on-campus Tierra Nueva Counseling Center.
Memorial and Reitz battle till the final minute
EVANSVILLE, Ind. (WEHT) — In a battle of undefeated teams, Memorial high school football team beat Reitz in a close one 30-27. Next, the Tigers will travel to Floyd Central to take on the Highlanders. While the Panthers will face Bosse.
Henderson County loses close game to George Rogers Clark
HENDERSON, Ky. (WEHT) — After trailing 21-7 at halftime, Henderson County high school football team battled back against George Rogers Clark to lose in the end 53-48. Next the Colonels will travel to Christian County to take on the Tigers.
Home Team Friday: Week 7
HENDERSON, Ky. (WEHT) — Don’t miss out on our weekly coverage of high school football in the Tri-State. Home Team Friday airs every Friday night at 10:35 CT on ABC 25. Watch the videos below to see the full show: Part 1 Part 2 Part 3 Part 4
Mater Dei shuts out Bosse
EVANSVILLE, Ind. (WEHT) — The Mater Dei Wildcats beat the Bosse Bulldogs, 35-0. The Wildcats will face Harrison next week, while the Bulldogs go up against Reitz.
Heritage Hills picks up a victory over Mt. Vernon
MOUNT VERNON, Ind. (WEHT) — The Heritage Hills Patriots beat the Mount Vernon Wildcats, 25-7. The Patriots will face North Posey next week, while the Wildcats go up against Washington.
North Huskies take down Vincennes
EVANSVILLE, Ind. (WEHT) — The North Huskies beat Vincennes, 34-17 on Friday. The Huskies will look to keep the wins coming when they face Jasper next week.
Jaguar Health Announces a Special Stock Dividend
Dividend intended to provide dilution protection to Jaguar shareholders as company continues evaluation of strategic alternativesSAN FRANCISCO, CA / ACCESS Newswire / October 2, 2026 / (NASDAQ:JAGX) ("Jaguar" or "the Company") today announced that its Board of Directors has declared a special stock dividend (the "Special Stock Dividend") to holders of Jaguar Common Stock and certain outstanding warrants as of record on October 13, 2026. The Special Stock Dividend will consist of the Company's Se
Will May Make the Brewers NLDS Roster?
The Milwaukee Brewers evaluate rotation depth to combat a surging San Diego Padres lineup.
Dignity Health Sierra Nevada Memorial Hospital Lights Up Pink in Honor of Breast Cancer Awareness Month
Sierra Nevada Memorial Hospital glows pink for Breast Cancer Awareness Month and hosts Moonlight Mammograms on Oct 8, offering relaxed screenings for women over 40.
‘Unbelievable’: CNN Political Director Gobsmacked as GOP Retreats From North Carolina, Pours Cash Into Kansas
Raise the Stakes | RennerVation Foundation Poker Night Supports Nevada Foster Youth
Get ready to Raise the Stakes for Nevada foster youth! Kelly Burrows and Valieria Koss of the RennerVation Foundation join Sarah Johns to preview Raise the Stakes, a fundraising event
Part of Capitol complex in downtown Sacramento evacuated due to threat
California lawmakers are not currently in session, but construction crews and legislative employees were at the site.
Germany's political center fights for relevance after far-right and far-left gains
Centrist politicians are soul-searching after electoral gains by the far right and the far left. Today's weak coalitions, political fragmentation and dire economy echo a past that led to the rise of fascism.
US states challenge Corteva spinoff as bid to evade PFAS liabilities
Fifteen US states sued agrichemicals company Corteva on Thursday, alleging that the spinoff of its seed and genetics business into Vylor was designed to shield the company’s best assets from tens of…
Paramount-Warner Bros. Discovery will be called Skydance
David Ellison, CEO of Paramount Skydance, speaks during CinemaCon 2026 on April 16, 2026, in Las Vegas, Nevada. (David Becker/Getty Images for CinemaCon)
Scientists seek new ways to protect Sierra Nevada meadows
Sierra Nevada meadows may cover a relatively small portion of the landscape, but scientists say they play an important role in supporting wildlife, storing water and maintaining biodiversity.
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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