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‘All hell has broken loose’: College football world reacts to LSU ruling
The college football madness continued Thursday night, as a Louisiana judge ruled LSU transfers Dae’Quan Wright and Zxavian Harris are eligible to play after spending the summer in NFL training camps. Wright and Harris are among the 42 athletes currently suing the NCAA for a fifth year of eligibility. Judge William Jorden’s preliminary injunction prevents…
Judge makes pivotal ruling in favor of former NFL players attempting to return to college football
A federal judge has granted an injunction that could reshape the LSU Tigers’ roster and college football eligibility, paving the way for more than 40 athletes, including potential LSU transfers Dae’Quan Wright and Zxavian Harris, to return to the college…
Michigan Supreme Court clears ballot measure restricting business political giving
The court said it was not persuaded to grant injunctive relief sought by a coalition of business groups and companies and Jim Holcomb of the Michigan Chamber of Commerce.
Michigan Supreme Court clears ballot measure restricting business political giving
The court said it was not persuaded to grant injunctive relief sought by a coalition of business groups and companies and Jim Holcomb of the Michigan Chamber of Commerce.
DOJ asks Supreme Court to allow Trump’s USPS action on mail-in ballots to proceed ahead of midterm elections
The appeal came shortly before a federal judge was set to decide whether to issue an injunction blocking requirements dictating how mail-in ballots are sent.
Scientists Recreated the Long-Lost Chirps of Jurassic Insects. Listen to the Simulated Soundscape of 165 Million Years Ago
With artificial intelligence and careful modeling of fossilized wings, researchers reproduced how some extinct, katydid-like insects might have made noise
A NASA Spacecraft Is Nearing The Edge Of The Solar System. Its Instruments May Be Shut Off Due To Lack Of Funding
New Horizons' instruments may be shut off before it reaches the Solar System's "termination shock", despite it being fully functional likely into the 2050s.
Entertainment around the area
Justin Hayward, the last surviving member of the classic Moody Blues lineup, leads the entertainment highlights coming to local and regional venues over the next couple of weeks. The singer/guitarist,...
Judge blocks new Trump bid against birthright citizenship
Maryland judge issues preliminary injunction blocking Trump’s executive order targeting what he termed ‘birth tourism’
College football watchability tiers: Ranking every Week 1 game
There are 43 college football games matching two teams from the Bowl Subdivision. We ranked all of them and placed them into four distinct tiers.
Anker's New MindBase Home Hub Runs AI Locally, Doubles as NAS
Anker today announced the launch of Anker MindBase, an AI home hub meant to work with almost 100 Anker devices and Matter-enabled smart home devices from other companies. It works alongside HomeKit, and is equipped with an AI Core compute card and the on-device Anker TrueSmart AI Agent. In addition to working as a smart home hub, the MindBase supports up to 48TB of local storage, and it functions as a NAS. It can be used for storing files, photos, and videos locally.
iOS 27 Introduces New 'iPhone Handoff' Feature
Apple has added a new "iPhone Handoff" feature to iOS 27 that will allow you to switch between two iPhones while using the same phone number on each device. This functionality was briefly mentioned during the WWDC 2026 keynote in June, on a slide that listed hundreds of new features coming in iOS 27 and corresponding software updates, but Apple never shared any further details at the time.
Decagon on Saturn’s South Pole (Single Filter)
A single filter from NASA’s Hubble Space Telescope distinctly shows a 10-sided wave encircling Saturn’s south pole, labeled “decagon”.An “X” denotes where data was not captured.
Court dismisses Trump administration's sanctuary city lawsuit against Rochester
This is the second time a DOJ lawsuit against Rochester's sanctuary city policies has been thrown out.
Rubio Urges Partners to Stop 'Business as Usual' With Nicaraguan Government
WASHINGTON, Sept 2 (Reuters) - The U.S. urges international partners to immediately stop "business as usual" operations with Nicaragua's government, Secretary of State Marco Rubio said in a statement on Wednesday, adding that Washington remains committed to addressing violations of ...
Best NFL player for every franchise before and after 2000: Peyton Manning earns unique distinction
From Peyton Manning and Tom Brady to Jim Brown and Jerry Rice, we pick each NFL franchise's best player from two eras
Hubble tracks new decagon encircling Saturn’s south pole
Recent observations with the NASA/ESA Hubble Space Telescope have revealed a giant, evolving 10-sided atmospheric wave encircling Saturn’s south pole. This discovery marks the first time a large regular-sided jet pattern has been observed in the planet’s southern hemisphere. The feature appears remarkably similar to Saturn’s famous hexagon at its northern pole, but is also distinctly different, suggesting scientists may be witnessing a new atmospheric phenomenon develop on the iconic gas giant.
$21+ Billion Business Process Management Market Outlook 2026-2035 | AI and Automation Drive the Next Wave of BPM Growth
Opportunities center on cloud and low-code BPM, AI/ML and RPA-driven automation, industry-specific platforms, compliance tools, customer-centric workflows, and services that integrate modern solutions with legacy systems. Business Process Management Market Business Process Management Market Dublin, Sept. 02, 2026 (GLOBE NEWSWIRE) -- The "Business Process Management Market, Till 2035: Distribution by Type of Component, Type of Deployment, Type of Functionality, Type of Industry, and Geographical
August Monthly Review: ChatGPT In Epic
Death, taxes, another frontier lab healthcare launch inspiring truly insane LinkedIn takes. As much as I want to stay away, I repeatedly am the crewman unplugging his ears whenever we pass these sirens. So it’s not the first and probably not the last time we dial up the typewriter rather than tie ourselves to the mast. The full blow-by-blow timeline: Health API Guy is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe The End of the Standalone PHR (Jan 8): ChatGPT Health arrives for consumers, at the time powered by b.well. I was bullish on the approach in that the best way for the PHR to finally solve distribution was to meet consumers were they already are (i.e. When Horizontal Meets Healthcare (Jan 9): OpenAI for Healthcare puts out the shingle for enterprises, with SharePoint ingestion standing in for the EHR integration the product actually needed. Another One: Anthropic’s Healthcare Debut (Jan 16): Claude's version, on HealthEx rails instead of b.well, with Agent Skills for FHIR development as the one true vertical-specific investment. ChatGPT for Clinicians: The Trap Sprung (Apr 24): OpenAI filled in the missing GTM middle with a free product for verified clinicians, effectively peeling the enterprise wrapper off ChatGPT for Healthcare and taking the PLG fight directly to OpenEvidence. OpenAI’s Second Attempt at Health (Jul 31): a relaunch of their patient specific app, now branded Health in ChatGPT, where the privacy partition came out, the connectors thinned, and b.well disappeared in favor of first-party FHIR work against a smaller network Beyond a Shingle So what was announced now? Today, we’re introducing a new electronic health record integration that brings authorized patient context from Epic into ChatGPT for Healthcare, along with the Healthcare Public Data plugin for direct, structured access to official healthcare datasets like PubMed, DailyMed, and CMS Coverage. Together, these capabilities bring ChatGPT closer to the systems and sources healthcare teams trust, while supporting the controls and compliance healthcare work requires. The core portfolio is unchanged from prior announcements we delineated and discussed (aside from the relaunch of patient-facing). Since trade publications still seem to be confusing them by using the wrong names: Enterprise sales motion: ChatGPT for Healthcare Protecting their core product / PLG: ChatGPT for Clinicians Consumer/patient-facing product: Health in ChatGPT So really, this is a feature release (specifically for ChatGPT for Healthcare when it comes to EHR integration). What’s cool about it, though, is that we are moving beyond just putting out a shingle. Everything in the January enterprise launch was horizontalizable: Horizontal tech companies thus generally start verticalization with their “putting out a shingle phase”. Telling the world you’re open for business as a horizontal tech company reliably attracts early inbound interest from buyers who are already trying to force-fit horizontal tools into domain-specific workflows and are eager for any signal that the vendor intends to support their use case more directly. Nothing was really vertical specific, which is exactly what you'd expect from the ultimate hypergrowth horizontal company dipping their toes into specific industries. But eventually you have to stop changing the sign on the door and start changing the product. Can you guess where the horizontal product was going to run out of road? This is the core dilemma writ large: verticalization requires differentiation, while scale economics of consumer and horizontal push toward unification. I’ve buried the lede so deep here it will be painful to some readers, but what should be shocking to no one is that my perspective is that EHR integration is the only path that meaningfully resolves this tension for ChatGPT for Healthcare. Integration with Microsoft Sharepoint is fine, but it is categorically insufficient for any product that hopes to influence clinical decision-making. SMART Money Well here we are, eight months later! Real vertical investment has begun, which surprised a few people. One friend in the industry messaged me: “Absolutely no way Epic gave ChatGPT API access.” Looking forensically at the announcements, the integration is notably read-only across appointment notes, laboratory results, medications, and specialist documentation. So while I’m not a betting man, I'd wager the house this is a SMART on FHIR launch: That sounds a lot like USCDI! The recommended path for the workflow they outline would be SMART on FHIR Their Health AI lead’s post is evocative of both standalone and EHR launch SMART, which another termed “ChartGPT” and “EHR Plugin” The implementation burden for SMART on FHIR is the lowest of the available integrative paths This is the team who literally did patient-facing SMART on FHIR with Epic last month Most importantly, if you’re a horizontal company, you generally still haven’t taken the full plunge and thus (overly) value reusability. SMART on FHIR is the logical compromise: healthcare-specific enough to matter, but standardized enough to reuse. Nobody Asked Judy Another friend asked “I thought they had to go to each health system, or did they go direct to Epic and now health systems opt in?” Given the trust paradigms in healthcare, this functionally cannot be Epic hoovering up all the data for OpenAI and shoving ChatGPT in their customers’ faces (or they would revolt). However, I do believe the aforementioned terrible coverage by TechCrunch and other outlets is probably responsible for that question, given the 325 million reference. When using FHIR as a business associate to an Epic customer, there is no EHR gatekeeping to speak of, as that isn’t how fhir.epic.com works: You register an app You pick your APIs You test against the sandbox APIs You list as “Ready for Production” Hospitals pick your app You test and go live with them Bluntly, nobody had to say yes or no in Verona (nor were they given the chance). Vendor Services (their next developer tier up that I doubt OpenAI is using quite yet in this initial release) certainly has contractual paperwork that some resent, but even there, the twin pressures of mounting antitrust and information blocking make outright gatekeeping increasingly fraught. My friend’s sentiment is, to me, representative of a broader industry neurosis, perhaps a sort of scar tissue of prior eras: people assume the gate is still there and never actually try the door. There are certainly other ways Epic (and any EHR) can put its thumb on the scale, but they are not so dumb as to stand in front of a federally mandated API and play bouncer at this exact moment in time. So I think they can and probably should go deeper, as this release is at best parity and at worst behind vertical-specific competition. OpenEvidence did a basic SMART launch with Sutter Health in February, allowing for more convenient evidence search by providers. They then add patient-context (the equivalent SMART on FHIR flow to what we see here) when Cedars-Sinai went enterprise-wide in May. UpToDate has four distinct applications across deeper workflows like patient engagement listed in Epic Showroom and announced a partnership with Epic to power Art at UGM Abridge and other ambient scribes have invested deeply into the deepest bidirectional clinical copilot workflow with integrations well beyond SMART on FHIR. In that light, the “Who is OpenAI primarily targeting here?” is clear. This release brings them into striking distance of OpenEvidence, but not the others quite yet. They are the only one of the three you can reach without building something truly Epic-specific. When will they go further? Competition is a great motivator to overcome the horizontal demons and start building things that can’t be reused: not across industries, not across EHRs, maybe not past the customer you built them for. That’s the price of actually verticalizing. The question is if and when OpenAI will be willing to pay it. Month in Review Here is the monthly review. As a reminder, this is a regular round-up of the month’s posts and other content to surface things you may have missed across regulation, litigation, interoperability, and beyond. AI assistance is used in these bullet summaries so I can focus on articles. Articles Published: None this month Video Content: The Information Exchange: Standards-based Thruple Edition (Aug 14): Back to school for us too, with Brad reporting in from the CMS Health Tech Ecosystem’s one year anniversary in DC. We get into the January CMS-0057 deadline, the fall rulemaking reading list, and why enrollment still keeps most apps off FHIR. The Information Exchange: Epic Dúnadan Edition (Aug 25): A UGM roundup with Ryan Brickner joining for the first time to check our takes against what the building actually thinks. Rangers, Ergo sitting on top of EHI, and a down-market lineup that needs some cuts. Regulatory: Stacked Deck, Bad Hand (Aug 05): ONC’s website refresh took the entire HIT Policy Committee record with it, so I rebuilt the archive and went looking for the regulatory capture story everyone assumes is buried in there. Stacking the deck and winning the hand turn out to be very different things. The Sixth Generation of Patient Access (Aug 19): A quick catalog of the five generations of patient access we’ve layered on since HIPAA, and the two candidates now competing to be the sixth. One is planned. The other is the market routing around the plan entirely. Court cases: Three Cases Walk Into a Docket (Aug 06): Two surprise settlements cleared the board in a single week, and then Judge Maddox dropped ninety-four pages on Vyne v. Henry Schein. The sleeper is a DMCA holding that makes direct-to-database a considerably riskier business model. Epic v. Health Gorilla: Into the MDL (Aug 10): Nine class actions are headed to Miami, and the Panel signaled it wants to bring the case that spawned them along too. That would leave Epic arguing the requests were obviously fraudulent in one courtroom and unknowable in the other. Amazon v. Perplexity: Agents Are Legalized! (Aug 11): The Ninth Circuit vacated the injunction against Comet, holding that the user is the one accessing the servers rather than the company that built the agent. A real win for agentic access, and a much narrower one than the headline suggests. Veeva v. Epic: Come At Me, Bro (Aug 26): Epic’s response brief wants the dismissal affirmed and, unusually, wants the opinion published as precedent. Buried in it is Epic’s own description of what its non-competes actually prohibit, which current and former employees should read closely. EHRs: The Contract Epic Would Never Sign Today (Aug 04): A 1999 SEC exhibit catches Epic licensing nearly its entire product line, Tapestry included, to the company that became TriZetto. The marketing services menu attached to it is the part that will make you blink. Forecast from Verona (Aug 07): The Epic Almanac makes one argument six different ways: the AI is only as good as the networks behind it. Emmie headlines, Art’s context stack is the most ambitious part, and Penny finally gets an autonomous coding date on the calendar. Works With Epic MyChart (Aug 17): Epic’s first new Showroom category since the death of Workshop certifies hardware instead of software, badge on the box and all. Made for iPhone, but for blood pressure cuffs, and rough news for anyone selling the RPM stack sitting in between. UGM Hot Takes 2026 (Aug 20): Everyone else covered the AI announcements, so I went after Savvy deleting the payment gateway, Rangers as Boost with the timer removed, and a down-market lineup with too many entries. Plus the Health Grid tidbits I cannot help myself on. MyChart Central Grows Up (Aug 24): Device data and Emmie turn Epic’s identity hub into a full consumer platform, which is both a logical answer to ChatGPT and a bit of a mistake. It also happens to be the best scraping target Epic has ever shipped. Industry Analysis: The Wrong Yardstick (Aug 12): Vertical software keeps getting judged against Superhuman and Notion, which is the wrong bar entirely. Your user is comparing your product to a whiteboard and forty phone calls before lunch. Primitives vs. Abstractions (Aug 27): Developers want building blocks, systems of record prefer to hand out business logic, and both sides have a real case. There’s no test from the outside that separates the engineering reason from the competitive one, which is why this keeps ending up in court. Cross-industry Comparisons: The Two Kinds of Platform Power (Aug 18): Attention power and record power are different problems that keep getting handed the same regulatory toolkit. Congress’s latest swing at Big Tech shows both what’s possible and where it falls apart. The Dogs of (Platform) War (Aug 21): A CourtListener alert turned up a property management fight with healthcare’s exact shape and none of the Cures Act. Shell prospects, ghost accounts, a notetaker bot that came back to haunt someone, and a lawyer arguing both sides of the same theory in two states. Fractals All the Way Down (Aug 31): Yardi dominates property management right up until you zoom into one segment, where AppFolio owns it outright and Yardi doesn’t appear at all. Where you draw the line around a B2B software market is about to decide an awful lot of cases. Other News: If Judy Had the Courage (Aug 13): A short eulogy for the era when software was allowed to look insane: WinAMP, bold colors, and everything the grey chatbot era has taken from us. External Media: Portland Monthly Health Tech Meetup: Erin O’Brien channeled my own feelings - maybe it’s just because it’s August and beautiful, but the monthly edition of the PDX Health community meetup was a ripper. Make sure to reach out if interested to join for the next one. STAT’s Coverage of Epic This Month: Brittany Trang of STAT did a fantastic job of breaking the FTC investigation that’s been lurking, as well as UGM related coverage, so I had to give her her wish of a meme. Fall Conferences: I’m pumped to be kicking off my fall conference season in NYC at Nabla Accelerate next month, which Chrissy provided the link to apply for. Here’s the rest of my schedule in case you want to meet up: Commonwell (Redwood Shores, CA): Oct 13-14 Open@Epic (Madison, WI): Oct 21-22 eHealthExchange (Austin, TX): Oct 27 Sequoia Project (Austin, TX): Oct 28-29 HLTH (Vegas): Nov 15-18 RSNA (Chicago): Nov 29-Dec 3 Posts I Liked: HTI-6 Should Unbundle API Certification: Josh Mandel makes the case that HTI-6 should split (g)(10) into separate authorization and data certifications, so a PACS or a genomics platform can certify only the role it actually performs. Imaging is the urgent example, but the structure solves a much bigger problem. On implementing ePrior Auth with Epic: Scott Rossignol’s field notes from a live ePrior Auth build on Epic, including the two app registrations nobody warns you about and the CPT mapping problem waiting at the end. CMS-0057 implementations are going to be such a beast. Healthcare point solutions are starting to look a lot like streaming services: Spencer Dorn runs the cable-to-streaming arc against health IT and lands squarely on the bundling half of the cycle. Bundling can be good! It can also be bad! Life is nuanced. Health API Guy is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe
Florida Politics: Hope Florida, Nixon-Moody debate?
Florida Governor Ron DeSantis is set to host a forum with several huge names in the Florida Republican Party, such as Attorney General James Uthmeier and GOP Gubernatorial Candidate Byron Donalds. Meanwhile, Angie Nixon is throwing her hat into the ring, challenging U.S. Senator Ashley Moody to a public debate ahead of the general election. POLITICO Reporter and Florida Playbook author Kimberly Leonard joined FOX 35's Garrett Wymer live over Zoom to discuss what's new in Florida politics.
Google's answer to Canva is an AI tool where you prompt instead of design
With Google Pics, Google is pushing deeper into the creative software market dominated by Canva and Adobe, but with a distinctly AI-first approach.
Sarasota bakery earns Michelin recognition, owner says business has doubled
Focaccia Sandwich & Bakery is one of three Sarasota restaurants to earn the distinction
Could humans ever communicate with whales?
Ever since the earliest known recording of whale song was made in 1949, researchers have been captivated by the wails, rumbles, clicks, grunts and squeals of their communication. As technology improves, scientists are decoding the intricate patterns that make different species’ vocalisations distinctive. Madeleine Finlay hears from Emma Bryce, a journalist who has spent months investigating human efforts to understand whale song. She explains how this knowledge could help us better protect whales from human-made harms.Credits:1. Valeria Vergara/Raincoast Conservation Foundation2. Footage courtesy of Raincoast Conservation Foundation - Obtained for research under SARA permit XMMS 4 20263. Video by Amanda Cotton/Project CETI4. Footage courtesy of Valeria Vergara and GREMM. Obtained for research under SARA permits QUE-MM02-2016 and QUE-LEP-001-20185. Project CETI6. Project CETI
A New Adventure With A Familiar Name: The New Tudor Northflag GMT
The new Tudor Northflag M9140G1A0U-0001 with a GMT function. Powered by caliber MT5652-U. Retail price €5,100
Scientists discover why snake embryos twist into spirals
Snake embryos begin life curled into a distinctive right-handed spiral, and scientists may finally know why. Their bodies grow faster than their guts, creating a tether that forces the lengthening embryo to buckle and twist inside the egg. Researchers reached the conclusion after studying more than 900 embryos and using CT scans to reveal the hidden anatomy behind the coils.
California to buy defunct horse track and turn it into the Bay Area's newest public park
California lawmakers struck a deal to divert $125 million in climate funding to buy the former Golden Gate Fields track and turn it into a park
OpenClaw 2.0 is here: What it means for enterprises
OpenClaw is making another bet: that enterprises ultimately need an agent platform to function as both runtime and workplace.
What does the Lindsay Clancy trial tell us about treating maternal mental health?
Lindsay Clancy is currently on trial for killing her three children.Prosecutors say the murders were intentional, but her defense team says she was suffering from severe postpartum psychosis -- a condition that does not have a distinct diagnosis in the Diagnostic and Statistical Manual of Mental Disorders.That's the handbook used to identify mental health conditions, so patients often have a hard time getting proper care.The case has put a spotlight on maternal mental health and how its treated by the public and healthcare professionals. What does it reveal?WBUR’s Deborah Becker contributed reporting to this episode.It was produced by Megan Lim and Karen Zamora, with audio engineering by Éowyn Fain, Hannah Gluvna and Ted Mebane. Our director is Jonas Adams.It was edited by Justine Kenin and Tinbete Ermyas.Our interim executive producer is Courtney Dorning.Support public media with NPR+ and enjoy perks for over 25 podcasts like this one. This show’s perks include bonus episodes and sponsor-free listening. Learn more at plus.npr.org.
Noah Kahan’s heartwarming Seattle concert turns tears to elation
The small-town troubadour is an unlikely stadium filler, but his distinctly American songs sounded right at home in a sold-out T-Mobile Park.
Wellsburg Health Care Center and Red Cross host Community House blood drive in Follansbee
WTOV NBC 9 provides local news, weather forecasts, notices of events and items of interest in the community, sports and entertainment programming for Steubenville and nearby towns and communities in the Ohio Valley area including, in Ohio Steubenville, St. Clairsville, Wintersville, Cadiz, Bellaire, Toronto, Martins Ferry, Barnesville, Shadyside, Bridgeport, and Mingo Junction and in West Virginia Wheeling, Weirton, Moundsville, New Martinsville, and Wellsburg.
Virtual e-health system safely monitors cardiac devices and cuts costs
A virtual e-health system (VIRTUES) was as safe and effective as standard care for monitoring the function of cardiac implantable electronic devices, with the benefit of cost savings and patient satisfaction.
The Blood of Dawnwalker: Benchmarks of Graphics Cards and Processors
We completed large-scale benchmarks The Blood of Dawnwalker + GPU from RTX 3060 to RTX 5090 and RX 6750 XT – RX 9070 XT in conjunction with CPU AMD and Intel....
If your Google Messages group chats are malfunctioning, you're not alone
Google has acknowledged the issue.
Students connect over niche interests at Marine Science Club
The University of Alabama offers over 200 majors for undergraduate degrees, but one of the rarest is marine science. Since Tuscaloosa is not a coastal city, it can make some of the coursework unconventional. The Marine Science Club, however, makes it streamlined. While the Marine Science Club is open to all majors, it provides valuable...
Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices
Hey all, Jason here. When this hits your inbox, I should be en route to the airport — not to go anywhere myself, just to pick up my better half. I must admit, it’s been strange to be home alone (well, with two dogs) for two weeks! Really lets me “optimize” to spending more time on reading/writing/working, whether that’s healthy or not! Looking forward to getting back into a (somewhat) more balance routine. Subscribe or Support by Upgrading Compare Notes With the People Who Built Modern Fintech Partner content: Remitly CEO Sebastian Gunningham. Increase founder Darragh Buckley. Linda Du, Co-founder & President at Valon. They’ll unpack the decisions behind building and scaling major financial products: what they got right, what broke, what they would do differently, and how AI and new infrastructure are changing the operator playbook. Most events tell you where fintech is going. NerdCon puts the people who built the present in the room and asks them what comes next. Expect an operator-led conversation grounded in real products, real trade-offs and lessons earned the hard way. Fintech Business Weekly readers save 20% on Regular tickets with code FBW20 before standard pricing ends September 11. Meet the Builders Things To Know & Other Good Reads Advent and Stripe Abandon $50 Billion Pursuit of PayPal (Bloomberg) Trump Family’s New Crypto Bank Is Backed by Abu Dhabi Sheikh (Wall Street Journal) The multiplying risks of financing data centres (FT) Let the Bond Market Speak (Wall Street Journal) Did we waste a crisis? Modest proposals to reform deposit insurance. (Fintech Takes Banking) Untangling Guggenheim: How Private Credit Built Its Own Universe (Net Interest) The Hater’s Guide To Circular Financing — Part One (Ed Zitron) Fiat Ventures Rebrands to FGV Capital, Announces $35M Oversubscribed Fund II (BusinessWire) Socure Announces Strategic Growth Investment at $5.2B Valuation and Acquires Agentic Operations Platform Fravity (Socure) Listen: When Consumer Protection Disclosures Work Too Well (Consumer Finance Monitor Podcast) Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices When Andreessen Horowitz led EarnIn’s $39 million Series B in 2017, Alex Rampell, a partner at the storied venture capital firm, described EarnIn’s small-dollar advance product as “free,” relying on “entirely on voluntary contributions instead of fees.” Rampell favorably compared EarnIn’s approach to typical payday loans, writing, “Payday loans historically have had the potential to be a slippery slope for consumers into financial distress: opaque systems and steep fees that are hard to repay and set individuals back further than where they started. For many Americans living paycheck to paycheck, that kind of slide into debt can be extremely difficult to recover from.” But EarnIn’s product — which, the company says, isn’t a “loan,” legally speaking — ends up being anything but free for most users. While it is technically possible to take a no-fee advance from the company, most users incur “Lightning Speed” (instant funding) fees and/or ostensibly optional tips that combined can equate to annualized percent rates that can reach over 1,000%. With an average term of 9.77 days, even fees and tips that are small on an absolute dollar basis are equivalent to high APRs on an annualized basis. A lawsuit filed last week by Colorado Attorney General Phil Weiser against EarnIn describes the company and its product and business practices quite differently than Andreessen’s Rampell; “EarnIn’s business practices are unfair because they are immoral, unethical, oppressive and unscrupulous,” the complaint, filed in District Court in Denver, Colorado, says. EarnIn’s marquee product, Cash Out, isn’t a loan, the company says, as Cash Out is not “[f]orward [l]ooking” because “[t]he money is transferred based on earnings to date,” does not carry a mandatory fee to access funds, and is “non-recourse,” meaning EarnIn cannot pursue recovery from users who don’t repay advanced funds. EarnIn is sometimes referred to as an “Earned Wage Advance” service. Though, unlike some others in the broader category, EarnIn does not integrate with employers’ payroll or time and attendance systems. Rather, EarnIn attempts to verify a user’s income and employment, by examining direct deposit transaction data in their linked external bank account, by using GPS location and Bluetooth data to estimate a user’s time spent at work, if they work in a fixed location, and/or by having a user provided a work email address. While repayment is theoretically optional, as EarnIn would have no recourse, such as reporting non-payment to the credit bureaus or a collections agency, this is anything but clear to users of the EarnIn app, Colorado’s complaint argues. During the process of taking a Cash Out, users must agree to a preauthorized debit of the amount advanced, plus any expedited funding fee and/or tips. Though users technically can revoke this ACH authorization, the fact that they have this right isn’t presented to users during the Cash Out process, but rather is included in linked terms and conditions few users are likely to actually read. And users who do wish to revoke their ACH authorization must do so three or more days before the scheduled transaction date by emailing EarnIn’s customer support. Similarly, EarnIn’s marketing claims that it carries “no interest” and “no mandatory fees” is technically true, but is not the reality for many of the app’s users, the Colorado complaint argues. Further, EarnIn has extensively marketed to users the ability to “access your pay today,” to get “instant” funds, and to get funds “the same day you work” — when, in reality, this speed of access was only possible by paying the additional, undisclosed Lightning Speed fee. The Colorado complaint highlights this contradiction specifically, noting: EarnIn tells consumers that they can ‘Make any day payday with EarnIn’ and that there no ‘hidden’ or ‘mandatory fees.’ For a consumer to access their pay on the same day requested, they would have to pay the Lightning Speed fee. In the fine print of the advertisement EarnIn discloses that ‘[f]ees apply to use Lightning Speed,’ a direct contradiction to the larger text of the advertisement, and a fact that would not be immediately understood by a consumer as ‘Lightning Speed’ is not defined nor explained. Like other small-dollar lending services, rather than explicitly charge interest, EarnIn collects a markup on the optional Lighting Speed fee, which, given the nature of the transactions, many users opt for, as well as offering users the option to leave “tips.” EarnIn leverages either Real-Time Payments (RTP) rails or push-to-card via debit rails if a user opts for the optional Lightning Speed. But while these capabilities cost EarnIn, on average, $0.075 or $0.20 per transaction, respectively, EarnIn charges users significantly more. Initially, EarnIn charged as little as $1.99 for Cash Outs up to $24. But EarnIn has hiked these fees multiple times, and now charges $4.99 for Cash Outs up to $75 and $6.99 for those over $75. According to the Colorado complaint, EarnIn leverages “dark patterns” to manipulate users and to make it more difficult to avoid tipping. Examples of these “road blocks” highlighted in the complaint include: As of 2023, in the EarnIn app, a consumer attempting to get a loan under the default settings had to make at least eighteen separate taps to complete the transaction and reduce the tip to $0. There is an alternative method to leave a $0 tip, via the “Custom tip” feature, but EarnIn made this option difficult to access by visually deemphasizing it and positioning it near devices’ “home” button. Using language and imagery such as “Tip to pay it forward,” “Your generosity supports the service + helps,” “Your tips make a difference,” and “[t]he APR for this cash out is 0%. Your tips help support us.” While Lightning Speed and tipping are, in theory, both optional, in practice, users nearly always ended up paying something. According to the Colorado suit, users were charged either a tip or an expedite fee for more than 92% of transactions, with an average APR of nearly 388%. And, although the advances are “non-recourse,” EarnIn successfully collects on nearly all transactions — 99.18%, according to the complaint, which, Colorado argues, “demonstrat[es] that EarnIn’s advances function as high cost loans, not voluntary payments.” The share of EarnIn users incurring fees — despite the product being marketed as 0% APR — is hard to reconcile with Andreessen investor Rampell’s favorable description of EarnIn vs. “opaque systems and steep fees” associated with payday loans, which, Rampell says, can be “extremely difficult” for borrowers to extricate themselves from. According to Colorado’s suit, EarnIn’s Cash Out product “trapped many consumers in extreme cycles of high-cost reborrowing.” The suit gives an example of one consumer in the state, who took out a whopping 1,151 loans, paying a total of $4,038.50 in Lightning Speed expedited funding fees on loans that averaged the equivalent of 1,421% APR. Another Colorado user, the suit says, took out 1,033 loans, paying $8,561.22 in tips and fees at an average APR of 1,539% . These types of usage patterns demonstrate “the severe and repeated financial harm caused by EarnIn’s illegal lending model,” the Colorado complaint argues. In aggregate, from January 2023 through July 2025, EarnIn extended 3.1 million loans to 56,778 users in Colorado — an average of nearly 55 transactions per person during the time period. EarnIn lent more than $300 million and collected more than $16 million from Colorado users in Lightning Speed fees and in tips. Ultimately, the Colorado complaint argues that “EarnIn’s Cash Outs are loans under Colorado law, and EarnIn’s contention that its product is not a loan based on its disclaimer of any legal repayment obligation lacks any real-world significance given how the Cash Out transactions actually operate in practice.” Colorado further argues that “EarnIn was not working with companies here in providing consumers with funds but acted as a third-party lender and charged illegally high rates, used deceptive design strategies to extract some charges, and trapped consumers in repeat borrowing. Colorado will continue to stand up for consumers and hold companies accountable when they violate our credit laws or attempt to evade them through misleading practices.” Colorado’s suit alleges EarnIn assesses finance charge in excess of that permitted by Colorado law, that EarnIn failed to make legally required disclosures to Colorado borrowers, that EarnIn made supervised loans to consumers without obtaining the requisite license, that EarnIn violated the state’s Deferred Deposit Loan Act, that EarnIn engage in unfair and deceptive trade practices, and that EarnIn made false or misleading statements concerning price. The suit seeks a court order enjoining EarnIn from violating relevant Colorado laws, for EarnIn to refund amounts charged in excess of state law, fees, costs, and penalties, and other relief the court deems to be just. Fintech Business Weekly is made possible by the generous support of paying subscribers — bringing you independent analysis of banking, fintech, and crypto without fear or favor. You can support my work by becoming a paying subscriber if you aren’t already. Paying subscribers enjoy: access to the entire archive of nearly six years of newsletters extended versions of the weekly newsletter, with additional content and analysis and (for founding member tier) quarterly personal 1:1 fintech Q&A / strategy calls with me, tapping into my unparalleled knowledge of the intersection of banking and fintech and experience working in the sector, including helping to launch Goldman Sachs’ retail bank Marcus Support Fintech Business Weekly You can also support Fintech Business Weekly by sponsoring a newsletter or podcast, putting you in front of 93,000+ of the most influential decision makers in banking, fintech, and crypto. Learn more about sponsor opportunities or request a media kit by dropping me an email. Q2 Quarterly Banking Profile: Five Quick Takeaways The FDIC released its quarterly banking profile, which is always worth a read, for the second quarter. The profile provides an aggregate snapshot about the overall health of the 4,238 institutions whose deposits are insured by the FDIC, who, collectively, hold more than $26 trillion in assets and saw a total net income of more than $90 billion in the second quarter. Net income was up 12% vs. Q1 2026, with lower provisions and realized gains on securities helping to drive the improvement, somewhat offset by increases in non-interest expense and applicable income taxes. Overall net interest margin was basically flat quarter over quarter (up 1 basis point vs. Q1 2026), though community banks saw NIM grow by 10 basis points, to 3.81%. Unsurprisingly, given that interest rates haven’t changed, unrealized losses on securities changed little, edging up slightly to $326.7 billion vs. $325.1 billion in Q1 2026. Aggregate credit quality has remained benign, with asset quality actually improving slightly in Q2. Overall, institutions reported a 9 basis point decline in their past-due and non-accrual rate, to 1.44%. Net charge off rate also declined by 2 basis points, to 0.57%. And finally, the FDIC’s deposit insurance fund stands at $161.1 billion, making the DIF reserve ratio 1.48% — above the statutory minimum of 1.35%, but still below the designated target reserve ratio of 2%. [Paid Subscriber Exclusive] Nissan Withdraws ILC App, State Associations Plan BankChain Alliance, FDIC Defines “Unsafe or Unsound Practice” For First Time Automaker Nissan withdrew its application to charter a Utah industrial loan company and its corresponding application to the FDIC for deposit insurance last week, on August 19th. Nissan’s application had been outstanding for more than a year, as it originally applied in June 2025. Recent applications to the OCC to form national banks have been decisioned, one way or the other, substantially more quickly than has historically been the case.
Politics chat: more tariffs, mail-in voting order, Kushner-Jeffries meeting
Real economic sanctions on Canada and economic threats to countries trading with Iran may work against Republicans in the midterm elections.
1.4-million-year-old footprints reveal a surprisingly large human relative
Ancient footprints in Kenya reveal that eight Paranthropus boisei may have traveled together 1.4 million years ago, with some individuals reaching surprisingly large, human-like body sizes. The tracks offer a rare glimpse of their social behavior and suggest these extinct human relatives may have lived in more complex groups than previously thought.
HEPA air purifiers may boost brain function after just one month
Adults aged 40 and older performed about 12% faster on a test of executive function after using a HEPA air purifier at home for one month. The findings suggest that cleaner indoor air could offer a simple way to help protect the brain from the effects of traffic-related pollution.
In 1990, the northern spotted owl became a symbol of America’s logging wars; 36 years later, scientists say it is already functionally extinct across large swaths of its range
In 1990, a small bird became an unlikely symbol of one of America’s fiercest environmental battles. The northern spotted owl was listed as threatened under the Endangered Species Act, putting the future of vast stretches of old-growth forest in the Pacific Northwest at the centre of a bitter fight between environmentalists and the logging industry.
Stressed out about politics? It could be impacting your health
Political stress is a distinct type of stress that refers to how political events, decisions and actors, can cause anxiety, even depression, and other health impacts. Academics like a team of researchers at the Body Politics Lab at Western University are digging into how people feel, emotionally and physically, about politics.
“Zombie” Cells Reveal a Surprising New Driver of Chronic Inflammation
Dysfunctional mitochondria may drive age-related inflammation by helping switch on inflammatory genes, and blocking SLC25A1 reduced that activity. As people age, senescent cells accumulate in the body. These so-called “zombie” cells have stopped dividing but remain metabolically active, releasing inflammatory molecules that can contribute to persistent inflammation associated with frailty, cardiovascular disease, cancer, neurodegeneration, and
Most Business Advice Is 'Trash,' Says Kalshi CEO. But There’s a Catch
Great leaders know when to trust their instincts and when seeking advice is the smartest move they can make.
Ala. health system opens operations center with plans for up to 250 jobs
Huntsville Hospital Health System and Marshall Medical Centers opened a 32,000-square-foot operations hub in Arab to support scheduling, billing, customer service and other health care functions
Therapy Has a Relationship Problem
When therapy mistakes relational distress for dysfunction, it leaves people with fewer meaningful connections and worse mental health, writes David H. Rosmarin.
24th Annual BioBlitz at Seacoast Science Center
Join Seacoast Science Center on Sunday, September 20, 2026 for the 24th BioBlitz, the non-profits annual community science event in Odiorne Point State Park. Families and nature enthusiasts team up with SSC naturalists and guest experts to explore the Park’s habitats to find and identify as many different species as possible in just one day! BioBlitz is a great way to get kids (and adults!) excited about science, learn about the park’s biodiversity, and discover how you can help protect our natural world.Like an extreme nature scavenger hunt, BioBlitz offers many opportunities for all ages to gain knowledge and hone skills in their favorite areas of nature! Habitat, plant, and animal explorations are scheduled throughout the day, allowing participants to choose among activities that interest them the most. With seven distinct natural habitats to survey, there’s something for everyone! Explorations include tide pools, mammals, seine netting, salt marsh, mushrooms, and more (see full schedule online, subject to change). Find all the details on the BioBlitz web page, and get your tickets to explore with SSC: https://www.seacoastsciencecenter.org/events-overview/bioblitz
Federal judge blocks Trump mail-in voting rule challenged by WA
The coalition of 25 states now seeks a preliminary injunction to stop the rule from taking effect while the lawsuit proceeds and until a final court decision is made.
10 must-watch Netflix movies coming in fall 2026
Netflix’s fall film slate features Ben Affleck, Anya Taylor-Joy, Charli XCX, and... Jacob Tremblay as the Unabomber. Here are 10 movies to put on your radar.
NYC Health + Hospitals/McKinney Employee Receives Award from LeadingAge New York
NYC Health + Hospitals/McKinney announced the recognition of Kurt Bartholomew as recipient of the 2026 LeadingAge New York’s Employee of Distinction
Auto review: 2026 Nissan Frontier Pro-4X offers function over flash
There is an arms race underway in the automotive industry. Blackened chrome, LED strips, giant grilles, screens the size of suburban kitchen islands, illuminated logos, animated turn signals, ambient lighting
Inside Jessica Chastain’s dual roles in ‘Other Mommy’
Jessica Chastain mixes ‘saccharine’ with ‘rageful tension’ for her two roles in the horror movie ‘Other Mommy.’ Director Rob Savage previews the Oscar winner’s ‘delicious’ performance.
Towson business shuts down for evening after large crowd gathers nearby
Silks Sports Bar said it decided to “shut down all business functions and cease operations for the evening” as crowds grew near its business.
The hollowing out of Tennis.com is a warning for American sports journalism
Tennis.com once paired news and scores with distinctive voices. Its overhaul is the latest sign that serious tennis writing in the US is becoming endangered
Trump administration designates three far-left groups as violent terrorist networks under new sanctions
The Treasury Department sanctioned Palestine Action, Autistici Inventati and Masar Badil, freezing U.S. assets tied to violent far-left terror networks.
Democrats hand Trump one power they spent years fighting
Senate Democrats voted to give Trump limited tariff authority in exchange for Russia sanctions, a move some warn he could exploit against trade partners.
Lessons from Chinese business leaders about integrating AI in the workplace
China's experience in moving from AI adoption towards durable productivity – in three distinct stages – offers a blueprint for the rest of the world
The Science of Sex Differences Comes into Focus
From molecular differences in the brain to distinct responses to anesthesia and pain, sex-inclusive research fills gaps left by decades of male-biased studies.
Viral AI startup Instinct has raised $350 million at a $2.5 billion valuation
The startup is only a year old but it has already generated a massive amount of hype (and money) while also spurring privacy concerns.
New Twitter launches, says Musk's X gave up the name
Judge hasn't ruled on X Corp’s preliminary injunction, but Operation Bluebird plows ahead...
New TAVR risk score could help predict poor functional outcomes among older patients
Predicting complications is one thing—the team behind this study hoped to anticipate when patients are more likely to see a minimal benefit from TAVR.
Millions of barrels of Iranian oil sit beyond Trump blockade as he vows ‘zero leakage’
Nearly 40 million barrels of Iranian crude sit on tankers near Malaysia, posing a test for Trump's "zero-leakage" sanctions campaign against Tehran.
VCs Are So Obsessed With This AI Assistant That Its Valuation Jumped Fivefold In Weeks
A hot new AI agent called Instinct was valued at $500 million earlier in August, sources say. Now it's raising a new round at a $2.5 billion valuation from Benchmark and Index.
190-year-old DNA reveals a hidden pangolin species
DNA from a nearly 190-year-old museum specimen has helped scientists confirm a distinct Himalayan pangolin species hiding in plain sight in Nepal and northern India. The discovery could give conservationists a powerful new way to trace illegally traded pangolin scales back to the species and regions being targeted by poachers.
Trump needs to get tough on China to get tough on Iran’s economy. He’s been reluctant to do that
The Trump administration appears to have landed on a fallback strategy in the Iran war after military strikes and negotiations failed to deliver victory: threats of very harsh economic sanctions.
Metro 2039 Doesn’t Mess Around, and it Might Already Be My Favorite FPS in Years
In an age where single-player first-person shooters are slowly going extinct because they only make money for their publisher once while multiplayer live-service shooters vie for our time and attention on a daily basis (and often contain lots of bullsh*t, like microtransactions and/or drawn-out gameplay loops), Metro 2039’s single-player-only craftsmanship and attention to detail after my first few hours with it have me already prepared to call it my favorite first-person shooter in a long time.
A Defunct Nuclear Site Had a Meltdown in 1959. A New Study Shows It's Still Causing Health Problems
Researchers found elevated reports of autoimmune and endocrine disorders among people living within 5 miles (8 kilometers) of the Santa Susana field Laboratory.
Finns may live to 80 or 85, but productive healthy years average 43 to 46
For the first time in Finland, population-level norm values have been established for estimating life expectancy adjusted for health-related functional capacity and productivity. The new study provides ...
ADHD and Gut Health: Surprising Insights from New Research
Gut health and ADHD are more connected than we know. Gut microbiota, influenced by nutrition, affects attention, mood, impulsivity, and executive function…
Out of the Lab: Business Course Gives Scientists Opportunity to Explore Entrepreneurship - Polsky Center for Entrepreneurship and Innovation
The Entrepreneurship for Science and Medicine course gives University of Chicago graduate students, postdocs, and faculty the opportunity to explore the intersection of science and business. Taught by Chicago Booth School of Business Adjunct Professor of Entrepreneurship Robert Altman, MBA ‘88, and offered in partnership with the Polsky Center, the course examines how scientists can
Out of the Lab: Business Course Gives Scientists Opportunity to Explore Entrepreneurship - Polsky Center for Entrepreneurship and Innovation
The Entrepreneurship for Science and Medicine course gives University of Chicago graduate students, postdocs, and faculty the opportunity to explore the intersection of science and business. Taught by Chicago Booth School of Business Adjunct Professor of Entrepreneurship Robert Altman, MBA ‘88, and offered in partnership with the Polsky Center, the course examines how scientists can
Penobscot Community Health Care faces cash crisis, possible bankruptcy
CEO email to employees details financial pressures and contingency plans
The Dalles police seek suspect after $500 in “self-entertainment devices” goes missing
The Dalles Police Department says a man with a distinct tattoo stole over 500 dollars of "self entertainment devices" from a local business in a social media p
The living world is forcing scientists to rethink purpose
Purpose is not only a question of meaning. For philosopher Alan Love, it is also a question of life, agency, function, and scientific method.
Kids Make Games, Learn Computer Science In Summer Coding Club
Children learned how to code and program games in Summer Coding Club, held at C.H. Booth Library between Monday, July 27 and Thursday, August 20. Designed for students entering grades five through eig...
Gold hits highest level in three months as traders worry about US inflation and bond market jitters
Spot gold touches almost $4,700 an ounce while oil prices fall despite threat of heavy US sanctions on Iran and any country trading with it
Iran defiant as US vows ‘economic D-Day’ penalties on nations doing business with Tehran
The US is threatening damaging new sanctions on countries that refuse to cut economic ties with Iran, but has stopped short of actually imposing big new penalties. Follow for live updates.
El Paso provider raises awareness for pelvic floor health, urges patients to talk
An El Paso health care leader is urging people to talk with their doctors about pelvic floor dysfunction this month, saying many patients live with symptoms for years without realizing the condition is treatable.
Trump’s ‘Economic D-Day’ for Iran Must Overcome a Troubled History
The U.S. has spent 20 years promising ‘crippling sanctions’ on Iran. But the latest effort comes with a reverse twist, after military action failed to accomplish President Trump’s goals.
The Woolly Mammoth’s Comeback Is Taking Longer Than Expected
Colossal Biosciences now estimates that it will de-extinct a woolly mammoth sometime in the 2030s.
Bessent warns countries to halt business with Iran or face action
U.S. Treasury Secretary Scott Bessent on Monday (August 24) announced an expansion of secondary sanctions it can impose on entities and countries that maintain business ties with Iran around the world as Washington significantly ratchets up economic pressure on Tehran with the war nearing its 6-month mark.
US aims for ‘economic asphyxiation’ of Iranian regime with new wave of secondary sanctions
Treasury Secretary Scott Bessent launches Operation Economic Outcast, targeting Iran's economy with secondary sanctions to cut off global trade revenue.
Instinct’s powerful AI assistant is raising privacy and security concerns
Early testers are raving about what Instinct can do, but some say the AI assistant’s sweeping access, broad terms and ability to act on users’ behalf come with uncomfortable trade-offs
Bessent threatens new Iran secondary sanctions
Monday’s announcement was directed at countries whose trade and business relations still benefit the Islamic Republic.
Postal Service issues new mail-in ballot rule
The U.S. Postal Service said the new rule won't take effect unless the injunctions in various lawsuits are resolved
275 Marine Scientists Demand Stronger Protection for Australia's Ocean Parks
A group of 275 marine scientists has released a consensus statement calling on Australia's Federal Government to expand sanctuary zones to cover at least 30 percent of every marine bioregion and ban bottom trawling, longlining, and mining from all Commonwealth marine parks.
Dave & Buster’s Entertainment Announces Executive Leadership Appointments and Promotions
Dave & Buster's announces new executive appointments to enhance leadership across various business functions, emphasizing operational excellence and strategic growth.Quiver AI SummaryDave & Buster's Entertainment, Inc. has announced key executive leadership changes aimed at bolstering its operational and strategic capabilities. The appointments include Darin Harper as Chief Executive Officer and Amanda Busby as Chief Operations Officer, alongside
Stony Brook Southampton Hosts Falls Prevention Program to Support Healthy Aging
Stony Brook University will offer its S.A.F.E. (Strength, Awareness, Function, Education) Falls Prevention Program, a free eight-week workshop designed to help older adults improve balance and strength, reduce their risk of falls and maintain independence in their daily activities. Held at Stony Brook Southampton, the program provides older adults on the East End with practical
Mozambique strengthens regulation of medicines and imported vaccines, boosting health protection
Mozambique has reached a major milestone in strengthening the regulation of medicines and imported vaccines, with its national regulatory authority recognized by the World Health Organization (WHO) as having a stable, well-functioning and integrated regulatory system.The Autoridade Nacional Reguladora de Medicamentos de Moçambique (ANARME) has achieved Maturity Level 3 (ML3) for the regulation of medicines and imported vaccines under WHO’s global classification of national regulatory authorities.Mozambique becomes the 10th country in Africa to reach ML3, joining Egypt, Ethiopia, Ghana, Nigeria, Rwanda, Senegal, South Africa, Tanzania and Zimbabwe and marking further momentum in strengthening regulatory systems across the region.For people in Mozambique, stronger regulation means greater assurance that medicines and vaccines are appropriately evaluated for quality, safety and efficacy and monitored throughout their lifecycle. It also strengthens the country’s ability to identify and respond to safety concerns and substandard or falsified products, while supporting timely access to quality-assured health products.“Mozambique’s achievement is the result of sustained investment in regulatory capacity that will deliver crucial benefits for public health,” said Dr Sylvie Briand, WHO Chief Scientist and Assistant Director-General a.i. for Health Systems, Access and Data. “Strong regulatory systems protect people, build confidence in health products and help countries respond more effectively to evolving public health needs and challenges. Mozambique’s progress also contributes to advancing regulatory capacity across Africa and promoting more equitable access to safe and quality-assured medicines and vaccines.”Building a stronger regulatory systemMozambique’s achievement follows years of sustained efforts to build the institutions and capabilities needed for effective regulation.WHO worked closely with ANARME throughout this process, assessing the national regulatory system and supporting the authority in addressing identified gaps and strengthening priority areas.WHO evaluates national regulatory systems using its Global Benchmarking Tool (GBT), which assesses the regulatory functions required to ensure the quality, safety and efficacy of medical products. These include registration and marketing authorization, licensing, market surveillance and control, pharmacovigilance, regulatory inspection, laboratory testing and oversight of clinical trials, as applicable. WHO’s maturity levels range from 1 to 4. Reaching ML3 confirms a stable, well-functioning and integrated regulatory system, while ML4 represents an advanced system focused on continuous improvement.Benefits for Mozambique and the African continentAn ML3 regulatory system can support more timely and predictable regulatory decisions, reinforce safety monitoring and help ensure that health products entering and remaining on the market meet appropriate standards.It also creates greater opportunities for regulatory cooperation and reliance – approaches that help authorities make use of the work and decisions of trusted regulators, reduce unnecessary duplication and allocate limited resources more efficiently, while maintaining rigorous standards for quality, safety and efficacy.As the first Portuguese-speaking country in Africa to reach ML3, Mozambique’s experience can also contribute to strengthening regulatory systems and fostering greater cooperation, knowledge sharing and reliance among Portuguese-speaking countries and across the African continent. Its achievement further reinforces a more connected African regulatory ecosystem, providing a solid foundation on which the newly established African Medicines Agency can build to advance regulatory convergence and cooperation across the region.Strengthening confidence in regulatory recognitionMozambique’s achievement comes as WHO strengthens the process through which the performance of national regulatory systems is recognized.The newly established Technical Advisory Group on Regulatory Systems Strengthening (TAG-RSS) brings together independent international experts to advise WHO on whether recommendations concerning regulatory authorities reaching ML3 and ML4 and WHO-Listed Authorities, are supported by the findings of WHO evaluation processes. Its recommendations provide an additional level of independent assurance, strengthening the impartiality, transparency and credibility of WHO’s recognition process.Mozambique is among the first countries to achieve ML3 following consideration and recommendation by the TAG-RSS. As part of the same TAG-RSS process, South Africa was recommended to retain its ML3 status for the regulation of vaccines manufactured, imported or distributed in the country, following an additional WHO assessment. This extends the recognition first granted in 2022 and underscores the sustained performance of the South African Health Products Regulatory Authority (SAHPRA).The two recognitions highlight continued progress in strengthening regulatory systems across Africa, as well as the importance of continued performance, improvement and assessment in sustaining regulatory maturity.WHO will continue working with ANARME and SAHPRA to sustain these gains and support continuous improvement as science, technologies and public health needs evolve.
US Treasury to broaden scope of sanctions on those who do business with Iran, source says
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Veterans Affairs to open clinic in South Burlington
The VA White River Junction Healthcare System expects the new clinic to open by 2030. It will replace and expand on the services the VA currently offers at its clinic in Burlington.
The Women's Health Diagnostics Gap Isn't Missing Tests, It's Missing Answers
More than half of Function's members are women. Its co-founder explains why the women's health diagnostics gap is about interpretation, not access.
Microsoft’s Skala AI Model Joins CP2K to Improve Quantum Mechanical Simulations
The Skala model is now available, giving researchers an AI-based exchange-correlation functional for quantum mechanical simulations.
Canadian dollar dips after US-Canada talks collapse into trade war; oil prices fall ahead of US sanctions on Iran
Washington imposes 50% tariffs on Canadian goods including fishing rods and hockey sticks, while Canada retaliates with levies on US steel and electronics
How to decipher smells like a fruit fly
In the animal kingdom, energy conservation is essential for survival. That’s why our brains have evolved to be extremely energy and resource efficient at storing and processing information. Since the 1980s, computational scientists have tried to mimic brain structure and function, but have not yet succeeded in creating functional, low-memory solutions that work in real-world scenarios. Published in Neuromorphic Computing & Engineering, a new fly brain-inspired algorithm developed by researchers at the Okinawa Institute of Science and Technology (OIST) demonstrates promise for achieving practical applications under realistic constraints.
Popular erectile dysfunction drug linked to eye disease that can cause irreversible vision loss
Tadalafil users were 22% more likely to develop glaucoma, a study found, raising new questions about long-term Cialis use and eye pressure risks.
Oskie Rice Memorial Rodeo 2026 celebrating 110 years at Kaonoulu Ranch
The Oskie Rice Event Center will host the Oskie Rice Memorial Rodeo 2026 from Oct. 23-25, marking the 110th anniversary of Kaonoulu Ranch, according to event organizers. This year’s rodeo is being held in conjunction with the Festivals of Aloha celebrations.
Eastlake science students make district history
Three Eastlake High School students made Sweetwater Union High School District history this year when they became the first students from the district to qualify for the International Science and Engineering Fair, an international competition that brings together some of the top high school researchers from around the world. Ronald Wyatt, Giles Del Priore and Ihan Sung advanced to the competition after successful runs at regional and state science fairs. Sung went a step further, placing fourth in the chemistry category at ISEF. The students were recognized on Aug. 10 during a Sweetwater Union High School District board meeting at the district office in Chula Vista.For Wyatt and Del Priore, recent Eastlake graduates, the journey began with a shared concern about dementia and the challenges faced by families caring for loved ones with memory impairment. Their engineering project, “Design and Evaluation of a Behaviorally Grounded Caregiver-Governed AI Companion for Individuals with Memory Impairment,” earned the Sweepstakes Award at the Sweetwater District STEM Fair and first place in its division at the Greater San Diego Science and Engineering Fair. The project explored whether Artificial Intelligence could provide companionship and support while helping reduce stress for people with dementia and their caregivers. “Our inspiration came from personal experience. Both of us have seen family members and loved ones affected by dementia, and we’ve witnessed how overwhelming the caregiving process can be,” Wyatt said. Del Priore said the students also wanted to address the high cost of third-party health care services while creating something that could potentially help their own families as well as people elsewhere. The students developed an AI system designed with safeguards intended to prevent misinformation reinforcement, emotional escalation and unsafe responses. In 240 controlled trials involving memory, identity, agitation and neutral scenarios, they said the system consistently prevented harmful incorrect reinforcement while using context-aware silence, de-escalation and caregiver verification. The project required the students to combine Artificial Intelligence, psychology, neuroscience and human-computer interaction. For Del Priore, one of the biggest technical challenges was getting the AI companion to communicate verbally with a patient. Hardware limitations required the students to collaborate with multiple Python libraries for speech-to-text and text-to-speech functions while keeping the cost of the companion low. “For us, the biggest challenge was translating complex behavioral and cognitive care principles into a functioning AI system,” Wyatt said.Qualifying for ISEF was a milestone that student expected. The international competition proved to be another milestone. “Competing at ISEF was an incredible experience and unlike anything we’ve ever done before,” Del Priore said. “Being surrounded by some of the most talented young researchers from around the world was both inspiring and motivating.” He said the experience stood out because of the emphasis on collaboration, innovation and scientific discovery. “The most memorable part was seeing how people from completely different backgrounds and disciplines approached solving real-world problems with creativity and passion,” he said. The students also credited teachers and mentors who supported their work. Del Priore said his sophomore-year AP Physics teacher, Dr. Price, was particularly influential. “Through all of my personal and academic struggles, Dr. Price always believed in me,” Del Priore said. “All of his faith in me really molded me into the person I am today and helped create my love for science even through tough times.” Wyatt is continuing his education at UC Santa Cruz, where he plans to study biomolecular engineering and bioinformatics, with an interest in research involving Artificial Intelligence, biology and health care. Del Priore plans to double major in chemistry and accounting. Sung, a rising Eastlake senior, qualified for ISEF after winning first place in the Engineering: Energy, Materials & Transport category at the Greater San Diego Science and Engineering Fair and first place in chemistry at the California Science and Engineering Fair. His project, “Renewable Ammonia Electrochemical Synthesis by Glow Discharge with an Iron-Based Catalyst,” involved a device he designed and engineered to produce renewable ammonia, with potential applications in fertilizer production and energy storage. Sung became interested in the project after considering the relationship between food insecurity and fertilizer costs. His system uses plasma to break apart nitrogen molecules so they can interact with hydrogen and form ammonia. At ISEF, Sung competed against more than 1,700 students from 65 countries and earned fourth place in chemistry. “I am proud to become one of te first students in the district to qualify for ISEF because this milestone can inspire others in the district to attain similar goals,” Sung said.