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Can HRT help prevent dementia? New research suggests it might
As debate continues over whether hormone replacement therapy can protect against dementia, new studies suggest timing and formulation are key.
Trump Is Promising Health Care Checks Before the Midterms. How Far Will They Go?
Trump’s promised rebates come as Americans worry about health care costs. For Medicare recipients, a one-time payment may offer limited relief from rising premiums.
Marcus Mariota productive before injury
Commanders QB Marcus Mariota sees limited work before suffering injury
Hassett blames ‘partisan pollsters’ for pessimistic consumer sentiment and says ‘the economy is booming’
Puka Nacua expected to handle regular workload
Puka Nacua not expected to have any limitations in return to action
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.
Germany XI vs Greece – Predicted lineup and team news
Germany will meet Greece again in the UEFA Nations League on Sunday, with Jürgen Klopp’s side aiming to make up for their defeat in the opening meeting between the two teams.Klopp’s time in charg...
TV and streaming viewing picks for October 4, 2026: How to watch MLB Postseason, NFL Week 4 and WNBA Semifinals
All Times Eastern College Field Hockey Stanford at Louisville — ACC Network/ESPN Unlimited, noon College Football ACC Huddle: Final Score — ACC Network, 8 a.m. SEC Football Final — SEC Network, 8 a.m. The Final Drive — Big Ten Network, 10 a.m. Inside College Football — CBS Sports Network, 11 a.m. College Football Final —…
Colorado’s mobster democracy
The issues on your ballot aren’t just questions about trains, taxes and spending. They are exhibits in a larger case: dishonesty, intimidation and political bullying have become standard operating procedure at the Colorado Capitol. The message from lawmakers is increasingly simple: Vote however you like — we’ll make sure it turns out the way we […]
At Supreme Court: Can oil companies be forced to pay for climate woes?
The outcome of the Colorado case could affect California's 2023 lawsuit against the five largest oil companies and other similar litigation.
Costa’s coffee shops return to profit with iced drinks and matcha on the menu
Costa Limited reports operating profit of £20m in year to 31 December 2025 after losses of £13.5m in 2024
Blue Jays Handed Clear Offseason Message on Pirates’ Oneil Cruz
After reaching the World Series last year, the Toronto Blue Jays failed to reach the postseason this year. As a result, the Blue Jays’ front office will need to bolster the team if it wants to return to the Fall Classic. Vladimir Guerrero Jr. had an awful 2026 season by his standards, hitting .260 while […] The post Blue Jays Handed Clear Offseason Message on Pirates’ Oneil Cruz appeared first on HEAVY.
Roma make contact for Endrick’s loan in January
Endrick is back on Roma’s radar ahead of the winter transfer window. The Brazilian continues to find limited playing time at Real Madrid and is reportedly considering a January departure to revitali...
Gemini app limiting what models free & AI Plus users can access, AI Pro adding Deep Think
Following the compute-based usage change in May, Google is introducing limits on what Gemini models free and AI Plus users can access.
A $28B hemp THC industry is fighting to save itself from a looming federal ban
America’s multibillion-dollar market for impairing hemp products faces potential elimination before the end of the year.
Noah Fant listed as questionable for Week 4
Saints TE Noah Fant questionable for Week 4 after three limited practices
Valorant Player Banned Due To Previous GPU Owner’s Cheating
In a wild coincidence a German player was penalized over the playing habits of their Ryzen 7's previous owner, claiming that nothing short of replacing the entire PC will overcome Riot's infamous anti-cheat detection
Israel boss shuns politics before Republic of Ireland clash
Israel boss Ran Ben-Shimon insisted he is “not dealing with any politics” ahead of his side’s behind-closed-doors Nations League meeting with the Republic of Ireland in Serbia on Sunday. Republic manager Heimir Hallgrimsson’s press conference on Saturday morning in Backa Topola ended abruptly following a confrontational conclusion, after an Israeli journalist accused Irish players of calling their opponents "monkeys" in Hungary, where the reverse fixture was held.
Lewis Hall Allowed To Shine Under Matthias Jaissle’s New System
The England international is thriving as a dynamic playmaker, trading rigid defensive duties for a versatile role that maximizes his technical composure and aggressive attacking instincts.
Rams’ plan for Puka Nacua revealed ahead of Eagles game
Puka Nacua will return for Los Angeles Rams vs. Philadelphia Eagles, but Los Angeles may limit his workload.
Chapel Bell Curve:
You’ve got to do something before kickoff. And if you’re looking to maximize your preparations for today’s matchup with Vanderbilt that something should be listening to Nathan and Yara preview the Commodores. Among other audio goodness in this episode you’ll find the following: As always we ask that you like, rate, subscribe, and patreonize the show wherever […]
Spain: Massive protests after housing bills voted down
Organizers estimated that 500,000 people turned out in the streets of Madrid to demand affordable housing. Similar protests were held in around 50 other Spanish cities.
A $28B hemp THC industry is fighting to save itself from a looming federal ban
America’s multibillion-dollar market for impairing hemp products faces potential elimination before the end of the year.
$28B hemp THC industry fights to save itself from looming federal ban
America’s multibillion-dollar market for impairing hemp products faces potential elimination before the end of the year
Why 'East of Eden' Star Mike Faist Looks Familiar
Mike Faist stars as Charles Trask in the Netflix limited series adapatation. Here's where you may have recognized him before.
A growing number of House Republicans privately believe they won’t win the House
Four weeks to Election Day, a growing number of House Republicans privately fear their chances of holding onto the majority are vanishing and have begun focusing on how to limit the size of a potential Democratic wave.
Anthropic Is Aiming To Transform Healthcare—Here’s How
Anthropic is pushing Claude into prior authorization, medical records, drug discovery and global health. A physician explains what it means for doctors and patients.
U.S.-Russia Talks on Ukraine Now Involve an Oil Deal Tied to Trump Allies
President Vladimir V. Putin brought up a sale of Russian energy assets with President Trump’s envoys, Jared Kushner and Steve Witkoff, pushing a deal that raises new questions about conflicts of interest.
Culture refocuses attention on the Palestinian cause: ‘It has always been central to political struggle’
Musicians’ tours, film festivals and literary forums keep the flame for Gaza alive and spark debates about the limits of free expression and the concepts of censorship and cancellation
Smaller walnut crop may be good news
USDA announced Oct. 1 that 2026 California walnut production is forecast at 680,000 tons, down 16% from the 2025 production of 809,000 tons. The preliminary estimate of producing bearing acres
What Are Reasonable Expectations for Aday Mara?
Aday Mara is an exciting name for many Oklahoma City Thunder fans, and a limited role this season shouldn't put a damper on that.
European Leaders Mostly Optimistic About Paramount-WB's Future
European industry leaders are cautiously optimistic now that Paramount is about to complete its takeover of Warner Bros., but there are many unknowns.
Noah Fant limited in practice on Friday
Noah Fant is raising the potential of him playing in Week 4.
Vote no on Prop 45 to Protect California’s environment and public health
This November, California voters will have a chance to push back against President Trump’s attacks on our clean air and water, public health, and open space by voting NO on Proposition 45. This deceptive ballot initiative is a 41-page recipe for pollution and sprawl. It would weaken California’s bedrock environmental law and make it easier to build data centers, warehouses and other polluting projects – with severely limited public oversight.
Zay Flowers listed as questionable
Ravens WR Zay Flowers questionable after a limited practice Friday
‘HomePad’ coming: Will Apple hold an October special event?
With Apple reportedly planning to unveil new products on October 13, here’s when the company could announce an event, based on the timing of its previous October announcements.
Fiery crowd caps Mississippi redistricting hearings. Opponents urge: ‘Leave our maps alone’
Tempers flared Thursday at a packed redistricting hearing at the Mississippi Capitol, where a large majority of speakers criticized what they said was a power grab aimed at diminishing Black political power and further entrenching Republican dominance over state politics.
Kenyon Sadiq listed as questionable for Week 4
Jets TE Kenyon Sadiq questionable after three straight limited practices
Apple will limit Mac disk access as AI agents ‘substantially’ increase risk
Apple isn’t taking AI security risks lightly.
Bellingham mulls changes to home business rules
Current regulations limit where businesses can be run and how many employees can be hired. Monday, Oct. 5's meeting could change that.
Parliamentary government and political competition are the oldest traditions in Russian politics. Where did they come from, and why did they disappear? Writer Mikhail Zygar explains in a new film.
It’s hard to believe today, but Rus’ had a parliament before Britain did and a woman with the political stature of a prime minister five centuries before Margaret Thatcher. The Novgorod Republic was a state in which the prince was a hired manager, major decisions were made by the veche or popular assembly, and political culture resembled that of Western Europe in many ways. In his new film, Mikhail Zygar explains how this system emerged, why it lost out to Moscow, and why Vladimir Putin is so fond of Alexander Nevsky.
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
Sony's Quietly Improved Base PS5 Hardware with a Number of Internal Optimisations
New models shipping now
Christopher Ward Brings Back a Modern Classic, with Serious Improvements
Christopher Ward reimagines its original jump-hour watch with a new limited edition featuring an elevated design and a more compact size.
Quantum in Business Conference Highlights Commercial Quantum Applications
EPB Quantum’s Chattanooga conference highlighted business use cases for quantum computing, networking, cybersecurity and energy optimization.
These Texas doctors want to make sure people know their abortion rights during medical emergencies
Texas passed the Life of the Mother Act in 2025, aiming to clarify the narrow medical exception to the state's abortion ban. Advocates are still working to spread the word.
PAHO regional meeting of health ministers concludes with new measures to strengthen health security and address key health threats
Health authorities approved new regional strategies to strengthen preparedness for health emergencies, tackle antimicrobial resistance, curb dengue and other arboviral diseases, and improve food safety, while advancing access to vaccines, medicines and other essential health technologies across the Americas.
From Rwanda to ACU, Jabo pursues science and service
Before coming to Abilene, Quentin Jabo had a different future in mind. Growing up in Kigali, Rwanda, Jabo attended a minor seminary and once planned to become a priest. His family supported the path, and he saw it as a way to serve others. But during high school, Jabo began questioning whether the priesthood was […]
Voter guide: Prop 134 asks Colorado voters to bar transgender student athletes from certain school sports
Here’s a closer look at Proposition 134, a measure that’s similar to a controversial 2025 executive order issued by President Donald Trump.
Major SmartThings app redesign finally hits Galaxy phones
Earlier this week, Samsung's SmartThings app received a major UI redesign, but it was initially limited to iPhones. Now, the update has started reaching Galaxy
Big 12 launches sportsmanship campaign in wake of derogatory chants directed at BYU
The Big 12 has a zero-tolerance policy toward discriminatory behavior, but repeat issues sparked increased scrutiny and calls for action.
UFC 332 preview, predictions: Worst main event in history?
UFC 332 is set for Delta Center in Salt Lake City on Sat. night (Oct. 3, 2026) with the preliminary card streaming on Paramount+, followed by the main card on the CBS network — home to this 2008 record breaker. There exists a subset of combat sports fans who remain puzzled as to why a […]
Shemar Moore says his daughter 'saved my life' after he was in a 'dark place'
NEW YORK – As Shemar Moore's run continues on "S.W.A.T. Exiles," the spinoff of the CBS drama "S.W.A.T.," he says art has imitated life.
Green Bay’s Problems Point to Coaching
There were legitimate reasons for optimism entering the Green Bay Packer's season, with Jordan Love entering the prime of his career and Micah Parsons returning from a devastating injury. However, those expectations have already taken a serious hit and it could all boil down to one reason; poor coaching.
Arkansas and Texas A&M find themselves in similar positions
We didn't expect it, but it's reality: The Hogs and Aggies have a lot in common
Amendment 86 | Redrawing political maps in ‘off cycles’
Colorado voters will decide in November whether to put new constitutional limits on how and when the state’s congressional districts can be redrawn.
Amendment 81 | Local cooperation with federal immigration authorities
Colorado voters will consider Amendment 81, a ballot measure requiring law enforcement agencies to notify federal immigration authorities in certain criminal cases.
Made in Iowa recap: Sukup Manufacturing innovating for the next generation
For Sukup Manufacturing Co., innovation has never been limited to the products rolling off the manufacturing floor. It can mean a robot installed decades before automation became a manufacturing buzzword. It can mean building a childcare center across the street from the plant, opening an on-site health clinic or establishing an engineering presence in Ames…
Amendment 86 | Redrawing political maps in ‘off cycles’
Colorado voters will decide in November whether to put new constitutional limits on how and when the state’s congressional districts can be redrawn.
Grand jury indicted ex-Idaho health official on felony misuse of funds. A judge dropped the case.
The first criminal charges, now dismissed, emerged from a yearslong investigation launched by Idaho Attorney General Raúl Labrador.
As quantum’s presence grows on the southeast side, Chicago State University students eye future careers
Chicago State University staked its claim in quantum research nearly a decade ago, aiming to attract research and talent to the Southeast Side.
A Flaw in ChatGPT’s Mac App Could Have Let Hackers Grab Sensitive Data
While the focus has been on AI agents’ hacking capabilities, a recently patched vulnerability in a ChatGPT app shows that AI software is itself an inviting—and vulnerable—target.
Capitol News Illinois | Optimistic data-center report met with criticism
A new study predicts data centers expected to be built in Illinois over the next decade would create thousands of jobs and millions of dollars in property-tax revenue.
Health Care Workers Are Tired of Cleaning Up Palantir’s Mess
A hospital giant and radiology network turned to Palantir to streamline scheduling, but nurses and other staff say the new software is causing errors, burnout, and frustration.
Frequent fliers react to United using status to snag Delta customers
United is using Starlink Wi-Fi and a limited-time status match to lure elite frequent fliers from rival airlines.
Open Machine CEO Allie K. Miller discusses using AI in her daily life
Allie K. Miller, the CEO of Open Machine, shares her daily routine, utilizing AI tools for productivity and personal lifestyle optimization.
MD Health Department fined $4.7M so far for delayed psychiatric care
Maryland is scheduled to approve a six-figure payment after the Department of Health failed to provide prompt psychiatric care to criminal defendants, an ongoing issue that has racked up a cost of $4.7 million.
'Money out of politics': Understanding Proposal 2 on Michigan November 2026 ballot
If voters approve Proposal 2, known as the “money out of politics” proposal, certain organizations and individuals would be limited in funding political campaigns, and regulations would apply to other types of political communications.
'We're losing our scientists': west Africa's STEM struggle
A handful of pupils puzzled over equations on the blackboard of an Abidjan maths class.Only a few hands went up timidly.
S.F. House candidates spar over housing, AI in Chronicle-KQED debate
On most issues, the two Democrats vying to replace Speaker Emerita Nancy Pelosi articulated similar policy stances.
Men are hiding potentially deadly disorder amid pressure to build the 'perfect' body
Sylvester Stallone's bulimia revelation spotlights a crisis experts say is surging among men and boys driven by looksmaxxing and musculature ideals.
Phillies' 2026 Season Ends in Rough Game 3 Against Braves
The Philadelphia Phillies have been eliminated from the playoffs after losing Game 3 to the Atlanta Braves.
Puka Nacua remains limited
Los Angeles Rams WR Puka Nacua was a limited participant in Thursday's practice
Vance talks 2028, Ted Cruz and a tough midterm climate that could factor into his future
In an interview with NBC News, Vance said he is cautiously optimistic that Republicans’ numbers are improving even as concerns about the war and gas prices take a political toll.
Join the Pokémon Night Out Livestream to Party from Home
Check out the full merch collection and find out how you can join the party from home.
Scientists just pushed superconductors beyond their usual current limit
Ultrashort electrical pulses allowed scientists to push superconductors closer than ever to the point where their electron pairs actually break apart. The method revealed hidden differences between superconducting materials and could open new ways to probe and control their quantum behavior.
Chris Bell listed as limited again
Dolphins WR Chris Bell limited at practice for second time this week
Military Leaders Will Examine Ways to Limit Civilian Deaths in War
U.S. Central Command will hold a daylong conference at its Tampa headquarters after seven months of war in Iran.
Keon Coleman back on practice field
Bills WR Keon Coleman a limited participant at practice Thursday
Another limited practice for Nico Collins
Texans WR Nico Collins a limited participant in back-to-back days
Jakobi Meyers a limited participant Thursday
Jaguars WR Jakobi Meyers continues to be listed as limited because of injury
Jonathan Taylor upgraded for full practice
Colts RB Jonathan Taylor takes part in practice Thursday after a limited practice
Keenan Allen listed as limited again
Colts WR Keenan Allen a limited participant Thursday because of groin issue
Kenyon Sadiq limited again
Jets TE Kenyon Sadiq listed as limited for second straight practice
Dane County budget plan would reduce health insurance costs, cut jobs
County Executive Melissa Agard’s proposal would eliminate vacant roles and tap $23 million in rainy day funds to make ends meet.
Ten bucks says you’ll love this community science project
Today marks the first day of Rut Watch 2026 With another season of Deer Spy in the books thanks to community scientists like you, biologists are now on a mission to pinpoint the peak of the white-tailed deer breeding season in Maine. Every observation of deer breeding behavior and sign helps define the timing of the rut, and this project uses the power of community science to collect deer data all fall long. Hunters, hikers, and wildlife watchers - Rut Watch pairs well with any outdoor adventure you have planned this season. It’s a perfect excuse to slow down and connect with nature as you look for clues. So get outside, rack up that deer data and submit rut reports from now through December 1. The online form is science made simple: Location Date and time Breeding behavior observed Submit a Rut Report What to watch for Active Breeding The most obvious breeding behavior to observe is a buck mounting a doe, but that is a rare sight as it only lasts a moment. You are more likely to witness a buck “tending” a doe, following closely, chasing, nuzzling, or pawing at her rump until she is receptive. Sparring After bucks shed their velvet, sparring helps sort out who is who in the dominance hierarchy. Early season matches are often less intense than later season matches between similar sized bucks. Most sparring is complete by the time breeding begins. Rubs Don’t just look for deer, pay attention to the trees. Rubs are marks made by bucks when they rub their antlers on trees, removing bark and leaving their scent calling card in the process. Scrapes Look to the forest floor for this sign of breeding season behavior. Scrapes consist of two parts - a licking branch, and a patch of cleared earth. Bucks break a low branch around head height, then paw at the leaves below to expose the dirt. Covered in scent, a scrape tells does and other bucks, “I’m here!” Learn More More information What’s next for deer community science: Northern Maine Wintering Deer Survey Other active community science projects: Fish Tag Reporting Maine Golden Eagle Study Maine Amphibian & Reptile Atlas Project Maine Deer Management: Maine’s Big Game Management Plan Game Species Conservation & Management Report The Benefits of Hunting: Supporting Wildlife, Conservation, and Community Subscribe Share Leave a comment
Chig Okonkwo listed as limited again
Commanders TE Chig Okonkwo a limited participant for second straight practice
Rutgers Experts Available to Discuss Implications of Proposed 2030 Census Changes for Research and Public Health
A proposed Census Bureau rule could change the demographic information collected through the 2030 Census — eliminating questions on race, ethnicity, and sexual orientation — with potential implications for population health research and the use of Census data. The Census Bureau has invited the public to comment on this proposal by October 13, 2026. Rutgers experts available to discuss the proposed changes include Cristine Delnevo, Director of the Rutgers Institute for Nicotine and
The rise of AI suspicion
As images, videos and text generated by artificial intelligence become more common online, people are increasingly being asked to make difficult judgments: Is this real? Was it made by a person? Can it be trusted? Those questions are no longer limited to computer scientists or technology companies. They now shape how people encounter news, social media, art and books.
Apple says iPhone Duo has ‘replaceable’ folding display layer to minimize crease
Foldables tend to show more crease over time, but Apple says iPhone Duo has a replaceable layer on its folding screen to mitigate that issue.
Trump embarks on rally blitz hoping to energize GOP voters
Trump’s low standing with voters limits the places he can most effectively campaign. Advisers hope he can energize GOP voters.
Could Congress Reshape the Next Round of Conference Realignment?
The Protect College Sports Act could limit the growth of the wealthiest conferences while making successful Mountain West programs more attractive for future expansion. By Roger A. Holien | Mountain West Connection College football realignment has largely been driven by television contracts, conference revenue, and schools seeking greater national exposure. Now, Congress could influence what […]
Judge permanently dismisses Trump administration's case charging ex-Olympian with Reflecting Pool vandalism
A judge in the nation’s capital agreed on Thursday to permanently dismiss a criminal case charging a former Olympian with vandalizing the Lincoln Memorial Reflecting Pool, a move that could prevent federal prosecutors from reviving the case under political pressure from President Donald Trump.
Apartment developer Newstreet joins conversion boom with deal for Gold Coast office
Though the deal will be the firm’s first office-to-residential conversion, it joins a string of similarly sized deals by other developers capitalizing on rental demand.
Pixel 11 Pro vs. iPhone 18 Pro: Copy-copy-paste or just copy-paste [Video]
The Pixel 11 Pro, the iPhone 18 Pro looks eerily similar to what we saw last year. What can we glean from this duo? Find out here.
New MacBook Pro redesign gets exciting launch timing update
Apple is launching new products soon, and according to Mark Gurman, it sounds like the rumored MacBook Pro redesign will be among them.