SCROLL NEWS / DISCOVERY
Search headlines
Find the stories shaping the conversation.
Results for " apsu " 100 found 🔀 AI-powered Shuffle
Sign in to save shuffle history.
Scientists open a million-year-old time capsule beneath New Zealand
Deep inside a cave, scientists uncovered fossils from 16 species, including a newfound kākāpō ancestor that may have been able to fly. These remains reveal that New Zealand’s ecosystems were constantly disrupted by volcanic eruptions and rapid climate shifts. Long before humans, waves of extinction and replacement reshaped the islands’ wildlife. It’s a rare window into a missing chapter of natural history.
‘We’ve got some unfinished business’: Corey Gipson reflects on historic Austin Peay season
Austin Peay men's basketball head coach Corey Gipson recently reflected on his 2025-26 season and revealed what makes Clarksville special.
Alaska Science Forum time capsule: In search of a few good wood frogs
Just how cold can an Alaska wood frog get? A UAF associate professor of zoophysiology was keen to find out.
Growth for Montana Global Health is an easy pill to swallow
It all begins when a client comes forward with an idea for a product. The company sources all of the raw materials, which are tested, then measured and mixed. From there, the product starts to take shape — powders are put into capsules, and drinks are bottled.
RosCept Capsules Introduces Ros Cept Multi-Ingredient Dietary Supplement for Brain Health, Memory and Concentration
RosCept dietary supplement features Magnesium Beta Hydroxybutyrate, Calcium Beta Hydroxybutyrate, and Sodium Beta Hydroxybutyrate in a focused BHB formulation.Wilmington, DE, Oct. 05, 2026 (GLOBE NEWSWIRE) -- RosCept has announced the introduction of RosCept, a multi-ingredient dietary supplement formulated with three mineral beta-hydroxybutyrate (BHB) compounds: Magnesium Beta Hydroxybutyrate, Calcium Beta Hydroxybutyrate, and Sodium Beta Hydroxybutyrate. Official Website: https://roscept.shop/
Fish oil may be hurting your brain, new study finds
Fish oil has long been praised as brain-boosting, but new research suggests the story may be more complicated. Scientists found that in people with repeated mild head injuries, a key omega-3 fatty acid in fish oil—EPA—may actually interfere with the brain’s ability to repair itself. Instead of helping recovery, it appears to weaken blood vessel stability, disrupt healing signals, and even contribute to harmful protein buildup linked to cognitive decline.
Are Glutathione Supplements a Scam?
The so-called “mother of all antioxidants” is sold as dissolving strips, capsules, liquids, gels and powders. We asked experts if they actually work.
Real Madrid provide updates on Kylian Mbappé injury
Having been substituted due to injury during France’s 1–0 victory over Turkey on Friday, Kylian Mbappé (27) has suffered a hyperextension of the posterior joint capsule in his left knee, Real Mad...
Alaska Science Forum time capsule: Stalwart perennials make a bet on the future each year
Their game has only a few simple rules. Grow as fast as you can, bloom and set seeds to continue the line, and stash away every spare crumb of energy you can to get through the winter.
These Popular Supplements Are Sold With Anti-Aging Claims. Here's What Science Says.
Experts explain what they can and can't do.
Kratom poison center cases have surged 6,500% in the U.S.
Kratom use and serious health problems linked to it have risen dramatically across the United States over the past decade. Poison center reports jumped from just 19 cases in 2010 to more than 1,200 in 2023, while severe outcomes—including life-threatening complications, disability, and death—also climbed sharply. Researchers warn that kratom can trigger seizures, abnormal heart rhythms, liver damage, and breathing problems, with risks potentially increasing when it is combined with other drugs.
Anne Hathaway's Little-Seen, Short-Lived Teen TV Show Was A Late '90s Gem
Anne Hathaway got her start in this short-lived '90s teen show, which remains a fascinating time capsule for network TV from that era.
Scientists discover mirror of our solar system in 2 exoplanets forming around a star
Astronomers have spotted two planets forming around a distant infant star, offering a time capsule into see what the solar system looked like billions of years ago.
The Artemis II Crew Is Having Microsoft Outlook Issues, And NASA Had To Remote Access From Earth To Deal With It
"I have two Microsoft Outlooks, and neither one of those are working," a male voice told ground control.
Scientists open 40-year-old salmon and find a surprising sign of ocean recovery
Old canned salmon turned out to be a time capsule of ocean health. Researchers found that rising levels of tiny parasitic worms in some salmon species suggest stronger, more complete marine food webs. Because these parasites depend on multiple hosts—including marine mammals—their increase may reflect ecosystem recovery over decades. What looks unappetizing may actually be a sign of a healthier ocean.
Nature Made® Continues Expansion of its Gut Health Offerings with the Launch of SuperGreens and Digestive Enzymes
WEST HILLS, Calif., March 03, 2026--Nature Made, the leading national vitamin and supplement broadline brand with over 50 years of expertise in delivering high-quality products with ingredients backed by science, today announces the launch of three new products to help support gut health – SuperGreens Powder, SuperGreens Capsules, and Digestive Enzymes – as part of the brand’s larger product innovation strategy.
APSU’s Science on Tap to explore backyard ecosystems on Oct. 6
Austin Peay State University's College of Science, Technology, Engineering and Mathematics will host Science on Tap.
Alaska Science Forum Time capsule: Color guard
Note: Regardless of how far they had advanced into autumn colors, all the leaves in Goldstream Valley on the morning of Sept. 3, 2026, were crusted with frost. Neither green willow nor purple fireweed leaves were spared, a first-frost possibility that Carla Helfferich explores in this week’s Alaska Science Forum time capsule from Sept. 11, 1997. Helfferich was the primary author for the forum from 1988 to 1994, when she hired Ned Rozell as her successor.
Scientists open a million-year-old time capsule hidden beneath New Zealand
A cave in New Zealand has yielded fossils from a lost ecosystem that existed about 1 million years ago, including a possible flying ancestor of the kākāpō. The discovery reveals that volcanoes and climate upheaval were reshaping the country’s wildlife and driving extinctions long before humans arrived.
Scientists looked inside a rock pellet smaller than a grain of rice and found a 445-million-year-old world preserved within it — more than 20 microscopic marine organisms, including a species never seen before
A microscopic time capsule from an ancient ocean reveals an entire ecosystem frozen in stone—and scientists didn't even know to look for it.
Peninsula Community Health plans to add 2 Bremerton dental clinics
Peninsula Community Health Services, with state funding coming from back-to-back budgets, will open to two new dental clinics along Kitsap Way.
Scientists tested vitamin D for COVID and found an unexpected long COVID clue
A major clinical trial has delivered an unexpected twist in the search for ways to fight COVID-19 and its lingering effects. Researchers at Mass General Brigham found that taking high doses of vitamin D3 did not make COVID-19 infections less severe or reduce hospital visits. However, the study uncovered a subtle but intriguing signal suggesting that people who consistently took vitamin D supplements might be slightly less likely to develop long COVID symptoms weeks after infection.
Journalists Capsulize Weight Loss News and ACA Premium Pressures
KFF Health News journalists made the rounds on national and local media recently to discuss topical stories. Here’s a collection of their appearances.
Time capsule: The secret life of a red fox family
Note: At the start of every walk, my dogs try to sneak away to “fox town,” a fox den on the other side of the pond near my cabin, and
No to Taylor Ham, Bruce ticket. NJ adds 'inspiration' to time capsule
Every state, U.S. territories and the District of Columbia submitted mementos for a memory trove to be opened in 2276
OSIRIS-REx Full Mission Gallery
OSIRIS-REx is the first U.S. mission to collect a sample from an asteroid. It returned to Earth on Sept. 24, 2023, to drop off a capsule with material from asteroid Bennu. After dropping off the sample capsule through Earth's atmosphere, the spacecraft was renamed OSIRIS-APEX and sent on a new mission to explore asteroid Apophis in 2029. This is a sampling of images and videos from the entire mission.
U.S. Department of Health and Human Services (HHS) Recommends Science-Based Thresholds to Target Dangerous Enhanced Kratom Products
Kratom products credit: CDPH DEA takes action based on updated recommendation from HHS October 11, 2026 - WASHINGTON - On Friday, the U.S. Department of Health and Human Services relesed the following: The U.S. Department of Health and Human Services (HHS) provided a new recommendation to the Drug Enforcement Administration (DEA) that establishes science-based thresholds for 7-hydroxymitragynine (7-OH) and mitragynine pseudoindoxyl (MGPI), potent opioid compounds associated with products marketed as kratom. The Department of Justice today announced that DEA issued new Notices of Intent reflecting HHS’ updated scientific analysis and recommendations, including a new Notice of Intent for 7-OH and MGPI incorporating HHS’ recommended concentration and ratio thresholds. Following a review of available scientific data and comments, HHS Assistant Secretary for Health Admiral Brian Christine, M.D., recommended that DEA use concentration or ratio-based thresholds to determine which products containing 7-OH and MGPI are subject to Schedule I control for purposes of temporary scheduling of these substances under the Controlled Substances Act. The recommendation is designed to target concentrated or chemically altered products while distinguishing them from natural botanical kratom products, which may contain trace amounts of 7-OH and MGPI. “We are drawing a clear line between natural kratom and dangerous, enhanced opioid products,” said HHS Secretary Robert F. Kennedy, Jr. “We listened to the public, followed the science, and developed a clear recommended threshold for temporary scheduling that targets concentrated 7-OH and MGPI without sweeping natural botanical kratom into Schedule I. The Trump Administration will continue taking decisive action against dangerous products that fuel addiction while making sure our policies are grounded in rigorous science.” Under the recommendation, 7-OH and MGPI would be controlled in Schedule I for purposes of temporary scheduling when either substance alone, or their combined amount when both are present: Exceeds 1 milligram per gram in solid powders, encapsulated material, or other solid forms, or exceeds 1 milligram per milliliter in liquid preparations; or When the mass of mitragynine present divided by the mass of 7-OH, or MGPI, or the combined amount of 7-OH and MGPI if both present, is less than 100. The ratio-based approach reflects the alkaloid composition of natural kratom products and provides a way to identify products intentionally enhanced or concentrated with 7-OH or MGPI. Available scientific data indicate that 7-OH occurs naturally in botanical kratom at relatively low or trace levels, while some evidence reviewed by FDA suggests MGPI may also occur at trace levels in some natural or kratom-derived products. FDA's scientific review found that 7-OH is substantially more potent than morphine in preclinical studies, with available data indicating approximately two to nine times greater potency depending on the study. FDA also identified evidence supporting a meaningful risk of opioid-like physical dependence and withdrawal from MGPI. “Our recommendation gives DEA a scientifically supportable framework to distinguish natural botanical kratom from products that have been concentrated or manipulated to deliver dangerous levels of potent opioid compounds,” said Assistant Secretary for Health Admiral Brian Christine, M.D. “This approach allows us to focus on the products that pose the greatest threat to public health.” In July 2025, following an FDA scientific and medical evaluation, HHS recommended that 7-OH above a specified threshold be placed in Schedule I of the Controlled Substances Act. In July 2026, DEA announced its intent to temporarily schedule 7-OH above a specified threshold, and HHS simultaneously sought public comment on the proposed threshold. DEA subsequently temporarily placed MGPI and two synthetic 7-OH derivatives, MGM-15 and MGM-16, in Schedule I. Since then, questions have emerged about how scheduling could affect natural botanical kratom products potentially containing trace amounts of MGPI. The new HHS recommendation responds to those concerns by providing DEA with a more precise threshold based on both the concentration of 7-OH and MGPI and their relationship to mitragynine, the predominant alkaloid in kratom. HHS and FDA will continue working with DEA to protect Americans from dangerous concentrated and synthetic opioid products while ensuring federal policy is grounded in the best available science. Source: HHS
Everton quickfire end of season review
Everton's season feels like a mixed bag in all honesty and I was tempted to go with the 3-0 home win over Chelsea, as it was an emphatic performance and a real moment that Hill Dickinson Stadium felt like it was encapsulating the Goodison atmosphere. Trailing 1-0 at the break, James Garner was then booked quickly followed by a yellow for David Moyes. It started a feisty reaction much like those at Goodison Park when fans felt a sense of injustice.
APSU formalizes partnership with University of Belgrade’s Faculty of Political Science
Austin Peay State University (APSU) has formalized a significant new international partnership with the Faculty of Political Science at the University of Belgrade (FPN), one of Serbia's most distinguished university faculties and home to a 21-year-old Center for American Studies.
NASA’s Roman Telescope Enclosed in SpaceX Falcon Heavy Rocket Fairing
Teams have finished preparing NASA’s Nancy Grace Roman Space Telescope for launch. On Aug. 21, the team encapsulated the observatory inside the SpaceX Falcon Heavy rocket’s fairing at NASA’s Kennedy Space Center in Florida.
1.7K views · 25 reactions | ON-ORBIT SCIENCE🔬 Astronaut Anil Menon...
ON-ORBIT SCIENCE🔬 Astronaut Anil Menon welcomed the arrival of a SpaceX cargo capsule at the International Space Station as the crew kicks off a "busy season of science." Menon said they are...
Sustainability At ESMT Berlin: Bees & Business Lessons
ESMT Berlin is a place to find both future business leaders and bees. A strange combination, perhaps, but one that encapsulates sustainability at ESMT. Here, faculty prepare students to become chang...
A 67-year-old “crazy” theory about vitamin B1 has finally been proven
Scientists have achieved the unthinkable by stabilizing a highly reactive molecule in water, confirming a decades-old theory about vitamin B1’s role in the body. The breakthrough not only solves a scientific mystery but could revolutionize greener chemical manufacturing.
Austin Peay State University’s College of Business achieves AACSB accreditation
The Association to Advance Collegiate Schools of Business has announced that (APSU College of Business has earned AACSB accreditation.
Does anyone really want to deal with Kanye West?
A UK ban coming days after selling out two nights in California perfectly encapsulates Ye’s decades long career.
Project manager says America’s Time Capsule is a ‘gift to the future’
The vessel will move from Washington to Philadelphia starting Friday.
Millions take omega-3 fish oil for brain health but a new study found no benefit
Fish oil supplements successfully delivered omega-3s to the brain, but a two-year study found no meaningful benefits for memory, cognition, or Alzheimer’s-related brain changes. The results challenge the idea that fish oil pills can help prevent Alzheimer’s and shift attention toward overall diet and lifestyle instead.
The Probiotic Breakthrough for Natural Anxiety Relief and Better Mental Health
A surprising gut-brain discovery suggests that anxiety could one day be treated with specially designed probiotics. Could anxiety be shaped, at least in part, by tiny organisms living in the gut? Research from Duke-NUS Medical School and the National Neuroscience Institute of Singapore points to
Hulu’s Postapocalyptic Hit Encapsulates a Major Problem With Current-Day Politics
Paradise—and the kind of magical idealism it indulges in—are pinning it all on a deus ex machina.
Alaska Science Forum time capsule: Hardwood, softwood, fuelwood
Note: After finally cleaning my stovepipe last weekend, it feels like woodstove season at my cabin can officially (and safely) begin. Carla Helfferich wrote this wood power-focused Alaska Science Forum column on Oct. 3, 1990. — Sara Wilbur
Scientists discover giant fan-shaped structure beneath Antarctica's ice sheet: The hidden structure rewriting Earth's ancient history
For decades, Antarctica has been treated as a kind of frozen time capsule, a place where evidence of Earth's deep past sits preserved, undisturbed, beneath layers of ice that have built up over millions of years. As per the study published in Nature Geoscience, scientists have now uncovered something remarkable within that buried record: an enormous, fan-shaped geological structure stretching across a huge swath of East Antarctica, hidden entirely from view beneath the ice.
APSU to host Health and Performance Summit for sport, recovery, tactical fields
Austin Peay State University's Department of Health and Human Performance will host its inaugural Health and Performance Summit.
APSU alumna Sharon A. Dunn endows scholarship for Tri-County business students
Austin Peay State University has received a gift from Sharon A. Dunn, a 1973 graduate of the College of Business.
Lonza hands off capsule business to investment firm Lone Star in $3B deal
Lonza is at long last shedding its capsules and health ingredients (CHI) business in a private equity sale that could see proceeds of 3 billion Swiss francs ($4 billion) or more. | Under the deal with Lone Star Funds, Lonza maintains a 40% stake in its capsules and health ingredients business while receiving 1.7 billion Swiss francs ($2.2 billion) upfront.
Atelerix Forms Strategic Partnership With JH Health Ltd to Expand Non-Cryogenic Cell Preservation Capabilities in the Middle East
NEWCASTLE, England, April 15, 2026--Atelerix, a biotech company revolutionising cell preservation and biological transport with its pioneering hydrogel encapsulation technology, today announced it has established a strategic partnership with JH Health Ltd, a Saudi Arabian company focused on medical and health-related technology. The partnership grants JH Health exclusive rights to use and distribute Atelerix’s hydrogel-based cell and tissue preservation solutions in the Middle East, significantl
Omega-3 fish oil shows promise against type 2 diabetes
A new study suggests fish oil may help reduce insulin resistance even in people who aren't obese. In diabetic rats, omega-3 supplementation improved blood sugar levels, cholesterol, and inflammation by shifting immune cells into a more anti-inflammatory mode.
Swallowing faecal capsules reduces peanut allergy in six adults
Altering the gut microbiomes of people with peanut allergy using faeces donated from an allergy-free individual improved their peanut tolerance in a clinical trial
Champions League would make Villa's breakthrough 'sustainable'
The long, lumpy third act of Aston Villa's season, encapsulated in the past week by two entirely contrasting games, has been crawling towards this point. It is understandable that any nerves at Villa's failure to nail down Champions League qualification already have obscured just what an achievement it would be, especially after they were stuck in the starting blocks for a month. The past two games illustrate the junction Villa have now reached.
‘The Cardinal Countdown: 100 Days Until Kickoff’
Some of the more challenging words I write every single year are the ones that start this series on Day 100. How could I possibly encapsulate my excitement or energy about an entire upcoming season into a single paragraph, or even a single post, without sounding like a blabbering idiot for two thousand words?!? I […]
Rooted in science: Rooted Owl brings science-backed solutions to the pet supplement category
The company offers nine different targeted capsule supplements, along with five hemp-derived products.
Guess What This Creepy Underwater Thing Is That Was Photographed by US Navy Divers for NASA
An intriguing photo shows the charred heat shield of NASA's Artemis 2 Orion capsule right after splashdown in the Pacific on April 10.
Anticoagulant recalled after failed test
The new recall includes multiple lots of dabigatran etexilate capsules, a DOAC that reduce's a heart patient's risk of stroke or blood clots.
America’s Time Capsule will be buried for 250 years. Here’s how to watch.
The high-tech historical repository will be buried in Philadelphia on July Fourth.
Vitamin C won’t prevent most colds, but it may do one small thing
The belief that huge doses of vitamin C can ward off colds was popularized more than 50 years ago by Nobel Prize winner Linus Pauling. Since then, larger studies have found that vitamin C does not prevent most people from catching a cold, although regularly taking it may make severe symptoms slightly shorter or milder.
Time capsule: Hardwood, softwood, fuelwood
Note: After finally cleaning my stovepipe last weekend, it feels like woodstove season at my cabin can officially (and safely) begin.
Arsenal analysis: Raya proves worth with crucial contribution
Arsenal's first-half frustration was encapsulated in manager Mikel Arteta being booked shortly before the break for leaving his technical area too many times. Greece winger Christos Tzolis continued his inconsistent start to the season, more reminiscent here of his toothless showing against Aston Villa rather than the productive display at home to Chelsea. Konsa, even before giving away the penalty, struggled to deal with Sunderland's direct attacking approach and the physicality of striker Brian Brobbey.
Localized immunomodulation with cytokine-producing cells to mitigate foreign body responses in rodents and a nonhuman primate
Encapsulated IL-10–producing cells locally suppress fibrosis and extend graft function in rodent models and a nonhuman primate.
Community Health Foundation awards over $100K to support APSU health initiatives
The Clarksville-Montgomery County Community Health Foundation has awarded $106,481 in grant funding to the Austin Peay State University Foundation.
Uberaba Geopark: A time capsule from the Late Cretaceous period nestled in Brazil's tropical savanna
Uberaba Geopark, also known as the "Land of the Giants," is a region in Brazil's Cerrado biome that preserved thousands of prehistoric fossils.
Millions take omega-3 fish oil for brain health but a new study found no benefit
Fish oil supplements successfully delivered omega-3s to the brain, but a two-year study found no meaningful benefits for memory, cognition, or Alzheimer’s-related brain changes. The results challenge the idea that fish oil pills can help prevent Alzheimer’s and shift attention toward overall diet and lifestyle instead.
APSU to spotlight tech, economic development leaders during fall Legends of Business series
The Austin Peay State University College of Business and Legends Bank will bring guest speakers to campus this fall as part of the Legends of Business speaker series.
Apple Planning to Bring iPhone Duo Display Tech to Pro in 2029
Apple's 2029 "Pro" iPhones could adopt thinner and more power-efficient OLED screens, according to UBI Research. The technology, known as Color Filter on Encapsulation (CoE), removes the conventional polarizer from the OLED panel and places a color filter directly on top of its encapsulation layer. A polarizer helps suppress reflections from ambient light, but it also absorbs a significant portion of the light produced by the display.
Kaneka pitches “mitoceuticals” as mechanism-led mitochondrial health supplements
Cellular health is becoming increasingly important as industry and science reveal that health systems are interconnected. The mitochondria are especially central in this understanding, as it addresses healthy aging, healthspan, and lifestage demands. Nutrition Insight speaks with Kaneka Corporation and Kaneka Ubiquinol’s consultant to learn about how nutrition is evolving on an industry and consumer level. “Over the past decade, we’ve seen nutrition evolve from addressing nutrient deficiencies to supporting specific conditions and now toward supporting healthspan — the health and well-being across life stages,” says Tsuyoshi Takakuwa, head of Marketing and Sales Team (APAC), Supplemental Nutrition Business Division at Kaneka Corporation.
SpaceX Dragon capsule delivers science and supplies to space station
The cargo spacecraft docked at 6:37 a.m. EDT on Sunday (May 17).
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.
Tennessee Suicide Prevention Network to host mental health panel at APSU
The Tennessee Suicide Prevention Network’s Mid-Cumberland Region will host a panel discussion at Austin Peay State University.
Vikings Bubble Watch: Who's Safe, Who's Sweating?
The Vikings' training camp has begun, and the main buzz surrounding the team has been about the quarterbacks, but there are a lot more competitions happening on this depth chart, the most dramatic of which are happening on the bubble. Down at the bottom of the 53-man roster where guys have to fight and scrap for final roster spots often battling three or four other guys often with entire careers on the line, these fights are the unsung storylines that encapsulate the intensity and intrigue of NFL training camps. The Vikings have numerous open questions at the bottom of the depth chart, with many battles shaping up to potentially make or break the seasons or even the careers of several NFL players or prospects.
Time capsule: Color guard
Note: Regardless of how far they had advanced into autumn colors, all the leaves in Goldstream Valley on the morning of Sept. 3, 2026, were crusted with frost. Neither green
A simple supplement could help the immune system fight cancer and viruses
Low arginine levels may allow cancer cells and viruses to slip past the immune system by reducing production of a crucial cellular warning protein. In mice, arginine-rich diets led to fewer colon tumors and milder viral infections, suggesting a simple supplement could have powerful therapeutic potential.
SpaceX Dragon capsule delivers science and supplies to space station
A SpaceX Dragon cargo spacecraft delivered 6,500 pounds of science and supplies to the International Space Station on Sunday, May 17, 2026.
A new romcom captures the very horny spirit of 2026
Entertainment can often be a way for us to switch off. This year what’s on our screens has frequently been aimed at turning us on. A new movie, “One Night Only,” encapsulates the trend for titilation.
Most Americans see hazing as a public health issue, APSU study finds
New research co-authored by an Austin Peay State University faculty member suggests parents, coaches, educators, alumni, and community members may be just as important to preventing it.
This Yankees’ Prospect Could Be X Factor in October Bullpen
Yankees right-handed pitching prospect and their third-best prospect, Carlos Lagrange, is being considered for possible addition to the postseason roster, reported Yankees beat writer Bryan Hoch of MLB.com in a tweet, per Aaron Boone.Lagrange has been recovering from a right shoulder capsular sprain that has kept him out since July. Lagrange returned to Triple-A Scranton […] The post This Yankees’ Prospect Could Be X Factor in October Bullpen appeared first on HEAVY.
These are the best pill organizers for every need, according to healthcare experts
I spoke with healthcare experts and editors to find the best pill organizers. These models are designed for travel, seniors, supplements and prescriptions.
Chang’e-6 lunar soil contains a surprising magnetic time capsule
Scientists studying Chang’e-6 lunar soil have discovered a previously unknown magnetic mineral in natural Moon samples: a form of metallic iron called γ-Fe. Found inside tiny impact-glass particles, the nanoscale iron can preserve a stable magnetic signal, potentially acting like a microscopic fossil of the Moon’s long-lost magnetic field.
What Happens If You Drill Into Magma Beneath an Active Volcano? Scientists Accidentally Found Out In 2009
The drill cuttings contained fresh volcanic glass that “act like time capsules”.
WATCH: Congress dedicates national time capsule ahead of America's 250th anniversary
The Time Capsule Act, a 2016 law creating the nonpartisan America250 commission mandated that a time capsule be buried in Philadelphia on July 4, 2026, and dug up 250 years later in 2276.
Optimi Health produces psilocybin capsules for Phase II MDD study
Patient dosing is scheduled to finish by the end of 2027.
Students found a star from the dawn of the universe drifting into the Milky Way
A group of undergraduate students stumbled into a cosmic time capsule—one of the oldest stars ever discovered—while combing through massive astronomy datasets. What began as a class project quickly turned into a breakthrough when they spotted an extraordinarily “pristine” star made almost entirely of hydrogen and helium, hinting it formed near the dawn of the universe.
APSU alumna creates Tom Cunningham Family Endowment for business students
Austin Peay State University alumna Tammy Cunningham made a generous donation to establish the Tom Cunningham Family Endowment for APSU business students.
Reds prepare for summer of change
Six points clear of sixth-placed Bournemouth with three games left, Liverpool should secure Champions League football and deserve some credit for that. The injuries have been relentless and that was encapsulated with record signing Alexander Isak absent at Old Trafford and third-choice Freddie Woodman and fourth-choice Armin Pecsi as their two goalkeeping options. Mohamed Salah, also ruled out with injury, watched on from the directors' box and how Liverpool could have done with the Egyptian, who has scored more times against Manchester United in the Premier League than anyone else.
The Science, Risks, and Community Impact of Kratom
Walk into almost any smoke shop across the United States, and you are likely to see it on the shelves: Kratom. Sold as powder, capsules, gummies, or concentrated liquid energy
How RFK Jr. picked the wrong side of vaccine science
By seeing himself as a crusader, RFK Jr. neglects to acknowledge how science works, and why we should vaccinate kids.
Alaska Science Forum time capsule: Hardwood, softwood, fuelwood
Note: After finally cleaning my stovepipe last weekend, it feels like woodstove season at my cabin can officially (and safely) begin. Carla Helfferich wrote this wood power-focused Alaska Science Forum column on Oct. 3, 1990. — Sara Wilbur
Explore Backyard Ecosystems at APSU’s Science on Tap October 6th - Clarksville Online - Clarksville News, Sports, Events and Information
Clarksville, TN - The Austin Peay State University (APSU) College of Science, Technology, Engineering and Mathematics will host Science on Tap on Tuesday,
Red River Rivalry: OU quarterback John Mateer will 'never forget' his redemption over Texas
DALLAS — John Mateer stood atop the Schooner wagon with a smile stretched across his face. Beaming, he received the “golden hat” and encapsulated the feeling of taking down No.
This popular brain supplement was linked to shorter lifespans in men
A large-scale study suggests that men with higher levels of the amino acid tyrosine may have shorter lifespans, potentially losing close to a year of life expectancy. The finding is especially intriguing because tyrosine is commonly associated with brain health and is often used in supplements aimed at boosting focus and performance.
Series Brings Vibe Gaming to Life with ‘RUN,’ An AI-Based Platform
Series Entertainment’s “RUN,” a new platform that lets users create new games while shortening the window for building them down to days.
Alaska Science Forum time capsule: The secret life of a red fox family
A trail camera exposed a year that included new additions to the skulk.
Time capsule buried in 2010 opened in Laredo
A time capsule buried by the Latin American International Sports Hall of Fame was opened in Laredo, highlighting community history, personal stories and the city’s growth.
APSU’s Science on Tap to open fall season with trip to Moon
Austin Peay State University’s College of Science, Technology, Engineering and Mathematics will host its first Science on Tap of the fall semester.
Do not open until July 4, 2276: U.S. buries a ‘zombie-proof’ time capsule
The durable stainless steel container will be buried in Philadelphia for the country's 250th birthday.
Astronomers uncover new secrets of the Universe’s first five minutes
Scientists have achieved a major breakthrough in understanding the Universe’s earliest moments, measuring the amount of helium formed in the first five minutes after the Big Bang with unprecedented precision. Using one of the world’s most powerful telescopes, an international team studied 15 remarkably pristine galaxies that act as cosmic time capsules, preserving clues from nearly 13.8 billion years ago.
How I underestimated how unpredictable mental health can be
The Lindsay Clancy trial is shocking, but the complexity of mental health and our inability to control everything should be humbling to us all.
APSU alum Hannah Richards becomes Vanderbilt’s first Schmidt Science Fellow
When Hannah Richards first declared chemistry as her major at Austin Peay State University, she was "100% confident" she would change it.
Alaska Science Forum time capsule: The secret life of a red fox family
Note: At the start of every walk, my dogs try to sneak away to “fox town,” a fox den on the other side of the pond near my cabin, and we often see the adult foxes trotting through the neighborhood. Hearing one of them bark the other evening, I was reminded of this March 26, 2020, story by Ned Rozell. He recently reported that foxes still use the den, but did not occupy it in summer 2026. — Sara Wilbur
Metal Gear Solid: Master Collection Vol. 2 Is An Exciting Return To Metal Gear's Past
The new compilation of Metal Gear Solid games is a great time capsule of classic Solid Snake adventures.
Time capsule: As woodstove season approaches, elucidating the differences in hardwood and softwood
From density to molecular structure, potential firewood offers much to consider.
Puzzle game Namco Legendary Mountains announced for Nintendo Switch 2, and Switch
BeXide has announced Namco Legendary Mountains for the Nintendo Switch, and the Nintendo Switch 2. The title is planned for launch this summer, with an exact release date not yet provided. Namco Legendary Mountains is similar to titles like 2048 and Suika Game in which you combine icons to create bigger ones. The twist however, is that it takes place...