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WA parents and businesses lose billions due to lack of childcare
Washington parents and businesses lose out on more than $6 billion annually in wages and revenue due to insufficient childcare, a recent study found.
Walmart and Sam’s Club combine plus memberships into one fee
Walmart and Sam’s Club are combining memberships into one fee of $120 annually or $10 per month beginning Oct. 20. This is the first time the two business segments have...
Toppenish School District receives $7.5 million federal grant to expand mental health services for students
The BriefThe Toppenish School District has been awarded up to $7.5 million through Project AWARE (Advancing Wellness and Resiliency in Education), a federal grant administered by the Substance Abuse and Mental Health Services Administration (SAMHSA).The grant will provide up to $1.5 million annually over five years to expand mental health services, strengthen substance use prevention and intervention, and improve access to support for students.District officials say the funding will help address identified gaps in services, particularly drug and alcohol counseling at the high school level, and will allow the district to build capacity for long-term mental health support.TOPPENISH, WASHINGTON — The Toppenish School District has been awarded up to $7.5 million through Project AWARE (Advancing Wellness and Resiliency in Education), a federal grant administered by the Substance Abuse and Mental Health Services Administration (SAMHSA), to expand mental health services and substance use prevention for students.District officials said access to mental health resources has been limited, making it difficult for some students and families to get the support they need. The federal Project AWARE grant will help address those challenges by bringing schools and local healthcare providers together to better support students.The grant will provide up to $1.5 million annually over five years to expand mental health services, strengthen substance use prevention and intervention, and improve access to support for Toppenish students. Deputy Superintendent Dr. Jeff Camero said the district is focused on coordinating with service providers in the area to work as a unified team."We made the awareness with the grant. But looking at all the service providers in the area and how can we all together work as a team?" Camero said.Camero said the district wants to use those resources to reach students earlier and provide more support for those struggling with their mental health. The district plans to address a range of mental health challenges, from anxiety and depression to youth suicide risk. Camero emphasized the importance of supporting students in grades eight through twelve, where suicide rates are a particular concern."Making sure from anxiety to depression, making sure that we can help support our students at those levels, but also the youth suicide risk, looking at that as a top in this area, in our grades, you know, eight, for example, eight through 12, looking at suicide rate and looking at how whether we look at the ACES or whatever program we're looking at, that's federal, how that connects and how we can better serve our students with this extra funding," Camero said.The funding will allow the district to bring in additional staff, including mental health and substance use specialists, to work directly with students and connect families with community resources. The district is already posting positions, including a director role, with additional positions expected to follow.District officials are also thinking beyond the grant's five-year timeline. Brittany Kaple, Director of Public Relations for the Toppenish School District, said the intent is to build capacity and establish connections that will sustain mental health services even after the grant funding ends."We do have the director position already posted, with some of our other positions following really close behind that. But the intent is to, you know, it's a five-year grant, so those positions would be funded for that five years. But there's also the intent to build capacity and make those connections so that at the end of the grant, when that money, you know, if that money is not renewed," Kaple said.As student mental health needs continue to evolve, access to drug and alcohol counseling has become an important priority for the district. Kaple said teachers and staff have been raising concerns about the need for more support, especially at the high school level."And that was something that was also an identified need by our high school staff when the superintendent met with them last school year. They said that that was a really great need, something that they felt was a gap in services that we were providing for our students. And so this is going to be one way to help support that need," Kaple said.The Toppenish School District says its goal is to ensure students and families have access to the support they need, both now and in the years ahead. Additional positions, including drug and alcohol counselors and family engagement specialists, are expected to be posted in the coming weeks. News Sunnyside City Council navigates 2027 budget planning Monique Garcia News "Dancing with the Stars" champion J.R. Martinez shares message of resilience during Central Washington visit Tyler Wargo News Toppenish, Mattawa educators honored at state Educator of the Year Awards Erin Wencl News Kennewick educator named 2027 Washington Teacher of the Year Erin Wencl News Voters to decide the next Yakima County Sheriff Monique Garcia COPYRIGHT 2026 BY APPLE VALLEY NEWS NOW. ALL RIGHTS RESERVED. THIS MATERIAL MAY NOT BE PUBLISHED, BROADCAST, REWRITTEN OR REDISTRIBUTED.
I started renting out my car at 25. It became a huge business.
Saimah Chaudhry started renting out her Smart car at 25. She eventually built a fleet of over 50 vehicles generating hundreds of thousands annually.
Officials warn federal cuts pose critical threat to Juneau healthcare
Bartlett Regional Hospital could lose up to $4 million annually in Medicaid revenue as a result of changes
WHO urges faster action to end lead exposure which kills 3.5 million annually
Countries must accelerate efforts to prevent lead exposure, which is estimated to cause more than 3.5 million deaths globally each year and affects hundreds of millions of children, the World Health Organization (WHO) said on Thursday.
Las Vegas lands major convention for 2031
The three-year deal beginning in 2031 is expected to generate 62,000 room nights annually, with four Strip resorts and Allegiant Stadium serving as event hosts.
Millard South’s Gustafson earns McAuliffe Prize
Christine Gustafson, a chemistry teacher at Millard South High School, was selected as the recipient of the 2026 Christa McAuliffe Prize for Courage and Excellence in Education. The College of Education and Human Sciences presents the award annually to a Nebraska teacher who exemplifies the character of McAuliffe.
Measure O aims to simplify Concord's business tax structure
Concord voters will be asked in November whether to approve an update to the city’s decades-old business tax structure that backers say places a bigger Concord voters will decide on Measure O, a proposed business tax overhaul that supporters say would raise $2.9 million annually for roads, public safety and parks.
New Hampshire’s best business lawyers
Published annually, “The Best Lawyers in America®” is an exhaustive search for the country’s top attorneys. Here is a compilation of the top attorneys who practice in New Hampshire in dozens of legal specialties related to the needs of businesses, from administrative law to workers’ compensation. The complete list of New Hampshire lawyers in all specialties can be found in...
Trump gives top US science awards to Elon Musk and other tech executives
The National Medal of Science is annually given to scientists and engineers for major contributions in their fields.
The Public Health Cost of FDA’s Tobacco Review Delays
When avoidable delays in reviewing cigarette alternatives prolong smoking, they cost lives. Quitting reduces the risk of premature death, while continuing to smoke sustains exposure to the hazards responsible for smoking-related disease. Because cigarette smoking and secondhand smoke cause more than 480,000 deaths annually in the United States, the years-long delay documented in a September...
Stars of “Carrie”, “Primetime”, “Off Campus”, and more to be “Entertainment Weekly”’s Breaking Big honorees at 2026 SCAD Film Festival
EW partners with the Savannah College of Art and Design annually to celebrate the best in Hollywood.
Business interruption claims soar: Allianz report
Business interruption claims severity is rising sharply, with average claim values rising by more than 30% annually over the past two years, according to a report issued Thursday by Allianz Commercial.
Carteret County schools receives grant to expand mental health support
District to receive about $467,000 annually as part of five-year Project AWARE grant.
How do professional astronomers book time on JWST or Hubble?
Proposals are submitted annually by scientists who wish to use these facilities, and are reviewed by the Telescope Allocation Committee.
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.
Doctors, insurers sue Newsom over health insurance premium increases
California lawmakers passed a healthcare tax in June that could increase premiums by $100 annually, but groups representing doctors and insurers say it violates the law.
Dr. Jeff Bird: Indiana University Health Serves the Healthcare Needs of Indiana
By Dr. Jeff Bird— MUNCIE, IN—Indiana University Health is the largest non-profit healthcare organization in Indiana. Annually it touches over 1 in 3 Hoosiers whole operating out of its 16 hospitals. IU Health is also one of the State’s largest employers with over 38,000 employees and more than
Newly proposed federal rules would have “disastrous” impact on Medicaid, insurance funding, state says
Proposed federal rules could cut hundreds of millions of dollars annually for Medicaid and also impact health insurance programs, state says.
How Investors May Respond To AMC Entertainment Stock Stronger Theater Attendance
AMC Entertainment Holdings recently approved changes to its certificate of incorporation to declassify the board, shorten director terms to the next annual meeting, and remove limits on board size, while also arranging large new secured debt facilities and a US$71.75 million shelf registration tied to 25,000,000 Class A shares for an ESOP offering. The combination of a simpler, annually elected board, sizeable refinancing of secured borrowings, and equity made available for employee...
Buses mean business
Heavy-duty transit buses are a critical component of America's public transportation system, carrying approximately 3.8 billion passenger trips annually and representing nearly half of all public transit trips in the United States.
Passing the torch: Who will own the business next?
Across our region, businesses are changing hands. While 350,000 U.S. baby boomers attempt to sell their businesses annually, the Inland Northwest alone holds a pool of 49,000 baby boomer-owned businesses facing transition. However, local and national success rates hover between 20% and 30%. When…
American Geophysical Union’s 2026 Eugene Shoemaker Lecture
Award: The American Geophysical Union’s Eugene Shoemaker Lecture is presented annually and recognizes excellence in planetary exploration.
Light pollution’s ‘transformation of night’ requires prompt action
Science historian Sara B. Pritchard describes a massive spike in the amount of artificial light in the 21st century, with light pollution increasing by nearly 10% annually between 2011 and 2022.
Portland sports teams bring in $110M annually
Mayor Mark Dion said the study could make an argument for investing in the Portland Expo, which hosts the Maine Celtics and needs repairs or replacement.
Portland sports teams bring in $110M annually
Mayor Mark Dion said the study could make an argument for investing in the Portland Expo, which hosts the Maine Celtics and needs repairs or replacement.
Portland sports teams bring in $110M annually
Mayor Mark Dion said the study could make an argument for investing in the Portland Expo, which hosts the Maine Celtics and needs repairs or replacement.
HCA Healthcare (HCA) Acquires a Healthcare College. Can Training Capacity Improve Staffing?
HCA Healthcare, Inc. (NYSE:HCA) announced on September 15 that it had completed its acquisition of The College of Health Care Professions. The institution serves more than 8,000 students annually through 10 Texas campuses and online programs, offering more than 20 accredited healthcare programs. For HCA Healthcare, Inc. (NYSE:HCA), the opportunity is to connect education more […]
Southern Vermont healthcare provider to pay more than $390,000 over allegations it mishandled Medicaid funds
Health Care & Rehabilitation Services of Southeastern Vermont, which serves thousands of clients annually, will also adopt new policies as part of the settlement.
Edmond gets $3M grant for behavioral health crisis response
Edmond received a federal grant providing $750,000 annually for four years to expand behavioral health crisis response.
National Suicide Prevention Month highlights Tri-State mental health resources
Federal health numbers show that roughly 49,000 people across the country die by suicide annually.
JapanFest Atlanta celebrates ‘Timeless Japan’ with two days of culture, cuisine and entertainment
Illuminating the rich culture of the Land of the Rising Sun, the award-winning JapanFest Atlanta attracts more than 20,000 attendees annually and is one of the largest Japanese cultural festivals
Lawndale Christian Health Center’s New Facility Specializes In Family And Senior Care
The Ogden Avenue center will serve 11,000 patients annually and will house Lawndale Christian's family medicine and doctor residency programs.
Islanders Name Horvat Team Captain
The New York Islanders have named forward Bo Horvat their next captain. He’s the 16th captain in team history and the first since Anders Lee. New York lost Lee to free agency this summer. He opted to continue his career elsewhere with the Utah Mammoth. Lee signed a 3-year deal worth $5.3 million annually. Only […] The post Islanders Name Horvat Team Captain appeared first on HEAVY.
CT launches $5M tax credit to help small businesses offer health insurance
Connecticut's ICHRA tax credit offers small businesses up to $1,000 per employee annually to help offset rising health insurance costs.
CT launches $5M tax credit to help small businesses offer health insurance
Connecticut's ICHRA tax credit offers small businesses up to $1,000 per employee annually to help offset rising health insurance costs.
Two Students Named 2026 Astronaut Scholarship Recipients
Victoria Little and Avery C. Love have been selected as 2026 Astronaut Scholars, an elite scholarship awarded annually to the nation’s most academically accomplished students pursuing STEM degrees.
Traverse Group Launches ToyVerse, Dynamic New Venture in the Global Toy Business
Traverse Group, a privately owned retail group generating over $1 billion annually in GMV, has officially announced its expansion into the global toy market with the launch of its new venture, ToyVerse.
Cosmos Health Secures Additional 2.5 Million Units Under New Five-Year Contract Manufacturing Agreement with Viofar; Total Orderbook Surpasses 27.5 Million Units
* 500,000 contracted units of ROSARTIA annually / 2.5 million over five years through a new long-term agreement at wholly owned subsidiary Cana Laboratories * Expands Cosmos Health's manufacturing presence in cardiovascular pharmaceuticals, adding production of statin-based lipid-lowering therapies to Cana's growing contract manufacturing portfolio * Cumulative contract manufacturing orderbook increases to more than 27.
The Silent Crisis: Suicide Among Native Americans Reflects Global Mental Health Emergency
Overview: World Suicide Prevention Day, observed annually on September 10, highlights the global toll of suicide while drawing attention to the disproportionately high rates experienced by American Indian and Alaska Native people. AI/AN communities face the highest suicide rates of any racial or ethnic group in the United States, with particularly alarming rates among males, […]
Independent Kansas health systems launch shared services organization
Five Kansas health systems have launched a regional collaboration, called Astra Health, to pool resources and coordinate services while retaining their independence. | Astra Health's five founding members, who serve more than half a million patients annually, hope to improve quality and trim costs at scale while maintaining their independence.
Report: Wild willing to pay Quinn Hughes $20.5M annually
Will they only pay him the record-setting amount if he signs for eight years? Or are they willing to make him the highest-paid player on a shorter-term contract?
Trump's plan to pay stay-at-home parents is a political play: Paula Scanlan
The Trump administration is drafting a plan to pay married stay-at-home parents up to $9,000 per child annually. Paula Scanlan reacts to the proposal as child care costs continue to rise across the United States.
Pesticides cause 400 million farmer poisoning cases a year
Nearly half the world's farmers get poisoned with pesticides annually, while global pesticide use continues to rise, a study finds.
Computer Science Tops College Majors by ROI, Study Finds
An Investopedia analysis reveals computer science majors earn nearly $35,000 more annually than typical graduates, achieving the highest ROI at 3,143%. Theology and religion majors have the lowest ROI but lower unemployment. Despite rising graduate unemployment and AI impacts, all majors show positive ROI.
Gov. Greg Abbott doubles down on rare fight for Medicaid
Abbott’s spokesman reiterated that Texas is not doing anything wrong that would disqualify hospitals from receiving nearly $10 billion in Medicaid funding annually.
Columbus Blue Jackets, NHL reveal next step in TV, streaming plans
Columbus Blue Jackets games will air on a new network with streaming on Prime Video for $19.99 monthly or $99.99 annually.
ATLAS publishes first paper on Public Engagement with Science
You can’t exactly take the ATLAS experiment on tour. At 7,000 tonnes and buried 100 metres underground at CERN, it’s not easy to move. So, for more than a decade, the ATLAS Collaboration has found another way to bring the experiment to people around the world: live, interactive virtual visits with the scientists who work on it. In a recent paper published in the European Physical Journal Plus, the ATLAS Collaboration documents the evolution and impact of its flagship Virtual Visits programme. The paper is the Collaboration’s first publication focused specifically on science education, communication and outreach. It traces the programme from its beginnings as an experimental outreach effort in 2010 through its growth into a global programme – connecting classrooms in the Amazon, schools in the Himalayas and even a research station in Antarctica. Drawing on data collected between 2019 and 2025, the paper examines the programme’s reach and impact. Global reach, local connection Figure 1: World map showing the number of virtual visits across participating countries from 2019 to 2025. Cooler colours (purple and blue) are used for countries with fewer visits, and warmer colours (red and orange) for countries with more visits. (Image: ATLAS Collaboration/CERN) The core mission of the ATLAS Virtual Visit programme is to connect audiences worldwide with particle physicists and engage them in accessible discussions about cutting-edge research. While visiting CERN in person is an unforgettable experience, financial and logistical barriers can make such a trip difficult for many students and public groups. Video conferencing has allowed the Collaboration to break down these barriers: between 2019 and 2025, the Collaboration hosted 698 virtual visits, engaging tens of thousands of participants across nearly 70 countries (see Figure 1). Interactivity is central to the programme. Far from simple one-way broadcasts, Virtual Visit audience members are encouraged to engage in conversation with the scientist(s) hosting the visit. Most hosts are volunteers from the ATLAS Collaboration, who bring their diverse scientific expertise, language skills and cultural backgrounds to each visit. Where possible, audiences are paired with volunteer scientists who share their native language and cultural background, making it easier to engage, ask questions and connect with the hosts. Between 2019 and 2025, Virtual Visits were held in 19 different languages. The core mission of the ATLAS Virtual Visit programme is to connect audiences worldwide with particle physicists and engage them in accessible discussions about cutting-edge research. Constant evolution Figure 2: The number of ATLAS Virtual Visits organised annually since 2019. (Image: ATLAS Collaboration/CERN) The ATLAS Virtual Visit programme has continuously evolved to enhance the visitor experience. Early sessions were hosted directly from the ATLAS Control Room before transitioning in 2014 to a dedicated space in the ATLAS Visitor Centre, equipped with modern videoconferencing technology. In 2019, the ATLAS Collaboration expanded the programme’s reach, introducing live Virtual Visits from the experimental cavern during year-end maintenance stops and long LHC shutdowns. These exclusive sessions take participants beyond the ATLAS visitor platform, offering real-time, up-close views of the towering detector. When the COVID-19 pandemic disrupted in-person gatherings worldwide, demand for virtual engagement surged. The ATLAS Collaboration adapted rapidly by introducing Open Virtual Visits streamed via Zoom and YouTube, allowing individual science enthusiasts and families to join live guided tours. Figure 2 shows that the programme reached a peak of 155 visits in 2021 and has since maintained around 100 visits per year, demonstrating sustained engagement beyond the pandemic-driven increase. More than just a tour Beyond participation numbers, the paper highlights the positive impact on participants and educators. Teachers report successfully integrating Virtual Visits into their physics curricula, sparking sustained curiosity and in many cases inspiring students to pursue STEM studies and careers. Feedback received also highlighted how the direct dialogue with ATLAS scientists has given students an authentic and personal perspective on particle physics, helping them connect what they learn in the classroom with the people behind ATLAS research. Looking ahead, the programme will continue to evolve with new technologies and communication platforms. The goal is simple: to give even more audiences the opportunity to engage directly with particle physics and make fundamental science open to all. Learn more Breaking barriers: the impact of ATLAS Virtual Visits in science communication (Eur. Phys. J. Plus 141, 874 (2026), arXiv:2601.22457, see figures) ATLAS Virtual Visit Dashboard Register for an ATLAS Virtual Visit
The Literacy Crisis Reaches Dog-Bear Science
“New analysis of more than 300 bear encounters suggests our canine companions often increase odds of conflict and rarely serve as early warning systems many recreationists assume,” reads a subhead in Mountain Journal. The thing is, that study reaches no such conclusion. But you have to read beyond the abstract to understand that. Mountain Journal is not alone. Let’s look at a brief list of takeaways published elsewhere just to establish that none of them seem to know how to read science. Wes Siler’s Newsletter is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe Here’s CBC: “A new peer-reviewed study, The Canine Conundrum: Is a Dog a Help or Hindrance in Bear Country?, dug into conflicts similar to what the video depicts, by analyzing 326 reported human-bear conflicts from 1901 to 2023 involving dogs.” “The study found 54 per cent of conflicts were started by dogs. In the encounters researchers included in the study, five people and 56 dogs were killed, and 170 people were injured.” “Lana Ciarniello, an independent researcher who co-authored the study, said researchers found when a person goes hiking with at least one other person, the odds of a negative bear encounter decrease by 50 per cent.” “However, when a dog is involved, the chances of a negative bear encounter increase because ‘a dog really adds a chaotic factor into the mix of recreation,’ said Ciarniello.” Again, the study finds no data supporting that conclusion. “Hiking with your pet dog may make you feel safer in bear country—but a hiker’s recent encounter and a new study prove that the numbers don’t add up,” writes Backpacker, which is now part of Outside. The numbers don’t add up to support this take. There’s plenty more examples, but all are equally dumb, so I’ll stop there. How did so many people get this so wrong? Three reasons: 1) the study is published behind a paywall, with only the abstract freely available. 2) the methodology sets out to create work relevant to a hyper-specific audience, not the public. And 3) the dataset studied is almost absurdly limited and doesn’t bear (get it?!) comparison to wider information. Let’s work through all three. The Problem is Money I understand the irony, since I’m writing about this on a subscription-model newsletter, but information wants to be free. The study is published by The Wildlife Society and costs $16 to access. Reprinting it is specifically prohibited by the terms of use, so I can only share snippets and my conclusions with you here. Having worked as a journalist for 24 years, I can report with some authority that journalists are both lazy and cheap. I don’t think it’s a stretch to say that much of the material you’re seeing written about this study is drawn from the freely-available abstract (above) only, and not a deep dive into its methodology or data. And that’s a problem, because abstracts are where researchers are able to break from their numbers and editorialize their opinions about conclusions. So what’s getting reported isn’t based on numbers, it’s based on an opinion designed for a specific audience, not the general public. Hell yeah ladies, kick that bear’s ass. The Methodology is Designed to Support a Predetermined Conclusion One of the biggest issues with the science that everyone likes to cite about bear spray’s efficacy is that no one understands that study was designed for a specific audience, looking for a specific answer. And since that audience is not the public, and our safety was not the question being asked, its conclusion is rendered irrelevant to our needs. Yes, I’m talking about Efficacy of Bear Deterrent Spray in Alaska, which was created by Tom Smith and Stephen Herrero, two of the same scientists who put together this dog-bear conflict analysis. In the spray study, the purpose was to present relevant agencies with the information they needed to issue their field workers with bear spray. As such, incidents where people were unable to access the spray or similarly failed to get it deployed in time were excluded from the results, and only incidents they deemed successful were included. Could a ranger roll down their vehicle’s window and scare a bear away from a dumpster by spraying it? Turns out the answer was yes, and that was good enough for the purposes of that study. The sample size of actual bear attacks—the thing you and I would want bear spray to provide a solution to, was too small to draw conclusions from, and didn’t indicate success in that role. Is a Dog a Help or Hindrance in Bear Country? has similar limitations. “Insights provided here are intended to help wildlife managers create effective guidelines regarding the presence of domestic dogs in bear habitat,” is explained clearly by the study’s text. To conduct the study, Smith and Herrero went looking for publicly available reports of dog-bear conflicts: “All incidents included in our analysis involved at least one bear, one dog, and one person who was at immediate risk of injury (e.g., not in a protective structure such as a cabin or vehicle), injured, or killed,” explains the report’s methodology. Why is that a problem? “We recognize that data used in this study are biased in that people generally only report adverse interactions with bears, not benign ones. Consequently, we assume that for the most part, people and their dogs pass through bear country without incident.” As was the problem with the bear spray study, people are drawing conclusions here from a study that was never intended to be relevant to the general public. The Smith-Herrero database famously excludes Alaska’s Defense of Life and Property records, which are elsewhere considered the largest and most authoritative source on human-bear conflict. The Dataset is Absurdly Limited A 2009 study conducted by the Washington Department of Fish & Wildlife estimates that each year there are at least 43,000 documented complaints of human-bear conflict across North America. Is a Dog a Help or Hindrance in Bear Country? Examined those reports for years ranging from 1901 to 2023, and only managed to find 326 such incidents that met the criteria explained above. Let’s do some quick math, poorly. 43,000 incidents x 122 years = 5,246,000 total incidents of documented human-bear conflict. Smith and Herrero were only able to find 326 incidents that met their criteria for dog+human+bear+risk or occurrence of injury. That means there’s a 0.006 percent chance that the study’s conclusion—that dogs make bear encounters more dangerous—even gets a chance of occurring. And remember, that’s only in documented conflicts. There’s no way to know how many people across North America run into a bear in any given year without any conflict, but it’s probably safe to assume that the total number is well in excess of 43,000. And, dig deeper into the study and you can find further restrictions that skew its conclusions even more. “While the people involved in these incidents did not report the level of training their dogs had received, it is our assumption that most were untrained companion dogs as opposed to well-trained bear dogs, such as Karelians and livestock guardian breeds that have proven to be significant aids in bear country,” the study’s methodology explains. And that’s a problem, because an ongoing study here in Montana is finding that the simple presence of a Kangal like our youngest dog Teddy can reduce visits to private property from grizzly bears by 87.8 percent. In addition to being a badass, Teddy is also a companion animal. And in my admittedly limited sample size of the three dogs currently present in our living room, she’s no more effective than her mutt brothers. Plenty of people own a dog capable of deterring bears, even if they didn’t set out to own a bear dog. The real purpose of this study appears to be a recommendation that leashes are mandated and recreationists pursue training in their deterrent of choice. But that doesn’t make for sensational headlines. Are There Any Real Takeaways Here? Let’s throw some numbers around, just to try and get our hands around what the larger picture might look like for bears and dogs here. The American Veterinary Medical Association estimates that 42.6 percent of American households own a dog. The Canadian Animal Health Institute says roughly 35 percent of households in Canuckistan own a dog. In an attempt to create the worst possible result for dogs, let’s run with that 35 percent number. And given that outdoorsy and rural people are more likely to both own a dog, and have bear encounters, let’s just make a giant assumption and apply that number to those 43,000 conflicts documented annually. If 35 percent of 43,000 human-bear encounters involve a dog, then we can assume that at least 15,050 dog-bear conflicts are occurring annually in North America. 15,050 x 122 = 1,836,100. Smith and Herrero were only able to find 326 incidents that met their human, dog, chance or occurrence of injury criteria across 122 years. And only 170 documented human injuries. So, with all the obvious caveats about these numbers in no way describing reality beyond narrow study parameters, what they actually found is that your risk of injury if your dog tangles with a bear is only 0.009 percent. I’ll take those odds next time I’m hiking my dogs in bear country. Top photo: “Superintendent Horace Albright, eating pancakes with bears, at Lake Lodge, Yellowstone National Park.” NPS. A journalist with more than two decades of experience working around the world, Wes Siler is here to cut through the outrage and disinformation to bring you the factual, insightful, actionable reporting you need to understand what’s going on. Upgrading to a paid subscription supports this reporting, and buys personal access to Wes, who will help you save money on gear, plan outdoor adventures, and prepare for real life, and who promises he’s less salty in real life than he sometimes comes across as on the Internet. Wes Siler’s Newsletter is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe
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Business Restructuring Review Vol. 25 No. 3 May-June 2026
In This Issue Texas Bankruptcy Court Adopts Barnet Rule Requiring Foreign Debtor to Have U.S. Assets to Be Eligible for Chapter 15 Relief In In re Siu-Fung Ceramics Holdings Limited, No. 24-33299, 2026 WL 382424 (Bankr. S.D. Tex. Feb. 10, 2026), the court denied petitions for chapter 15 recognition of Hong Kong bankruptcy and liquidation proceedings commenced on behalf of an individual debtor and a group of companies that he owned or controlled. According to the court: (i) the corporate debtors' Hong Kong liquidation proceeding was not eligible for chapter 15 recognition because the attorney retainer upon which such relief was based was not funded until nine months after the chapter 15 petition date; and (ii) the individual debtor's Hong Kong bankruptcy case could not be recognized because the debtor's "center of main interests" on the chapter 15 petition date was not in Hong Kong, and he did not even maintain an "establishment" there. [read more …] Southern District of Texas Clarifies Post-Purdue Course for Consensual Third-Party Releases and Gatekeeping Provisions In In re Container Store Group, Inc., 676 B.R. 356 (S.D. Tex. 2026), appeal filed, No. 26-20166 (5th Cir. Apr. 14, 2026), cross appeal filed, No. 26-20166 (5th Cir. Apr. 24, 2026), the U.S. District Court for the Southern District of Texas addressed consensual third-party releases and gatekeeping provisions in the aftermath of the U.S. Supreme Court's ruling in Harrington v. Purdue Pharma L.P., 603 U.S. 204 (2024). Consistent with existing Fifth Circuit precedent, the court confirmed that, in appropriate circumstances, consent for third-party releases may be obtained through a creditor's failure to opt out of granting that consent. But, the court ruled, consent through an opt-out mechanism essentially can never be inferred for creditor classes that stand to receive no recovery under a chapter 11 plan and that are deemed to reject the plan by operation of applicable bankruptcy law. Instead, those classes must affirmatively opt in to any release. The court also narrowed and remanded the bankruptcy court's acceptance of a broad gatekeeping provision, ruling that such provisions must correspond to the restrictions established by Fifth Circuit precedent. [read more …] Delaware Bankruptcy Court: Initial Transferee Need Not Be Defendant in Fraudulent Transfer Avoidance and Recovery Litigation The Bankruptcy Code gives a bankruptcy trustee the power to avoid asset transfers that are either made with the intent to defraud creditors or that are "constructively" fraudulent because an insolvent debtor did not receive adequate value in exchange. The Bankruptcy Code also permits recovery of an avoided transfer from not only the initial recipient, but also from subsequent transferees. Courts disagree over whether a transfer must actually be avoided before the trustee can seek recovery from a subsequent transferee and whether the initial transferee must also be a defendant in the recovery litigation against a subsequent transferee. The U.S. Bankruptcy Court for the District of Delaware weighed in on this debate in Phillips v. SS Associates LLC (In re ONH AFC CS Investors, LLC), No. 23-10931 (CTG), 2026 WL 312892 (Bankr. D. Del. Feb. 4, 2026). The court adopted the majority view, ruling that the initial transferee need not be a defendant in avoidance and recovery litigation against a subsequent transferee, but that the trustee must establish the elements necessary to avoid the initial transfer as part of the recovery litigation. [read more …] New York Bankruptcy Court Weighs In on Adequate Assurance of Future Performance under Assigned Leases and Chapter 11 Plan Exculpation Provisions In order to assume and assign an executory contract or unexpired lease, a bankruptcy trustee must cure most defaults under the agreement and provide "adequate assurance" of the assignee's future performance. However, the Bankruptcy Code provides no guidance as to the meaning of "adequate assurance" other than with respect to shopping center leases. In In re Broadway Realty I Co. LLC, No. 25-11050, 2026 WL 147505 (Bankr. S.D.N.Y. Jan. 19, 2026), the U.S. Bankruptcy Court for the Southern District of New York examined this issue in connection with a proposed assignment of thousands of residential leases as part of a free-and-clear sale of debtors' properties. The court held that "adequate assurance" does not mean a guarantee of the assignee's future performance, but merely demonstration that the assignee has the ability to satisfy the underlying obligations. The bankruptcy court also ruled that an exculpation provision in the debtors' chapter 11 plan exonerating non-estate fiduciaries from liability for actions taken in connection with the chapter 11 case was unobjectionable, provided it was limited in scope to postpetition conduct and actions taken in connection with implementation of the plan after its effective date. [read more …] Newsworthy Corinne Ball (New York) (Hall of Fame), Bruce Bennett (Los Angeles), Carl E. Black (Cleveland), Jeffrey B. Ellman (Atlanta), Brad B. Erens (Chicago), Gregory M. Gordon (Dallas), Heather Lennox (Cleveland/New York), Joshua M. Mester (Los Angeles), and Kevyn D. Orr (Washington) were included in the 2026 edition of Lawdragon 500 Leading Bankruptcy and Restructuring Lawyers. The Daily Business Review selected Isel M. Perez (Miami) as an "On the Rise" winner for the Florida Legal Awards. The Florida Legal Awards annually recognize those who have made significant contributions to the legal industry in Florida. Dan T. Moss (Washington/New York) was inducted as a Fellow in the 37th Class of the American College of Bankruptcy at its Annual Meeting in March 2026 in San Antonio, Texas. Christine Borries (Munich) was ranked in the practice area Restructuring/Insolvency in the 2026 edition of Chambers Germany. The 2027 edition of The Best Lawyers in Singapore™ recognized Sushma Jobanputra (Singapore) in the practice area Insolvency & Reorganization. The restructuring transaction involving Eissmann Automotive North America, Inc. received the "2025 Turnaround of the Year (Large Company)" at the Turnaround Management Association (Detroit) Annual Awards Reception. T. Daniel Reynolds (Cleveland) and Nick Buchta (Cleveland) represented subsidiaries of Eissmann Group Automotive in connection with the parent company's German insolvency proceedings. Roger Dobson (Sydney) is among 40 Jones Day lawyers recognized by The Best Lawyers in Australia 2027 for his contributions in Banking and Finance Law; Distressed Investing & Debt Trading; Insolvency and Reorganization Law; Litigation. An article written by Corinne Ball (New York) titled "Ard Finance—A Global Enterprise Combining an LME With a Foreign Insolvency Proceeding and Chapter 15" was published in the April 21, 2026, edition of the New York Law Journal. An article written by Alex Sapp (New York) titled "Recent Developments in Section 510—Subordination" was published in the 2025 edition of the Norton Annual Survey on Bankruptcy Law. An article written by Brad B. Erens (Chicago) titled "New York Bankruptcy Court Approves Insider DIP Litigation Financing" was published on April 6, 2026, by Lexis Practical Guidance. An article written by Corinne Ball (New York), Dan T. Moss (Washington/New York), David S. Torborg (Washington), and Isel M. Perez (Miami) titled "New York District Court Affirms Narrow Scope of 'Public Policy Exception' in Chapter 15 Cases" was published on April 6, 2026, by Lexis Practical Guidance. An article written by Jeffrey B. Ellman (Atlanta) titled "Statutory Cap on Lease Rejection Damage Claims in Bankruptcy Applies to Solvent Debtors" was published on April 6, 2026, by Lexis Practical Guidance. An article written by Trisha L. Mowbray (Real Estate; Chicago) and Ryan Sims (Washington) titled "Chapter 11 Plan that Abridged Non-Debtor Lessee's Rights to Remain in Possession After Rejection Unconfirmable as Having Been Proposed in Bad Faith" was published on April 6, 2026, by Lexis Practical Guidance. Lawyer Spotlight: Ben Rosenblum Ben Rosenblum, a partner in the New York Office, represents debtors, creditors, and other parties in out-of-court restructurings and court-supervised proceedings, including chapter 11 cases, municipal bankruptcies, international insolvency matters, and stockbroker liquidations. His experience spans industries such as manufacturing, shipping, mining, aviation, energy, real estate, and telecommunications. Ben's notable debtor representations include Peabody Energy, the City of Detroit, Chrysler LLC, Spansion Japan, and Dana Corporation. Significant creditor representations include General Maritime Corporation, Calpine Corporation, American Home Mortgage, and Murray Energy. He currently represents creditors in Puerto Rico's restructuring. He also has extensive experience advising financial institutions on bankruptcy law as applied to derivatives.